BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit Act, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit, I noticed 8 items which appear on my credit report that does not relate to any transaction ( s ) that I have made. I have reason to believe that these items are a result of identity theft. 

Below are the of accounts appearing on my credit report that does not belong to me. 

XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX Department XXXX XXXX Department XXXX XXXX Dep ED/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX I have not made use of my credit in years. The only account that should be reporting to my credit bureau is my car note. I did not open up these accounts and I would like them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts ' Late payments will be removed. 
XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX XXXX Balance : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX our credit card was stolen. We canceled the card with XXXX XXXX XXXX. Card was then reissued. Bill for card did not show up until I called the company and asked where our bill was. I thought with the missing card and the re-issue everything got delayed. They said they had sent the bill out already and I said we never received it. They had sent the bill to our former address that we had not lived at for about 4 years. They corrected the mistake and sent me a new bill to our current address. We paid the bill and never gave it a thought again until this year when we added a new car to our insurance plan. My agent said our rate was increased because of a reduction in our credit score. My insurance company said the problem originated with our credit card company. I contacted the credit card company several times and they were no help and said we can't do anything about it. I then went Trans Union and filed a complaint and they did nothing except send me a report showing my one missed bill with the credit card company that I already knew because they had messed up on the bill. So I have had to pay higher insurance rates as a result. I have never been late in paying my bills and the Trans Union report verifies that fact. I'm very upset at the the system and I have cut up my credit card with XXXX XXXX. I need our help to correct this injustice. Thanks you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please forward my letter to Equifax information Service LLC, XXXX. XXXX XXXX XXXX, GA XXXX. 
Today, XXXX @ XXXX, I received a notification related to an address change on my credit report. I investigated and found out the error was on my credit report with Equifax under contact information dated XXXX XXXX which is incorrect. The error occurred today because I monitor my credit report almost every day after XXXX and my credit report was correct. As of XXXX, Equifax online Dispute format, dated XXXX, address information is CORRECT. Someone went into Equifax system and incorrectly changed the address. 
Also, on XXXX, I put a Security Freeze on my account on top of a Fraud Alert on my account on/or after XXXX and the address was correct. I need to understand why someone incorrectly changed my current address ( I mailed proof of address / ssn - via -USPS Certified mail dated  XXXX ) and why someone made my ssn NOT pass verification requirement in Equifaxs system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Incorrect IBR amount. It took 30 days and 8 calls to have the amount changed. The company wanted me to forebear since my payment was overdue, which was no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The account in question in discussion is JPMCB Card Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX XXXX was sick with XXXX I tried calling to defer the payment and could not reach anybody at XXXX XXXX. When I was well enough to work I did make the payment immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing my credit, I noticed 8 items which appear on my credit report that does not relate to any transaction ( s ) that I have made. I have reason to believe that these items are a result of identity theft. 

Below are the of accounts appearing on my credit report that does not belong to me. 

XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX Department XXXX XXXX Department XXXX XXXX Dep ED/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX I have not made use of my credit in years. The only account that should be reporting to my credit bureau is my car note. I did not open up these accounts and I would like them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with Wells Fargo. I fell behind on my payments a while ago due to divorce and loss of income. I also had to file for Chapter XXXX bankruptcy. 
I tried to work out my options with Wells Fargo to possibly get a loan modification which I wasnt able to. I was then given two options, either to have the property qualified for short sale or let it go to foreclosure. I chose option one and started working with Wells Fargo to qualify for a short sale. 
I found a buyer whose contract was approved from Wells Fargo and we had a set sale date of XX/XX/2019. While getting a title report, we discovered that there were a total of 6 liens on the  property. 
I paid a lawyer to have the liens removed. My lawyer unfortunately was only able to get one of the liens removed. I started working with the party that had placed the other liens on the property directly. 
In the meanwhile, Wells Fargo listed the property for foreclosure and told me that I only have until XX/XX/2019 to have all liens removed or the property will get foreclosed. Unfortunately, I was not able to meet the deadline and it took me just two extra days to have all liens removed. 
At this point Wells Fargo tells me that I can not short sale the house and it will have to go to foreclosure since I did not meet the deadline set by them. The house has been scheduled to foreclose on XX/XX/2019. 
We are still about two weeks from the foreclosure date. I need help from somebody that can help convince Wells Fargo to allow me to move forward with the short sale. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing a complaint against Transunion regarding an inaccurate credit reporting on my Transunion Credit Report. They are reporting a bankruptcy which was reported to them by XXXX. This was totally wrong and I contacted XXXX right away to get this corrected. As of XX/XX/2021 XXXX deleted this inaccurate bankruptcy from my records. After this was deleted I immediatley contacted Transunion and informed them that this bankruptcy was deleted by XXXX and that I want it now removed from my Transunion report as this was corrected by the data furnisher. Transunion AGAIN verified this fraudulent bankruptcy as accurate. This is my final complaint regarding this same issue before I file a lawsuit against transunion for violations of the fair credit reporting act. I need this bankruptcy number XXXX to be deleted from my Transunion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please delete the following fraud alerts from my credit XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
We were legal cosigners with our adult daughter at US Bank. She had XXXX   XXXX XXXX and XXXX  XXXX XX/XX/XXXX. In person we visited the bank with the death certificate and all information they required to close all accounts. Once the accounts were closed and settled we transferred the remaining funds into a trust for the beneficiary. 

Our daughter is still receiving emails and letters from US Bank   regarding her accounts. 

XX/XX/XXXX : an email survey was sent to her, they want to know how they're doing. I responded to the survey, which was from XXXX XXXX XXXX on behalf of US Bank. They responded back to me they will pass the information to US Bank. 

XX/XX/XXXX : email sent to advise her about the updated XXXX alerts and to confirm the correct email associated with the account. 

XX/XX/XXXX : email received " are you missing out? '' presumably to promote services. 

XX/XX/XXXX : letter received regarding account terms, late payment fees, airline/travel service fee changes. 

XX/XX/XXXX : letter sent advising Visa card attached to account has been cancelled because of non-use.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: RentDebt Automated Collections, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
" NEW ISSUE '' Rentdebt Automated claims they verified this debt which I requested for them to send back to the original creditor as I know nothing about this debt. Please provide as you uploaded documentation of this debt. The method of E-OSCAR documentation you sent to the credit bureaus to verify this debt. Section 623 ( a ) ( 8 ) I'm requesting the record of documentation you sent to the credit bureaus to be uploaded via the CFPB portal you sent to the credit reporting agencies. If it is fount you verified this debt with a 2 or 3 digit numeric code instead sending this documentation to the credit bureaus I will be seeking litigation for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
All inquiries I did not approve

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have complained about Ally in the past because they had reported my account as delinquent with a balance when the actually lease of 39 month was all paid on time, during the return process the account was charges unreasonable and excessive fees associated with wear and tear which i disagreed with, So when I initally complained they amended the reporting from delinquent to a charge off. I complained again for the false information called a charge off and they responded the following answer : " notice dated XX/XX/2018, was mailed to your address of record indicating a balance due of {$1600.00} and our intent to report negative credit information regarding the status of your account should payment not be remitted in 10 days. When we did not receive the full payment of your outstanding balance by the required date, your account was charged off, and we furnished that information to the credit reporting agencies. 
Based on a review of your account, we believe Ally is furnishing accurate and complete information of our credit experience with you on this account. Therefore, we will not request the credit reporting agencies remove this information from your credit file. 

When in fact I have discovered new evidence dated XX/XX/2018 which a payoff letter attesting that all fees and charges were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
bank of america comitted fraud in establishing a mortgage on my home. They have steadfastly refused to answer my questions. Their responses do not address the specifics of my questions or my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to call Experian and there is no way to speak with a human being, just an automated system that hangs up on you afterwards. This is unacceptable. I sent letters and and there no resolution to my issues. I am a victim of ID theft and there seems to be a bunch of credit inquiries that are unauthorized that appear on my file. They are having adverse effect on my credit, however Experian is stating they won't remove it and that I have to contact the inquirer, I spoke with those inquiries and they told me I need to start the dispute with Experian. 

XXXX XXXX date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX. 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX   XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX, XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the Past 3 months XX/XX/2019, XX/XX/2019 and XX/XX/2019. My mortgage company " Ditech '' has failed to provide my with a PROMPT statement for my account. My bills are due the XX/XX/XXXX of the month and Ditech is not even generating a statement until after the XX/XX/XXXX of each month. This seems to be a violation of the Consumer Protection Act and the Periodic Statement Rule. I've reached out to Ditech about this matter each month and they still continue to delay my statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019 I filed a paper dispute with Experian on invalid, unknown medical accounts with XX/XX/XXXXXXXXXX/XX/XXXX XXXX # XXXX and # XXXX. Experian erroneously verified the invalid medical accounts and so on XX/XX/2019 I followed up with XXXX XXXX XXXX XXXX with a request for validation on these invalid, unknown medical debts, per Experian 's instructions. XXXX XXXX XXXX XXXX failed to validate these erroneous accounts. 

XX/XX/2019 I re-disputed the unknown medical accounts with Experian, with a copy of my validation request and proof of XXXX XXXX XXXX XXXX receipt of my request. 

On XX/XX/2019, Experian followed up with me refusing to properly investigate, they also appeared to change one of the  account numbers associated with the invalid medical accounts, both blatant violations of FCRA and FACTA. 

Furthermore, Experian has been the only credit reporting agency to refuse to delete these unknown medical accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief