BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: AL
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 the Fair Credit XXXX Account # XXXX ( XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-04-29
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i requested for Loan Modification on XX/XX/XXXX and XX/XX/XXXX Mr. Cooper declined Loan Modification. Now they based this application on my Deceased grandparents. 

I inherited property through a Trust and yes they have had copies of both Death Certificates, Trust and Title back in XXXX. 

I am only on Title and XX/XX/XXXX I sent over via fax a XXXX XXXX Modification Application and all supporting documents such as tax returns, XXXX, etc ( 25 pages XXXX. 

On XX/XX/XXXX called Mr. Cooper to confirm receipt of faxed documents ( 25 pages ) spoke to XXXX who stated they received all 25 pages. So when I asked about this letter dated on XX/XX/XXXX showing Items still needed ( /income, tax returns, etc. ) she placed me on hold to ask underwriter. The underwriter had told her that they needed my grandfathers death certificate. 

I do Not feel comfortable knowing that they have all the documentation needed for myself and yet there asking for information on deceased people. 
Now there telling me to check back within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have consulted with an attorney who assures me that the FCRA requires CRAs to provide free reports, including online, but does NOT allow them to condition access to an online report on disclosure of a phone number and email. However, for years, XXXX and now XXXX as well, have done exactly that, and have ignored complaints about it being illegal claiming that they can do it because I can call or write to get a report. But again, the law EXPRESSLY requires online access and does NOT limit that access to my giving personal information I do not wish to provide to companies whose entire business depends on selling my personal data.

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 2023-04-26
Company: Experian Information Solutions 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:
See the documents attached. 
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2017-01-27
Company: Auto Trakk, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
One the customer service representative lied and stated that I was current on my payment in which I was n't which caused me to be a week begind. Two, they contact me repeatedly even after I tell them when I 'm going to make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 the XXXX XXXX XXXX Account # XXXX ( XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-04-29
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Had requested relief from student loan payments with AES ( American Education Services ) due to COVID ( my wife was not ale to work and our Household Income was reduced dramatically ) going back to XX/XX/XXXX Was on what i thought was the Federal Relief Program when legislation was passed along with the Stimulus Payments. Was told that I was eligible for a Forebearance and was on one fromXX/XX/XXXX throughXX/XX/XXXX Was sent letters about the Forebearance expiring but if I was still having difficulty making payments due to COVID to call and inquire about further assistance. Was told back in XXXX that I was not under the federal program since this loan did not qualify under the recently passed CARES Act but they would submit my request via phone to do a Natural Disaster Forbearance Extension which was the original plan fromXX/XX/XXXX I received a letter dated oXX/XX/XXXXthat I was no longer eligible regardless of COVID so I called back in to see what relief I could get since my wife was still unemployed. Was told again that they would submit a repayment plan option and see if that would work and received an email on XX/XX/XXXX about the COVID related Forebearance may be ending soon???. I called back in and they stated again that they would submit my request via phone. Shortly after I received notification that my credit score dropped 50 point sand was reported 60 days past due by AES. Called back in to AES and spoke with a rep about disputing the credit reporting as well as eligibility for a 90 extension as part of the COVID situation. Was told to keep checking the website over the next 7 days to see the status of the relief program and at one point saw that here was no payment due. 
Received a denial letter on XX/XX/XXXX about the credit dispute ad just received an email stating that I'm now more than 90 days past due and I still owe the current monthly payment. THERE IS NO CONSISTENCY AS TO WHAT YOU ARE BE BEING TOLD OVER THE PHONE AND THE SPOOTY ELECTRONIC COMMUNCIATION THEY POST ON THE SITE OTR SEND VIA EMAIL. My credit score has dropped over 100 points, My wife is still not back at work and I am having difficulty paying this monthly bill. Hopefully able to resume as things start getting back to normal and my wife resumes her business in the summer. 
Pleasehelpo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Capital Accounts, LLC
State: SC
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/19, I filed a complaint with Capital Accounts on the CFPB website. The Companys response was incomplete and, in one instance contains, I believe, erroneous data. I was advised by the Consumer Financial Protection Bureau that the proper way to handle the situation was to file a new complaint to address the three outstanding issues. 
The first issue deals with the XXXX XXXX XXXX that Capital Accounts sent to me. It shows total charges of {$3100.00} with my insurance company ( XXXX XXXX ) paying only {$330.00}. This can not possibly be correct. I have excellent dental insurance through the XXXX XXXX XXXX XXXX XXXX XXXX. Depending on the service provided, the cost to me would be 75 %, 50 %, or free. 
The XXXX XXXX XXXX shows the payments from XXXX XXXX that were made. XXXX would have received an Explanation of Benefits ( EOB ) along with each payment. The EOB would show each line claimed and the amount paid. I believe the EOB will show XXXX failed to submit all the claims. Please have XXXX provide a copy of the EOBs so we can resolve this issue. 
In support of my comments re the levels of benefits that would be paid under my dental policy, Ive attached an EOB and some Pre-treatment estimates. 
Second, in their last response, Capital Accounts stated that they had accrued interest in the amount of {$530.00} but did not provide any details e.g. dates and amounts of the interest charges. Please do so. I would also like a copy of the agreement that I signed that allows me to be charged interest. In the absence of such an agreement, I have been advised that I can not be charged any interest. 
Third, in their last response, Capital Accounts said I have made {$500.00} in payments. Originally I had requested that Capital sent me a detailed schedule showing the dates and amounts of all payments so I could reconcile the payments to my records. They have not done so..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: WA
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:
In XXXX of 2020 I had one late payment for my loan through XXXX now Achieve. They agreed through phone calls that they would delete the one late payment because it was in the beginning of covid-19 and I had not had another late payment since on the account. 
XXXX has not updated my account it still shows late reporting on my XXXX acct. Please remove the late payment as agreed through phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
illogical finance charge : On My Chase Freedom Credit card i have gotten 0 % APR offer and i have used that offer ( XX/XX/XXXX BALANCE TRANSFER TO XXXX XXXX ). Later in the year XX/XX/XXXX i have used this card for other purchases also. So now i have XXXX type of balances a ). 0 % ARP ( balance transfer ) and b. ) Regular purchases 19.49 %. So i decided to payoff my balance of type ( b ) .My statement date is XXXX of every month. 
I paid my type ( b ) balance on XX/XX/XXXX which is two day before the statement date. So this payment did not clear any of my type ( b ) balance whereas it reduce my type ( a ) balance. 
I called Chase customer representative about this ( on XX/XX/XXXX ), i said that i was unclear about this logic how the payment applies if you pay before statement date and told them my intention was to clear the purchase balance ( type b ) .. and i have asked them if they can change the payment date to any date after statement data and provide the waiver for all the interest charges till date.and we decided chase will returne my payment and i will make the payment againt with new data. 
They refund my payment ( XX/XX/XXXX ) and i receive that payment on XX/XX/XXXX. and now i have made the payment again. 
Now Chase has charge me extra XXXX dollars as a interest because they have refund me my old payment that i made XX/XX/XXXX. 
But i dont agree with this XXXX dollars interest charge. Bank is saying this charge is for those XXXX payment that they have put back in my checking account. 
My point here is that : this payment of XXXX was sitting with chase bank from XX/XX/XXXX till XX/XX/XXXX. Why i should pay the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
this is add on from my previous complaint with JP Morgan Chase Bank. the week when i found out about JP Morgan Chase Bank placing a pending closure /freezing my funds on my checking account. 
I went to the XXXX XXXX Chase Bank Branch, spoke with bank rep, manager, then Bank Rep manager branch called JP Morgan Chase Bank corporate, discuss my issue, stay in there for an hour. after all the discussion with Chase Bank branch manager, I should not be worried about the bills payment i had issued drawn to my checking account. all issued bills payment are going to be paid by Chase Bank via my checking account regardless of the pending closure/ freeze funds. 
& gt ; no worries ... 
Well that did not happen. XXXX was XXXX of the merchant i issued a bill payment. Since the bill payment was taken back by JP Morgan Chase Bank which made it worst. XXXX place my account on a limit status & gt ; No online payment, no credit or debit payment. all payments must be paid on XXXX kiosk at a location for a year. 
This is an outcome from jP Morgan Chase Bank actions. This is not my fault & lt ; i spoke to XXXX but damage has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I resided at XXXX from XXXX ( see attached ), and I had a move out balance of {$110.00}. The apartment collection agency ( XXXX ) posted this on my credit report TWICE. The balance has been paid to XXXX since XXXX XXXX, XX/XX/XXXX ( see attached ), however it is still showing up on all credit bureau as a DEBT and as a DUPLICATE. The collection agency is giving me the run around and it has affected me tremendously, and I need this debt to be removed IMMEDIATELY!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-15
Company: EQUIFAX, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax I noticed that you verified the account below : XXXX XXXX XXXX Account number : XXXX, Monthly payment amount is not consistent per bureau. Investigate, delete or fix date of last payments. 

Because I dont know a lot about credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. 

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTCXXXX XXXX, CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX i sent a dispute in regards to fraud that occurred on my consumer report to Equifax. It has been over 30 days and i have not receieved any information about these inquiries that should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 the XXXX XXXX XXXX Account # XXXX ( XXXXXXXX XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-26
Company: EQUIFAX, INC.
State: AL
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 the XXXX XXXX XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation