BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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/XXXX, I sent an affidavit ( Attached below ) concerning some inaccurate accounts, addresses, and names reporting on my credit profile they maintain under my social security number. 

This information is reporting is incomplete and can not be verified under the accurate method of verification under 611 ( a ) ( 6 ) and ( 7 ). Section 607 ( b ) requires you to maintain " reasonable '' procedures to assure maximum possible accuracy. 
In the judgement of XXXX vs XXXX, reasonable procedures to assure maximum possible accuracy '' of my credit report should be insured. See 15 U.S.C. 1681e ( b ). 
Under FCRA within 15 days it must be re-investigated 611 ( 6 ) ( B ) ( iii ) to permanently delete the inaccurate and incomplete accounts that are being reported on the credit profile maintained under my social security number. 

For the record : My name is XXXX XXXX ( see attached drivers license ) and my address is : XXXX XXXX XXXX XXXX XXXX, XXXX MS XXXX Please remove all other name variations and addresses from my credit report as they are not reportable per the FCRA, and inaccurate. Remove all other reporting addresses listed below that should be deleted from my credit file that I never resided in, and may possibly be listed on my credit report due to fraud. Enclosed are my Notarized drivers license and recent bank statement verifying my address and identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Closed Account Reporting as written off Incorrect High Balance {$1200.00} Reporting XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Invalid Furnisher Reporting XXXX XXXX Account Number XXXX Unverified Account Inaccurate/Unknown Account XXXX XXXX XXXX  Account Number XXXX Inaccurate Account Number and High Balance of {$610.00} Reporting Inaccurate Reporting as " collection '' account was closed

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 2021-11-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: NY
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:
Date of last payment is incorrect And is not accurate between all 3 major credit bureaus. XXXX Account name : XXXX XXXX XXXX. 
Balance : {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, 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 recently requested and received a copy of my detailed Credit Reports from all three major Credit Bureaus : XXXX, XXXX, TRANSUNION. 
After reading through my credit files produced by TRANSUNION, I have found multiple credit " hard '' inquiries. The main reason of my Complaint today is that ONLY the TRANSUNION produced Credit Report showed multiple " hard '' credit inquiries. These type of credit Inquiries have a harming impact on the Consumer 's Credit Scores, in other words, credit worthiness. However, these informations are not present ( not found ) in the other two major Credit Bureaus ' XXXX and XXXX produced Credit Reports. 
In other words, both Credit Bureaus, XXXX and XXXX Credit Reports shows ZERO Credit Inquiries in my Credit Files. The only exception is TRANSUNION. I submitted a Complaint Letter to TRANSUNION but I only received a pre-typed and copied, generic letter as their response. I do not give my personal permission to companies to look into my Credit Files. Both XXXX and XXXX   are lacking to report what TRANSUNION does. I demanded an ANSWER, but again, I received nothing but a pre-typed and copied letter. Therefore, I am submitting this Complaint against TRANSUNION demanding a sensible answer as to WHY only THEY show harmful Credit Inquiries and while the other two major Credit Bureaus do not. I also concluded the following : The primary reason - compare to the two other Credit Bureaus - is WHY my Lenders used FICO Credit Scores produced by TRANSUNION are SIGNIFICANTLY lower compare to XXXX and XXXX, is because of these reports causing negative impacts on my hard-earned and high credit scores reflected with XXXX and XXXX. 
To demonstrate the sharp difference in my Credit Scores, as of today, XX/XX/2019, my points are as follows : XXXX : XXXX points XXXX : XXXX points TRANSUNION : XXXX points -- 55 points LESS than XXXX and 36 points less than XXXX! 

Thank you very much in advance for your help in this matter. 
Respectfully, XXXX XXXX Consumer

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 2017-11-17
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing to voice a complaint about the loan servicing I have received from Navient. On XXXX XXXX XXXX, five days before my loan payment was due, I made a call to Navient and started the conversation by saying I can not afford my payment. The representative explained that one option was a program that would lower my payment for one year. However, since I was also enrolling back into full-time schooling during the same month, the representative explained that one year program to lower my payment was not the best option, and that my in-school status would cause my payment to be in defferrment for most of that one-year time span and after enrolling, my past due payments would go back into defferment. Since then I have received multiple collection calls daily, with different representatives telling me different things about the status of my payment. I made several very big life decisions about continuing my education based on information I received from Navient during that original conversation BEFORE MY PAYMENTS WERE DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: KEYCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called " Key bank '' in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, I informed them about a CC that is appearing on my credit report which I have no recollection of applying for. When I spoke to them in XX/XX/XXXX they said they couldn't find my account with the account number on my credit report. I had a loan officer pull my credit report in XX/XX/XXXX for a home loan application and he informed me that I was an authorized user on the " Key Bank '' credit card, which I never authorized. I need this account to be removed from my credit report as I am being harassed from collection companies ever since my loan officer advised me to dispute it.I called last week and they finally informed me that " XXXX XXXX '' is the primary person. I have no clue who she is or when she added me or how to even get in contact with her. they said she would be the only person able to remove me. I can not be liable for someone else debt who I don't know and most importantly who I never authorized to add me to this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Changed payment plan several years ago to IBR. First PAYE then REPAYE. My balances have almost doubled although I've never missed a payment. Customer service can never explain why and the payment plans make no mention of this. How can this happen? I am on a payment plan because I'm a single mother of a severely XXXX child. By the time loan forgiveness hits on these so called plans I might owe hundreds of thousands of dollars. Nelnet is my serving company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, I was the victim of bank fraud. An individual walked into a Bank of America banking center, claimed to be me, and withdrew {$4000.00} from my checking account. The fraudulent transaction occurred in North Carolina ; I live in Maryland ( and was in-state taking a training course ). The individual did not use a stolen check, nor a stolen debit card, nor a stolen ATM card ; I purposefully do not have a debit card associated with this account. 

Through no fault of my own, a Bank of America employee failed to properly verify that this individual was, in fact, the account owner, and then handed the person {$4000.00} of my money. 

Bank of America is taking up to 60 days to investigate this fraud. In the interim, the bank IS NOT providing my a provisional credit of the fraudulent transaction. So, in the midst of a global pandemic, and the upcoming holidays, I am out {$4000.00}, cash. 

I've spoken with Bank of America fraud associates regarding the credit timeline -- I had read that banks must credit customers accounts within 10 days of fraud. Unfortunately, this only applies to electronic transactions and not to in-person teller transactions ( which should, presumably, be more secure ). 

I alerted Bank of America of the fraud on the SAME day that it occurred. I have filed a identity theft report with the FTC. I have flagged my SSN with credit bureaus.

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 monetary relief
Consumer complaint received 2018-05-22
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 all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}

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 2018-01-28
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
my previous mortgage company, SLS, reports on my credit report " foreclosure proceedings started '', i ended up settling and doing a short sale. my report should show short sale, by leaving the foreclosure proceedings started on there, it precludes me from getting another mortgage for 7 years instead or 3-4.

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 2023-06-12
Company: EQUIFAX, INC.
State: TX
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I've been keeping up with payments on this loan since XXXX of 2018 and haven't made hardly any progress repaying it. I owe hardly less than what I started at. This loan would be one thing if I was making monthly payments but the fact that they want payment every time I get paid is CRUSHING and what makes it so financially crippling. The expensive payments have caught up to me. I'm taking classes to better myself and enter a lucrative field ( Information Technology and Networking ) and because of this I'm working reduced hours. I'm making deliveries for food delivery apps and grocery shopping apps but it's still not enough to make all the ends meet, particularly towards the outrageous expense of this loan. I need help. The payments are too high and too frequent for me now and i don't know what to do. I've tried getting a debt consolidation loan but have yet to find a company to help me because my overall debt is only around {$8000.00} ( the Avio Credit loan is approximately {$3000.00} of that ) but for me that's a LOT of money, especially as I'm goong through this part of my life where I'm trying to get an education that'll result in a better paying and more fulfilling job. As i said, i don't know what to do and i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: IL
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 mailed, by US Postal Certified Mail, Experian a Federal Trade Commission Identity Theft Report on XX/XX/2018, letter attached, which contained five credit cards and/or personal loans that were reporting on my credit report and are fraudulent. Experian did remove/delete all except a XXXX XXXX account. I then mailed XXXX, by US Postal Certified Mail, what was required which was also the Identity Theft Report. Until today, both Experian and XXXX have still not removed this fraudulent account from my credit report. XXXX mailed me a letter, dated XX/XX/2018, who claim they conducted their investigation and will not report this account on my credit report but still are. All documents will be uploaded here as proof. XXXX also claims that the address statements were mailed to were also fraudulent and was reported on the Identity Theft Report. Than the also have a wrong name that is not my name, which I attached and circled in red pen. They are clearly not conducting a thorough investigation and are still reporting this fraud account on my Experian 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: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I obtained secured Capitol One credit card XXXX 2022 with a security deposit. Then obtained regular Capitol One " Quicksilver '' credit card in XXXX 2022. Unfortunately, i had to file bankruptcy in XXXX of 2022. It is almost a year later and Capitol One still shames me by reporting the wrong high balance on my credit report. After dispute they corrected one of they of the line items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 recently noticed an account on my credit report that listed as Kohl 's Charge Card and I never opened an account with this company. When I called the company and sent multiple letters they have sent me back a generic letter stating the account was not opened fraudulently which I never opened this account and if they are say I did then I asked for a consumer agreement or application with my signature on it and they stated on XX/XX/XXXX that they don't keep that information on file past 90 days. The still have have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it or etc. ) and under Section 611 ( 5 ) ( A ) of the FCRA. The will not because they stated that they don't have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Commencing on or about XX/XX/2016, I fell victim to a multilayered scam operation orchestrated by XXXX trader platform with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via credit in the total amount of XXXXUSD utilizing your services by XXXX XXXX and XXXX, XXXX USD by XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Recovery has failed numerous times to notify me it's intent to report an alleged debt to the credit card bureaus. On XX/XX/2019, I had received notification from XXXX XXXX that there was an added derogatory account. National Recovery had failed to provide me a 30-day notice to dispute the debt. The company will receive a notice demanding them to provide validity of this debt within 30 days of the date they receive the letter. This is not the first time they had failed to provide me with notification of an alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am seeing on my credit report a collection from united collection bureau of the amount {$2000.00} this is a medical bill I am a victim of identity theft and I called them and told them such. 
This is a debt that resulted from someone stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, 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 have unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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