BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-14
Company: EQUIFAX, INC.
State: NJ
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:
On the credit report provided by Equifax on XX/XX/XXXX at https : //my.equifax.com/membercenter/ # /credit/personal-information, my current address of XXXX XXXX XXXX, XXXX, NJ XXXX is incorrectly reported as " previous address ''. On the other hand, my previous address of XXXX XXXX XXXX, XXXX, NJ XXXX ( which my ex-husband and I sold in XX/XX/XXXX, following our divorce ), is incorrectly reported as " current address ''. 

While this seems to be a minor or insignificant issue, it concerns me because I've had been concerned about possible real estate fraud problem against my current property, which I bought in XXXX XXXX and have a deed recorded in XXXX XXXX, NJ. 

I tried to submit a dispute on Equifax website, however, the dispute center doesn't have the option to dispute or correct this kind of problem. 

I would appreciate if you can help address and resolve this issue for me. Thank you. 

XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX , NJ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had 2 checks intercepted and fraudulently deposited to an account at TD Bank. I contacted XXXX XXXX XXXX XXXX, XXXX, and the TD bank. And up until this date, which is now siXXXX months afterwards, I have not received any resolution. On XX/XX/22 I wrote two checks to pay taxes. They were deposited after altering the payee and my signature. I have contacted both XXXX XXXX XXXX XXXX and T D, and they have not received any resolution. The amount of the checks with XXXX, XXXX and XXXX, XXXX. I also received a penalty for the state of Georgia which I want back also and I would like interest on the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Several attempts to challenge the correctness and completeness of only 3 items on credit bureaus have been corrected/deleted to no avail as required by FCRA. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX on all 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 explanation
Consumer complaint received 2023-10-09
Company: LEXISNEXIS
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
reporting ticket that according to the city code doesn't suppose to be reported because its a traffic light violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
SYNCB/PPC -I do not have an account with this company, my credit report says charge off of $600.+ after account opened inXX/XX/2019. This is fraudulent.

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 2019-12-14
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: Account status incorrect

Complaint:
Sometime in 2016 I had A Credit Card Account with XXXX. I Paid The Card Off And Closed the Account. XXXX Is Reporting To Experian That Credit Grantor Closed The Account, While at the same time Reporting o XXXX   And XXXX That The Account Was Closed At Consumers Request.

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 2019-12-14
Company: Upstart Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
We have experienced several issues with this lender mostly with communication and customer service. Not being able to contact is the closest choice to what we are experiencing which is complete frustration. I am extremely busy with a very demanding full time job. I took out two rather small loans last winter with the help of my wife 's research online. One with this lender and another. We are having no problems with the other lender who is very easy to deal with. This lender has nothing but frustrating policies. They will not talk to my wife even with my permission. In the beginning when my wife tried to call, even after I got on the line to give permission, they gave her a hard time and when I emailed the to tell them I want my wife to be able to speak on all matters they refused unless I completed some notarized papers that I have no time for. The other lender has no problem speaking with my wife after I gave this permission over the phone, once when we took the loan. Upstart will not even let my wife call to make a payment! All reps just repeat the same boiler-plate statement that they can not disclose any info. She is not asking for info to be disclosed in any way. She just wanted to make a payment. She can't even do that. Then I wanted to change my email and emailed them about this at least four times if not more. The customer service department keeps insisting that there is a link on their website to do this. The same person has been answering our emails since early XXXX. We tried over and over and there is no link for this. It leads us to a link to change our password. An arrogant customer service rep in Upstart operations actually told us tonight that the case is closed and they have answered us! I am fed up. this is the worst company to deal with. In the beginning right after I took this loan out they accused my wife of trying to call up and impersonate me. Even a supervisor accused her and it was finally investigated and after pulling the calls they admitted that she never did! What is this? The treatment is awful. I will never take out another loan with this lender and I want this known.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was a victim of the Equifax data breach and my information was bought and sold illegally. I want these items removed from my credit report immediately. I am attaching proof from Equifax admitted that I was a victim of the data breach and Equifax has done nothing to help me. Please help me remove these illegal accounts from my credit report a ) XXXX XXXXXXXX XXXX Acct  ending in XXXX for {$410.00} b ) XXXX XXXX XXXX acct # ending in XXXX for {$640.00} c ) XXXX XXXX acct # ending in XXXX for {$1000.00}, d ) XXXX card acct # ending in XXXX for {$2600.00} and e ) XXXX XXXX acct ending in XXXX for {$570.00}. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-12-10
Company: EQUIFAX, INC.
State: NC
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 HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX XXXX XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. Remove ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE LATE PAYMENT ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 explanation
Consumer complaint received 2021-12-10
Company: GLA Collection Company, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
GLA Collections and XXXX is violating my right to a fair and accurate credit report. I have filed dispute after dispute and have requested numerous times that GLA collections validate the debts they all reporting to XXXX and any other credit reporting agency, but have failed to get any response other than refusal to validate the debts they are reporting. GLA is reporting a total of XXXX debts of which some appear to be repeating to XXXX. I have requested by letter and phone that GLA Collections provide the name of the original creditor, and proof that the collection agency is licensed to collect in the state of Kentucky. I have also requested that they provide a breakdown of any charges and fees as well as to provide a copy of my signature with the provider of service to release my medical information to them. All my request and efforts have fallen on deaf ears by both GLA collections and XXXX. As stated to GLA Collections this is not a refusal to pay any debt I owe, but I am unaware of these debts and require validation for anything stated I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I obtained a loan XX/XX/2018. Fixed rate, fixed term, fixed loan. However, if I pay it off now I still paying the interest for the whole time. I find it interesting how they are able to front load the interest charge and include it in the original loan amount. On their online portal its states : Amount Financed : {$5700.00} However, I didn't receive that much, that is including the finance charges. Then it states my loan was funded for XXXX however it wasn't. The total amount with interest would have been XXXX but I did not receive that much when I obtained that loan. 

I am concerned because it currently states the balance is : XXXX and some change. And when I look at history it shows all payments going to principal and not interest. So if I go and pay off the full amount its including interest that shouldn't even be charged as of yet but is being included. I believe that is against the rules and a practice that has previously been ruled a UDAAP violation. 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 2017-11-15
Company: Experian Information Solutions Inc.
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:
ON XX/XX/XXXX I WENT TO XXXX AND XX/XX/XXXX I WENT TO XXXX TO LOOK AT CARS. I NOW HAVE XXXX HARD INQUIRIES ON MY CREDIT REPORT. 
I HAVE BEEN TOLD BY THE CFPB THAT RELATED INQUIRIES MADE WITHIN 14 DAYS WILL COUNT AS XXXX INQUIRIES. THIS SHOULD MEAN THAT I SHOULD HAVE XXXX INQUIRIES, NOT XXXX.. THAT IS NOW LISTED ON MY CREDIT REPORTS. THIS IS UNACCEPTABLE AND PREVENTING ME FROM GETTING MY PRE-APPROVED HOME LOAN APPROVED. I HAVE A VERY LIMITED AMOUNT OF TIME TO HAVE THIS CORRECTED TO PREVENT LOSING MY HOME. 
I WOULD APPRECIATE YOUR PROMPT ATTENTION TO THIS MATTER.

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 2021-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX Chase bank cashed XXXX checks deposited into account on XX/XX/2021, closed account on XX/XX/2021 and did not return funds from cashed checks to customer after Chase closed account without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
On XX/XX/2023, Rushmore Loan Management Servicing LLC was paid for the months of XXXX, XXXX, XXXX, and XX/XX/2023 Mortgage payments with the grant of {$12000.00} ( Maryland Homeowner 's Assistance Fund ). The XX/XX/2023 mortgage statement indicated the amount total amount due was {$11000.00}, which includes {$260.00} late fees. The Maryland HAF grant of {$12000.00} paid for the past due mortgages for XXXX, XXXX, and XX/XX/2023 including late fees, as well as paid in advance XX/XX/2023 mortgage payment. ( RLMS Loan # XXXX ) On XX/XX/2023, the loan was transferred to new servicing XXXX XXXX XXXX XXXX Rushmore Servicing with new loan XXXX XXXX. The new XXXX XXXX is charging additional late fees totally {$340.00}, which were already collected prior to transferring the loan, but were not adjusted /credited by the prior servicing. The new loan setup documented transaction history indicates that the escrow balance of {$9100.00} was sent as transaction no. 11 and the surplus collected last fees was sent as transaction 12 in the amount of {$340.00}. The prior servicing told me that the surplus of {$540.00} was being sent with the escrow balance for the new servicer to make the adjustment ( {$12000.00} minus XXXX = {$540.00} surplus ). The escrow analysis has been completed and they are refunding me {$150.00} ; however, they are still not acknowledging the the former loan servicer transferred the {$340.00} late fees paid. Also note that they are illegally assessing a late fee for the month XX/XX/2023 mortgage which was paid and received in advance in XX/XX/2023. The grace period on my loan for late fee is after the XXXX of the month. XXXX was received prior to the month of XXXX and prior to the grace period deadline ; however, both the Rushmore Servicing will not make the adjustment to my account. The entire late fees for XXXX, XXXX and XX/XX/2023 were paid with the signed agreement between Maryland Homeowner 's Assistant Fund and Rushmore Loan Management Servcing LLC. The new Rushmore Servicing has employeed the former employees of prior servicing has been provided all of the document sent via at mailed XXXX XXXX XXXX, XXXX, TX XXXX. I am dealing with the same employees in the dispute department because the former and new servicing are the same personnel who will not take action to correct the late fees charges on my mortgage loan. I am current on my mortgage and the next payment due is XX/XX/2023, with the grace period for late fee applied by the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 
XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} ( PLEASE DELETE ) XXXX XXXX ( PLEASE DELETE ) XXXX XXXX XXXX {$250.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXX ( PLEASE DELETE ) XXXX XXXX  XXXX {$130.00} ( PLEASE DELETE ) XXXX  XXXX XXXX ( XX/XX/XXXX ) CLOSED ( PLEASE DELETE ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX CLOSED ( PLEASE DELETE ) INQUIRIES : XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XX/XX/XXXX ( PLEASE DELETE ) Also, attached is a copy of my new driver 's license, please update my name and remove all old names from my credit file as well. 

Thank you so much for your time and attention to this matter.

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