BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX. 
I went into the XXXX XXXX XXXX XXXX. I needed some verification sent to " Equifax ", to verify that I use my original birth name, and that I changed my name due to error of XXXX on original birth certificate. I had to put an " Security Fraud '', and Security Alert '', on all, '' Credit Files '', XXXX, XXXX, and Equifax Credit File '', after finding out about the " Security Breach '' with " Equifax ''. I'm also known as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first time I tried to fax over verification to Equifax Dispute Department, The following Documents were required : Social Security Card Drivers License Utility Bill On XX/XX/XXXX. 
All these documents were sent. By Branch Manager : XXXX XXXX, these Legal Documents sending the required information to Equifax, on Friday, XX/XX/XXXX 
However, when I called to follow up on my request to " Lift My Credit Freeze, I was told by Equifax that they needed additional information. 
I was not able to get back to the XXXX  Branch location on the bus, so I went to an different location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN. XXXX Not sure of the Member Services, XXXX Employee Name, because he stated that his location is on XXXX XXXX XXXX XXXX, This XXXX Employee, said he took my " Legal Document, that I received from Probate Court to the copy machine, I explained to him that I spoke to Equifax on XX/XX/, and that I spoke to them again on XX/XX/XXXX. 
Equifax is accepting an fax of " Legal Documents of original name and XXXX correction on original birth certificate, XXXX XXXX XXXX XXXX, The XXXX Employee, came back from copy/fax machine in the XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TN. XXXX. He could not find the Legal Document, and that he emailed to his person that was scanned. I asked for an confirmation number that the fax was sent to " Equifax '', I was told that he is not giving me nothing! He can't find the, '' Legal Document Scaned '',, and that it's nothing can be done about it? I asked the XXXX Employee, want happen to the " Legal Document ", that was to be faxed too " Equifax ''!

I can not believe, refuse to accept that once an legal Document, is scanned that it just disappeared, and why would my legal Document go into someone's personal emails?

I'm very concerned, and I Pray that no one has stolen my " Inheritance '', that my Great Grandfather, Grandfather, Father left me has not been stolen!

Your Professional Input in this matter is Greatly Appreciated!

P.S. Not Sure What How This Could Be Happing Over, and Over with these Banks, and Credit Unions? It does not Sound Ethical! 

Thank You, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Hi I been loyal to Bank of America over seven to a year now. But now I cant trusted overall I will like to see if there any of over charges, over fee. Past all those years.

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 2023-03-28
Company: EQUIFAX, INC.
State: CA
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 second 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 Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$80.00} ; XXXX XXXX Inquired on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Benuck & Rainey, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Getting calls from Benuck & Rainey LLC, debt collectors. They call daily, sometimes up to 7 calls a day, some within minutes of each other. When I answer they ask to verify DOD and SS # before they can even tell me what the call is about. When I ask to tell me what the call is about before verifying my information, they get angry and aggressive before they proceed to hang up. I don't know what this calls could be about and have not received any kind of correspondence from this company either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There are Several hard inquires from a car dealership that I worked at I was advised if I got approved for a loan it would only be XXXX inquiry I did get a loan which I had paid in full yet there are several hard inquiry marks that are not authorized on dates XXXX/XXXX/2016 only at XXXX dealership should n't have those on my 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 2021-01-26
Company: EQUIFAX, INC.
State: MD
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 paid off my car note with XXXX XXXX in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from XXXX that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why XXXX is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mother was approved from a home loan in XX/XX/XXXX. 

1. The original loan documents were incorrect with the wrong interest rates and amounts. 
2. Loan adjusted during the XXXX Mortgage crisis when they were trying to refinance and payment went from : Org Payment : {$1900.00} monthly Adjusted Payment : {$4400.00} monthly ... 

Org Principal Balance : {$260000.00} Adjusted Rate Principal Balance : {$390000.00} Current Principal Balance XXXX : {$270000.00} 2 years interest : {$63000.00} 2 years escrow balance : {>= $1,000,000} Recoverable balance : {$3500.00} Less Credits {$650.00} Adjusted Rate Principal Balance : {$390000.00} 3. JP Morgan Chase was supposed to adjust the loan terms base on the XXXX Mortgage Crisis with the Making Homes Affordable Modification. Not only was the principal balance was INCORRECT but the additional fees added to the loan were INCORRECT. 
4. JP Morgan Chase REFUSED to correct the matter and sold the Loan off to XXXX which is now XXXX XXXX. 

Mother has been trying to get this corrected with JP Morgan Chase, XXXX, aka XXXX XXXX for over 13 years with no resolved. The Ombudsman Office aka Office of the President at JP Morgan Chase, XXXX, aka XXXX XXXX are continuing to play games after several attempts with certified mail, phone calls, and escalation teams submitting official documents showing the ERRORS. ALL HAVE REFUSED TO GET IT CORRECTED. 

PLEASE, ASSIST ASAP. THANK YOU FOR YOUR HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: MO
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 am submitting this CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I need you to either correct my Credit File by updating and or removing the following accounts off of my Credit File : 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 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 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 I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on 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 2022-07-10
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Heavy & Associates flagged my credit report in attempt to collect a debt. I never heard or worked with this company who is trying to collect this debt of XXXX dollars as of XX/XX/2022. I personally stay in the state of XXXX XXXX, this company is out of XXXX, XXXX. I know for a fact under the FCRA this company has broke more than one code. 15 USC 1692 C ( A ) 15 USC 1692 ( B ) 15 USC 1692 B ( 5 ). I will make a complaint with the BBB as well about this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
REGARDING XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX SR LOAN MGR I. HAVE BEEN TRYING TO GET A COPY OF THE CREDIT INQUIRIES OF THE INQUIRY SINCE XX/XX/2018 AND IF WAS APPROVED OR DENIED BUT HE IS ACTING XXXX IN HIS EMAIL BACK TO ME. STILL NO COPIES RECEIVED AS OF 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 2021-01-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have contacted TD Bank on 6 different occasions to close my checking account. Each time they fail to do so. I dont have any money with TD Bank but they keep my account open to charge me fees. I have asked 6 times on 6 different occasions online and over the phone to close my account. 

CLOSE MY ACCOUNT TD BANK!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: CA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-03-28
Company: EQUIFAX, INC.
State: MO
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 am submitting this CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I need you to either correct my Credit File by updating and or removing the following accounts off of my Credit File : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX XXXX  XXXX Balance Owed : {$26.00} XXXX I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, XXXX and Experian provided a generic response to my complaint and it was not accurate. I have sent the letters in to both credit bureaus. The letters are attached. I have authorized this compliant. I am not a third party submitting this complaint. My ID and utility bill are attached. I need this account removed and my personal information updated. I have sent in several letters every month by mail. I have called and was informed to submit this information and I did such. 
XXXX XXXX XXXX XXXX Balance {$10000.00}

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 2021-04-05
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. XXXX and XXXX  are not investigating these negative accounts that are reporting. They show the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
I am submitting this CFPB Complaint to you once more to formally dispute the fraudulent inquiries listed on my credit report. Despite my repeated attempts to have them removed over the past three months, inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX, XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 . I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these unauthorized inquiries, I expect immediate action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately.

The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. I Request you add fraud alert to my account. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2023-10-02
Company: Chime Financial Inc
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I called in to ask why my spot me decreased like I was new account holder 2 different people helped me on phone. They told me chime representative and they had me download an app so they could remotely get into my account the guy looked in every banking account I have on my phone and when I asked why he said u talk I hang up and u don't get ur money back they lady prior to this did same I trusted them she took XXXX. From my cash app transfered it to my chime then paid some name idk all my money and now can't get back I think k it's scam... .please help they took all my money My number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. Please correct the status of the account below : XXXX XXXX XXXX XXXX Balance : 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 2018-03-04
Company: Nelnet, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Nelnet Attn : Claims XXXX  XXXX : XXXX XXXX, NE XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item late payments from XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to Nelnet as soon as XX/XX/XXXX to be place in a Miltatry Forbearance. Nelnet failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation