BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Information on a AARP Chase Bank - I requested a credit line increase. Chase reports incorrect information on my record. I have contacted XXXX XXXX. This is a critical report that was created by Chase to deny an increase in line of credit. The stated " The reporting agency played no part in our decision and is unable to supply specific reasons why you have been denied credit to you. '' I am a XXXX-year old senior and have never had a problem with my credit. Recently I applied for a {$15000.00} loan and it was approved. I call this discrimination against a senior citizen> Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX TransUnion 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 : { dispute_item_and_explanation listed underneath Personal Information : XXXX XXXX XXXX : XXXX XXXX Ct XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX 
XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX. 
XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
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 eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Bankruptcy Date Filed XXXX. XXXX, XXXX Reference Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank overdrafted my account by taking out a {$35.00} overdraft fee before taking the charges out therefore I was over 2x which started a snowball of overdraft fees and issues. They then charged me overdraft charges for my overdraft charges, thus charging me 2x for XXXX overdraft. The put a check thru my account, overdrafted my account, bounced the same check and charged me a returned check fee 2 days in a row for the same check. The continue to charge me overdraft fees and sustained overdraft charges. They are now threatening to close my account and denying my automatic charges when the account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
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 am writing to file a formal complaint against Experian, XXXX, and XXXX regarding their continuous failure to protect my privacy and their alleged failure to maintain reasonable procedures to ensure the highest level of accuracy, as required by the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to address concerns and rectify inaccuracies in my credit reports, I have encountered ongoing issues with these consumer reporting agencies. The repeated instances of privacy breaches and inaccurate reporting have had a severe impact on my financial well-being, causing undue stress and frustration. Furthermore, their alleged failure to validate their method of verification raises significant concerns about the integrity and reliability of the information they provide. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action to address the failure of Experian, XXXX, and XXXX to protect consumer privacy and maintain accurate credit reporting practices.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section ( 5 ) ( A ) of the FCRA- they are required to promptly delete all the information which can not b verified that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
When l checked my XXXX credit report, l noticed that there is a hard inquiry made by CHASE CARD on XX/XX/2018 which l have no idea about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: AMA Advisors, LLC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I co signed for a loan with my son so he can purchase a home. Homebridge Financial Services is the mortgage co. I am in the process of trying to purchase a home. They put my son on Forbearance without his permission. He didn't realize until I applied for a mortgage and it came up. My son realized that they didn't do the withdrawal. This was in XXXX, so the made XXXX and XXXX payment together. My mortgage company saw the late payment and requested a letter from the company stating that - They made an error and put him on a forbearance and that is why they didn't take the payment and that he paid once he realized he XXXX was taken out. On XX/XX/XXXX my son and my mortgage broker called the company requesting that letter. They said it will go out on the XXXX of XXXX. When called on the XXXX they said it went out on the XXXX. When I called on the XXXX stating it hasn't been received, they said they will fax it and it will take 24 to 48 hrs. When I called on XX/XX/XXXX and was disconnected 5 different times spoke to 6 different people, some said they do not see the letter. The other say they did. Employee ID # XXXX was going to email Managers and see what they can do for me. I was unable to speak to a manager or supervisor when I asked. Last night we spoke to someone again with my mortgage broker on conference call. They said they see no letter and there is nothing they can do for us. This morning my wife got a fax, a useless fax just stating the definitions for the column headings and my loan history. Loan history was not attached. This letter is not what we need. I have exhausted all avenues with Homebridge on getting this letter. Not only will I lose the house but I have been just advised that I will lose my {$20000.00} deposit which I definitely can not afford to do. Contract is voided on XXXX, 2020. I am on a time constraint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Can't get any information on my loan. Chase just purchased it. But I can't even get the loan #. I made a payment, but nothing was taken out of my account. I don't want to be delinquent, but can't get hold of anyone at chase. The level of service from my previous mortgage company to this I've is unacceptable. You need to have as high or higher standards than the company I previously had my mortgage with. 

I spoke to XXXX and she said that's chase has no way to see if payments have been made. She said even a supervisor will not be able to see if a payment was made to chase. She was not able to tell me who I need to speak to in order to find out about payment. 

Who do I need to talk to in order to find out if a payment was made? 

Why can't chase see when I pay chase? 

Still want able to get my loan # from them either. 

Horrible lack of service. 

Is it legal to require a complaint here too fond this information out? 

Is it really not allowed to make a payment on a holiday? I should be able to make a payment on any day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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:
I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it.

XXXX  I sent dispute on XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX  and {$520.00} XXXX XXXX XXXX XXXX XXXX I sent dispute on XX/XX/XXXX andXX/XX/XXXXand XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXXXXXX XXXX  Experian I sent dispute onXX/XX/XXXX andXX/XX/XXXX andXX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} 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
Consumer complaint received 2022-03-01
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:
Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: U.S. BANCORP
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a second mortgage through U.S. Bank that was originally for {$50000.00}. Below lists information regarding a chapter XXXX bankruptcy that we filed. 

XXXX XXXX XXXX and XXXX XXXX Case type : bk Chapter : XXXX Asset : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Date filed : XX/XX/XXXX Date of last filing : XX/XX/XXXX Debtor discharged : XX/XX/XXXX Joint debtor discharged : XX/XX/XXXX Date terminated : XX/XX/XXXX During and after our bankruptcy we have not received any statements or notices stating what our monthly charge is supposed to be. To avoid any problems with our mortgage we paid monthly through our bank account what we were originally told to pay. Over the years we somehow accumulated over {$6000.00} in charges and/or fees. Apparently, with us having a variable interest loan, our monthly payments fluctuated. This put us behind which put us into a perpetual fee cycle. Maybe 3 or 4 times I received mail notice that we were behind on payments. Each time I tried to figure things out on the phone to what was happening and how to remedy the issue. US Bank continues to refuse to provide a statement. Online where I am able to access my account, which i wasn't able to do for years, my account does not state my monthly charge. Instead, it states how much I owe overall due to fees and other charges. When I call US Bank, I'm told that I don't have to pay the large amount but just need to pay the minimum that does not include fees and charges. I let them know that I'll have to call every month if I want to know what is owed each month and to please fix it so that I know what's owed monthly. I've also asked to have charges and fees waived since for years I was accruing charges month after month without ever knowing it was happening. Each time I called previously, I had thought the issue was fixed. It wasn't until I could actually see my account online about 6 months ago that I could see that US Bank had added onto my original account of {$50000.00}. I have lived in my house for almost 10 years now and instead of paying down my loan I owe more than when I first got the loan. 

I had thought that bankruptcy laws protected the consumer from such things happening.

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 2017-04-06
Company: VIRTUOSO SOURCING GROUP, LLC.
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 is not mine

Complaint:
The debt reported does not belong to me. The debt belongs to a business in which I have never been a manager or owner and can in no way be held liable for such debt nor should it affect my credit report. 
XXXX XXXX XXXX has no responsibility over the debt of XXXX XXXX XXXX XXXX. My credit report and score should not contain collection accounts belonging to a business of which I am not an owner or manager and by no means responsible for its ' debt.

Company response to consumer: Closed
Consumer complaint received 2021-09-11
Company: EQUIFAX, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
Please help. I have always paid my bills including my mortgage, car loans, and credit cards as agreed and on time. I stay within my monthly budget. I have a good stable job with the XXXX XXXX. 
My complaint is about XXXX 's credit score and monitoring system is in need of a major overhaul! The system is punitive and disproptionatly calculates a consumer 's credit score that results in a negative score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After exercising my rights under the FCRA Fair Credit Reporting Act, and countless letters sent certified mail via USPS, XXXX, XXXX  and XXXX  have failed to properly validate and verify collection activity on my account. XXXX, XXXX, and XXXX  were advised of additional accounts reported by Healthcare collections. I have further disputed that one account made by Healthcare collections is outside of statue of limitations within my state ; original balance reported XX/XX/XXXX that is still being reported against me which is against the law. Other accounts are also being reported by Healthcare Collections have also not been validated or verified. I have disputed several accounts reported by Healthcare collections on XX/XX/XXXX and XX/XX/XXXX via certified mail with XXXX that I have carefully kept record of and no response has been the result of this request for validation. I have yet to receive any documentation bearing my signature showing any form of legal binding or contractual obligation to Healthcare collections debt collector. After being unsuccessful with Healthcare Collections dispute, I have formally requested XXXX, XXXX  and XXXX  on XX/XX/XXXX to further manually validate and investigate the accounts, in which they have simply updated as accurate without any further clarification on how this was completed. I have received no documentation on any records provided by the credit bureaus that also validate and verify the debt is accurate and mine. I need assistance with ensuring XXXX, XXXX, and XXXX  credit bureau comply with FCRA laws and ultimately remove any invalidated and unverified accounts from my credit report as soon as possible.

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 2022-02-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation