BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This issue cause my credit to take a dive with XXXX  transactions. I could not understand why my score was so low. I just paid of a home through a sell. XXXX is causing my stress and grief with purchasing a place to live. They reported incorrect information of 30 and 60 day late payment for the month of XXXX was not received. I provided the proof they needed and my credit file has jet to be corrected. Last status is its being worked. I have not received any notification of the process. I missed only the month of XXXX, and paid what I though was XXXX on time but was for XXXX all cleared up in XXXX. I continue to suffer having received 30 day late in XX/XX/2019. I've since contacted my banking institution and provided the transaction trace number for them to verify and correct my account and Credit ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In response to my previous complaint number XXXX I have attached a copy of the adverse action letter sent to me by Wells Fargo as well as my response and demand to that adverse action letter as a result of the discrimination and damage caused to me in the form of {$100000.00}.

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 2023-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My " Serve " them that I had received a referral from a Third party  which resulted in me being awarded the account, but that made no difference. 
I informed them that I had previously enjoyed the type of consideration which I was then requesting on the same account, to no avail. 
I finally informed Customer service that my " Serve " account was linked to my XXXX XXXX account without success The closing created a detriment to my XXXX XXXX  account. 
I mailed a letter by Certified mail to this affect to American Express Customer Relations Team in XXXX XXXX XXXX back on XX/XX/18 and they have issued no response, Notwithstanding the fact that my account was closed without any prior notice to me through mailings or through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Im XXXX of 2021 my phone, wallet and my rental car were stolen. I made cash app aware of what was happening as soon as I found out they sent {$250.00} to someone from my phone. I sent them the police report. They still insist that it was of my own doing,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this debt is not mine I need it to be removed

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 2019-11-05
Company: BYL Collection Services
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:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX, XXXX  XXXX, BYL Collections, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX 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 explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: AR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to dispute some items off my credit report with Equifax and I am unable to do so. Their website will not allow ANY disputes to go through. Specifically, I am unable to dispute anything on my credit report and there are items on my credit report that should not be there. For one, XXXX XXXX. There are others however, I am not able to see them nor dispute them. Please see my original complaint I submitted last week below. THIS IS A NEW DISPUTE not an existing one. I need a copy of my report and I need to be ABLE TO DISPUTE incorrect items off. 
XXXX Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has received the payoff - were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX, XXXX  and Equifax as well.  They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit report with Equifax. There are also other items on Equifax report that I need to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: LEXISNEXIS
State: VA
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:
This is in response to LexisNexis 's written response dated XX/XX/XXXX to my previous dispute for Case No. XXXX regarding judgment number XXXX which I just received the updated report dated XX/XX/XXXX showing the items suppressed and removed from my report for LexisNexis 's Case Number XXXX. 

This dispute follow up is specifically regarding the LexisNexis 's letter ( page 3 - 3rd paragraph from the bottom ) where LexisNexis specifically asserts the following " When information is removed or deleted from the  consumer reports provided by LexisNexis pursuant tour FCRA responsibilities our internal nomenclature is to indicate that the records were suppressed because consumers do not necessarily have the right to have the record removed or deleted from non-FCRA reports XXXX as bulk records used by other consumer reporting agencies. The effect of suppression of record from consumer reports is the same as the delete or removal referenced in the FCRA. '' Please note that the Judgment number XXXX that was entered against me ( without my knowledge ) by XXXX XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXwas set aside by the court on XX/XX/XXXX after I filed a Motion For this to be done since I was an improper party to the suit and subsequently the Plaintiff requested the court to nonsuit the matter onXX/XX/XXXX,  which completely removed and dismissed the suit that was erroneously entered on XX/XX/XXXX and no longer exists. 

Therefore, I am demanding again since this judgment number XXXX and now been dismissed I do have a right for not only this previous judgment not to be just be suppressed but I have the right for the judgment account to be completed deleted and removed from all Consumer databases and non-FCRA reports such as bulk records of LexisNexis and any other agencies that they have reporting this erroneous account/judgment record that has been dismissed by the courts. 

I further request that LexisNexis immediately removes this judgment account from all consumer databases and non-FCRA reports ( databases ) such as bulk records since I do have that right since this matter has been dismissed from the courts as ofXX/XX/XXXX 

I have included a copy of the printout from the court records and website that can easily be verified that the matter has been dismissed and LexisNexis does not have the right to report erroneous information on this account about me in consumer or non-FCRA reports or bulk records. 

Please provide me written confirmation that this account has been removed and deleted from all consumer reports of LexisNexis and non-FCRA ( bulk records ) of LexisNexis since the judgment XXXX has been dismissed onXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I checked my credit score XX/XX/XXXX and noticed a credit card account had been opened under my name with JP Morgan Chase Bank. I immediately notified XXXX and reported it as fraudulent and went to Chase bank and informed them as well. They closed the account and told me to make the report anyways. The strangest part was that the account was opened in XXXX, which is odd because I was born in XXXX. Along with this fraudulent account their were two addresses and a phone number that did not belong to me. I have made the dispute to remove the fake forms of personal identification. It should be stated that I have not had a credit card in the last 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
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: Information belongs to someone else

Complaint:
They have 2 auto loans on my credit report that I did not open, and I did not authorize. I have not had auto loans with them. I did their fraud packet, and jumped through all the hoops they told me to jump through. Now they just completely ignore me. This has to be addressed, and this has to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a copy of final loan documents via docusign on XX/XX/20. My loan was scheduled to close on XX/XX/20. When the notary got here, the loan amount had been reduced from XXXX to XXXX. The cash due to borrow had been reduced from approx XXXX to XXXX without any advance notice. 

The notary and I tried to call Citimortgage repeatedly to find out the cause of the change and were unable to reach anyone after calling XXXX XXXX, his manager, the loan processor XXXX. 

I did not sign the paperwork as have not received a final copy of closing which is required by law prior to the closing. 

I appreciate any help you can lend with understanding what has occurred and why. It has been approximately 7 months since I initiated the loan. I have responded timely to every request and don't understand what occurred that resulted in this last minute change without any prior notice.

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 2023-05-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

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 2023-01-03
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # NA has violated my rights. 

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

15 U.S.C. 1681 Section 604 A section 2 : Is also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions and crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX continues to furnish negative tradelines on credit file. Requested validation of signature and contest to contract. During time of tradeline, I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone I do not know hacked my computer and made fraudulent charges on my account and was made on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: MD
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 an inquiry on my credit report from XXXX XXXX that I did not authorize dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX my previous note holder sold my loan to Nationstar, and i had to call the Nationstar to let me know how to pay online or any other way to pay. The gentleman talk to me and asked me, if I wanted to pay over the phone. He did not inform me of any charges if I did so paid that date when I spoke to him. I received my second statement and found a charge of XXXX dollars under fees and charges. I called Nationstar and they informed me that it was for wire transfer when I paid. I think that was unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Unfortunately, TransUnion has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 

Upon reviewing my credit report, I have identified two instances of inaccurate information that require immediate correction. The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$10000.00} Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$100.00} I assert that the above accounts do not belong to me. Therefore, I kindly request that TransUnion promptly removes the accounts listed under numbers 1 and 2 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 non-monetary relief
Consumer complaint received 2019-06-05
Company: GREAT LAKES
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
They delay processing payments submitted by check/mail. When I called they told me that their " official policy '' is to handle all incoming payments " within a few days up to a couple weeks ''. This is unacceptable and results in me paying increased interest. I have to monitor it online and it could have resulted in missed payments if I didn't also make payments online. I believe that this is an ongoing, established practice to increase revenue and charge the borrowers more interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 it Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
This is my another 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 accounts 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 items : 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 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 explanation