BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX, an amount of {$72.00} was posted on my credit card from a merchant called " XXXX XXXX ''. I contacted my bank and explained to them that service has never been provided by the merchant and I disputed the charges. The transaction was made online and the merchant should issue a voucher but no voucher has ever been received from the merchant. I contacted my bank multiple times but they seem not to take appropriate actions regarding this fraudulent charge. 
XXXX is an online marketing website which give discount for some businesses and when you made a business transaction with them, they issue you a voucher that you take to the business to get admitted. For my case, I booked a basketball game event through XXXX but they never issue me a voucher for the event. So I wasn't allow to attend the basketball game event that I paid for through XXXX because they failed to provide me with the service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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
Consumer complaint received 2021-07-20
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 sent a letter to Transunion on XX/XX/2021 regarding fraudulent inquiries. According to XXXX5 USC 1681c-2 they have refused to block this information from my report within 4 business days of the receipt of my identity theft report. Transunion is also violating 15 USC 6801 as they are violating my privacy and causing substantial harm and inconvenience to me as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: LEXISNEXIS
State: WI
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. I'm writing you because I'm having some trouble with XXXX with false reporting on my credit report. I have investigated several times and they keep saying the courts is telling a lie. Please help me resolve this. I filed a complaint with you all one because and I would like to know if you all checks into as well. my complaint was # XXXX that was my old one and nothing got done and it's still a lie. So, with this one i hope that i can get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX contacted me that a card applied for can not be approved because Equifax does not have my SSN on file. I contacted Equifax who said I should send my SSN card. When I did they rejected it because it has can only work with XXXX  authorization they refused to use it to add this to my file even when this card was issued to me as a XXXX. 
I need my file to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth 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 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 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 non-monetary relief
Consumer complaint received 2020-02-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Last year I attempted to refinance my wife 's student loan through Citizen 's Bank after receiving a letter from them. The events that followed were quite disgusting and resulted in a CFPB complaint in which Citizens Bank admitted full guilt of placing my wife and myself into a program they were AWARE WE WERE NOT qualified for. They did this just to get us the advertised rate and to attempt to AVOID a CFPB complaint. My wife and I were over-qualified for the advertised rate - but unable to get that rate when applying over the phone. After Citizens Bank put us into a program we didn't qualify for ( without us being aware of this ) to get us the advertised rate - we were approved. When I received the approval letter there were some " blanket statements '' that nobody ( including people in the Office of the Chairman ) were able to explain - specifically charges that I might incur after accepting the loan. That when I decided to submit a CFPB complaint against Citizens Bank last year - which ultimately led to a TOTAL REVEAL AND ADMISSION OF GUILT in their response that they wanted to avoid a complaint to begin with and knew during the underwriting process that they were signing us up for a loan we did not qualify for. At that point I contacted XXXX XXXX and got the rate that Citizens Bank advertised to me - without a problem. To this day, I've been struggling with Citizens Bank to remove the hard inquiry from my XXXX. They've said they have submitted paperwork to remove it, but I've contacted XXXX and they've informed me that they have not received anything. I've been in constant contact with XXXX ( Office of the Chairman ) XXXX since shortly after the original credit hard inquiry on XX/XX/2019. At this point, the inquiry is still on my credit and is one of the only things tarnishing it. It should be REMOVED DUE TO FRAUDULENT BANKING ACTIVITIES which has already been PROVEN IN THE PREVIOUS CFPB COMPLAINT. Yet, Citizens Bank at this time has stopped cooperating and communicating with me. This is my last official attempt prior to civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, Wells Fargo called to speak to my father. I told them that my father was in the hospital and my mother ( joint on the account ) was available. I was told that without a power of attorney on file the bank could not speak to my mother. My mother received notification that the account had been suspended due to suspicious activity. My mother and I brought a power of attorney document to the Wells Fargo local branch. This document was reviewed by legal and found to be valid. A notary arrived and verified my mother 's identity. The documents were uploaded into Wells Fargo 's system. We were told that we could not do anything further until the documents were " in the system '' and that this might take two business days. My sister called the number we were given ( XXXX ) approximately XXXX XXXX on XX/XX/2023 and was told that they could not speak with her, as she was not on the power of attorney. At XXXX on XX/XX/2023, I called the same number, as I am on the power of attorney. I was told that no power of attorney was in the system and that I should call back later. I called back at XXXX and was again told that no power of attorney was in the system. I asked if we would be notified when the power of attorney was in the system and I was told that we would not be. I called again at XXXX on XX/XX/2023 and was again told that there was no record of a power of attorney in the system. The account can not be used, and we have only been told that it can take time for the power of attorney to be uploaded into the system.

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 2023-03-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX was asked to correct my name on XXXX. As well as allow my credit report to pull to ger a XXXX XXXX a home. XXXX combined one of middle names and my last name together. It stopped me from buying a home. XXXX ask me to send my Drivers License ( A Real I.D was provided and a copy of my Social Security Card which I did via fax to XXXX. I received a notice that XXXX on XXXX had closed the dispute. Their reason was as follows : Please see attached Documentation. 

Experian has no way to speak to anyone at all. They will also not allow my mortgage company to pull my report. They stated to mortgage lender that I have no credit file at all. The only two options they provide are hang up or self-service. The Self service from does not allow me a resolution at all. 

XXXX however was very easy to work with if you pay for their monthly service of course.

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 2020-02-05
Company: Experian Information Solutions Inc.
State: UT
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:
Affirm # XXXX is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.

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 2023-02-24
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 is missing that should be on the report

Complaint:
Following information not being reported properly with credit reporting agencies ; high balance, closed date & credit limit. 

Also ; In accordance to Fair Credit Reporting act Company, rights have been violated my rights. 15 U.S.C 1681 sect 602 A ( right to privacy ) & 604 A- consumer reporting agency can not furnish a account without my written instructions.

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 2021-02-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested my home mortgage be place in coivid forbearance in XXXX of 2020. In XXXX I reached out to Citizens One asking them to cease the forbearance and add the missed payments to the end of the lifetime of my loan and have my normal payments resume in XXXX. 

They told me it would take 45 days to process this request ( while my other back took 2 days ). I called back after 30 days and it was still processing. At 45 days it was still processing. At 60 days it was still processing. It took THREE months in total for them to approve the shifting of the payments to the end of the loan.

In the meantime I was being told I had to stay in forbearance or they threatened to report the missed payments to my credit, thus I could not resume normal payments. Even if I wanted to pay the mortgage-I was being threatened not to. 

On XXXX, five months after my initial request to end my forbearance, I was approved to defer the remaining payments to the end of the loan. 

I made my XXXX payment only to find that they applied it to the previous XXXX instead of XXXX. When I called to correct this and ask why my balance still showed as owing all the back payments, they informed me it would take several months for the " back end team '' to bring my statement up to date-thus DESTROYING my ability to apply for car loans, refinancing, credit cards, given it appears Im {$6500.00} behind on my mortgage.

Im still being told Im in " forbearance ''.

Based on their dates I now will have in total been forced into six months on UNREQUESTED, THREATENED forbearance I never needed or wanted. 

I do not understand the fraudulent, nefarious reasons for these delays by citizens one, but it is NOT in alignment with the intent of the COVID relief act and appears to be putting tens of thousands of borrowers like myself into potential financial jeopardy. 

I would like my account to be immediately set to the correct balance under the terms of their deferment plan and I would like all forbearance to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Diversified Adjustment Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XXXX, 2019, I have been asking this company for information verifying this debt, but all I keep receiving is a billing statement with phone numbers that I do not own. There are no verifying documentation given. The credit bureaus keep stating that the account has been verified, but I'm confused because I've gotten nothing from the creditor to verify this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2018-12-27
Company: Experian Information Solutions Inc.
State: TX
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 pulled my credit Report this morning, and there are several inquiries that do not belong to me. Please remove these unauthorized inquiries from my report. 

EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry :  XXXX XXXX, XXXX XXXX XXXX DBA XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : 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 2020-01-17
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: Information belongs to someone else

Complaint:
I dont recognize these debts, somebody stole my personal information and applied for these. However I have not had any accounts with this companies.

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 2022-02-25
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we refinancied our mortgage with Quicken Loans/Rocket Mortgage after they contacted us about how much we could save per month due to the lowering of interest rates. They projected that we would be saving approximately XXXX XXXXXXXX from our current payment. We decided this savings was worth losing a year on our mortgage and went through with it. In XX/XX/XXXX we were told that there was a {$3000.00} shortage in our escrow account and that our mortgage payment would be increasing XXXX XXXX due to this shortage, bringing us right back to where we began a year ago. Now, we're out the closing costs and the year of payments from doing the streamline mortgage and our payments are right back where they were before we refinanced. The resons I am given for the XXXX shortage are not adding up. There has been no increase in our property taxes or homeowners insurance. I feel that I was presented with this great savings so that I would go through with the refinance and now, a year later, I'm being told that my mortgage payments will return to where they were before I refinanced, something that I had no longer budgeted for or expected with no change to anything that would cause such a signifigant increase. I feel that this is a shady business practice to get customers to refinance and then a year later put them right back where they were after they are now already paying longer on their mortgages, are out closing costs, and are no longer budgeting for this significant increase.

Company response to consumer: Closed with explanation