BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: TX
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:
Experian REPORTING THE ERROR XXXX XXXX XXXX XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

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 2023-05-11
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
t is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: LEXISNEXIS
State: AL
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:
Lexis Nexis have obtained my Bankruptcy from XXXX, a database unethically because I was not informed. I was an uninformed consumer during this Transaction. You obtained my non-public personal information, then sold my non- public personal information to the Credit Reporting Agencies . I never gave you written consent to collect nor furnish my information in regards to my bankruptcy to the Credit Reporting Agencies. You are in violation of the FCRA law and Defaming my character. The Bankruptcy on my file in the public record section is affecting my livelihood and my character and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MA
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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: Account status incorrect

Complaint:
I went to a trade school in XX/XX/XXXX the school was called XXXX XXXX XXXX  XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XX/XX/XXXX and in XX/XX/XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XX/XX/XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.

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 2018-08-17
Company: Seterus, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are reaching out again hoping you can step in and help us save our home. My husband and I fell behind on our mortgage payments when my husband became very ill. As I stated in my first letter, he was struggling with XXXX and started also suffering from XXXX XXXX due to XXXX XXXXXXXX. His health continued to deteriorate and he was no longer able to work. 

I've been fighting an uphill battle to work with my bank to get back on track. I fill out, collect and send in paperwork over and over because it somehow gets lost. I would receive letters in the mail, but every single time I tried to reach someone on the phone, Id be on hold forever and never reach anyone. I'd be directed to the website for forms, but the link would be broken ( and still is ). 

My heart broke again today when I called and was told we weren't approved because I didn't make enough money. One representative told me I could appeal if i could show we have additional money coming in. I tried to find a form for this, called back and the next person spoke to, XXXX, told me there was no such thing as an appeal and they were taking my house in less than 30 days.

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 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DATE : XXXX/XXXX/XXXX contacted TransUnion for a credit freeze. Talked to XXXX. 
ISSUE/COMPLAINT : TransUnion will not do a credit freeze, unless I send them a copy of my social security ( SS ) card ( via mail/fax ). However, this was not due to TransUnion questioning who I was because during this same call they did other actions for me regarding my information, just refused to do a credit freeze. 

BACKGROUND : Because of the XXXX security breach - my husband and I began the process of putting a freeze on our information with all 3 credit rating companies. My husband 's security freezes all went through. Mine went through with XXXX and XXXX. However, TransUnion will not freeze my account until I send them a hard copy of my social security card. They DID however ( in that same phone call ) put a 'fraud alert ' on the account and changed some information for me that was not accurate ( deleted a name listed that was incorrect ). My complaint is that TransUnion is refusing to do a credit freeze until I send a copy of my SS card : 1 ) I do n't want to send a copy of my SS card info through the mail or via fax, not safe. And, as the recent security breach shows, these companies can not keep my information safe. 2 ) Why should I pay for special handling so they can have a copy? 3 ) they already know my SS #, I had to provide it when I was attempting to do the freeze. Since they already have my SS #, why do they need a hard copy? 4 ) TransUnion did not provide a good clear understandable reason as to why they need this copy of my SS card-they just got irritated when asked this question. The only reason they provided was it was necessary " to update correct information '' ... however ( as I said above ) they already have this information ( my SS # ).
How can a credit rating company refuse to freeze your information until you send a copy of your SS card? I am simply trying to be a proactive consumer and protect myself from the vulnerability that the credit rating industry has potentially placed me in ( e.g., XXXX security breach ). However, the credit rating  industry is making it difficult for me to protect my information by making demands before they will take protective actions and they are not providing a good strong reason for their demands.

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 2023-05-11
Company: EQUIFAX, INC.
State: MI
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:
Recently checked my credit file and my XXXX XXXX and discovered several new alarming things. 1st a new collection was added to 2 credit reporting agency reports that I have never heard of for an XXXX XXXX XXXX account that I never opened. Next there are dozens of random inquiries on my credit file with XXXX XXXX, Equifax and XXXX. 
XXXX and XXXX XXXX have Fraud warning on my reports that I need to be contacted and I was not in regards to these inquiries. 
Next I went to open a new checking account and discovered that all the same places that were on XXXX XXXX, Equifax and XXXX were on my XXXX XXXX and I wasn't looking for any banking account needs until XX/XX/XXXX. All the other activites have been outside that date several XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} that I have reported to the police and is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2023, I filed unemployment after not receiving employment for a considerable time. I informed Affirm on XX/XX/XXXX, that I had previously filed unemployment, and was waiting for it to be processed. I made it clear that since I had XXXX income, I wouldn't be able to even make a partial payment until I receive unemployment funds. I have continued to receive numerous emails, and even messages from a debt collector with my account only being a month late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: IL
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The Capitol One mobile app processed 2 duplicate payments today on the due date ( in error ), and the company told by phone that the extra payments would be refunded in 5 days. I want my money refunded immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I purchased a resort deal for a total of {$2000.00}. I decided to dispute with the bank on the same day that I received my cancelation email and the bank gave me a provisional credit of the same monies. The past week on XX/XX/XXXX, the funds were reversed and I was charged that {$2000.00}. I called on XX/XX/XXXX and spoke to XXXX from XXXX XXXXXXXX who was able to reopen the case and I uploaded documentation supporting my claim. I then called today XX/XX/XXXX where another specialist said my case had been closed on XX/XX/XXXX because it was the last day to upload supporting documentation. I uploaded the documentation on XX/XX/XXXX which should count for the last day. I was clearly in the right as a client of USAA. I would like all my disputes to be reopened sinceI uploaded documents via mobile app and USAA claims they do not see them then close the case. Please help me get a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: BANK OF THE WEST
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, my Fiancee applied for a mortgage to buy a house. He was NEVER asked if he was a veteran ( he is ). He was given a pre-approval letter for an FHA loan. He made an offer on a FOR SALE BY OWNER house. He gave the seller {$5000.00} cash and got a receipt. The loan officer then informed us that XXXX needed to have XXXX in his account. I gave him cash, so then we had to wait for 3 months so the deposit was off his statements. That was XX/XX/XXXX. Then we submitted all the requested forms and jumped through all hoops. Then the appraisal came in. There were many things that needed to be fixed, pipes had burst, new wiring, new panel, new furnace, new water heater. I spent XXXX fixing it up. It also took about 2 months to have everything done. That was XXXX, we were supposed to close XX/XX/XXXX. Then the loan officer kept telling us different amounts for the closing costs, first it was XXXX, then it was XXXX then it was XXXX. I then spoke to her boss, within five minutes he asked if fiancee was a Veteran. I said yes, so after seven months we changed to a VA loan, jumped through hoops had to have ANOTHER appraisal, fixed a couple of things, then passed appraisal. He stated closing costs would not be more than XXXX. Then loan officer tells me one day the closing costs will be XXXX, then the next day she stated we need XXXX. Loan officer aid after it passes the appraisal we can close. She got the appraisal results. Now after 6 weeks of waiting she tells me yesterday XXXX needs his XXXX. She should have told us that 6 weeks ago. Then I ask about a closing date. She won't give me one. We are VERY FRUSTRATED with this bank ( BANK of the WEST ). I asked for a new loan officer, she said her boss will call me SOMETIME today.

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 2023-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you correct this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Nelnet, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Department of Education/Nelnet is reporting account inaccuracies across consumer 's XXXX, XXXX, and XXXX consumer reports. XXXX report shows that the account is paid as agreed and never late but XXXX and XXXX is showing that the account has been late for 90 days. Also, 20 U.S. Code 1232g ( B ) does not include credit reporting agencies access to a person 's educational record without consent. I never gave Nelnet, XXXX, XXXX, and XXXX written consent to furnish information regarding my educational record, let alone inaccurate/adverse information. 15 U.S. Code 1681c states no adverse information reporting on my consumer report. I am demanding the account and transaction information to be removed immediately from my consumer report. 15 U.S. Code 1681a ( 2 ) states transactions of an account is excluded from the consumer report. DEPT OF ED / NELNETXXXX NELNET, INC. COMMISSION FILE NUMBER XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX XXXX Attn :  Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

The 30-day late payment being reported by XXXX XXXX XXXX is inaccurate because I have never paid 30 days late. 

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX. I made timely payments to XXXX XXXX XXXX beginning XX/XX/XXXX through XX/XX/XXXX, and have never paid 30 days late. After making 12 timely payments on the XXXX XXXX XXXX XXXX, I upgraded to a XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX of XXXX on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, on XX/XX/XXXX. I spoke with XXXX, a representative at XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. Customer Service Call Center, regarding the 30-daXXXX late payment being reported on my credit file by XXXX XXXX XXXX. 

She advised me that they were reporting the 30-day late payment accurately. I advised her of the new car purchase on XX/XX/XXXX, and XXXX XXXX XXXX of XXXX had paid off the XXXX XXXX XXXX XXXX. She then stated that according to their records, a check was received from XXXX XXXX XXXX of XXXX on XX/XX/XXXX, to pay off the XXXX XXXX XXXX XXXX. She advised me to dispute this matter with the credit bureaus. 

Below is the account information on the XXXX XXXX XXXX XXXX : Account # XXXX Purchase Date - XX/XX/XXXX XXXX XXXX XXXX XXXX VIN # XXXX Lienholder VT XXXX XXXX XXXX I am submitting a letter from XXXX XXXX XXXX of XXXX as proof acknowledging they are fully responsible for the 30-day late pay off and not me. Therefore, XXXX XXXX XXXX should no longer report this inaccurate information to Experian. 

Please correct this accounts inaccurate, negative status of 30 days late, to a positive status such as Pays as Agreed, immediately and send me an updated copy of my credit report reflecting this correction. 

Sincerely, Enclosures : Copy of credit report Letter from XXXX XXXX XXXX of 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 2023-07-22
Company: JPMORGAN CHASE & CO.
State: FL
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:
Booked {$130.00} for hotel XX/XX/XXXX for one night stay in XXXX, XXXX via XXXX. Upon checkin late night on XX/XX/XXXX, we came to discover the hotel was ambushed by rioting gangs who were harassing lobby guests through the windows. Hotel stated this was the XXXX night of riots and never notified, cancelled or rebooked to another hotel or facility. Upon arrival, the front door was kept locked and toweled at the bottom to prevent tear gas from coming, albeit unsuccessfully. Smoke was omnipresent in hallways and rooms, including our room. Leaving the hotel amidst riots was not a viable option. We asked the receptionist to turn the AC on so that we can vent some of the smell out : he told us he didn't know how to turn on the AC. Around XXXX XXXX in the morning, the fire alarm came on due to excessive smoke. All guests were evacuated down to the lobby. Fire alarm was deactivated without calling the fire department or checking the area of the hotel that triggered the fire alarm. If an actual fire happened later, we would have been burnt alive in our sleep, because the alarm system was kept off for the rest of the night. Hotel clearly chose revenue over safety during the week of the riots, and knowingly kept accepting reservations inside its toxic smoke-filled rooms. The following morning, the manager was sympathetic but relentless in giving up not even a penny of refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Upon receiving credit card ( AAdvantage Aviator Master Card ), I did not agree with the terms and conditions outlined in the information provided with the card. I decided NOT to activate the account by phone nor online. The account was never used and the credit card company subsequently placed a charge on the account that I never activated. I spoke with customer service who agreed the charges were erroneous against an inactive account and that they were removing charges and fees and ensured me the account was not active and would be closed completely with a XXXX balance on XX/XX/XXXX. I subsequently received several emails that this fraudulently active account was past due on XX/XX/XXXX, XXXX, and XXXX, XXXX. I called customer service back on XX/XX/XXXX regarding supposed inactive account and they indicated a mistake had been made and they would rectify it within XXXX to XXXX business days but would not email me verification of XXXX balance and closure of the account that I never activated. I'd like to make sure this fraudulently activated account is closed with no negative impacts to my excellent credit and that other consumers are aware of their dishonest business 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 monetary relief