BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  claims that the only way to get them a police report indicating fraud from my credit report is to use the USPS and mail it. I have already sent them a paper copy of the report, which was apparently lost in the mail with all of my credit information on it. They also claim that until the police report is received there is nothing else they are able to do. Am I going to have to take legal action to correct these? Thank you!

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 2020-10-28
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:
A XXXX XXXX XXXX collection # XXXX is reporting twice on my Experian credit report. I have submitted a dispute in the past which did not resolve this error by Experian. I need the duplicate account removed ASAP as now I can not close on my new home due to this error.

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 2023-04-27
Company: Experian Information Solutions 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:
I paid this account 7 years left and I still see this very negative report in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call multiple times a day, leaving threats about the debt owed. They say legal action will be taken. They have even called my parents several times and told them about the debt which is not legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, Equifax and XXXX. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit  bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The following companies ran unauthorized credit report on me. XXXX XXXX.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights

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 2022-05-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX & account # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

All XXXX XXXX accounts on all bureaus needs to be disputed and delete. 

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.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

All XXXX XXXX accounts on all bureaus needs to be disputed and delete. 

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.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is attempting collect an alleged debt of {$590.00} that is reporting onto my credit report and I have contacted them multiple times requesting debt validation. This company refuses to validate this alleged debt and it is still showing up on my credit report. 

On XX/XX/2020 I spoke with someone at XXXX XXXX  about the dispute letters that I have sent. I was told that they have my dispute letters yet The Bureaus has no media on file to validate the debt and that is why I have not heard anything back. They said they will send validation when they can find the documentation. 

How are they reporting onto my credit report and they have no media to validate the debt. I also updated my mailing address with them so that they can make sure that anything they send makes it to the correct address. It has been almost a month and a half and I have received nothing, yet they have not validated. 

I want this alleged debt removed from my credit report and my file closed in their offices!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
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 believe Im a VICTIM IDENTITY the person who stole my identity ACCUMULATE NUMEROUS FRAUDULENT CHARGES ON MULTIPLE DEBIT AND CREDIT ACCOUNTS OVER TIMESPAN WHILE BEING A LIVE IN GUEST AT THE FAMILYS HOME FROM MID XXXX XXXX Ive notified the police in reach out to the company in no action has Been taken

Company response to consumer: In progress
Consumer complaint received 2023-08-17
Company: STERLING JEWELERS, 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: Report provided to employer without your written authorization

Complaint:
Information reported on account is invalidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Today I tried to use my debt card. Citizens bank didn't allow me to withdraw the funds/make a payment. I would like to file a complain for Characters defamation damages, misconduct, and injunctive relief. Why! because they said I wasnt able to use my own card to purchase this particular product. The product receipt is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
REGIONS  LOANS  VS XXXX   FAMILY  :ON  XX/XX/2019  REGIONS  LOAN REFUSE TO FOLLOW THE REGULATIONS IN HOME LOANS   WE  PAY  ALL PRINCIPAL  AND  INTEREST  UNTIL XX/XX/2019 BUT  REGIONS  REFUSE  TO CANCEL  THE  PRE PAYMENT FOR  ESCROW  FROM  XX/XX/2019  LAST WEEK  THE  FILE  A NOTICE OF  LIES PENDENS  WITH OUT ANY  NOTIFICATON  OR HELP  .AGAIN  WE  PAY  ALL PRINCIPAL AND  INTREST PLUS  ESCROW  UNTIL  XX/XX/2019   -  WHY  REGIONS WANT  US  TO  LOSE THE  HOUSE  FOR  NOT  PRE PAYMENT  IN  THE NEW  ESCROW ACCOUNT  - WE  TALK TO  THE  INSURANCE  COMPANY AND  XXXX XXXX  TAX  AND THEY  OFFER A  BETTER PAYMENT PLAN   .PLEASE  INVESTIGATE WHAT HAPPEN !   REGIONS  VILOATE  ALL THIS  REGULATIONS  .Restricted Dual-Tracking: Dual-tracking – when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure – is restricted. The practice has hurt many consumers who thought they were working out a resolution with their banks and were shocked to learn of a scheduled foreclosure sale. Under the new rules:• Servicers must not start a foreclosure proceeding if an application is pending for a loan modification or other alternative to foreclosure.Early Notice When in Trouble: Servicers must include information about delinquency in a borrower’s monthly statement after the borrower misses two consecutive payments. This information must include the date the borrower became delinquent, the amount required to bring the loan current, and the risks of failing to do so.Notification of Foreclosure Alternatives: Servicers must reach out to borrowers who have missed two consecutive payments. Specifically:• Servicers must provide in the written notice examples of “loss mitigation” options, which may be available to avoid foreclosure. These options could include changing the interest rate, extending the terms of the loan, deferring or forgiving principal, or coming up with some other alternative payment plan.• Servicers must include information about housing counseling in the written 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 2023-01-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Were charged monthly fees when they shouldnt have been. Wells Fargo advertised no fees if a customer made 10 or more debit card purchases and/or payments in a month, but the bank limited the types of eligible payments and didnt count debit transactions that posted days later.

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 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 HAVE TRIED MORE THAN 3 TIMES TO DISPUTE AN INACCURATE CHAPTER XXXX BANKRUPTCY THAT IS ON MY TRANSUNION CREDIT PROFILE, I HAVE EVEN CONTACTED THIRD PARTY PUBLIC RECORDS REPORTING AGENCIES SUCH AS XXXX AND LXXXX XXXX AND NEITHER OF THEM WERE ABLE TO VERIFY THAT I HAVE A BANKRUPTCY, SO AFTER NOTIFIYING TRANSUNION THAT XXXX WAS NOT ABLE TO VERIFY THE CHAPTER XXXX BANKRUPTCY TRANSUNIONS NEXT CORRESPONDENCE ON HOW THEY VERIFIED THE CHAPTER XXXX BANKRUPTCY WAS THROUGH THE XXXX XXXX XXXX MICHIGAN ( XXXX XXXX XXXX XXXX, XXXX MI XXXX, ( XXXX ) I HAVE REACHED OUT TO THIS COURT AND THEY HAVE RESPONDED SAYING THEY DO NOT VERIFY ANYTHING WITH ANY CONSUMER REPORTING ANGENCIES, THIS CHAPTER XXXX BANKRUPTCY IS NOT REPORTING ON ANY OF MY OTHER CREDIT REPORTS, TRANSUNION STILL TO THIS DAY HAS NOT PROVIDED ME WITH THE SOURCE OF THEIR VERIFICATION, I HAVE ALSO INFORMED TRANSUNION THAT I AM A RECOVERING VICTIM OF IDENTITY THEFT AND STILL DONT KNOW ALL THE DETAILS OR ACCOUNTS ON HOW MY IDENTITY WAS MISUSED AND THAT THEY SHOULD THOROUGHLY INVESTIGATE MY DISPUTES OF INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT, I HAVE TRIED EVERYTHING I CAN POSSIBLY DO EXCEPT TAKE THIS MATTER TO A LAWYER WHICH SEEMS LIKE MY ONLY OPTION LEFT, PLEASE CPFB CAN YOU HELP ME WITH HOW TO GO ABOUT THIS IN A LEGAL MATTER BECAUSE THEY ARE NOT GIVING ME ANY INFORMATION ON THIS AND HOW AND WHO THEY ARE VERIFYING THIS INFORMATION WITH.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This information is incorrect in my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-11
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/23 received email about stating my phone # for Chime had been changed. 
Sent email back stating I did not have an account with them and did not want one. 
XX/XX/23 received a new email stating it would be closed. 
XX/XX/23 received XXXX Debit card in the mail, routing # XXXX account XXXX. 

I'm glad I received it and not someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Southwest Credit Systems, L.P.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit Systems Has been reporting every month only credit report, when I don't recall ever even having a XXXX account. I've never received any notification of Collection activity via Mail or never received notification that I may dispute this collection account. This collection is also reporting an inaccurate address. This is A violation of my rights as a consumer, and a violation of the FDCPA right to notice of debt. I am requesting Immediate removal for this account off my Credit report From all 3 Major Credit Reporting Bureaus XXXX, XXXX, and XXXX, and to cease All Debt Collection Activity! if not removed I will not hesitate to bring legal action against you for Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character. Failure to remove will also result in A complaint to the FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Clarity Services
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: Information belongs to someone else

Complaint:
XXXX XXXX other engineering company showing up pulling my credit with my permission please get this corrected they have been destroying my life hacking issues and other issues i filed to ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My wallet was stolen by a friend back in 2014 and she took it and wrote a fraudulent check of some sort on my behalf, I never heard from her ever since so chase closed my account even though I called and reported my card stolen once I saw some odd transactions and they still closed my account I called back to make amends and pay off the overdrawn account that was not my fault or doing and they said I would be able to open a chase account after I paid it off so I did because I would like to be a chase customer again. I went to a branch and opened an account twice and both times they were closed with no rhyme or reason. I am a full time XXXX student and full time worker and i would just like to be able to keep my chase account I applied for again recently and got a letter in the mail saying my account will be closed again. I would like to get an answer as to why I cant keep it open? Its for the secure checking account and I would really like to be a chase customer can someone please help me. I tried to do the right thing and paid off the balance in hopes I can open my account again and I dont think I should be held accountable for something that was a mistake I didnt want my wallet to get stolen even less from a friend who did that fraudulent act with my card. They can compare signatures and I never signed like that so why would they just not reject the check. Please someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: NC
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:
Inaccurate information, caused to go through identity theft. 
wrong addresses not associated with me as a person. 
Shared information without consent.

Company response to consumer: Closed with explanation