BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: CT
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 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 2019-06-26
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name and social security number got into the wrong hands through a contact of my son 's ( he is house bound and has several cyber contacts ). 

This was a scam and the perps. are using my info. to open and close accounts. 
I am working with my credit bureau - but they don't seem to have an answer as to how I can keep these people from opening and closing accounts in my name.

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 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/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 2023-11-24
Company: Uplift, Inc
State: IA
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 applied for a loan to buy ticket some time ago. I had 2 loans with this company and then it came to a time that I had to leave and visit my family back home in another country. Before leaving i made sure everything was paid. Unfortunately, I didn't know that the balance of XXXX usd left on this account was not paid before leaving. Whiles away, I never got an email or text message about any balance reminder or such. I got back only to find out that I owe XXXX usd on my credit file and so I went ahead and paid the balance. I have tried several times to contact Uplift to make the necessary correction on my credit file since I have made that payment but failed in contacting them. The number on their website is ( XXXX ) but it just a voice prompt and never transfer you to an actual agent to talk to. I also went ahead to file a dispute with XXXX but up till now no change or any information has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EdFinancial Services
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:
ED FINANCIAL SERVICES HAS DONE A WONDERFUL JOB SO FAR IN UPDATING MY CREDIT REPORT EACH MONTH ON MY PAYMENTS BUT RECENTLY I LOOKED AT MY CREDIT REPORT BACK IN XXXX AND I AM STILL MISSING SOME PAYMENTS ON MY ACCOUNT. I CALLED IN AND TALK TO REPRESENTIVE ABOUT IT AND I FELT I WAS GETTING THE RUN AROUND AND THE LAST TIME I DISPUTE ON LINE WITH THE CREDIT BUREAU MY CREDIT REPORT DIDNT GET UPDATE D CORRECTLY. SO I WANT TO MAKE SURE ALL OF MY PAYMENTS THAT I HAVE MADE ARE SEEN ON MY CREDIT REPORT. THE ISSUE I AM HAVING IS WITH MY XXXX CREDIT REPORT. MY XXXX AND MY XXXX XXXX CREDIT REPORTS ARE UPDATED CORRECTLY. I HAVE ENCLOSED A COPY OF MY STUDENT LOAN ACCOUNT THAT SHOWS MY PAYMENT HISTORY AND MY CREDIT REPORT. THE DATES THAT ARE IN QUESTION ARE AS FOLLOW IN XXXX XXXX AND XXXX. I MADE A PAYMENT FOR THOSE MONTHS AND ON MY CREDIT REPORT IT SHOWS A NR FOR NO REPORTING OR NO PAYMENT. THAT INCORRECT, THAT NEEDS TO BE UPDATED CORRECTLY AS SHOWING PAID AS AGREE FOR THOSE MONTHS .SECOND MY CREDIT REPORT ON THE MONTHS ON MY EARLIER DISPUTE WAS NEVER UPDATED ON MY XXXX   CREDIT REPORT. I AWHILE AGO I WAS WONDERING WHY WOULD THERE BE SHOWING A NR FOR NO REPORTING ON MY XXXX  CREDIT REPORT BUT THOSE MONTH I HAVE MADE A PAYMENT. I MADE A PAYMENT ON THE MONTH IN QUESTION XXXX OF XXXX XXXX OF XXXX XXXX OF XXXX, XXXX, XXXX, AND XXXX OF XXXX WHICH SHOWS A NR ON MY CREDIT REPORT ON MY PAYMENT HISTORY WHICH NEEDS TO BE UPDATED SHOWING PAYED AS AGREED, SO I AM MISSING 8 MONTHS OF PAYMENTS ON THIS ACCOUNT ON MY PAYMENT HISTORY. SECOND ON THE ACCOUNT ED FINANCIAL XXXX I WAS LATE ON XXXX OF XXXX WHEN WOULD THIS COME OFF MY CREDIT REPORT TO PUSH THIS ACCOUNT INTO POSITIVE ONE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Michigan Mutual, Inc.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home almost two years ago now. My payment amount has fluctuated due to escrow changes, but in XXXX, my escrow amount increased by almost {$200.00} more per month than it has been in the past ( prior monthly payment amount was {$700.00} and in XXXX it was {$890.00} ). My actual taxes owed for the year is a total of {$1200.00} and homeowners insurance is {$680.00}, for a total for the year of {$1900.00}. The mortgage company is charging me {$3700.00} for the year ( based on the {$300.00} per month shown on my statements ), which is more than the 1/6th total allowed by section 6 of the RESPA. 
In contacting the mortgage company, I was told they had made a mistake in estimating my property value, and that as long as I sent in copies of my property tax statements, they would fix it immediately. These statements have now been sent in multiple times by myself via email, fax and now certified letter, and by the township treasurer where I reside. I have also called almost half of every business day in both XXXX and XXXX, and answered calls from their collections department when they have called me. The individuals in the collections department have either mimicked me when I have answered ( I always answer with " hello? '' and one individual has just repeated me without saying anything else ), or they just sit in silence instead of responding. It has now been 4 months and my account still has not been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I recently was made aware of the following after I pulled my credit reports XX/XX/XXXX and realized I had identity theft again I reported it to all credit reporting agencies on XX/XX/XXXX And prior in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After researching to identify my thieves I received some documents from the city. Of XXXX XXXX XXXX clerk XXXX XXXX from the deeds and it had recorded the following loans paid off in XXXX Jpmorgan chase Manhatten loan for XXXX And two loans paid off at closing Trustees XXXX XXXX XXXX XXXX XXXX XXXX And a second loan paid off at closing Trustees XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE these loans I have requested certified copies of all of these loans and transaction info Where and who received these loan monies dates Name of their bank The deed to this property was transferred to me in XX/XX/XXXX- via divorce settlement. 
No response from Jpmorgan chase Manhatten Also I believe that there were additional loans thru Jpmorgan chase. Without my consent On my properties at XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi I'm XXXX XXXX, I was have insurance with the general insurance and im never receive any mailing to know how I pay and after that they send it in XXXX XXXX, I need to dispute with them the account number XXXX and apologize thank you my phone number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am unsure. The account has been paid on time from the time it has been opened. Last year the balance was lower to XXXX when I run into some financial issues. I tied to place an order and the card was declined. I was not sent noticed why or that the account had been closed.

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 2018-02-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XXXX XXXX, XXXX, I signed up for a {$1.00} trial of CreditCheckTotal. I had used them for a number of months in XXXX. 

I pulled my credit report immediately, successfully, and I then attempted a cancellation. I called, but was told it would be a 3 hour wait. I hung up. 

I called the next day, XXXX XXXX, and was told it'd be a 3 hour wait. I hung up and replied in their welcome email this message : " I requested to end my trial after signing up. Please let me know if it's been done. Thank you. '' No reply came. 

I realized I'd assumed a lot in my last message, so I called again on XXXX XXXX, finding out I'd be on hold again. I replied ( in the same welcome email ) : Please cancel my CCT account. Thank you. I called your 800 number, but was told it'd be a 2 hour hold. 
Please cancel my membership. '' I forgot about it. 

Today, Tuesday, XX/XX/XXXX, they charged me {$29.00} since my account was not cancelled. 

This is wrong. They say they won't refund any fees, but also will not respond to requests for cancellation unless one stays on hold for hours to speak to a sales rep. This is highly immoral. It's thievery.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: PA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt still remains unverified, and Convergent Outsourcing is still reporting as validated debt to credit bureaus.

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 2021-08-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo home mortgage predatory lending acts unfair and deceptive tactics to collect on mortgage loans and balances. 

Back in 2011 I applied for a modification too lower interest rate I was not behind on my payments at all wells fargo took it upon themselves too place a HUD second for a very large amount on my home which I would have been buying my house all over again. after paying the balance down a large amount, I had know idea of this. Documents have payoff instructions too send a large lump sum of my Equity to a XXXX XXXX XXXX XXXX  XXXX which is a third party collection agency which I've have never signed any agreements with or even heard of. 
Wells Fargo home mortgage is under financial fire with congress right now for these deceptive illegal tactics to collect on mortgage balances from consumers I'm asking for CFPB assistance too refund every XXXX that was taken from me. 
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 2020-02-09
Company: CITIBANK, N.A.
State: OH
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:
Despite submitting factual materials, Citi suppressed this evidence and allowed the merchant to get the money I was fraudulently charged thereby letting the merchant get away with a scam perpetrated on me.

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 2020-12-15
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: Information belongs to someone else

Complaint:
This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.

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 2020-10-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate as unknown things on my credit report. To this day, over 39 days later, I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 39 days so they should be promptly deleted. I demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and XXXX data breach and may have got into the hands of the wrong person.

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 2023-11-24
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was hacked and I informed chime of this and they denied my claim without real evidence while not adhering to regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My current address is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OK XXXX. I have updated my address with BMO Harris Bank around XX/XX/XXXX. 
BMO Harris Bank XXXX XXXX. XXXX XXXX XXXX XXXX, Illinois XXXX Phone XXXX XXXX XXXX XXXX Initially they updated it to : XXXX XXXX XXXX XXXX XXXX  OK XXXX Then they updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX. This time the XXXX XXXX is missing. 

I am not receiving my monthly statements since XX/XX/XXXX. I also did not receive my 1099 for XXXX. 
I called so many times and spoke with XXXX, XXXX and XXXX but the problem is not fixed.

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 2020-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good afternoon I'm writing in reference to a closed account on my credit report from Capital One. I am a victim of identity Theft and I disputed the said account with all three bureaus and XX/XX/XXXX is the only bureau who has still not removed. I've disputed this account four months ago, and I'm assuming thatXX/XX/XXXX refuses to remove it, now I am coming to you all to help resolve this problem. What would be a fair resolution to this issue, I want this removed from my credit report.

Company response to consumer: Closed with non-monetary relief