BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: TX
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 Equifax a dispute on XXXX XXXX regarding accounts that are reporting on my credit file as a violation. I asked them to send me proof that they had the right to report a lates payments on my file, and to send me the information that they can legally do this according to the FCRA. This is illegal. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account number an open-end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
US Bank is reporting three late payments stemming from XX/XX/XXXX until XX/XX/XXXX. During the time of the occurrences, I was unemployed and should have maintained a deferred status for the late payments but rather my credit score has taken a hit. I have contacted US Bank multiple times in reference to the matter, disputed the occurrences, emailed the CEO to no avail in helping correct the matter. My credit score is being affected. I have had this secured card for 2 1/2 years, since XX/XX/XXXX, outside of the 3 payments which should have been deferred, I have never missed any payments. I would like to have US Bank correct 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 2023-09-18
Company: JPMORGAN CHASE & CO.
State: OH
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:
I had a hard inquiry on my credit report that I did not authorize from jpmcb. This showed up on my report XX/XX/ 2023. I have contacted them and they are supposed to be contacting the credit reporting agencies to have this hard inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: NV
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:
Previously disputed My XXXX XXXX XXXX XXXX Originally filled XXXX XXXX Reporting XX/XX/XXXX XXXX XXXX XXXX with XXXX, XXXX, Equifax, that had wrong filling / discharge date. XXXX did deleted the account for reporting wrong date as of now its been 10 years and XXXX and Equifax still reposting wrongfully and keep updating as verify the court send me a letter that states they do not verify any information with credit bureaus. Violating the right of fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Activehours
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Support is unhelpful in simpy explaining anything. They only copy and paste things that say " Sorry '' and " We understand ''. If you truly understood, you would answer simple questions. I need results not sympathy. i went up the chain of command with NO results and the same XXXX answers. Might as well just say I DONT KNOW and stop wasting everyone 's time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: KY
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:
My issue is that when I have disputed debts with XXXX XXXX, XXXX, and experian. I put in a dispute, no answer from either company nor response. Or say that they have verified that the debt was mine without sending proof. And my credit isn't being updated lime it should be

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 2023-05-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX & XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

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

Has Violated my rights. 
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  Has Violated my rights. 

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion, LLC conducted an investigation into items listed on my credit report which I disputed in the month of XXXX XXXX. The investigation was completed according to paper work on XX/XX/2019 (see file# XXXX). In the investigation results it shows items listed below:  [XXXX XXXX - XXXX* - Verified as belonging to me] [XXXX/XXXX  XXXX  - *XXXX - Verified as belonging to me][XXXX/XXXX  XXXX - *XXXX  - Verified as belonging to me][XXXX/XXXX XXXX - XXXX* - Verified as belonging to me]  [XXXX  XXXX XXXX - XXXX* - Verified as belonging to me][XXXX  XXXX - XXXX* - Verified as belonging to me][XXXX  XXXX XXXX - #XXXX* - Verified as belonging to me (Same Item was removed from my XXXX  for lack of Verification)][XXXX  XXXX  XXXX  XXXX  - #unknown - Was never investigated, nor am I familiar with this collection as I've never gotten anything back from this collector proving this is my debt.]I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked TransUnion, LLC to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified. I then sent a Method of Verification letter on XX/XX/2019 which was CONFIRMED received onXX/XX/2019 to TransUnion, LLC exercising my rights under FCRA 611(a)(6)(B(iii) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I received a bogus response from TransUnion, LLC today stating a general explanation about their investigation process, but no proof of items in question ever being investigated. This was an improper Method of Verification response and against my FCRA right. I have attached all documentation backing up my claim for your review CFPB.

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a firm believer that credit reporting agency is retaliating against me for filing a complaint against them. 

On XX/XX/2022, my credit score was XXXX. As I continued to pay down the debt I owed it was trending upwards. 

On XX/XX/2022, my credit score randomly dropped by a total of XXXX pts. My score went from a XXXX to XXXX. 

On XX/XX/2022, my credit score rose by XXXX. From XXXX to XXXX. 

This made absolutely no sense because I was paying down all my debts to my creditors. My score should have increased dramatically not decreased. On top of that I did not have any new inquires, collections, account creations or an increase in my credit utilization. I looked through my report and there was no plausible reasoning as to why my credit score was decreased. 

As you can see the reporting is extremely broken and needs to be rectified 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 non-monetary relief
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: TX
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/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 2017-12-17
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Conn's, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
CASE XXXX - Conn 's XXXX XXXX - NOT XXXXXXXX XXXX - Do not send to XXXX XXXX  Case not relaited to credit card, but installment loan with Conns Billing Address XXXX XXXX XXXX XXXX, Texas XXXX Fax XXXX ( Department in question direct fax number ) Customer Service Compliments or Complaints - ( XXXX ) XXXX On XX/XX/XXXX I called to Conns XXXX XXXX and made an offer of {$1900.00} to settle out the account in full. I explained to them that I would like to use the provisions under the CARES act that allows contract terms to be revisited, I would like to make a final onetime payment of {$1900.00} to close out the account that day in good standing. The accepted the terms and processed the payment. I asked that day and have continued to follow up on the status of closing the account in good standing and sending me a letter stating that the account was settled on for XXXX. Several calls and emails I still do not have the letter and the account is still open accruing interest and requesting a payment due in XXXX. When I call, I am told the letter takes thirty days. After thirty days I called again, and Im told another thirty days. I follow up again and was told it was with the wrong department and they need thirty days. 
As of XX/XX/20 I have been informed that my payment was rejected from the settlement department reason listed as " not paid in full ''. It was explained that this final payment of {$1900.00} was sent to the settlement department and because the consider it to be a concession pay off it needed to be processed with a different department. I have given ninety-eight calendar days and approximately sixty-eight business days for this to be corrected. Plenty of time to at minimum close the account officially and then begin working on sending me confirmation of the closeout.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Selene Holdings LLC
State: OH
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:
I am going through a refinance with XXXX XXXX  ( Great Company! ). They pulled my credit report and saw that there was an report pulled by Selene Finance LP ( my current Mortgage Company ) on XXXX XXXX. When I called Selene Finance LP to ask why they pulled my credit Report without my knowledge. The agent said we were looking for a phone number? The agent read off 5 numbers and 3 were my correct phone numbers. 
So Selene Finance LP did have my phone numbers on file. I explained to the agent from Selene that when they pull a credit report it is not good because it can affect my credit score. He said that is what we do to get information? 

XXXX XXXX had questions when they saw this because I am at the end of the re-finance process with them and up pops a credit pull from Selene Finance! 
I am no professional in this business but I think a company has to have permission from a client before they randomly pull your credit report and surely not to find a telephone number! 

This is outrageous and very unprofessional and un-ethical. The XXXX XXXX XXXX and I both have requested a pay-off on my current mortgage account with Selene Finance LP, we both ask them to put a rush on this because I am about to lose my rate for refinance with XXXX XXXX. Selene Finance LP never responded to XXXX XXXX XXXX! So I reached out to them also to let them know I need this pay-off like yesterday and Selene Finance they told me it would take 5-7 business days to get a pay-out!!! Please help me! I am in need of this information immediately and Selene Finance is messing me up royally with the improper credit check and the time it is taking them to give me a pay-off letter to submit to my new refinance company. It is not fair or ethical of Selene Finance to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
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:
I have contacted First Bankcard numerous times over the years about concerns about how they allocate payments. They honestly have the worst customer service I've ever seen. I have numerous credit cards, and I never have issues with others like I do with First Bankcard. And there customer service is horrible. Very impersonal. They could care less about anything you contact them about it seems. I have maintained for years that they do not apply payments properly. They always apply payments to the balances with the LOWEST APR instead of the balances with the HIGHEST APR like they should. I don't know what else to do. I've written them about this numerous times, and they even put in writing back to me that they do this, and they maintain that is what they are supposed to do. Anyone with any common sense knows that is backwards and not how payments should be applied. But, they don't care. I don't know what else to do. I have specifically made large payments toward my balances when promotional interest rates are expiring, in order to get the promotional balance paid off so the interest rate does not rise, and they do not apply the payments to the promotional balance when it is expiring. I've even sent the payments to the general " customer service '' address with a note explaining to please apply it to my promotional balance so my interest rate does not go up, and they just totally ignore that, but send a letter telling me the payment was sent to the wrong address. They do a lot of things not in compliance with the law on how payments should be applied. And they don't care when it is brought to their attention. They also do not list promotional interest rate expirations on your statements or alert you when it is going to expire like they are required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: 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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, My name is XXXX XXXX XXXX. I am an victim of identity Theft and did not make the charges. Please take a look at the fraudulent accounts and remove them as quickly as possible.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 account, XXXX XXXX account # XXXX, XXXX account # XXXX and US Department of Education account # XXXX, has violated my rights. 

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

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

Company 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 2023-05-17
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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