BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
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:
I was going through a hardship, I am now back on feet and trying to buy a house. In the mix of these I wanted to begin to fix my credit. While reviewing my credit reports I cam across quite a few inaccuracies being reported. According to 15 U.S.C & 1681 law there should not be any damages being reported and this is a defamation to my character. Remove all fraudulent accounts immediately. 

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account several accounts and validation was requested as these are accounts not recognized. I reviewed my credit again on XXXXXXXX  and the accounts continues to reflect on my credit report and I have not received any correspondence from the creditors to validate these accounts as correctly belonging to me, nor has my credit report been updated to reflect that these accounts are being disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and the accounts are still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditors has authorization to access the accounts nor authorization to attempt to collect on these accounts and the accounts continues to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belongs to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a legal name change and bankruptcy. I came back to attempt to reopen a new checking acvount with XXXX. They lied to me and said my account was still open and I would need to repay the owed money from my Chapter XXXX first. But couldn't officially ask for it back. They have cashed my checks for XXXX dollars so far with the loan account number that I've since verified with Transunion was closed with my bankruptcy. They refuse to speak with me and clearly KNOWINGLY DEFRAUDED this money from me with no intention of offering me a new account.

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 2022-11-10
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: Account information incorrect

Complaint:
The information requested to be removed or corrected is still reporting, as late or missed payment ( s )

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 2023-04-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX XXXX XXXX, prior to the payment being late, Chase was contacted that the payment would not be made due to COVID hardship. I was told to pay when possible and that I would not incur any penalty. The account was paid in full within 30 days as per our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received an emailed showing that someone was approved account for a XXXX  XXXX XXXX, that was processed online with my discuss security number and an address I had while I was a military spouse over XXXX yrs ago. It was with my old last name as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: V and H Portfolio
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/23, I received a notification from my credit monitoring service stating that this company added an account to my credit report. I never received a dunning letter from them about the alleged debt to allow me to request any validation but they just added it to my reports.

Im demanding that they delete this alleged debt from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
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:
I am writing this letter due to the recent credit breach. My personal information was affected by the recent credit breach, your company has been placing obsolete, inaccurate information on my credit file. I am unaware of the inaccurate accounts and inquiries listed on my credit file. The letter is attached in the file below. I have file with the FTC, I have filed a police report against your companies, also filed a lawsuit against your companies for violating my rights, placing information on my credit without my consent, defrauding my credit file placing inaccurate accounts and inquiries on my credit file to compensate money for bad inquiries and accounts. Please be advised that this isnt a threat its the final goodwill letter.

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 2017-12-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The account I 'm discussing was in my XXXX husband 's name with my card as an additional member for a Citibank XXXX membership. In XXXX I did not receive a statement, and knowing I had a balance I called Citibank to obtain the amount of the balance. I advised Citibank that my husband was XXXX. 

The XXXX membership was to be renewed in XXXX so I had continued to use my card, knowing that at renewal, I would have to change to my name. 

The person I spoke to at Citibank on XX/XX/XXXXXXXX XXXX XXXX told me that he would immediately close the account and gave me the information to mail the balance which was not due untilXX/XX/XXXX 

On XXXX XXXX at XXXX XXXX I received a call on my house phone from a company called XXXX XXXX. I did not respond. On XXXX XXXX I received a call on my cell phone from the same company. I XXXX the company and read of many complaints of harassment, especially by XXXX and with connections to Citibank. 

I received a letter from XXXX XXXX dated XXXX XXXX requesting confirmation of the person responsible for my XXXX husband 's estate. 

XXXX XXXX, I called a number which had been given me by the representative at Citibank for " XXXX  Recovery unit ''. One of the prompts at that number ( XXXX ) offers XXXX XXXX. 

I contacted Citibank customer service XXXX to ask if my husband 's account had been turned over to a collection agency and to say that I suspected fraud, the representative transferred me to XXXX XXXX. I spoke to XXXX and offered the reference # on the XXXX XXXX letter. I was advised the call was being recorded. I was asked for dates of birth and XXXX of my husband. I asked the reason I was being contacted and she advised she could not tell me! She did finally confirm the account was Citibank. I explained it seemed like a scam and I would be reporting the contacts to government agencies. She said she would remove my phone numbers and ended the call. 

The balance has been paid on the Citibank account, but the harassment should be acknowledged.

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 2018-07-24
Company: Experian Information Solutions Inc.
State: TN
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:
In XX/XX/XXXX my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX finance almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XX/XX/XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.

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 2023-08-12
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:
I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I fell behind on payments so then they made me have to do wire transfers from my bank and I was told I was caught up each time I was having to make a wire. But then they still charge me several hundreds of late fees and penalties and admitted their mistake but still will not mail me hard copies of where my payments are applied or any thing I have paid a absurd amount of money to get caught up but they still stated Im behind alll the way back to XXXX but I should be ahead. They also stated they applied several payments of large amounts to my principal and I asked why would you do that when Im try to catch up and they did not have answers Ive called several time hung up on and even one employee told me that if I would pay my bills I wouldnt have to worry about being charged late fees. Here are the payments made by wire and I just had them draft over XXXX last month and was told I would be caught up again but now they are calling harassing my wife and I at work and calling on weekends after XXXX so Im tired of them. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX The Bank is US Bank and they are applying payments elsewhere and keeping me late for fees and threats and repossession Not to mention reporting to my credit that Im always late for two years or more and i never missed a payment auto draft from XXXX XXXX that carried my note on another vehicle that is now paid off in full.

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 2018-07-24
Company: EQUIFAX, INC.
State: TN
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:
In XXXX of 2017 my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX XXXX almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XXXX of XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: GA
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:
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 investigate and corrected for erroneous reporting in my file are listed on my credit report 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 2022-01-14
Company: Solar Mosaic LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I contracted with XXXX XXXX XXXX XXXX XXXX installation company ) on XXXX to have XXXX XXXX put on my house. They said in XXXX months, I'd have XXXX XXXX installed and they wouldn't charge me till the day they drove up in my driveway to install the solar panels. 

I discovered that there is already a 2nd lien on my house from Mosaic XXXXXXXX XXXX that has been in place for 3 months now. I called yesterday to Mosaic XXXX XXXX to complain that the solar panels are not installed yet and its been more than twice as long as I was told. I said I wanted to cancel my contract, as there is no product to be billed for. 

I also called XXXX XXXX and told them the same. They said I had to talk with my sales rep, XXXX XXXX first. I called him and told him the same. He tried to get me to go ahead with the solar project. I said no means no. He said I had to talk with his regional manager, XXXX, with XXXX XXXX. I spoke with XXXX and the same thing happened when I told XXXX I am cancelling my contract. XXXX tried to schedule me a date to come put solar panels on my roof. No means no. They haven't been in contact with me for 7 months. They installed a XXXX on my house with no merchandise to show for it. I said no means no and cancel my contract means cancel my contract. 

XXXX XXXX XXXX ( almost 7 months later ), I have received an email bill for my first payment with no solar panels on my house after I cancelled my contract. I'm pretty sure this is illegal to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 non-monetary relief
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: GA
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:
Good evening, I'm a XXXX wife and my husband and I had a plan to buy a house, but due to Equifax and XXXX intentionally ignoring my countless pleas to correct the errors but I got nowhere with my communication, now all I ask is to remove this false accounts imdeiatley, I have disputed the same accounts with XXXX and with No Trouble I was able to correct the errors, but I wasn't able to even find someone to speak with me with the minimum amount of respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue.

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
During XXXX of XXXX year XXXX i was released from my job due to catching XXXX. during that time period someone broke into the office of my job and stole my personal information which contained my SSN and my personal identification. after recently reviewing my credit report i discovered that someone used my SSN and other personal identifying information to successfully open up 4 different accounts in my name that i had no knowledge about. 

The accounts or as followed : XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX ( opened on XX/XX/XXXX ) XXXX. ) XXXX XXXX XXXX XXXX ( opened on XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: Continental Services Group, Inc. d/b/a ConServe
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Account was opened on XX/XX/XXXX. I believe to be a victim of re age debt. It was removed and placed back on report as a new account XX/XX/XXXX. Damaging my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XXXX of 2017 my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, XXXX closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to XXXX in the amount of XXXX on XX/XX/XXXX. I called XXXX XXXX  almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. XXXX reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me XXXX was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX XXXX received a payment from GAP, XXXX then forwarded me two refund checks and sent a letter stating the account was paid off. In XXXX of XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called XXXX several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then XXXX reported negatively again.

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 2018-07-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is threatening me. I contacted them they refue to show proof of how i got this on my credit its not mines

Company response to consumer: Closed with explanation