BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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 mailed by certified mail to Equifax, XXXX, and XXXX ; ( 1 ) appropriate proof of the identity of me as the consumer ; ( 2 ) a copy of my identity theft report ; ( 3 ) the identification of such information by me the consumer, and ( 4 ) a statement by me as the consumer that the information requested to block is not being made in error nor is the information requested by me the consumer is on the basis of a material misrepresentation of fact by me as the consumer relevant to the request to block. The information to block is not information related to any transactions by me as the consumer. 
The certified mail was received on XXXX  by the three consumer reporting agency.I have not received any notice that the alleged information was blocked within 4 days of the receipt and I have not been able to view my credit reports. 
































92 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, 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:
I am filing this complaint against EQUIFAX. This is regarding the XXXX   ACCOUNT ref # XXXX. This account was disputed to EQUIFAX on two occasions. This items has been been disputed to other bureaus and and I also filed a complaint against them last XX/XX/XXXX, and there has been no mention of anything about their investigation on this account .They are the only credit reporting agency reporting this account. Aside from that, this account is being reported with incorrect balance, status and inaccurate payment history which violated FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: SYNCHRONY FINANCIAL
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:
I found out on my credit report that pay pal smart reported me for being late on my payment which was {$3.00} dollars and something cents. I did not realize Pay Pal and Pay Pal smart were different company. I explained everything to them payed the bill with interest it came to {$12.00}. They said they would fix my credit reports and m take off the negative mark and put account back in good standards. Well that never happened. I have called them numerous times to fix this issue. It has dramatically affected the three major credit reporting agencies.. I has caused me problems getting a car loan and a new mortgage. I was persisted in talking WITH THEM AND THEY SENT ME A LETTER ON XX/XX/XXXX STATING THEY WERE GOING TO FIX THIS ISSUE WITH ALL REPORTING CREDIT AGENCIES. WELL ITS NOW XX/XX/XXXX AND NOTHING HAS BEEN DONE. THEY ALSO SENT ME A LETTER IN XX/XX/XXXX REPORTING BACK TO THE CREDIT REPORTING COMPANY 'S THAT THERE HAS BEEN NO MORE NEW INFORMATION AND THE REPORT STAYS AS IS. THIS IS WRONG. ITS BEEN ALMOST A FULL YEAR AND I HAVE NOW TOO MANY INQUIRIES THEY HAVE CAUSED ME A LOT OF DAMAGE PAIN AND SUFFERING DUE TO BEING DENIED CAR LOAN AND ETC. I WANT THIS FIXED AND I WANT TO BE AWARDED A SUM OF {$5000.00} FOR MY PAIN AND SUFFERING. 
THANK YOU 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chase I want to inform you that I submitted a complaint with equifax and accordingly the comment section states Re-investigation in progress let me guess you put that their??? LOL quit with your XXXX and try that stunt on another consumer that not aware of you lies and games. You didnt enter XXXX and you know you didnt. Because you havent sent me anything if you did you would have provide Evidence so far nothing. Send me whatcha got please. Hear say is not Verifiable! Provide it or else delete it. Also all the crazy talk about you cant dispute a debt with the CFPB XXXX you can. Thats what they are there for. They are just XXXX up right now because of that got XXXX Donald trump.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: U.S. BANCORP
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Over the past 14 months since I opened the card, I have tried to solve this problem by calling the customer service number at least 5 times. I received a letter in the mail that was a promotion for the XXXX XXXX MasterCard through USBank. It had an application number and I typed it in on the website and filled out the application. Originally, it said I was denied on the website, but then a few days later I received the card in the mail. The promotion was detailed on the application I received in the mail and it was that if I spend at least {$500.00} in the first 30 days of account opening, I would receive {$150.00} statement credit. The fine print said to wait 6-8 weeks for credit to be applied. I spent well over {$500.00} the first month and after 3 months went by, I started getting suspicious. I called them and they only gave me the run-around when I called them. First they say you need to call XXXX XXXX and give you an old nonfunctional number. Then they say they will call you back, then they say they can give me {$30.00}. This latest call from XX/XX/19 was the most helpful because they submitted an information request and I received a letter in the mail that basically says they won't give me anything until I show them proof of their promotional offer. I feel like they are legally required to have such documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2020, I went to a credit repair service. Now that interest rates are low, I thought I would get a low interest loan intended for medical purposes. I paid the guy {$150.00}, and without my authorization, and without any signature, he went ahead and made a hard inquiry on my credit report. I was upset because that would lower my score. Also he was quite arrogant. So I left. The inquiry was with Equifax. I immediately disputed the hard inquiry. On XX/XX/XXXX, I got a message saying " Your Equifax Credit File Dispute is  Complete '', and urging me to press on a button and log in. 

Well I have been trying to log in since last Friday without success. I changed my password 5 times, I kept being locked out, so I called and after spending 30 minutes on the phone, I finally talked to an agent who informed me that HE CAN NOT REMOVE THE LOCK OUT. When I changed my password, I made sure it was written on a piece of paper, and yet it never worked.The system kept telling me its wrong. 

I need you to interfere because I know what's going on. Something similar happened to me last year. I have a competitor of mine by the name of XXXX XXXX ( and the woman 's name is XXXX XXXX ) who wants me out of business. So last year after finally having worked towards good credit and raised my score over 700, I  wanted to get an SBA loan. ( I am self employed, an insurance agent ). I tried to open an account with XXXX XXXX. ( I have one with XXXX   ). XXXX XXXX rejected me. 

Not only that but every single bank I went to after this said no. I could not understand why : XXXX, XXXX even very small banks. Apparently XXXX knows someone very highly place at XXXX XXXX and I was told that he put something on my credit so I can never get any loan. So my credit has been hovering around XXXX eve since. I went ahead and paid off XXXX of my credit cards two weeks ago so I can raise my score. But since this very highly placed XXXX  XXXX can do whatever he wants my score is never going to go up. This inquiry probably was not removed my Equifax. That's why they dont want me to see it. 
Can you please help me.?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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 discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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: Investigation took more than 30 days

Complaint:
We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am XXXX in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.

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 2018-09-06
Company: TD BANK US HOLDING COMPANY
State: CT
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 filed bankruptcy in XX/XX/2018 and TD Bank ( Raymour and Flannigan line ) charged off my account and is showing I still owe a balance on the credit report, but still filed their proof of claim. When disputed with the company I was transferred several times and finally ended up with a gentleman who informed me that I was out of luck to fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
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: Information belongs to someone else

Complaint:
Dear Credit Bureau : Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Creditor : XXXX XXXX Account:XXXX Reason : Not My Account Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTB, XXXX, 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan of {$2500.00} in XXXX I have been paying on time, large amount and owe more then I took. They charging monthly XXXX dollars for customary fee and was not told that it would be on my loan just interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? 
I have tried repeatedly to correct this and everyone says they can do nothing about it? 
the last XXXX digits are XXXX and who is this?

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Transunion and the XXXX  Having too much wrong report on my account please remove them all

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 2023-01-30
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:
I XXXX XXXX, Consumer and natural person am a victim of Identity theft. XXXX, XXXX and Experian have used and furnished my consumer report without my consent, authorization or written instruction. They allowed companies to share my nonpublic personal information without consulting me and used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX and Experian have violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that the exercise their grave responsibility with respect of the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their responsibility with fairness, impartiality, and respect to the CONSUMERS RIGHT TO PRIVACY! XXXX, XXXX and 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 2023-01-19
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened a Citi Acceperate Savings account ( approx 30 days ago ). Once opened I transferred {$50000.00} into the account via XXXX from an external bank ( Bask ). 

On attempting to log into my online Citi account I was not able to and recieved a message that my account had been blocked and to call a number for more info. I called and was told that the account was flagged for closure due to fraudulent acitivity and that this process would take 30-60 days and after that time my {$50000.00} would be returned via a check sent in the mail. 

I protested this and told them to close the account immediately and return the {$50000.00} even quicker. Citi refused and kept telling me the same.

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 2018-09-06
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018, I contacted XXXX XXXX to make extra payments towards the principal balance only on my loan. The representative stated, " it simply was not an option, any extra payments will be applied to both the principal balance and the interest. '' I feel like XXXX XXXX is taking advantage of college graduates by not allowing them to try to get ahead by making extra payments towards their principal balance only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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 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 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 non-monetary relief
Consumer complaint received 2018-09-05
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from ERC with regard to ( 1 ) collection for XXXX XXXX XXXX. I reached out to ERC asking what I needed to do to dispute this item. This account did not belong to me ; and the proper documentation was sent into XXXX. Its was removed from my credit file in XX/XX/2017. I am not clear as to why XXXX is still attempting collection activity. The previous collection agency was XXXX XXXX. What do I need to do to get this resolved. I do not want this on my credit report. I have attached the fraud form that was filled out ; police report and previous explanation to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation