BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
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: Information belongs to someone else

Complaint:
SOME HOW THESE ACCOUNTS WAS OPEN IN MY NAME WHEN IT WAS TO BE OPEN IN MY SON NAME WE SHARE THE SAME NAME HE IS A XXXX AND I AM A XXXX  I WISH TO HAVE THESE ACCOUNT REMOVE ASAP BECAUSE IT IS NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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:
I was applied for a loan and I found two accounts I never open those two accounts are fraudulent accounts I lost my documents and some one has a copy of my personal information and that person used and open accounts under 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 2017-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA Savings Bank is reporting incorrect information on my credit reports. I sent a certified letter with return receipt which they received on XX/XX/XXXX. This letter was asking them to verify the accuracy of this account, and to provide me with anything bearing my signature. By law they have 30 days to provide me with this information and if they can not provide evidence bearing my signature they must contact all credit reporting agencies and delete the item. They did not verify account. I pulled my credit report and noticed the item still being reported. In addition to not providing evidence bearing my signature, they did not contact the credit bureaus to annotate that this account is being disputed within 30 days. They have already broken the law according to FCRA & FDCPA. I gave them a second chance and sent them a letter which they received on XX/XX/XXXX. In this letter I reminded them how they have already broken the law, but if they simply have the credit bureaus remove this item, I will not pursue legal action. They still did not verify the accuracy of their reporting, they did not produce proof displaying my signature, and they broke the law by not notifying all 3 credit bureaus to mark this account disputed within the required 30 day period. Im going to give them another 15 days and if they do not contact ALL credit bureaus and have this account deleted. I will pursue legal action. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )? Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) If they remove this item, I will not pursue legal action and i will remove this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have contacted all three credit bureaus through certified mail informing them of my identity being stolen and none of them have responded back to 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 2020-10-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account status incorrect

Complaint:
Infiniti sent an erroneous report to XXXX damaging my credit from XXXX  
to the XXXXeven after they received payment. They are refusing to correct. I had automatic payments set for this account but for some reason this stopped working since XX/XX/XXXX. Infiniti was calling the wrong number and I didn't realized this was happening until XX/XX/XXXX when I noticed they had reported late payments dropping my credit score to the XXXX 's. I immediately call Infiniti Financial Services and told their representative I will pay all that I was behind and the current payment owed for this month right away. This was paid XX/XX/XXXX, they confirmed payment XX/XX/XXXX. This account was paid in advance to XXXX XXXX. However, they sent another Report to XXXX  XX/XX/XXXX after I paid which indicated I had not pay them. That report was false and incorrect! I called to report their mistake and they are unwilling to correct their mistake stating it is up to me to do that not up to them. I have never in my life have been late on any payment and they should had make sure I was notified of the problem prior to damaging my credit. The Infiniti Dealership claims I provided those numbers in my credit
application, but the application was filled by their Representative and they never furnished me a copy of the loan contract so I could have the opportunity to correct their mistake.

Please contact me at ( XXXX ) XXXX or XXXX if you need additional information. I appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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: Account information incorrect

Complaint:
XXXX - XXXX XXXX XXXX xxxxx XXXX Account balance is not consistant with other credit agency. Please delete 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 2017-08-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
At the end of XX/XX/XXXX, I filed a claim with my Chase Sapphire Preferred credit card to enact the trip insurance I was given by being a holder of this card. The trip insurance states that if I purchase a trip with the card, and then experience an illness that prevents me from going on the trip, the insurance will cover the loss in full. Unfortunately, I became ill before my trip, went to my doctor who advised me against traveling due to medical reasons. A medical doctor, both verbally and in writing, told me that due to my illness, it was inadvisable to travel. So I cancelled my trip, filed the claim, and was immediately denied. When I called back to ask about the denial, the agent said it sounded like a basic misunderstanding and that I needed to file an appeal. I immediately did that. Did n't hear anything back for a week, so I called in and they had zero record of my appeal. So I filed it again. And I was denied again. They claimed that it was my choice not to travel and that my doctor was wrong, despite the written proof that was given to Chase. My account number was XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am writing to respond to M & Ts reply to my XX/XX/XXXX complaint # XXXX as well as to CORRECT my complaint. I did not correctly explain the situation in that complaint and I attest that the following is what I meant to express in my initial complaint : I just learned in XXXX, XXXX, that back in XXXX, XXXX, when I was XXXX years old, my parents had my signature forged onto a mortgage note so they could buy a home. 

I did not sign that note or any documents related to the purchase of the home. I was only XXXX and I was out of state at college at the time. I had no idea my parents were using my personal information and my income ( as an employee of their company ) to qualify for the mortgage. 

The loan information never appeared on my credit reports, nor was my name printed on any monthly mortgage statements. I only learned that my name was on the account when the account started reporting to the credit bureaus in XXXX, XXXX. As soon as I learned I could make a complaint to the CFPB for assistance I filed my complaint. I did not accurately describe the problem in my XX/XX/XXXX complaint. I also alleged predatory lending practices but I didnt mean that M & T had engaged in anything predatory ; I meant I felt something was wrong if parents can forge their teen-aged childs signature and buy a house. If there was any wrongdoing, it was likely on the part of my parents, their lawyers and their mortgage broker.

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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Ive sent in dispute letters XX/XX/2020 to rectify my accounts with TransUnion, XXXX, and XXXX. It has Been over 30days and I havent heard anything from them in regards to my accounts.

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 2020-11-19
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to XXXX. 

On XX/XX/XXXX I asked XXXX for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that UCC laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to XXXX XXXX attached with proof of fax delivery ) and after 30 days I have not had a response from XXXX or from Equifax Experian or Transunion and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX XXXX attached ). I want this deleted because ( 1 ) the XXXX reporting is inconsistent or incomplete ( 2 ) XXXX did not respond in 30 days AND ( 3 ) XXXX provided no documentation they met UCC laws.

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 2020-11-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
We sold our home on XX/XX/XXXX and had a mortgage with XXXX XXXX We were currently on the XXXX XXXX Forbearance program which we believe we were approved for in XXXX of XXXX. We have moved into a temporary rental home with hopes to purchase our next home soon. 

We had just applied for a new mortgage approval as there is a few homes we are looking to make offers on, only to find out that XXXX has us reported as being 120 days past due even though the report also states the loan was paid off. This reporting, is now preventing us to be approved for a new mortgage. 

We have notified XXXX and was told that the forbearance program was not started until XX/XX/XXXX so worst case scenario we would have only been 30 days late. At the time we applied and was given the approval for the forbearance we were told this would not affect our credit. They had agreed that there was a mistake with the 120 day part and would try to have that fixed but could not guarantee they can fix the 30 day part. 

We have been faithful mortgage payers since XXXX and have never missed a payment or have been late on any mortgage payment ever on all our mortgage accounts. If we knew that we would have been affected, we would have borrowed money to make the last payment.

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 2023-02-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This account is not reporting on credit any longer. The account is in good standing and I would like for it to report on my file correctly. Thank you XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XX/XX/XXXX - and XX/XX/XXXX I wrote each credit bureau and asked them to verify the debt. I don't recall getting a response or updated credit report as requested so I sent a letter directly to XXXX. 

On XX/XX/XXXX I asked XXXX for debt validation because they were reporting a charged-off account to credit bureaus. As a result of doing some research, I learned that UCC laws may not have been followed making this reporting unverifiable and inaccurate. I faxed a debt validation letter to XXXX ( attached with proof of fax delivery ) and after 30 days I have not had a response from XXXX or from XXXX XXXX or Transunion and the account in question is still being reported ( I saw the information on both MyFICO and Identity XXXX ( attached ). I want this deleted because ( 1 ) the XXXX reporting is inconsistent or incomplete ( 2 ) XXXX did not respond in 30 days AND ( 3 ) XXXX provided no documentation they met UCC laws.

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 2020-11-19
Company: Experian Information Solutions Inc.
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 is missing that should be on the report

Complaint:
I keep having problems with Experian. In fact this is the only company I have had this many problems with! They stopped reporting my XXXX XXXX  information and when I called and asked XXXX they said the reported to everyone. I asked them to submits it again to Experian. So they did .... My score went down 11 points! How? They raised my credit limit from XXXX to XXXX for good credit. Other credit reporting agencies have me in the high 6 and 700 range. EXPERIAN HAS ME IN THE LOW 600s! I'm trying to buy a house! Its so silly. My credit limit on my 2 cards is XXXX Experian still has it at XXXX. Help me please

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 2020-11-19
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit report shows a balance for XXXX insurance. My XXXX insurance account auto policy XXXX was closed and paid in full XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received my replacement card on XX/XX/2020. I made a online purchase early morning on XX/XX/XXXX around XXXXXXXX for a phone bill which successfully went through. I than went to try to make and I store purchase around XXXXXXXX XXXX the same day and my card continued to decline. I called multiple representatives to try to understand the issue. I spoke with 2 representatives and a supervisor. The supervisor let me know there was a block on my account because I need to validate it. When I asked why she said it was for reasons she didnt know. I asked if I could speak to someone who would and she refused. She said the only way to remove the restrictions was to fax my Id, proof of residency and my ssc. I was not comfortable doing so since I was just sent a new replacement card and spoke with cardholder services all week, let alone the supervisor couldnt explain why the restricted my account in the first place. I asked for anyone from another department or Human Resources and she refused : stating that she will not give out anyones contact others than her own. Now the government assistance money on my card is unable to be accessed while I have a XXXX year old child whom I have to care for with my assistant and I am XXXX XXXX XXXX I can not do much without the use of my government funds and they are being held for reasons unknown.

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 2020-11-19
Company: JPMORGAN CHASE & CO.
State: IA
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:
On XX/XX/20, I paid {$350.00} for refrigerator parts from XXXX XXXX XXXX XXXX XXXX. On XX/XX/20, I disputed the charges with my credit card company, Chase, since the repairs were never performed and the merchant had ceased communicating with me. On XX/XX/20, Chase ruled in the merchant 's favor because " the services were received or available to use '', which is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a second written request, requesting the Method of Verication of their investigation results per FCRA. It has been more than 15 days since I sent my inquiry, but I have yet to receive a response. 

On XX/XX/2020, I submitted a complaint to CFBP calling them out on their violations. They closed my complaint and responded, that my complaint regarding their investigation procedures does not appear to have been sent directly by ME?? How did they even determine it was not sent by ME??? or what procedures did they use to determine this? This XXXX me. I have included all docs needed so they can verify my identity, I even got all my docs notarized. 

This an insult and straight-up humiliation. Just because I am an educated person who knows their rights and what I'm talking about. I have kept a log and copy of all communication between Experian and me. This is stressful and it's causing an emotional toll on me. They are not following the law and I wonder how many people are they doing this to? These unreasonable reporting procedures and investigations have really damaged my credit.

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 2021-08-11
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
XX/XX/2021 went to XXXX to load money on the Amereican Express bluebird prepaid card. It was declined 3 times, Called customer service at Bluebird I needed to verify my address,, My mailing address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX wv. I live in a rural area and we donot recieve mail at our house. all mail and parcels go to the post office, I explaned this three times to customer service, They verified the address. Then said to try and load the card again. 

XX/XX/2021 when into XXXX again to load money on the card and it was again declined. 

called customer service again. The first time I was hung up on by the supervisor after I had explaned the same situtation about living in a rural area with no mail delivery.And every peice mail is delivery to the Post Office.

the second time I called back after being hung up on I requested that my account be closed and my funds be overnighted to me, I was told that it would take up to 10 business days and that USPS would be used to send my check. 

My cards hve been suspened and BlueBird is holding MY money as hostage because I live in a rural area with no mail delivery, I want my accounts closed ( I have two ) and my money overnighted immediately. It is my money and I should not have to wait wait while American Express is making money on holding my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX XXXX XXXX has a third-party collection XXXX XXXX XXXX. 
That failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX failed to offer financial assistance. With continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

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