BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 attempted to disputed this item w/ TransUnion using 3 different computers. Each time the page froze, deleted my information, logged me out or did not give me the option to submit the complaint. 

XXXX XXXX XXXX XXXX reports that I was 30 days or 60 days late throughout the term of my loan. This is inaccurate, they regularly reported that it was 30 days late when it was no more that 7 days late. Please also note that they have me at 60 days late in XXXX of 2015, while XX/XX/2015 shows that I was on time, rather than 30 days late. This shows their inaccurate reporting. None of these payments were ever later that 7 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from XXXX XXXX stating I had a new inquiry on XX/XX/2022. I had not inquired into any credit, so it was not my inquiry. I submitted a dispute to Equifax. The dispute came back as my inquiry. How do I get them to remove this inquiry? There is no contact information listed on my Equifax credit bureau to contact this company. The company is XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: TX
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 XXXX to the Fair Reporting Act XXXX Account XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
State: WA
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/2021 ordered a sofa, chair and desk. 
on XX/XX/2021 my card was charged for the sofa. 
Received the sofa on or about XX/XX/2021. 
Contacted XXXX to indicate it was the wrong color. 
XXXX sent a pick up label and asked that we attached it to the box. 
The sofa was picked up between XX/XX/2021 and XX/XX/2021. 
I have never received credit for the return. 
I contacted Chase on XX/XX/2021 and entered a dispute. 
On XX/XX/2021 Chase rebilled my account for the charge stating that I received the sofa. 
I called the disputes department on XX/XX/2021 and was asked to send proof that the sofa was returned, which I did. 
I called the dispute department on XX/XX/2021 and was told the dispute was closed and that I would have to go back to XXXX ( which I have done no less that 10 times ). I tried to confirm that my additional information was received and was told the dispute was closed.

I not have to pay for something that was returned over two months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-05-02
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The account with a balance of {$690.00} does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: MONEY SOURCE, INC., THE
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 status incorrect

Complaint:
I entered into a loan modification agreement with The Money Source in XXXX t

o get the payments reduced. They approved the agreement and gave me a temporary new payment amount to make for a trial period of 4 months. I never missed a payment during this trial period, all payments however were made to The Money Source Loss Mitigation Department and not through the same channel as my regular payments were made. Once the trial period was completed and the new payment amount became the new final payment amount, then I started making payments again through the online portal and the account showed current starting in XXXX. However, they never went back and corrected or removed the 4 months of late payments that show now on my credit report which aren't true because I did make the payments. They told me that once the agreement was finalized that the account would show corrected and current. They never told me that it would forever show that I missed 4 months of payments. Now I'm unable to refinance my home ever again because of these late payments showing even though I've now paid off all other debt except my home. My credit still shows as poor to fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: MS
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:
To Whom it may concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the informa- tion in which a company has passed to you. Please delete immediately. 
When the requested above deletions are made, please mail me an updated copy of my credit report. 
Account XXXX : DEPTEDXXXX + XXXX Account XXXX : DEPTEDXXXX XXXX Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I  am XXXX  years old.I employed a reputable debt relief company to restructure my credit card debt with CapitalOne Mastercard. I have good credit (XXXX). I requested a change to my due date from the XXXX to XXXX.I spoke to two employees and a manager. I was told that a payment was due on the XXXX and CapitalOne would not change my due date. I would be delinquent and will continue to be delinquent. I was confused thinking I was doing the right thing. I called my debt relief company and was informed that Capitalone refuses to talk to them (I assume over any account). Did CapitalOne violate Debt Relief Law and can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXX XXXX  for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. 

I did not open these 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get calls almost daily from Source RM, a debt collection company. I've tried to call them back to resolve it but they ask me for an account number. When I explain there's a mix-up and it's not my debt, I ask to speak to someone in management. I'm then placed on hold for a long time. I don't have any debt which is under a collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Contacted company several times. They are continuing to report inaccurate information on my report I ask them for a debt validation letter as well I verified the information as being incorrect. They report open and/or close each month causing my score to drop. I sent them a copy of my correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several inaccurate information on my credit reports. I have sent out letters to all 3 credit agencies pointing out the inaccuracies, theyve vaguely sent back an automated template stating items verified without any explanations on how they verified those items or how their investigation was conducted. Even my personal identification items are still incorrect despite sending in my drivers license which has my correct information. Several accounts are not mine which i sent letters and thry never fixed thd issues.

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 2019-08-20
Company: EQUIFAX, INC.
State: IN
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:
There is a medical bill being reported by XXXX XXXX XXXX XXXX that I paid with the original company XXXX XXXX XXXX on XX/XX/XXXX.  XXXX XXXX XXXX XXXX continues to call me even though I have told them repeatedly that this is paid, I have even sent them an email with a copy of the receipt.  I have contacted the original creditor who verified I owe nothing and said they would contact XXXX.  I have disputed the information with EQUIFAX 3 times and each time it comes back saying XXXX has verified the debt.  Upon calling EQUIFAX, they will tell me what XXXX submitted to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was notified today ( XX/XX/XXXX ) by my credit monitoring service about a recent hard inquiry to Equifax from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I have never requested any type of lending from XXXX XXXX nor have I requested lending or a credit card from any other entity sine XX/XX/XXXX. I am concerned that someone XXXX have my information. I have put a freeze on my Equifax credit reports and a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello My name is XXXX XXXX and I'm america with XXXX. I'm documented in my state if I need proof. 

I'm here for help. I have student loans and I believe I was taken advantage. I believe the people from Navient was not working in my best interest. 

I just feel I was given the wrong information and now I'm in a situation where I'm paying outrageous Dept. Also taken advantage of my XXXX and giving me false or misleading information. 

I'm lost thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: MARINER FINANCE, LLC
State: NC
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 have letters to Mariner finance asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
CITIBANK SOLD THIS ORIGINAL CHECK AS A SECURITIES INSTRUMENT AND MADE PROFITS, IM TRACKING IT DOWN RIGHT NOW, AND THEY CLAIM I OWE THEM? YOU GOT TA BE OUT OF YOUR XXXX XXXX  MIND, I HAVE THE RIGHT TO KNOW WHAT ALL THESE NUMBERS ARE AND WHERES THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE, BUT XXXX WANTS TO PLAY WORD SEMANTICS WITH ME AND USE DISTRACTIONS, THERE IS NO VARIFIED CLAIM FROM A COMPLAINING PARTY, AND NO ''BILL '' WHICH WOULD DEFINE ''SOMETHING OWED '' MANY MANY TYPES AND COUNTS OF FRAUD GOING ON RIGHT HERE FOLKS AND I HOPE PEOPLE LEARN FROM THESE COMPLAINTS OF THESE XXXX XXXX XXXX XXXX. SO WHY IS THIS CHECK BEING TRACKED TO A FINANCIAL INSTITUTION IN XXXX? LOOK UP NUMBER XXXX, AND ITS NO COINCIDENCE BECAUSE I HAVE OTHER CHECKS THAT TRACE BACK TO XXXX ALSO AND IM INVESTIGATING THIS FRAUD, LOOK UP ALSO XXXX,, ANOTHER CHECK TRACED TO XXXX, HERES THE LINK http : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax ; XXXX and XXXX  should not be reporting each inquiry listed below as a separate line item on the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loans. All of these inquiries are of like kind. They are not separate, individual entities. These inquiries were created during a mortgage shopping window and should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: VA
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 a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  should not be reporting to XXXX  ; Experian and XXXX that I am ( 30-60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XXXX to update my current address which XXXX did not follow through with. I immediately contacted XXXX again when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XXXX. When the requested correction to my credit report still hadnt been made, I contacted XXXX again and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX to fix 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 2021-08-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
My bank added a false late payment on my credit report which I have contacted them about it but to no avail. Because of this issue my report and credit limit has been declining.

Company response to consumer: Closed with explanation