BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2021-02-24
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 status incorrect

Complaint:
A balance is reporting on my XXXX  XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2021. I have tried to resolve this issue directly with XXXX XXXX XXXX and they have failed to correct it.

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 2020-11-21
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: Personal information incorrect

Complaint:
Since XX/XX/2019 I have written letters to XXXX XXXX XXXX XXXX regarding the fact that they are reporting old information regarding me including old addresses and phone numbers, and several incorrect spelling of my name. 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX Place of Employment : N/A

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 2020-05-21
Company: Experian Information Solutions Inc.
State: NC
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 identity has been stolen by the same person for the last 9 years, He has opened credit cards in name and auto loans and several boat loans. There is several police reports and FTC reports on file with XXXX, Experian, and XXXX but they don't use them.

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 2018-07-12
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We are struggling and SunTrust has put our business into futher jepodary by charging exorbitant unfair overdraft fees causing our small business major financial distress. In an attempt to remedy the situation I visited the XXXX XXXX location. The employee waived 1 fee but I was ( I found this info out on a 2nd visit, to the XXXX XXXX branch ) NOT informed of what I could do to prevent this from happening again. I was NOT advised that I could get overdraft protection by either opening a savings, or getting a business credit card, or registering my email. If i had been advised of this I would have done so. I feel very taken advantage of. The fees are unfair and have caused my business great financial distress. 1 fee would be fair, but {$220.00} in one month and {$150.00} in a 2nd is beyond unfair!! HELP!!

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 2020-05-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for CHASE credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called CHASE XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My social security number was compromised. I can't do nothing with my credit because somebody stole my Identity. I have attached all my documents. My ID, Social, and filed a report with the FTC. I have listed more accounts that are fraudulent due to the fact that the FTC only lets you put 5 which I have more than. I would appreciate if you remove this fraudulent information on my report immediately. XXXX Bless you and your family in these horrid times. I have one life to live. I don't want to waste time moving on with my life because somebody stole my Identity. I hope you understand, Thanks!

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 2021-01-26
Company: Santander Consumer USA 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019 SANTANDER/ROADLOANS.COM Inquired on XX/XX/2019 XXXX XXXX Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I set up my month payment via my check account, as a I do each month. XXXX XXXX XXXX ( card services ) pull the {$50.00} payment that was due on XX/XX/XXXX, on XX/XX/XXXXfrom my checking account and then in the month of XX/XX/XXXX, placed a 30 late on my credit report, as if the payment had been made 30 days late. I called in and ask about the matter and was told, that the only thing they could do to correct the matter was to adjust the late fees. The month prior to this call, I called in and asked why I was making my payment each month and the balance would continual to increase. Keep my credit card over it's limit and making me unable to use the card for any goods or services and the balance was increasing more and more each month. XXXX has a system, that adds {$35.00} late fee, to your account, if the payment has not been processed by a certain time on the XX/XX/XXXX of each month EST. The late fee is often more than the monthly payment and triggering a balance increase each month, after the payment has been made. Therefore, placing the consumer deeper and deeper in debt, without any usage of the card and enriching XXXX, with free monies each month from excessive fees. 

I called and spoke with XXXX about the 30 late fee and was told in short that, the only thing they could do to correct the matter was to adjust the late fees on the payment. They have no idea of where the payment that was taken from my checking account, was routed to or credited to. This is very unprofessional and XXXX is unwilling to assist in correcting the mistake that has been made by their account program/system.

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 2021-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 I received a call from Bank of America ( BOA ) stating that my Employment Development Department ( EDD ) debit card was frozen due to suspicious activity. After speaking to the representative, they informed me that on XX/XX/2021 there was an ATM balance inquiry and withdrawal for {$1000.00} in XXXX XXXX, CA. Following the first withdrawal, there were four more fraudulent charges everyday from XX/XX/XXXX to XX/XX/2021. Each withdrawal for {$1000.00}, totaling {$5000.00}. XX/XX/XXXX and XXXX were in XXXX, CA, and XXXX in XXXX XXXX XXXX on XXXX and XXXX on XX/XX/XXXX and XXXX. I have submitted a fraud claim to BOA on XX/XX/2021 and was denied, even though BOA themselves alerted me of the suspicious activity. BOA has not done anything to help ; just deny my claims. They have closed my case two times since I've initially filed the claim on XX/XX/2021 and I have received no explanation as to why my claims were denied/closed. They had frozen my initial account which I was able to unfreeze and take out the remainder of the balance which was {$250.00}. I currently have a new EDD card with them with no balance on it. I have only used the BOA ATMs in XXXX, CA and XXXX, CA, the last date of transaction from myself being XX/XX/2021. All transactions made starting XXXX XXXX from various locations are fraudulent. A Police report will also be made today.

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 2020-05-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to work with the credit bureaus ( XXXX XXXX, and XXXX ) to remove erroneous credit information ( judgement ) for XXXX IQ Data International from since 2015, for a debt I do not owe. To date, I have been unsuccessful in doing so. After numerous attempts to try to resolve with both the credit bureaus and Collection Agency, I decided to contact the XXXX XXXX XXXX and they too advised me that there have been many complaints about IQ Data International Collection agency for reporting erroneous unsubstantial claims against many individuals without validating claims. I have been harassed and talked to in an unprofessional manner as well as, threatened. Since I have no knowledge of the amount owed, and nothing to show I owe, I am asking that, I receive intervention from CFPB to have this remove from the ( 3 ) credit bureaus. More importantly, hold IQ Data International Collection Agency accountable for their harassment and the mental stress they have caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Byrider Franchising, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX  on XX/XX/XXXX regarding several inquiries that were on my credit report even on that's listed twice. XXXX XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, 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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: AES/PHEAA
State: CA
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:
My annual income recertification date for Income Based Repayment was upcoming in late XX/XX/XXXX. There was a notice on my FedLoan account website stating as much, and I knew that a missed recertification would mean payments would increase substantially to the " standard '' payment amount. I followed the account notice 's direction and submitted my recertification paperwork on XX/XX/XXXX with the understanding it was required. 

My joint income had increase in XXXX so I was notified on XX/XX/XXXX that my recertified student loan payment amount increased by roughly {$120.00}, with payments beginning in XX/XX/XXXX after CARES Act expires. 

It was later brought to my attention that embedded within FedLoan CARES Act FAQs, that income recertification is NOT required and can wait until the following year, which in my case would be XX/XX/XXXX, and a new payment amount XX/XX/XXXX. 

I contacted FedLoans via phone on XX/XX/XXXX about the issue and requested that my payment amount be reverted back to XXXX levels per CARES Act. That representative sent a note to another unit. I followed up via e-mail on XX/XX/XXXX but did not yet get a response. I followed up today via phone, XX/XX/XXXX, and was told that they rejected my request and my new recertification amount will stand despite the CARES Act not making it necessary, and despite their mixed messaging on their website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-14
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Starting on or about XX/XX/2020 and over the course of the next 5 days, I received via USPS, 3 separate debit cards from Chase bank that were tied to checking accounts that I did not open. 

I called the customer service number ( XXXX ) XXXX listed on the attached sheet with the cards to report that I did not open these accounts and wanted to speak to someone in the fraud department about how checking accounts could have been opened in my name. The first person I spoke to I don't think understood that I really had not opened these checking accounts even though I did my best to express concern over getting 3 debit cards tied to 3 different checking accounts. He did tell me that the checking accounts contained a Zero ( {$0.00} ) balance, which seemed suspect to me.He sent me to another department that handles my issue and after waiting for 45 + minutes to finally get connected to the right person, the audio quality was so poor the call was disconnected before any meaningful communication transpired. I have since tried to call several other times and experienced similar wait times and so had to hang up before someone answered. 

We do not have Chase ( brick & mortar ) banks in my area of the country and I have never opened an online or in person account at any Chase bank in my 39 years of being an adult.

I am concerned that there is some serious fraud going on with Chase, presumably in their online banking dept., that they could open 3 accounts in my name without my knowledge. I guard my personal information and monitor my credit frequently and feel these bank accounts would have shown up on the reports but they have not as of this date.

I am asking that this agency investigate Chase Bank 's requirements for opening checking accounts. I am willing to provide any additional information I have to help with this investigation.

The file I have attached below is of one of the letters I received with the debit card ( the debit card is removed )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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 belongs to someone else

Complaint:
Experian is still reporting a late payment for XXXX in the Account Summary of my credit profile ; however this has been corrected on TransUnion, and it had to come from XXXX, so why is Experian talking about they are still working the issue. I in the process of buying a house and will held account for the negative information display which is not correct. 

Please see attachment from XXXX as well.

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 2020-05-18
Company: Metro Collection Service Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They company XXXX XXXX emailed me a bill for services they say I received at the XXXX office that provided treatment to me. I have requested that an itemized billing statement be sent to me and of course I never received the requested info. I have no idea what this charge is for. The company XXXX XXXX also told me that they do not have an itemized billing statement that they send to their clients. I'm sure that is illegal if you are going to charge someone and report it to the credit bureaus..I have never received any documentation from Metro Collections the reporting entity. How I found out was being denied credit and requesting a copy of my credit report and researched the company. At this time my credit is being impacted and my score has dropped and being denied credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: General Motors Financial Company, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested validation of this alleged debt 5 times already. I have never received anything .Attached is a copy of my most recent request. 
Only XXXX bank answered be in a ridiculous way, telling me that they dont understand what I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 need transunion as well as XXXX  and XXXX  to report correctly that XXXX XXXXXXXX XXXX has a XXXX balance and is a paid and settled credit card from XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Eagle Accounts Group, 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 status incorrect

Complaint:
I 've disputed child support enforcement account # XXXX going on 5 times before, I 've provide full official documentation from my county clerks office, the official account history keeper, showing every payment I 've made since XX/XX/XXXX-XX/XX/XXXX without missing a single payment since the day I was ordered to begin paying child support, XXXX and XXXX, have fixed the account listed above accordingly and in my favor since I have proof, XXXX seems to not care about my proof and has failed to fix this issue. There response is always we are working on it or the documentation you 've provided is not sufficient, how ca n't it not be sufficient when it comes straight from the XXXX county Clerks Office. Please help, I 've attached complete 7 year history of payments from day 1 till now, plus a separate month statement XX/XX/XXXX to be exact, according to XXXX I failed to pay on that month, and lastly a couple transcripts from web chats with child support agents, where I clearly state my case with them about this error and they acknowledge no delinquencies on my account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation