BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
During the time I have been repaying my student loans, a series of late payments were added to my credit report. During the time the late payments were added I was under no obligation to pay them back as I was a full time student at the time. I tried contacting XXXX time and time again with no response. I even hired a private company to address them which after 60+ days of no response I stopped my work with the company assisting me in fixing the issue. Ive tried numerous ways to fix this issue with the company and they have done absolutely nothing!!! 3 total student loans all stating multiple late payments, when in fact there should only be one loan not 3. Ive always made my payments and some when they needed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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:
I have not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.

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 2018-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
I purchased some solar panels from a company called XXXX XXXX on XX/XX/17. Included in the total {$1000.00} charge was a separate line item for {$340.00} of shipping charges for the components. After the payment was made, the vendor and I agreed that, I myself would arrange and pay for the shipping and the vendor agreed to refund my {$340.00} in shipping charges. This never happened. I tried to email and call the vendor multiple times to no avail. I tried to dispute this with XXXX to no avail. So far Bank of America has also refused to credit me back the {$340.00} shipping charges even after multiple phone calls to them. I have provided much documentation to Bank of America to support my claim.

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 2020-08-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I tried to update and correct information on my Credit Report through XXXX, XXXX XXXX, and Equifax. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact XXXX  by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on Equifax but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX MUST RE-INSERT MY ACCOUNTS BACK INTO XXXX  CREDIT FILES..XXXX AND FURNISHERS ARE IN VIOLATION OF THE F.C.R.A. 15 U.S.C. SECTION 1681g and ALL OTHER CREDIT FURNISHERS 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 2018-11-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: RI
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:
About three years ago my wife became XXXX and applied for Social Security XXXX. She has an attorney and a solid claim, but is still waiting for a hearing. 

Additionally, we began receiving death threats from a XXXX XXXX person and had to relocate from XXXX to XXXX XXXX   at our own expense. 

These two factors coupled with our son 's need for XXXX not covered by insurance have caused us to deplete our savings. 

Because my wife can not work, our income is decreased and has been for more than three years. I work a full time job but we still have a financial hardship. 

I have contacted the credit card company repeatedly to ask to participate in their hardship program but there has only been a " we will get back to '' for a response. 

I truly need help so as to not default while we are waiting for my wife 's XXXX to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: TN
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:
This account has been disputed and creditor and credit bureau failed to respond to my compliant. Also they have failed to provide any documentation in regards to this account. This account is problematic and i need it to be removed>>>>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-07-11
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:
XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I have given more than 90 days for a response for validation and verification of any original contract with XXXX XXXX. By law Equifax nor this creditor has the right to list any bogus and erroneous account on my credit file without 100 % proper verification of having an original contract document. So I decided to file a complaint with FTC and also a lawsuit against your company at the XXXX XXXX County Civil Courthouse. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: JPMORGAN CHASE & CO.
State: NV
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:
Too many HARD INQUIRIES is unnecessary and unauthorized. they Have a negative effect on my credit score. All my current creditors rate me better than agreed. But excessive inquiries by past credit companies and insurance companies are killing my credit score. I have no power over them to require removal of these.I need your help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: JPMORGAN CHASE & CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I saw a car I liked and knowing my rights to credit, I decided to start attempt to initiate a consumer credit transaction using my SSN with Chase. Its a credit card as defined by congress.It was used and I sure didn't get anything positive from it.I received an adverse action letter dated XX/XX/2021, from JPMorgan Chase as well. How can they claim to extend credit, if I started everything ( by wanting a car ), and made them a creditor? 

It is also my right as a natural person to credit. So in that aspect what laws say that I can be denied my own right? Banks can only borrow money. So if the original creditors are natural people, the only way another can become one is to get it extended to them. In the letter for denial from Chase it was stated they couldn't find a credit score, that i didn't have the income, or credit accounts. Income is for a business. What laws say that I can be denied anything based on the false things consumer reporting agencies may or may not say? What am I supposed to do to initiate a consumer credit transaction, using my CREDIT CARD, that I am missing? As I am aware i was only supposed to pay the finance charges that would arise. What says otherwise? 
My credit card was used. I didn't get anything. My right was denied ; my right being credit. and the RIGHT to defer the alleged debt, as defined by congress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was out of town camping and when I returned I noticed over XXXX dollars had been debited from my account. When speaking to a representative I also found they had tried to get even more but were unable too. I filed my claim and was told the money would be returned. After the money had not been I called back ( 4 separate times ) and was unable to get ahold of the person responsible for making the determination and couldnt even get a reason why the claim had been denied. I was finally told to leave XXXX a voicemail and wait 1-2 days and she would call me back. After being five to  the runaround I have no faith in Navy Federal Credit union and I will definitely be switching banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AR
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:
IM SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY REPORT. THESE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Aargon Agency, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After calling these people twice and getting nowhere I disputed these charges on my credit report with all 3 of the credit bureaus. This company can not tell me why I am being charged for this debt and told me " I'm not gon na do your job for you '' when I inquired about it. This company has removed the debt from my XXXX and XXXX  credit report ( I'm assuming because they realized they made a mistake ) but is reporting it XXXX as valid debt. The most recent attempt to remove it and the last time I spoke with someone was on XX/XX/18.This needs to be removed from my XXXX credit report this company can not provide proof of the debt if I truly do owe it and is not being very helpful in resolving the 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 2018-11-26
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX AND 2 BRANDS XXXX, XXXX ETC.. PLEASE RE-INSERT ALL MY ACCOUNTS BACK INTO XXXX CREDIT FILES..XXXX IS VIOLATING THE F.C.R.A. 15 U.S.C. SECTION 1681g and YOU ARE VIOLATING THE CREDIT FURNISHERS LAWS AND ARE ALLOWING XXXX XXXX TO VIOLATED THE FINANCIAL NETWORK DESIGNED TO PROMOTE CONSUMER TO CREDIT RELATIONSHIPS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: CT
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 demand that the following account be verified or removed immediately : The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

I respectfully request to be provided proof of these alleged items.

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 2018-02-21
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: Personal information incorrect

Complaint:
When they changed my address they put a typo in your first name. Now the want me to send them info in the mail that Im not comfortable with, like my social security number. They ask for Id, s I dont have like bills with my name that are in my husbands name and aXXXX ; Im retired. The dozens of questions they ask for me to verify who I am are ridiculous. They seem unable to go back three months and see my correct name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from Experian. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2018-11-26
Company: JPMORGAN CHASE & CO.
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:
XXXX client, XXXX XXXX is a victim of identity theft. She received a notification that someone used her information without her consent to apply for an account with Chase Bank USA XX/XX/2018. An inquiry is being reported to XXXX, XXXX and XXXX credit bureaus. Shortly after she received another notice concerning an application submitted to XXXX, XXXX ( XXXX  ) the same date XX/XX/2018 that also resulted in an inquiry into her credit reports. Both banks were sent formal disputes of these actions XX/XX/2018 certified mail with return receipt. As of this date neither of these banks have replied with the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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:
I recently received a copy of my credit report after reviewing it, I found an item on the report that is inaccurate. The account in question is XXXX XXXX XXXX. This account does not belong to me. It belongs to a relative with the same name that lives at another address. The account in question is : Name of Account : Account Number : Reason for Deletion XXXX  # XXXX Does Not Belong To Me

Company response to consumer: Closed with explanation