BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
Company: Experian Information Solutions Inc.
State: SC
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 disputed with Experian on the XXXX, XXXX, and currently the XXXX of XX/XX/XXXX. In my disputes I notified Experian that the accounts that they are allowing the furnisher to report is time-barred ( 3-4 years for the state of South Carolina ) as these accounts are showing delinquent since XX/XX/XXXX and XX/XX/XXXX and must be deleted immediately. Instead of deleting the accounts immediately, ( XXXX XXXX XXXX and XXXX XXXX XXXX ) they allowed the furnishers to update the account which all they did is update the report dates. For XXXX XXXX XXXX, they allowed them to update the balance but I put in a new dispute stating this account was time-barred as well and they completely ingnored the disputed and continue to allow this account to be reported which is a violation of the FCRA. They also failed to do in investigation on XXXX XXXX XXXX as I disputed 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 non-monetary relief
Consumer complaint received 2019-08-19
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 is missing that should be on the report

Complaint:
Equifax continually reports my information regarding XXXX XXXX wrong.  I did a dispute on the balance of my credit card.  They fixed that then completely wiped away all records of me having a car loan with the credit union. They do not report the information correctly on the car loan, they let months go by without updating it, but to completely wipe all records of me having a car loan is unacceptable.  I have had this loan with the CU for one year the XXXX of this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
WHEN I WAS YOUNGER MY MOTHER USED MY SOCIAL SECURITY NUMBER TO GET UTILITIES IN MY NAME. I WAS UNDER THE AGE OF XXXX. 
MOVING FORWARD, MY INDENTITY WAS STOLEN IN XXXX. I HAD ME AND MY CHILDREN BIRTH CERTIFICATES, SOCIAL SERCURITY CARDS, ID AND DRIVER LICENSE INSIDE MY CAR BECAUSE I HAD AN APPOINTMENT FOR RENTAL ASSISSTANCE AND FORGOT TO TAKE THEM OUT. ONE OF CHILDERN HAD TO GOTO THE CAR AND GET THIER BELONGINGS OUT THE CAR AND DIDNT LOCK THE DOORS. THE NEXT MORNING WHEN I GOT READY TO LEAVE FOR WORK I NOTICED THAT MY CAR HAD BEEN SEARCHED THROUGH. GLOVE COMPARTMENT WAS OPENED. 
CHANGE WAS MISSING AND MY DAUGHTERS CELLPHONE CHARGER WAS GONE. I THEN WENT TO THE BACKSEAT TO REALIZE THE THE MANILA ENVELOPE WAS MISSING. WHICH IS WERE ALL MY PERSONAL IMFORMATION WAS WITH MY DRIVER LICENSE AS WELL. I'VE HAD A VERY HARD TIME TRYING TO GET THE THINGS I NEED IN LIFE AS FAR AS LIFE. I DONT UNDERSTAND HOW PEOPLE CAN GET ACCOUNTS IN YOUR NAME AND ITS HARD FOR ME TO GET ONE WITH MY OWN IDENTITY. 
NO INFORMATION CAN BE GIVING OUT FROM THESE COMPANIES BECAUSE I DONT HAVE CERTAIN INFORMATION THEY NEED TO VERIFY THESE ACCOUNTS THAT ARE IN MY NAME. IVE TRIED TO DISPUTE THESE THINGS ON MY CREDIT AND NOTHING HAS WORKED. I WANT THIS THINGS TAKING OFF MY CREDIT SO THAT I CAN START MY LIFE OVER WITH HOPE & CONFIDENCE.

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 2021-10-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited an {$8000.00} check into my checking account at a 5/3 Bank branch. The check was from XXXX XXXX and was for a loan against my retirement account. The check cleared the next day. I already had about {$3000.00} in my checking account when I deposited the check. 

On XX/XX/2023, 5/3 Bank put a permanent hold on my checking account and locked me out of my online banking. I tried to call them and when I put in my information, they put me on hold for 30 minutes No one would pick up. So, I went to a branch. 

I was told that there were questions about the {$8000.00} check. I didn't understand since this was a check from a large company. I spoke with a personal banker there and provided him the loan disclosure statement, loan confirmation paperwork and my most recent quarterly statement. I called XXXX and they said they should just call them and they will confirm the check. He forwarded this to the 5/3 fraud department. 

They have still not rectified the issue. They won't call XXXX. They won't bother to do anything. They have returned payments I have made for utilities and other bills. 

I don't know what to do. They have stolen my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: Rosebud Economic Development Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$300.00} loan with XXXX last XXXX due to financial hardship. Since then I have paid {$910.00}, apparently all interest. I decided to pay off my loan early and went on the company 's website to see what my payoff amount would be. I was shocked to find that I would still owe them {$570.00}. That would be total payments of {$1400.00} on a {$300.00} loan for a five-month loan. {$1100.00} in interest ( I'm no math whiz but that's something like a 700 % APR. I don't understand why this is legal. It should be made illegal at the Federal level.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reported XXXX student loans to the credit bureaus as each having late payments from XXXX - XXXX of 2017. During this time I had a consolidation loan processing that held up my IDR application and was told verbally that the accounts would be placed in hardship forbearance since there was no way for me to pay such a high amount when I was unemployed at the time. I also stopped receiving emails about payment reminders, so I had no reason to doubt this was the case. Now I am looking to purchase a home, but because each of the loans ( now consolidated ) are showing as individual late payments it is severely impacting my credit and ability to get a mortgage. XXXX is no longer in business and as such there is no way for myself or the credit bureaus to contact them to have this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian keeps adding old information ( collection ) to my credit profile after removing it followed a dispute

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 2022-10-13
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/2022 mobile check deposit started XX/XX/2022 check rejected with no explanation and a warning not to try to deposit it again XX/XX/2022 after 1 call and a chat no one wants to give me a reason as to why the check is rejecting, only that they cant bc of security reasons, which is frankly ridiculous to me as my name on the check is the same as the account holders 2nd call XX/XX/2022 reached a supervisor and told me they rejected the check bc it's an external bank transfer ( I'm not a financial whiz but this seems like the definition for every check ) and I needed to link that account to transfer funds. The check is coming from my 401k provider so I'm unsure as to how I would link an external bank account to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1971 SSN : XXXX PH : XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX  My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

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 2018-04-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NJ
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:
Equifax is now reporting 1 month delinquency on a credit account. My fico reports do not show any delinquency but it is reported under my score and has recently dropped it. Equifax says that its an error with fico. Im been denied credit due to this issue. Equifax is the only CRA reporting this issue. I have called in and they say they havent made a mistake. I am also completely unable to see the results of my disputes online. There is no pdf available for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: TOLEDO FINANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After refinancing a personal loan with a Company called Toledo Finance, I was unable to complete my obligation to repay the loan. I contacted them and advised that due to my current financial situation that I was not able to do anything. They said that didn't matter the money was still owed and they would continue contact me regardless if I asked them not to do so. Sometime its 2-3 time a day. I have tried to block their numbers, but somehow they still continue to call and leave messages. What are my options if they will not cease? They say that they have to " work the account '' regardless of my situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: AMA Advisors, LLC.
State: NM
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:
My husband and I purchased a home in XX/XX/XXXX with Homebridge Financial. Our first payment was due XX/XX/XXXX. 
I have attempted to pay Homebridge Financial a total of six times for XXXX and XXXX. I was able to pay for XXXX after contacting customer service multiple times to have the " red flag '' that was placed removed from our account. While attempting to pay Homebridge in the months of XXXX and XXXX I was assured we would not be charged a late fee because the issue was Homebridge 's fault. I was also assured that it would not be reported to the credit bureaus which was not true. Homebridge Financial did in fact report it. Both my husband and I had almost perfect credit scores prior to this issue and now it is significantly lower. Please see the following timeline of attempted payments : - Bill of {$1300.00} paid through mobile banking app on XX/XX/XXXX. Payment was then refunded XX/XX/XXXX ( # 1 ) - Bill of {$1200.00} then paid over the phone on XX/XX/XXXX, payment was canceled by Homebridge on XX/XX/XXXX ( # 2 ) - Bill of {$1200.00} paid over the phone on XX/XX/XXXX, payment was canceled by Homebridge. ( # 3 ) - Bill of {$2500.00} paid over the phone on XXXX. The customer service representative stated Homebridge had the wrong banking account information, this was updated at this time. Payment was never posted. ( # 4 ) - Contacted customer service on XX/XX/XXXX regarding previous payment, customer service rep stated payment was placed in a " holding account. '' Payment then applied to the remaining balance. Payment was never processed by Homebrige after being removed from " holding account. '' ( # 5 ) - I then paid my outstanding balance of {$2500.00} on XX/XX/XXXX online through XXXX. At that time I had to input the correct banking information ( Homebridge system had this wrong ). Payment was then processed on XX/XX/XXXX. ( # 6 ) The only way my payment was correctly processed by Homebridge was through the online payment system and correct banking information that I had to enter. 
- I paid my XX/XX/XXXX payment on time and through the online payment system. 
I have filed a dispute on all three major credit bureaus to have my credit score fixed. My husband 's and I credit score prior to all of this was almost perfect and we have never been late on any loan payment. XXXX and XXXX both completed my dispute saying Homebridge Financial responded accurately and no changes were made on my credit report. This is Homebridge Financials fault. We attempted to pay them multiple times and their system failed to process our payment due to their customer service error.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: U.S. BANCORP
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For the last four months I have been trying to have my escrow account analyzed to reflect that I no longer pay county tax. This is because I am a XXXX XXXX XXXX veteran, and my husband is a XXXX XXXX XXXX veteran. I became XXXX XXXX XXXX  in XXXX of 2018 ; my county allows for a tax abatement due to my XXXX status. However, US Bank has refused to perform a proper escrow analysis and they are still escrowing for county tax -- which I do not pay. I have tried to resolve this problem multiple times, and they finally updated my tax payment to {$0.00} ; however, they continually fail to complete an escrow analysis and as result they are still escrowing for {$110.00} for county tax -- which I do NOT pay. I want to know why they are still escrowing for an amount of tax that I do NOT pay ; and I want US Bank to stop doing this. I also want to know the legal authority that would allow US Bank to escrow for an amount of tax I am no longer required to pay.

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 2021-04-01
Company: EQUIFAX, INC.
State: IL
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:
Ive been in contact with XXXX since the beginning of 2019 when I notice a Bankruptcy reporting to me credit report along with hard inquires listed below. There only response was that this information belong to me and was verified. I demanded the method of this investigation contacted the Illinois Bankruptcy court and they said they were not reporting this information. This has hurt me tremendously I've been denied credit and turn away from living and job opportunities. 

hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

ALSO THESE ADDRESS ARE REPORTING TO EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL ; XXXX XXXX XXXX XXXX IL XXXX COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THESE NAMES XXXX XXXX, XXXX XXXX XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX INQUIRIES XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: JPMORGAN CHASE & CO.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 I received two e-mails letting me know I had purchased 3 e-Gift cards. I know I did not do this so I right away cancelled my credit card. Since it happened late at night I waited until the next day to report the fraud to my account at AARP Chase card member services. The charges for the 3 e-Gift cards were from the company named XXXX XXXX   for the amount of : {$100.00} and {$200.00} also {$200.00}. These e-Gift cards were sent to a XXXX account : XXXX which is not my XXXX account so I never received them. The Fraud department at AARP Chase card member service investigated and said the purchases were valid. I called them again to appeal their findings to let them know I did not received them and they were sent to a different XXXX  account. They sent me letter saying the transactions are valid. I can't believe this is happening when I showed them the e-mails sent to me were they have the XXXX  account they sent the e-gift cards too and that it was not to me.

Company response to consumer: Closed with explanation