BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: MO
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 accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Employer : XXXX XXXX XXXX Date Updated : XX/XX/2019

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 2018-02-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have previously filled a complaint against J.P.Morgan Chase bank which I haven't received any answer or solution yet, Chase bank has repeated the same fraudulent practice again by charging me insuffient fund bank fees by switching transactions and date from XX/XX/XXXX to XX/XX/XXXX, I am a victim of this banks illegal practices and would like cfpb to solve my issue which is financially and emotionally destroying me. 
Every month Chase banks fradulatly charges my account fees from $ XXXX XXXX which puts me behind every month to pay bills on time and support my family needs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has a system of checking to see if it's really you by asking XXXX questions about what's on the report and no matter what you answer, it will say that you gave incorrect information and you can't get your report online. You have to print a form, fill it out and mail it in. Equifax does this same XXXX EVERY YEAR. I am trying to get my report to see what's on it, IF I KNEW WHAT'S ON IT I WOULDN'T NEED TO ASK EQUIFAX. All the questions EQUIFAX asks in regard to what might be on a person 's account are bogus. They've been getting away with this XXXX for YEARS! 

Besides filling out a paper application and mailing it in, they request copies of these items : Social Security card / Pay stub with Social Security number / W2 Form / Driver 's License Rental or lease agreement/house deed / Pay stub with address / Utility bill ( gas, electric, water, cable, residential telephone bills ) It's obvious that EQUIFAX resents having to supply the consumer with free information and they make it as difficult as possible to get it. Why don't the government authorities do something about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
State: MS
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:
The following accounts that are listed on my credit report are fraudulent. I have tried to correct this issue multiple times with no success with the credit bureau.  XXXX XXXX XXXX / XXXX XXXX, $XXXX, opened on XX/XX/XXXX.  XXXX XXXX, $XXXX, opened onXX/XX/XXXX.  XXXX XXXX $XXXX, opened on XX/XX/XXXX.  XXXX, $XXXX, opened on XX/XX/XXXX.  The above referenced accounts are on my credit file without my knowledge or consent.  Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I am writing to report fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me, causing significant distress. I have taken immediate action to report this as identity theft. I kindly request your cooperation in investigating and removing the fraudulent information from my credit report and other records. I am willing to provide evidence and take legal action if necessary to protect my rights and seek compensation. Your prompt attention to this matter is appreciated. Thank you for your assistance in resolving this promptly.

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 2019-07-09
Company: LoanHero, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have initially wrote to remove this company however they keep reporting back to my credit. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collectionIssue : Attempts to collect debt not owed

Company response to consumer: Untimely response
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-09-21
Company: DISCOVER BANK
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to DISCOVER BANK XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANKs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: STERLING JEWELERS, INC.
State: MA
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:
Hello, How are you? 
On XX/XX/20 I received an alert that a compony STERLING JEWELERS/XXXX  pulled my credit in which it was not authorized by me. I received a call from one of the representative from STERLING JEWELERS/XXXX  due to having a fraud alert on my credit to verify that I had authorize it and I notify the representative that it was not authorize by me that it needed to be removed from my credit. The representative assure me that it would be taken cared of and until today XX/XX/20 its still showing up on my credit report as a hard inquiry. The company failed to removed the inquiry even after it was confirmed with me over the phone that it was not authorized by me. I need to company to delete this from my credit report from both XXXX  and XXXX  or prove that this account was authorized by me with verification of authorization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX  has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX  is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX. I need help from another agency now.

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 2023-05-22
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX acct # XXXX {$17000.00} In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The credit bureau stated that my account was properly investigated but how is that possible when no prove of my signature was sent me in regards to this company. Also the account opening dates are inaccurate. This is grounds for removal they also violated my rights under 15 U S C 1681 Section 602 states I have the right to privacy.

15 U S C 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish a account without my written consent.

Also states that this item was sold to another company, in which I still have no proven obligation to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In XXXX I applied for a personal loan with Citizens bank after receiving a pre-qualified offer. I was approved for XXXX but, after being persuaded to seek a lesser amount by my Citizens representative, applied for XXXX. A hard inquiry was placed on my credit report and I was approved for the loan. The next day I was a lsked to send documents to an email address, which I did however after I receive no response for a few days I called to confirm the receipt of said documents. We got to the point where I was told I had been given the wrong email address and the representative provided me with the correct email address. Not only did this delay the processing of my application but also put my personal information at risk. I resent the documents on XX/XX/XXXX and received an email notification on XX/XX/XXXX confirming the receipt. No further communication was put forth to me from Citizens Bank until XX/XX/XXXX when I called them. I was informed that less than 24 hours after the documents had been received on the XXXX they had processed a decline because they had not received the information. When I spoke to a manager the story was changed to they could not verify some part of the information. They were not able to tell me which part if my information was problematic just that the only way to reconsider the application was to fill out a new application and have a new hard inquiry put on my credit report once again. This whole experience had been misleading and the fact that I was given the wrong email address to send personal information to is grossly unprofessional and alarming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint with CFPB about Ability Recovery. Ability Recovery stated that they are only the 3rd party trying to collect. XXXX XXXX XXXX are the original debt collectors, but I have never done business with them at all and I absolutely owe them nothing. XXXX had already hired another debt collector and it had to be dismissed because they couldn't prove that this was my debt. Now XXXX XXXX XXXX hired someone else to collect. I asked for proof that this is my collection and they sent the documents attached, which is absolutely not proof. First of all, you will see on page 1, they have my birthday as XX/XX/XXXX. That alone should tell you that this is not me. I was born in XXXX. The rest of the pages just show a name addresses and an amount due. THIS IS NOT PROOF! Please remove the collections from all the bureaus that you reported to immediately because it is affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 BEEN FIGHTING THIS ACCOUNT SINCE LAST YEAR AND THEY HAVE INNACURATE UNVERIFIED INFORMATION REPORTING TO ALL 3 COMPANIES I HAVE ASKED THEM TO DELETE AND INSTEAD THEY JUST KEEP UPDATING WHEN INFORMATION IS COMPLETELY WRONG. ON XXXX IT SAYS LAST PAYMENT WAS IN XX/XX/2016 BUT YET XXXX SAYS NO GOOD PAYMENTS AND TRANSUNION DOESNT EVEN HAVE ANYTHING. I ASKED THEM TO DELETE THIS ACCOUNT AND INSTEAD THEY JUST KEEP REAGING WITH DIFFERENT INFORMATION. THIS IS WRONG AND INNACURATE AND NEEDS TO BE DELETED. I HAVE ATTACHED PICTURES TO SHOW YOU WHAT THEY KEEP DOING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, INC.
State: CA
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:
Back onXX/XX/XXXXI mailed disputes to the credit bureaus, but I never received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Select Management Resources, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I got the loan payed down to XXXX had to refinance it went up to XXXX after paying 4 payments of XXXX I owe XXXX it seems like every time I get it payed down I have to start over I have been paying on this well over a year I can keep doing this its like I am fighting a losing battle I would take any help out there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19
Company: Experian Information Solutions Inc.
State: AL
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:
Contacted Experian, XXXX and XXXX regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2017-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo was servicing an XXXX XXXX Mortgage for My mother which was predatory at inception. The transferred her loan to a subsidiary XXXX XXXX  thought they knew we were selling it and in escrow. She recently passed away and we have sold the property and had received a pay off demand and escrow ( Lawyers Title ) attempted to pay them and they refused to accept the payment demand amount knowing we were trying to close escrow. 1 ) they refused to provide a new payoff demand 2 ) they finally provided one which included egregious fees 3 ) one day later they added more egregious fees trying to prevent he close of escrow. It is my feeling Wells Fargo is using XXXX XXXX to undermine their accountability to your law and authority regarding XXXX XXXX  Mortgages knowing deceased parties or seniors may not be alive to advocate for themselves. They have still not settled with escrow and are trying to unlawfully steal or obtain unwarranted fees for matters that have not yet occurred. We were just trying to pay the debt off. Please submit a heavy fine for his illegal and unjust behavior.

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 2019-07-08
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans are w/Nelnet transferred from XXXX XXXX, XXXX XXXX leader stated XXXX XXXX stated base interest rates were 6.8 %, majority of my loans were 3.+ %. I have applied for a XXXX Loan Forgiveness but they are asking for documents I have already submitted. This has been going on since XX/XX/2019. One young man told me their processing time is so long because they are short handed. They also payments should be {$73.00} and not {$95.00}. XXXX made up a story that I paid an overage which could have occurred when XXXX XXXX had my Loan. Nelnet is making up lies and will not put their explanations in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TD BANK US HOLDING COMPANY
State: MI
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:
XXXX  has been non-compliant with removing the unverified account NORDSTROM/TD BANK Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NORDSTROM/TD BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX credit reported to the credit bureau 30 day late payment.I wasnt late, it was a bank error with my funds being processes. I contacted XXXX in XX/XX/2020, for a goodwill and they denied. Due to not having document from bank. On XX/XX/2020, I submitted a letter head statement from the bank in regards to my payment history and the error which was made.

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