BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have requested that Experian ( EX ) update the bankruptcy reporting file date in my credit report. I have submitted documentation supporting the inaccuracy. EX is reporting a incorrect file date for the case number XXXX. XX/XX/XXXX, EX stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. XXXX ( XXXX ) third party vendor states that the public record information obtained has been resold to EX. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
EX filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. 
EX continues to report XXXX/XXXX XXXX XXXX account inaccurately the account balance is inaccurate by approximately {$2500.00} and the balance is 75 % below high credit. 
EX continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account was in the file for 7 years I am requesting that EX permanently report my correct file date as confirmed by XXXX. 
I am requesting EX method of verification. 
I am requesting EX update XXXX XXXX account and XXXX 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 2022-07-08
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX I filed a claim for a transaction in the amount of {$95.00}. I did not recognize the transaction. Chime denied the transaction within hours of my submission. I asked for the documents used in the course of their investigation on XXXX XXXX. Chime responded that it could take XXXX days to provide me with these documents. On XXXX XXXX I still had not received the documents. I called and spoke with XXXX around XXXX. She advised that Chime emailed them to me on XXXX XXXX. However, I have my own domain email and email server and can check the email logs to the most granular level. A search of my server logs from XXXX XXXX to XXXX XXXX shows no email from Chime was sent, received, rejected, or deleted from my email address. Claim ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, Transunion, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without my written instructions.

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 2020-07-06
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: Public record information inaccurate

Complaint:
I have filed several disputes with Experian in regards to a public record item on my credit report. I have even filed with CFPB each time Experian has responded stating they verified the information the first time they stated they verified with XXXX XXXX I have attached proof from XXXX XXXX that they have no file on me Secondly Experian states they verified with US Bankruptcy court I have attached proof from the US Bankruptcy courts that states Experian didnt revive this information from them Attachments letter from US Bankruptcy Court Letter from XXXX XXXX Photo ID

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
Please investigate these matters and look into my credit report it had been more then thirty days and these items are still on my report these items have not been validated on my account have not received proper validation as to why these items are on my account have not received any proof

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please attached Document stating where I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.

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 2021-08-11
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: Information belongs to someone else

Complaint:
Around XX/XX/XXXX, I submitted a dispute because there was a few fraudulent accounts on my credit report. I have nver done any business with these companies. I am not a person that checks their credit frequently but i check it because i am trying to get a house for my family and i saw the fraudulent accounts. I reach out to the credit bureaus XXXX  XXXX and transunion regarding these accounts and they explain to me that i need an FTC report. i am asking that these account to be removed from my credit because ive nver done business with these companies.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised i have no idea who couldve done this to me. As I pulled my report I saw an outragous amount of accounts under my name that were not mine. Please delete these items from my report.

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 2018-09-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been disputing also with JPM Chase via the 3 major credit bureaus for the past few months and they have refused to provide what has been requested during this process : an original instrument of indebtedness -- bearing my actual signature -- verifying the validity of the account. They have refused to provide this original consumer contract for MONTHS and the bureaus have been complicit. ( I submitted a complaint on all three of them as well. ) Under the FCRA, a company MUST provide to the consumer what has been requested. Further, never is a company to just STATE that an account is " verified '', " accurate '', and " valid '' without actually proving these to be so. I am outraged that in 7 months, I have not received what I requested. It is extremely important to my person and identity as a consumer to make sure that what is reporting in my credit files has been TRULY, PROPERLY verified & validated. I DEMAND that JPM Chase provide an original consumer contract / original instrument of indebtedness in its original form ; if they do not, then I demand that this account be IMMEDIATELY DELETED from my credit reports. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. It is a crying shame that it takes upwards of 7 months of pleading to get what you're owed as a consumer. Companies like this hide behind the bureaus and assume that most of us will just give up on trying any further to dispute and request required info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: FORD MOTOR CREDIT CO.
State: AP
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I pulled my XXXX and XXXX XXXX credit reports because I needed to verify that the status of this account is current. I'm XXXX XXXX military and because I had some missed payments in the past, my security profile was flagged for financial discrepancies, which in turn could affect my security clearance to do my job if I didn't provide justification or proof that everything is good. 
My XXXX report showed that this account status was good and current, but my XXXX XXXX report showed status unknown or something like that. It didn't match the information that was showing in my eXXXX report. So I disputed it, thinking that they would be matching afterwards and maybe something got missed or overlooked and wasn't updated. Instead the exact opposite happened, after the dispute, XXXX XXXX said that my account was charged off back in XX/XX/XXXX, because they didn't received any payments and had unsuccessful collection attempts. I'm not understanding how or why this account got charged off, and for them to say that it was charged off ( apparently 36 times according to my credit report ) because of unsuccesful collections attempts and they have record of this. If they have records of this then what happend to the money that was sent and collected by them over the past 3 years. How come none of this was recorded?? Now my account that was in good status was passed onto a collection agency ( XXXX XXXX XXXX ) and its for the amount of {$20000.00}. I know this is not correct because this is what was owed according to my XXXX Credit Report, but my bank records show that from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX received {$4000.00} in payment for this debt. The last payment I sent was in XX/XX/XXXX and I only stopped paying because something is not right with this situation and I want it resolved before I resume payment on this debt. I definitely do not want to go thru with the collection agency especially if they're trying to collect $ XXXX from me? I know I don't owe that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I have a Mortgage with Bank of America, during the market crash we tried to refinance using the making homes affordably program. bank of America lost our payments and application information many times ( at least 7 ) and said it was not submitted either in time or not at all. depending on who i contacted at the time this information was incorrect and they did show the payments and all the submissions we sent and were read back to me and confirmed to be there by Bank of America employees. 

This lead to foreclosure starting and many legal fees for me to try and fight it, I final received a preditary modification with rely bad terms, it also included all the cost that Bank of America caused, these were added on the end of the loan as a {$300000.00} balloon payment, I had no choice but to sign it or loose my house. 

I asking help getting these cost removed and get the better rate as we originally applied for as these costs were not my fault and Bank of America will not accept responsibility for them, i do have all the payment information and the applications and transactions with Bank of America but there is a lot and it fills at least one bookcase due to all the re-submissions and re-applications, I did make temporary payments on two applications that they said one was not the correct amount even though the agent confirmed the amount with my Wife and I, the other they said did not qualify due to the house value that was later revised and confirmed they had made a mistake. they said once it was closed nothing further could be done with it. 

The only way I got them to do the current modification was to use a very rich investor friend to threaten that he would remove all of his investments if the did not do something, I got a call from the vice president of Bank of America stating they would only provide the preditory modification due to his request. 

Please help i do not know what else I can do as the Bank has done nothing but lie about processing my making home affordably application

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 2021-02-03
Company: Kriya Capital, LLC
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I called Equifax to investigate a score discrepancy, which was the recommendation of my credit union. The representative from Equifax sold me on their " Premiere paid service '', which would give me my accurate credit score. I paid for the service and monitored my score daily, paying off more than 70 % of my revolving debt. After 30 days, my Equifax score increased to XXXX, which was more than enough to qualify for a loan. The same day my credit union pulled my report, they showed an Equifax score of only XXXX, which did n't meet the minimum score of XXXX. After talking with the credit union, they recommended contacting Equifax to discuss why there was such a drastic difference in score from the same company. They sent me copies of the report pulled and the score of XXXX, which i then contacted and sent the report to Equifax. It took 6 calls, over an hour of holding and multiple emails, just to get a supervisor and his response was " the score you see on our site, which you pay for is n't what the bank will see ''. I asked him why that was n't disclosed to me before I paid for the service and his response was sorry I ca n't help you. I feel deceived, as I was sold a service that is showing a fictitious score which is completely irrelevant to a lending institution. A credit score should match across multiple sources of the same information, whether it be XXXX XXXX, Equifax, XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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 have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & are in error that need to be delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the recent XXXX breach, it was strongly recommended that I participate in their 1 year credit protection through a 3rd party. In addition, I wanted to freeze information at other agencies : TransUnion, XXXX, etc. I was rudely surprised to find out that I would have to pay a fee to have this done. 
I did not solicit any interactions with these companies ; I did not ask them to track all of my purchases, credit history, etc. Why do I have to pay to have them stop monitoring me? 
I do not want or need any of their services, yet I am supposed to pay to NOT do business with them? Extortion?

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 2022-11-21
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: Account information incorrect

Complaint:
I have contacted XXXX XXXX XXXX XXXX on several occasions through out the year. beginning in on XX/XX/XXXX XXXX, XXXX XXXX and XX/XX/XXXX XXXX have been given the run around and the inaccuracies still remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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: Information belongs to someone else

Complaint:
XX/XX/2018 XXXX made a fraudulent hard inquiry to my Transunion report. Transunion has been unwilling to help me address the extensive fraud on my report and instructed me to contact each creditor. I have been unable to reach this company on my several attempts by phone.

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 2018-09-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested that Equifax ( EQ ) update the bankruptcy reporting file date in my credit file. I have submitted documentation supporting the inaccuracy. Equifax is reporting a incorrect file date for the case number XXXX. Equifax replied that I am a credit repair company, due the verbiage use in my complaint. I am enclosing a copy of my XXXX that verifies my name. The XXXX proves a level of competency. XX/XX/XXXX, EQ stated that case number XXXX Chapter XXXX bankruptcy has been verified as accurate and the file date is XX/XX/XXXX. EQ states that the public record information obtain was from a third party vendor XXXX ( XXXX ). EQ states that if I have any additional further questions contact US Bankruptcy Court. XX/XX/XXXX XXXX reported that case number XXXX filing date for Chapter XXXX is XX/XX/XXXX. 
EQ filing date conflicts with XXXX their third party vendor. The US Bankruptcy Court states that they do not report to credit bureaus/agencies. 
EQ continues to report XXXX XXXX XXXX account inaccurately the account balance is inaccurate by approximately {$2500.00} and the balance is 75 % below high credit. 
EQ continues to report a collection without a date of last activity or date of last payment for XXXX XXXX ( XXXX ). XXXX does not have a date of last activity. XXXX only show the date the account opened and the last activity are the same XX/XX/XXXX. Please update my file. XX/XX/XXXX the account wil be in the file for 7 years I am requesting that EQ   permanently report my correct file date as confirmed by XXXX. 
I am requesting EQ method of verification. 
I am requesting EQ update XXXX XXXX account and XXXX account.

Company response to consumer: Closed with explanation