BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX I submitted a letter to Equifax in regards to two unauthorized hard inquiries that were place on my credit report reported by the same company named XXXX, first one was dated XX/XX/XXXX and second XX/XX/XXXX. I did not give permission for XXXX to pull my credit. I requested Equifax to delete these two inquiries from my credit report immediately which still has not been done. I've made several attempts to have Equifax to honor this request. Upon speaking with different representatives and the fraud department to investigate this matter I was told that I had to file a complaint with the FTC/cfpc before they would remove these two hard inquiries. I am now reaching out to you to help me to have this matter resolved asap! I also want to state that I sent Equifax documentation explaining in detail my concern and resolution that I'm seeking. This was sent by cerified USPS mail. I received receipt of delivery on XX/XX/XXXX that my letter had been received by Equifax. 
Thank you for your attention to this request, US citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: SC
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 received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

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

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 2021-07-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account is suddenly limited without any valid reason and I have not been able to get help from the customer service team. I have already provided all the information as asked by the PayPal team. But they are not ready to provide me any help and suddenly closed my account and blocked my money for 180 days. 
The email id associated with my PayPal account is : XXXX Email date whereby paypal states that i can no longer do business with Paypal is onXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I reviewed a copy of my XXXX, and Equifax credit report and found various inaccurate names and addresses. The list of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

e remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. 

Type of Account : Inaccurate Address Inaccurate Address as stated on Credit Report XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
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:
I have contacted the credit bureaus and I have filed a dispute numerous times on fraudulent accounts on my credit file! I have also submitted and FTC report on these accounts! XXXX completed my dispute on XXXX and the dispute # XXXX. The did NOT removed these accounts. I called XXXX on XX/XX/29 and spoke to someone in the fraud department who advise the creditor DO NOT have to provide any proof to say the accounts are validated. They also mention they DO NOT have to follow the FCRA guidelines! The credit bureaus are NOT following their guideline per the FCRA to validate a debt or remove the accounts. They are also not responding in a timely manner. I have ask these bureaus numerous of times to validate this debt is mine and they mention they dont have to and it is my job to validate the debt with the creditor. I also have a recording of the fraud representative from experian telling me this but I cant upload the recording.

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 2022-09-13
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: Personal information incorrect

Complaint:
I reviewed a copy of my Experian, and XXXX credit report and found various inaccurate names and addresses. The list of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

e remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. 

Type of Account : Inaccurate Address Inaccurate Address as stated on Credit Report XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL 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 2020-12-16
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a payment for my XXXX payment. The bank charged me not one but four payments. I was able to cancel two of the four but unfortunately two of the payments posted to my mortgage payments. I called regarding the issue and was told I could not request a refund because they would not issue me one and had to go through my actual bank. So I did go through XXXX XXXX was able to issue me a refund for the duplicate payment. Then out of nowhere Freedom decided to issue me a refund check. I then received a letter in the mail stating I had a late charge added to my account. A late charge on a mistake the bank made. They refunded me in their own error. Then I received foreclosure notices, a delinquency was made on my account, my credit score dropped XXXX points. This bank is ridiculous, they are blaming me for a mistake that they made. I have been making on time payments every months. Ever since I purchased the home my payments were made on time every month, now one payment is late not by my own fault but because they refunded me in error and Im being threatened with foreclosure and collection agencies. This is not how you treat people, we are in the middle of a pandemic. Is this how people who cant pay are treated?? I didnt even make the mistake and Im getting attacked on all ends.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have been watching my credit and Transunion has not timely updated my report with the correct up to date information. My score is not calculated correctly as in positive changes to my report decreases my score instead of increasing my score. My score with Transunion is 100 points lower than other bureaus because they are not reporting accurate nor in a timely manner. I have disputed with them in writing about this matter and when I call I can never speak to anyone. This is unfair reporting processes. I need help with speaking to a live person that will be able to understand that they are the bureau thats lagging in time and does not hold accurate information. They should not be allowed to report if the consumer does not have the ability to rectify wrong information. This is unfair!

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 2021-10-29
Company: DISCOVER BANK
State: PA
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/XXXX I just received the report sent to us by Discover about their findings which are completely irrelevant from my previous complaint. It broke down everything from the payments we made to the disputes/fraud charges with XXXX. We made payments during the fraud/dispute charges because we had previous purchases that we had made on our discover card that we were trying to pay off. That is the only reason we made those payments. We did not discover the XXXX charges until we received our bill in XXXX in which we called discover and my husband called XXXX about this. When XXXX would not call us back that was when we kept calling discover. We did billing disputes first because we were not sure what to do since this had never happened before. We were then told by the billing department that we needed to do fraud charges. I added my husband as a user in order for him to bring his credit score up for when we build a house. His credit card through XXXX XXXX was also hacked and his account through them is currently closed because of this. I have new findings that show there was XXXX deposited and XXXX withdrawn. I wish we had this money, but obviously we don't because we did not do this. If we did obviously this would be paid off and wouldn't be an issue. It also shows a credit card listed on his XXXX account ending in XXXX. We do not own a card ending in these 4 numbers. My guess as to what happened is whoever hacked my husband 's account withdrew the winnings to his XXXX XXXX account then to the credit card ending in XXXX. This shows that this was fraud. I am going to upload the new finding documentation below. I am not paying this amount of XXXX that us currently on my discover card because they are fraud charges. When my husband first opened his XXXX account he did sports betting only and hasn't done that since XXXX. He did upload his winnings then to his XXXX XXXX account ending in XXXX. He has not used his account since XXXX and since all of this has happened he has closed his XXXX account-to where he can't do anything, and his XXXX  XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The accounts annual renewal came due. I have not used the card in a year and thought I continued to have a XXXX balance. The past due payment of {$40.00} was due XX/XX/XXXX as of today XX/XX/XXXX Chase closed the account with no phone call to collect the money and no letter. I have been an outstanding and loyal customer with a {$24000.00} credit limit. This is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: ID
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 XX/XX/XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/2019. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.

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 2022-09-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
First, I have an overdraft protection checking account. An overdraft was triggered in late XXXX ( XX/XX/22 ). TD Bank sent me a payoff statement for the overdraft which I paid in full ( {$340.00} ) on XX/XX/22. They latter sent me a statement on XX/XX/22 saying that they have a new payoff figure for the same overdraft of {$1.00}. in interest. I spoke to numerous representatives at TD Bank and they refused to cancel this charge. TD Bank is hiding the real payoff figures in these overdraft situations so they later can charge additional interest causing the consumer millions of dollars nation wide. No where on their statements does it say that this figure is not a true payoff figure. It is clearly obscured and borderline fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: CT
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:
Im experiencing financial hardship, being that Ive been impacted by covid 19 and I have been paying what I can and the credit bureau and ally financial is reporting that Im 30 days late. Due to the pandemic relief packages guidelines the credit bureaus are not in compliance and I made a payment on my auto in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Ditech Financial LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I requested a payoff amount for my mortgage and finally saw a payoff letter online in my account. 

Their system will NOT allow an online payment less than the usual automatic auto-payment amount ( I've dealt with them on this before! ) and to be very clear on what payments were made, I waited until my auto-payment was deducted on XX/XX/19. 

Then, I made an online payment of the balance of the pay-off amount in my pay-off letter on XX/XX/19. The payoff amount is good until XX/XX/19. 

I am very excited and anxious to get the release of my mortgage so thank goodness I am watching this carefully. Yesterday, I get an email with my new monthly statement. It reflects my XX/XX/19 auto-payment and shows the final payoff amount I paid as an " unapplied amount. '' The " more information '' under that says that they will hold these funds until the next payment due date, which for my account is XX/XX/19. Past my pay-off date, which would mean there would be additional nominal fees needing to be paid. 

This is completely unacceptable! 
When I made the online payment, I indicated that it should be made on XX/XX/19 - if they aren't going to apply funds when indicated by the customer, rather just apply them per the usual schedule, they need to make that clear. Actually, they shouldn't be allowed to hold customer 's payments past the date the customer indicated - they are earning interest for those days held, ill-gotten and illegal gains, in my book. 

I have hated every dealing with this company for the last few years since they bought my mortgage. They have incredibly XXXX and misleading practices for customers that I think are appalling. 

Please investigate them and DO SOMETHING!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
XX/XX/2022 .I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating that " They do not report any bankruptcies to anybody.So if that's the case.How did the credit bureau add my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681 section 603 ( 3 ) States ; The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge conceming any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1881. 

According to 15 USC 1681 section 602 A. States I have the right to privacy According to 15.11.5.0.1681 Section A Section 2 also states..comodi.ac. can not fumisha account without a Uten instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am the cosigner on a private student loan being serviced by Firstmark Services. The loan was scheduled to be put back into repayment status with a payment due on XX/XX/21 of XXXX due. 

On XXXX I made a payment of XXXX toward what was due. Firstmark Services continues to tell me the XX/XX/21 is NOT paid and the due date has NOT advanced 1 month. Firstmark Services considers this an overpayment, however, the amount due was paid. The servicer is in error. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: SC
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: Billing dispute for services

Complaint:
On XX/XX/XXXX XXXX and Equifax let a company called XXXX XXXX XXXX in SC, open and close accounts, the same accounts only to change the account numbers. But they they opened back up the very same day and this went on 6 ( six ) times on each agencies report, without anyone verifying me any suspicious activity this went on from XX/XX/XXXX until XX/XX/XXXX. This also went on with XXXX XXXX XXXX but it only happened 2 times open and close and open and close again. Opened on XX/XX/XXXX and closed on XX/XX/XXXX then turned around and opened the very same day it closed XX/XX/XXXX to XX/XX/XXXX. your reporting old information letting it be remanufactured without verifying. So who knows what you were allowing before this latest report that I received on the XXXX of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
On XX/XX/2022, I sent CHRYSLER CAP a notice of unauthorized inquiry that has caused damage to my credit file. By law CHRYSLER CAP had 10 days to respond to my notice showing proof they were given written consent by me to access my credit file which they have not. They are now in default and are continuing to violate my right to privacy as well as my federally protected rights as a consumer. I do not give CHRYSLER CAP any consent to access my credit for any reason. I have also filed an identity theft report for their unlawful behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: CT
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 filed a Police Report with the XXXX Police Department and Submitted the Police Report via Certified mail to all 3 bureaus XXXX, XXXX, Equifax. Requesting to delete all fraudulent accounts written on the police report and FTC report submitted XX/XX/XXXX. They have not deleted the accounts. 
I respectfully request the help and assistance of the CFPB to assist me in removing these negative fraudulent accounts from my consumer report as per 15.USC 1681 E. XXXX XXXX VIOLATING MY RIGHT TO PRIVACY BY REPORTING INCORRECT INFORMATION ON MY CONSUMER REPORT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief