BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/19 Experian added a collection on my report ( {$1300.00} ) from XXXX XXXX XXXX for the same charge which was deleted on XX/XX/19. They allowed a collection agent to place a debt on my report which the company previously investigated, found to be false and deleted. This is fraudulent and illegal. I believe experian is selling my personal information to outside collection agents.

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 2018-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I filed a complaint with the CFPB on 2 factor authentication problems. At this point I am completely locked out of my accounts with no way to access anything from the website. So this is a new problem and is much worse than the earlier one.

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 2019-10-14
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 status incorrect

Complaint:
Relevant dates : XX/XX/XXXX - XX/XX/XXXX Dispute Nature : Falsely reporting late/missed payments for my mortgage payments Offender : XXXX XXXX XXXX I am a US Veteran and took out a VA Mortgage through XXXX XXXX back in XXXX and have always paid on time and in full without fail. ( in fact I overpay and pay early to lower my interest payments ). 

In XX/XX/XXXX I went abroad to XXXX to get my XXXX with my GI Bill and did not have access to my US address or US phone number. I notified all my banks ( including XXXX XXXX ) and they assured me it wasn't a problem and that they could reach me via email. 

In XX/XX/XXXX XXXX XXXX stopped crediting my account because of escrow readjustments even though they were accepting my payments. They never notified me ( via email, as promised ) and instead held the money in their accounts earning interest at my expense. On top of that, they had the audacity to charge me late payments of {$430.00} despite holding onto my payments and also falsely reported my payments as missed/late to credit reporting agencies ( XXXX, Equifax, XXXX, etc ) causing my credit score to plummet by over 400 points. 

It wasn't until XXXX of XXXX where they threatened to foreclose my house and seize it did they bother to contact me ( via email, as promised ). At that point I had to choice but to immediately pay the fines and bring my account back to good standing. 

After everything was settled, I called XXXX XXXX and the credit reporting agencies to dispute my credit score and XXXX XXXX refused to cooperate and my credit history lies in ruin and they also refuse to reimburse me for the fraudulently charged late fees. 

I am asking for your help in helping me fix this and restore my credit history back to its former good standing. Thank you. 

If need be, I have all my banks statements annotated and highlighted attesting to the validity of my claims, for your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
I applied for car loan in XX/XX/2019, my report shows serious delinquency from XXXX. Also my credit monitor on navy federal credit union also shows serious delinquency on XXXX. I have not been delinquent in any of my loans and no company has called my or sent any letter that i am delinquent. My XXXX fax does not show any delinquency and i wonder why that report is in my account why i do a credit check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained a payday loan in XXXX from XXXX XXXX. My checking account was closed in XXXX due to someone committing fraud on it. As a result XXXX XXXX was unable to collect the debt. A few years went on and I got a call from XXXX XXXX as well as XXXX XXXX XXXX XXXX In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with Ad Astra as well as XXXX XXXX promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX  balance. What Im upset about is that I have called XXXX XXXX 13 times to discuss the removal that was promised. I called Ad Astra 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, 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:
I have submitted a complaint to Alabama XXXX XXXX  as well. They have not responded because they do not have any information as I stated to Equifax and CFPB. They stated that they do to have a recorded of this case nor did they provide Equifax with this information. So, I would like Equifax to provide me with proof that Alabama XXXX XXXX  provided them with this inaccurate information. This is not my account nor is it accurate information. How do I get this matter rectified when Alabama Dept of Human Resource stated that they did not furnish this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to instate a credit freeze with XXXX, XXXX, and TransUnion. All attempts failed beginning at XXXX PST. It looks  like I will have to either call in the middle of the night, or do this by mail. 

Why do I have to pay {$10.00} to anyone to freeze my credit, when it was the negligence of the companies as well as lax data security policies that put 140,000,000 US citizens at risk of identity theft? 

The fact that it is n't easier to secure my identity in this situation is frustrating and infuriating. This process should be almost automatic, not reactionary. 

I want companies like XXXX, XXXX, and TransUnion to have to ASK my permission to use my identity information.

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 2022-10-04
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected PRONTO : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Experian Information Solutions 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 a bunch of fraudulent information on my credit report. 

I never had an account with XXXX XXXX XXXX or XXXX XXXX   XXXX but they are showing up on my credit report. 

I also have several other inaccuracies on my report such as " XXXX XXXX '' another company that I have know knowledge of and have never opened an account with them. 

This is crazy, how can this be happening?

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 2022-10-04
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Experian to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected PRONTO : 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 2019-10-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After recently placing my father into full time nursing care, I came across a CD deposited in The XXXX  XXXX XXXX XXXX from when my sister and I were minors in the amount of {$26.00}, 700. My father and his brother ( my uncle ) were custodians on the account. My sister and I were never told about this account. The CD matured on XX/XX/1992. I presented the CD for payment in the successor bank, Citizens Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a manager there was less than helpful and refused to discuss the account with me even though the account is clearly in my name. Citizens corporate reached out after I filed a complaint to the FDIC. XXXX, from the Office of the Chairman, has acted in what can only be described a a deceitful manner. She is claiming she is not receiving emails from me, and is unable to leave voice mails on my cell phones. I am a XXXX XXXX XXXX XXXX with 32 years of service. I rely on email and voice mail daily and I can assure you XXXX 's claims are preposterous. Citizens Bank corporate, specifically Office of the Chairman is impossible to reach by phone. I am encountering impossibly long wait times, routing and re-routing through jungles of robo-prompts and mysterious random disconnections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I filed a dispute with LexisNexis involving a public record that is incorrectly reporting on my credit report. It is a Chapter XXXX bankruptcy filing XXXX. They are required by law to report all information on my report 100 % accurately. I disputed the information and it was promptly " VERIFIED. I asked specifically HOW the item was verified and I was not provided with that information. I want to know exactly what was " actually '' done. I received a letter from the courthouse stating that they " DO NOT REPORT ANY INFORMATION TO CREDIT BUREAUS. '' If the incorrect information didnt come from them, then I DEMAND to know where LexisNexis got it! 

I have a legal right to dispute information, according to FCRA 623, the furnisher of information. If this information was received from a " vendor, '' then I demand to know the name and address of this vendor. As of yet, these letters serve as undeniable PROOF of LexisNexis failure to conduct a reasonable investigation as required by the FCRA, and their " verification '' of obviously incorrect information. LexisNexis DID NOT CONTACT THE SOURCE to investigate this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This concerns an old Chase Bank Southwest Airlines credit card account that was a charge off. Chase bank contracted with XXXX XXXX, a third party collections agency, in XX/XX/XXXX to collect payment on this account on behalf of XXXX. XXXX retained ownership of the account and the third party collector worked on commission and did not report to the credit bureaus. In XX/XX/XXXX I paid off the above-referenced account. Since the payoff, I have made two disputes regarding the balance for this account with the credit bureaus and Chase. The major credit bureaus are reporting that Chase is verifying the account as having a roughly {$7000.00} balance when in fact it should be XXXX. XXXX XXXX confirms the account has been paid off, but claims Chase hasnt  checked with them at all about the disputed balance. Had Chase contacted XXXX XXXX about the disputed account, as they arguably have a duty to do, then they would have discovered the balance has been collected in full by their agent ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Onemain Financial XXXX XXXX had provided us with a XXXX loan a year or more ago, we've been paying that off at XXXX/month, they called us and asked if we'd like more money, we set up a time and came in and they said they could pay off our car and loan and roll everything into a giant XXXX loan at XXXX/month. Since we were getting ready to sell our house we expected to pay it off within 60 days. Went down to the office on XX/XX/14 and tried to pay it off, thats when they informed me we still had the orig XXXX loan AND the XXXX loan, even though we only got XXXX cash out of the big loan. Thats a total of over XXXX and XXXX per month. NOT WHAT WE AGREED ON and the loan signing was all on computer and it didn't make it clear we were getting a SEPARATE loan on TOP of our orig loan. Not once did they tell us that, make it clear, or check if we can actually afford a nearly XXXX dollar payment. I feel this is wrong and deceptive, we are currently shocked, upset and deeply hurt by this fraud. We are now on the hook for XXXX we rightfully thought was rolled into the new jumbo loan. 

Onemain Financial XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ky XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
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 fraud alerts or security freezes

Complaint:
I 've spent 4 hours trying to freeze my credit with Trans union. There 's not a free way to do it with them anymore. The representative on the phone told me to call back and enter my credit card information into their automated system in order to manage my credit. I 'm so infuriated since freezing my credit with them is impossible since equifax poorly handled my most private information. I do n't know what to do about this.

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 2017-09-24
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 information incorrect

Complaint:
XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity after XX/XX/XXXX. However, once transferred to XXXX in XX/XX/XXXX, they started their account history in XX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
OnXX/XX/XXXX XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXXwas invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
On XX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding XXXX delete this credit line if XXXX ca n't prove they are legally required to report it.

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 2022-02-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just recently noticed that this credit card is for a different XXXX XXXX. I do not have a middle initial of XXXX. I presumably took the credit card thinking that I had created this application but then I just realize that there is a XXXX  as a middle initial. I believe its somebody else open this credit card fraudulently and I begin using it on accident.

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 2018-01-15
Company: Asset Management Outsourcing, 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: Didn't receive services that were advertised

Complaint:
This charge was supposed to be paid through insurance company but was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have a business Chase account that was opened in XXXX. Unfortunately, due to my business not doing well I am not able to make payments on this account. ON XX/XX/XXXX Chase reported the late payments to my personal credit. I called Chase on XX/XX/XXXX and asked them how they can report a business credit to my personal credit report.

They told me that is was in my original contract and stated that if I went 120 days that they would report to my personal credit. I asked the Chase rep to please send me the original singed contract so that I can see where it states that. I got a letter in the mail 2 weeks later from Chase stating they can not locate this contract. 

I am 100 % sure that this account should have never been placed on my personal credit and since chase can not provide the contract they should have this deleted ASAP from my report.

Company response to consumer: Closed with non-monetary relief