BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$990.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted as soon as possible. 
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 2019-03-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing is overcharging my mortgage escrow account by hundreds of dollars monthly. For the past few months, I have asked Lakeview Loan Servicing to do an escrow analysis of my mortgage payment and they continually ignore my requests. I have provided all the appropriate information and forms and they have not acknowledged receipt. 
They continually reply to my emails with a statement that says we will respond within 5 days and they do not respond, ever.

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 2019-03-22
Company: Experian Information Solutions Inc.
State: KS
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:
There are many mistakes appear in my report without my understanding.

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 2017-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion took 85 points off of my credit scores for no reason all, this has been. Recurring issue

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 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, my name is XXXX XXXX. I just got a copy of my credit report and there is misinformation about my residence that claims wrong information regarding my place of residence that makes it that much more difficult for me. So the apartments that I live in used in was a XXXX XXXX XXXX a couple of years ago but was remodeled and turned into actual long term apatments with a lease being signed and its definatly not a hotel anymore. For some reason on my credit file it has a special section that says my main address is a hotel/motel. Thata not fair and its holding me back in a couple areas of getting my credit score up. The apartments I stay in are named then XXXX XXXX XXXX. The address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA. I have a signed lease agreements that make the info on my report incorrect.

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 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I received my copy B of the IRS 1099-C form that was processed and accepted by the IRS for XXXX XXXX Account : XXXX, discharging this debt. My XXXX XXXX account has not been updated to reflect that this account is paid in full, I have not received title of the vehicle, nor has my credit report been updated to reflect that this account is paid in full. The responsible parties to insure that the proper rules are followed regarding the issuance of securities and who protects the interest of the investors are both XXXX XXXX XXXX XXXX XXXXXXXX and the indentured trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX with XXXX XXXX and General Counsel, XXXX XXXX XXXX, as responsible signor. ( attached is the accepted Copy B 1099-C form )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the inquiry listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law and remove all negative items listed below : 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 2023-06-21
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was contacted by a landlord for a rental property I inquired about online. They texted me and called me with all of the information. Had me to go online and submit my ID and I submitted a picture of my passport then I was instructed the application fee was {$75.00} and I also paid a {$400.00} deposit. I was then sent an email saying that I was approved to move in. I was also told my move in date is XXXX XXXX and I can meet them in person to pay my rent and get the keys and my lease for the house. I was contacted by the real management company for the house and I was confused and told them someone had already approved me for the house. They told me they don't know the person or the telephone number that I was called from and that I was scammed. I was also told I was given the incorrect amount of monthly rent and they told me the real rent of the house. I am worried because now this person has a picture of my passport and my amount info and my entire identity and now have my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received Escrow Account Disclosure Statement via mail on XX/XX/2018 for tax and insurance payments. Based on their analysis a have a shortage of {$1500.00}. Therefore, my monthly payment was increase. 
I regularly paid my monthly mortgage payments and I pay extra amount for the principal balance. The company did not apply my payment to the mortgage.The money they received was placed in suspended accounts. They are asking for escrow account and charging me with late charges. 
My note during the closing of the mortgage does not require to have an escrow account for the taxes and insurance premium because it was agreed that I will be responsible for paying for it.Since that time I am the one who paid the taxes and property insurance. 
I called several times and spoke to customer service with out result.On XX/XX/18 I spoke to XXXX specifically. I wrote them letters but still no result. I still received statements stating that my account is past due.

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 2021-04-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing an Identity theft affidavit as well as a police report and the required documents for Identity verification. Equifax sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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 am writing to file a complaint about fraudulent use of my identity by XXXX XXXX. I have recently discovered that my credit was checked and I have a hard inquiry by these companies without my permission, and I have no knowledge of who they are or what they do. 

I strongly believe that this action constitutes identity theft and a violation of my rights as a consumer. I never gave any consent or authorization for XXXX XXXX  to access my credit information, and I have never had any business dealings with them. 

I request that any negative information associated with these unauthorized inquiries be removed from my credit report immediately. I also request that an investigation be conducted into the matter to determine how my personal information was obtained and used without my knowledge. I want them deleted now. 

I appreciate your prompt attention to this matter and look forward to hearing back from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, 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:
I originally started disputing inaccurate items on my credit report on XX/XX/2020 with XXXX, Equifax, and XXXX. I included documentation showing that I was affected by the Equifax Data Breach & a victim of identity theft. When I did not hear back in 30 days, I sent another letter on XX/XX/2020 notifying them that they had failed to uphold my rights as a consumer. To date, I still have not received any correspondence regarding these accounts from the bureaus. It has been 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
good morning today is XX/XX/2019 i have tried 4 times to dispute items on my experian report but all iam getting with them is the run around or getting hung up on they are some nasty people that works there somebody needs to take a look at that company,,, Here my complaint account # XXXXxxxxxxxx XXXX   XXXX XXXX they calls me all times at night and i really dont like it they say i owe them money and i told them to seen my info saying i owe them and they never sent nothing but they still call me all night plz tell them to remove this account off my credit report its not mines, ,Next account XXXX XXXX XXXX i tried to disput this account with experian they hung the phone up in my face the account # is XXXXxxxx they have alot of 120 lates and 90 day lates that are not mines its not right ... .XXXX XXXX XXXX  XXXXxxxx this account i have no idea about it i told experian about it they just said its on my credit now nothing they can do i need this account gone asap ... ..XXXX XXXX XXXXxxxxxxxxxx i have no clue about this account somebody i think got this in my name,,, ,XXXX XXXX XXXX XXXXxxxx i  have disputed this account with experian and keep coming back verivied but i got it remove off the other two credit reports its not my account sorry for a long story but its aginst the law to report fraud accounts on someone credit report and then try to ruin someone life for the rest of there lives with bad credit it is not right

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 2020-10-21
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: Investigation took more than 30 days

Complaint:
They are saying the complaint is not by me. I AM XXXX XXXX. THIS COMPLAINT IS FROM ME. Stop being XXXX and trying to use every excuse in the book not to address the issue which is the fact that you did not investigate in 30 days!

Now try another excuse ....

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 2019-03-22
Company: Trojan Professional Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I challenged XXXX and XXXX to remove the below dispute and both did ( see example below from XXXX. However, as of today, it's back on my record. To make matters worse, I attempted to dispute it 5 times via their online site and it didn't work. Then I called them, and when I finally spoke to someone in the XXXX with a heavy accent that was difficult to understand, they hung up on me. So I called them again, and again they hung up on me. Mind you, I was not rude or angry in either case. They blamed it on their " Signal ''. They're a bunch of thieves! 


XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. 

XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$150.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

Dispute Reason Ownership : I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my Walmart credit card off on XX/XX/2020, on XXXX, XXXX, I was charged interest fees on my paid in full balance of {$46.00}, Capital One refuses to reverse this charge. I would like the charge reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: JPMORGAN CHASE & CO.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern, XX/XX/XXXX I, XXXX XXXX, scheduled and underwent a XXXX  XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX. I paid a XXXX dollar deposit :XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) which was required in order to hold a XXXX date. The charge was deducted from my Chase credit card. I was informed the deposit would be deducted from the total cost of the procedure which was XXXX. The total cost of the procedure was XXXX, which was deducted from my XXXX XXXX account on XX/XX/XXXX. I was also informed if I was going to pay cash, the amount of the procedure would have cost XXXX but because I financed the procedure, it would cost XXXX. I have contacted XXXX XXXX several times since my procedure in effort to request the {$300.00} and {$200.00} deposits back to my Chase credit card. Each time I call, I am told someone will call me back. I have not been successful resolving this issue. I demand XXXX XXXX return {$500.00} to my Chase credit card immediately because I was charged the full financed amount of XXXX on XX/XX/XXXX to my XXXX XXXX account, which I have attached a copy of my billing statement to this complaint as proof. Ive paid a total of XXXX and should have only been charged XXXX. Please resolve this issue ASAP. Please forward correspondences to : XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX or email address : XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: JPMORGAN CHASE & CO.
State: CA
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:
I have account alerts enabled on my credit cards that will send me messages when online purchases are made. On XX/XX/20 at XXXX, I received an email saying my card was used online at a light store for {$850.00}. I immediately called Chase and alerted them that I did not make that charge, which led to them canceling the card and sending a replacement. After their own investigation, they deemed the charge legitimate since the purchase was made with my name and address. 
I was able to contact the merchant where the item was purchased and get the IP address of where the purchase originated. After looking at my router and contacting my ISP, I was able to confirm the IP address has never been associated with my house or devices ; we were on lockdown due to Covid-19 and did not travel anywhere at the time of the fraudulent purchase. 
The merchant also informed me that the delivery of the fraudulently purchased item was to be shipped to my address, but someone was able to call the shipping company and change the shipping address to a residence a few miles away. 
I informed Chase bank repeatedly with these facts and with documents from XXXX and have heard no response. I am still held liable for the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
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:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX Balance : {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I first tried to close my account via telephone with Capital One in mid XXXX. I asked that the funds by send to my XXXX XXXX XXXX XXXX XXXX account which had an ACH / transfer relationship pre-established with the Capital One account. After a couple of weeks I noticed that the funds had not gone into my XXXX account and that the Capital One account did not appear closed. So on XX/XX/XXXX, I called Capital One and asked what happened. They told me that there was " a problem '' with transferring the funds to my other bank. Which was odd because the funds in the Capital One Savings Account were originally transferred from the XXXX account quite easily. But they never bothered to contact me or anything, they just stopped the process. 

So on XX/XX/XXXX, I also requested, again, that they close my account and send me a cashier 's check. Online the account is closed, but as of XX/XX/XXXX I have not received a check. I call them on XX/XX/XXXX and the representative tells me that the cashier 's check for over {$10000.00} was sent by regular postal mail. No tracking, no nothing. She tells me that she will have to " open a case '' which could take 3 to 5 business days. And that only then they will cancel the original check. Then they " may '' have to mail me, via post, an affidavit ( which I assume I will have to mail back ). More and more time. At that time it will take 7 to 10 business days to cut me a new check. Which will then be mailed again via regular mail, no tracking, no signature required. No chance for FedEx to get it to me right away since now it's been weeks and weeks and weeks I've requested my money- which is over {$10000.00} and quite a lot to me. 

I absolutely do not believe they original check has been cut and sent. I have never had problems receiving my mail at my location. New credit cards, important checks. Anything. Capital One needs to resolve this and send me money in the fastest way possible.

Company response to consumer: Closed with explanation