BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 45 days and I haven't received anything. I did my research on the laws and in XXXX XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also XXXX XXXX XXXX XXXX ( XXXX ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Do not send me no automate message I need this stuff fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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: Investigation took more than 30 days

Complaint:
The auto loan company XXXX has removed my file from XXXX  and I have disputed with XXXX  and they removed one payment off of my report but not the whole account. XXXX was in a litigation and has settled to remove bad loans off reports and they have off of my XXXX report. I have proof of the loan erased off my credit report and can send upload. Please assist in this matter in helping clear both my XXXX  and Equifax. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions 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:
XXXX XXXX {, Experian this alleged account is over 7 1/2 years old OVER THE STATUE OF  LIMITATION YOU REFUSE TO REMOVE THIS ACCOUNT STATING PAYMENT WAS MADE IN XX/XX/2015WHEN YOUR OWN OMISSION ON YOUR CREDIT REPORT SHOWS NO PAYMENT in XX/XX/2015 you are commenting fraud and violating my rights respond to the dispute and remove at once I can and will send all documents to congress for an investigation of your credit reporting my congressman was interested in this case when I talk to him, TEN DAYS NO MORE <XXXX you have made false reports on this dispute show were any payments was made to restart the statue of limitation actual documents of be perpared for legal case to be brought forword against you also TEN DAYS, the CFPB is being used as wittness to this case for legal case if need be

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 2020-05-26
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:
someone use my identity and open auto loan, auto insurance, credit card and cable service I am a victim of identity theft I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX ) USAA REVERSES MERCHANTS CREDITS Leaving consumers liable for fraud when they are supposed to be no liability. USAA FABROCATED FRAUD I DID NOT REPORT reversing merchants credits on returned goods. See attatched XX/XX/XXXX FRAUD CLAIM INVESTIGATION RESULTS ( ** I did NOT REPORT FRAUD ON {$210.00} XXXX RETURNED ITEM ) USAA FABROCATED THIS FRAUD. Kindly Note The credits we deposited at beginning of the investigation have been reversed??? See attatched XXXX XX/XX/XXXX statement CLEARLY THERE ARE NO USAA CREDITS TO REVERSE. THERE ARE ONLY. MERCHANTS CREDITS. See attatched FRAUD CLAIM RESULTS XX/XX/XXXX {$120.00} XXXX XXXX ** ( I DID NOT REPORT THIS RETURNED ITEM AS FRAUD. ) Again see XX/XX/XXXX statement attatched THERE ARE NO USAA CREDITS TO REVERSE. THERE ARE ONLY MERCHANTS CREDITS. XXXX ) See attatched CREDIT CARD FRAUD CLAIM of XX/XX/XXXX completion of fraud CLAIM DATE XX/XX/XXXX {$470.00}. Again see attatched XX/XX/XXXX statement. {$470.00} FRAUD I REPORTED ** CLEARLY DOES NOT INCLUDED {$120.00} XXXX XXXX OR {$210.00} USAA HAS CHEATED ME HOLDING ME LIABLE USAA HAS PROVIDED NO FRAUD CREDITS I AM DUE {$340.00}. SHAME ON USAA UNEARNED FRAUD INCOME.USAA HAS ALSO LIED ON MY CREDIT REPORTING I REPORTED FRAUD ON RETURNED GOODS DESTROYING MY CREDIT SLANDERING MY GOOD NAME FOR THE SAKE OF UNEARNED XXXX ) USAA XXXX NOT RESOLVE FRAUD TIMELY!! Kindly Note CREDIT CARD FRAUD CLAIM LETTER OF XX/XX/XXXX ** IS COMPLETING INVESTIGATION OF XX/XX/XXXX. IT TOOK USAA A YEAR JUST TO COMPLETE INVESTIGATION AND XXXX YEARS LATER USAA STILL HAS NOT PROVIDED THESE FRAUD CREDITS DUE ME XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
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: Problem with personal statement of dispute

Complaint:
During the months of XXXX to XX/XX/XXXX I was going through a very serious financial hardship where it was very difficult for me to make my payments. I was not working, I was XXXX  and trying to work with XXXX  on getting my payments figured out. They did nothing to help me and placed 4 late payments on my credit. I was so disappointed because I thought compaines would be more understanding when consumers are put in terrible financial situations. I now have a career job and a roof over my head so I am able to make all payments on time without any problems. I have been a XXXX customer since XXXX and I have never been late for a payment not until XX/XX/XXXX when I was struggling financially.

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 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
have sent 4 dispute letters over the course of 5 months to Transunion disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. ACCOUNTS ( XXXX XXXX XXXX - XXXX ) ( XXXX XXXXXXXX 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 2019-02-19
Company: U.S. BANCORP
State: NY
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:
We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX  ( XXXX XXXX ),  XXXX/XXXX XXXX, US Bank, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with US Bank, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and XXXX ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to Target, XXXX, US Bank, and XXXX. Along with having a full time job we also own an XXXX  business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.

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 2018-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Disputes on XX/XX/XXXX and XX/XX/XXXX regarding XXXX. 

I disputed an account that does not belong to me 3 times. I asked for the investigation results to be mailed with the evidence showing that this is my account. 
I received a letter explaining how they will update my information to reflect my name, address and phone number but nothing showing how they came to their conclusion. The phone number, address, and name is not me. I ask the credit bureau to send me the results with evidence but nothing was provided to me. They keep disregarded my requests every time I called to inquiry. 

I kept asking the Credit Bureau to show me my signatures of any contract with XXXX. They refuse to send me anything. 

The name, phone number, address is incorrect and they will not mail me the evidence they obtain to come to their conclusion.

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 2020-05-28
Company: CITIBANK, N.A.
State: NJ
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:
I have a negative balance of - {$2300.00} on my account and despite TEN ( yes TEN ) requests to XXXX  out my balance in the past several months, the company has not issued a check or refunded the credit to my autopay account. This is illegal, withholding money that is rightfully mine and likely profiting off the balance. This has been on-going for over months now with various pointless conversation to their customer service. The negative balance is a result of dispute from a cancelled cruise, where all proper documentation was already mailed to Citi, and the dispute was resolved and closed in my favor on XX/XX/20.

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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed a few inquiries on my report that I do not recognize

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 2020-07-11
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:
XXXX XXXX XXXX Retailer accepts returned goods for full refund. Full refund is issued. Receipts are printed In store and from computer and filed. Online transaction later reflects different information, which is usually accompanied with temporary fraud and theft of financial records to support what seems to be accounting and bookkeeping projects at the expense of the reporting party. Issue described frequently targets the older transactions soon to be removed from the online history. Task is routine and ongoing and meant to tire person completing bookkeeping online or record keeping onsite.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
1. Have applied for loan modification XX/XX/XXXX and XX/XX/XXXX 2. The lender approved my loan, thy want us to payoff the Homeowners association lien. This lien is in the second position.

3. Modification of the loan does not affect the Lien position of Wells Fargo bank 4. We offered them few options a. Increase the loan amount by {$11000.00} to pay off the lien.

b. There is no requirement to pay off the lien 5. They at this time bent on foreclosing our property.

6. We are making the payments from the day we filed Chapter XXXX Bankruptcy.

7. Our main problems are we can not catch up with the arrears.

8. The arrears can be put into the modified loan amount.

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 2023-06-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The software tried to send me to XXXX and I couldnt access the XXXX and Equifax reports. I asked them to fax me the report to ( XXXX ) XXXX - XXXX. But I am not getting luck. 

I asked for their fax numbers. I want to expidite the recieving of my credit reports so that I can fix and manage my credit. I am needing this get funding. 

Please have them fax me at ( XXXX ) XXXX - XXXX. XXXX and Equifax. If they cant please email them to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to all 3 Bureaus XXXX, Equifax, and XXXX in regards to accounts and inquiries that wasnt mine, that I had not auhtorized, I spoke with a lady who told me she would remove the inquiries at XXXX  by the name of XXXX we went thru the list together and there is nothing done, Ive disputed these accounts to all the bureaus cnothing is being done, you have all these bills on my account tied to addresses i NEVER even lived at, I want something done with this, its not fair that people can just use your information when they feel like it and do what they want with it. I want these accounts and inquiries removed. I filed all reports that needed to be filed. There are 4 collections accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I would liked to get this resolved in a timely fashion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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 sent a letter stating they would correct the past due notice on my credit report, but they indicated the wrong month in the letter. When I contacted them to correct it and report the month of XXXX as not past due, they indicated I would have to submit a new report. XXXX was the last case number that I used for CFPB with all documentation. They are still reporting the month of XXXX as Past Due and it should not have been reported as such based on the policies I presented.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Originally my home loan was with XXXX XXXX XXXX.. no problems, payments on time etc. I had to file chpt XXXX due to a divorce due to ex wife '' s bills but did not include my home mortgage, the XXXX was discharged.My loan stayed on good standing all the time. 3 yeras later XXXX sold my loan to Nation Star and the trouble began, they kept calling and calling stating my mortgage was in the bankruptcy reported it on my credit report. Every statement stated my loan was part of a bankruptcy.. I never missed a payment with XXXX nor with Nation Star when they took over.. then Mr. Cooper Mortgage CO which is part of Nation Star somehow took over my mortgage and once again the phone calls continued. I have never missed a payment with Mr. Cooper either. My mail is unindated with solitation letters offering me to refinance my loan with Mr. Cooper. they continue to call my home phone as well as my cell phone with digital calling.Never leaving a message. In XXXX of this year my now wife answered the phone and he identified himself as Mr. Cooper morgage company to offer refinancing. My wife told him to stop calling our home and cell phone that we are not interested. The phone calls continue. When I researched this company there are pages and pages of complaints on Mr. Cooper mortgage as well ans Nation Star of  their harrassment practices .How is allowed. Doesn't this over see or review the on line complaints. I am a XXXX vet and the phone calls are aggravating as well as an invasion of my privacy let alone the negative statements that my home loan was part of a bankruptcy which it never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX   XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Army and Air Force Exchange Service
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 sent a letter stating they would correct the past due notice on my credit report, but they indicated the wrong month in the letter. When I contacted them to correct it and report the month of XXXX as not past due, they indicated I would have to submit a new report. XXXX was the last case number that I used for CFPB with all documentation. They are still reporting the month of XXXX as Past Due and it should not have been reported as such based on the policies I presented.

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