BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: MA
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:
Hi, my name is XXXX XXXX and i was going through my credit about 2 accounts attached here that continues to show on my credit report, but however, it's my understanding that XXXX XXXX was involved in litigation in the way that they writing loans to their consumer. It was my understanding that there were alot of fraud going on, but also, this account is not verifiable because there are multiple inaccuracies reporting. Such as 3 different dates of last open, dates of last active, dates of last payment, dates of last reported, dates of 1st delinquency, inconsistent with the payment status and payment history. It's my understanding that once an account is charge off, sent to collection and closed, there shouldn't be any more payment history reported after. Also, the 1099c balance is questionable with the balance reporting. Please investigate and delete as it's not verifiable and too many violations reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
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:
I contacted Trans union regarding this account notifying them that this account was not mine I never attended this school. I asked Trans union to verify this but they verified it was my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Maximus Education, LLC dba Aidvantage
State: AZ
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 filed a dispute in regards of the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi, my name is XXXX XXXX and i was going through my credit about 2 accounts attached here that continues to show on my credit report, but however, it's my understanding that XXXX XXXX was involved in litigation in the way that they writing loans to their consumer. It was my understanding that there were alot of fraud going on, but also, this account is not verifiable because there are multiple inaccuracies reporting. Such as 3 different dates of last open, dates of last active, dates of last payment, dates of last reported, dates of 1st delinquency, inconsistent with the payment status and payment history. It's my understanding that once an account is charge off, sent to collection and closed, there shouldn't be any more payment history reported after. Also, the 1099c balance is questionable with the balance reporting. Please investigate and delete as it's not verifiable and too many violations reporting.

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 2017-04-25
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to get the loan modified and I was given bad information resulting in not enough time allowed to modify before the sale date. I did receive help from the hardest hit fund, and the balance does not reflect properly considering the payments that were made by the hardest hit fund.

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 2020-12-23
Company: DISCOVER BANK
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:
My discover card with acct no XXXX was stolen and my card was swiped by unknown suspect and due to that incident my credit is ruined. 
My wallet was stolen on 2018 and I had talked to the customer service during XXXX or XXXX of 2018 and reported about this issue but they have not cleared this issue and reported me as charge off on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Checkr, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently applied for  XXXX , and they perform a background check on me through  checkr . Background report is wrong, and I submit a dispute. On  XXXX   XXXX  I receive an email from checkr, and I contacted them the following Monday regarding the report and I spoke to representative  XXXX   XXXX  nothing is being done, advise their review in complete on  XXXX   XXXX  wait for  XXXX , and  checkr  also advise me their source is right checkr cause me a job or contract that pays up to {$1500.00} a wee k I m s uing under fcra wrongful reporting and punitive damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: LA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There is an inquiry from "  XXXX  ''. I have not done any business with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: FL
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:
Hello all I am having an issue with the 3 credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never XXXX nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On  XXXX   XXXX ,    2017, I completed a balance transfer using a promotional check sent to me via mail by Discover. I  receive them all the time but never took advantage of one until now. I transferred my balance and made my first payment. After realizing that the payment was higher than it should have been I contacte d Discover. O n  XXXX   XXXX ,  2017 , I spoke with  XXXX  in the Ohio location. After placing me on hold for several minutes she found that the reason I was charged additional was because the check processed was allegedly for a regu lar cash advance only a nd not the promotional offer. She said that they place  two  types of checks in the envelope-both  cash advance and bala nce transfer. I explained to her that this is misleading and confusing to a consumer for them to place both types of offers into the checks. I am sure that several others have made the alleged mistake that I have made before if they were not careful. I asked  XXXX  what could be done to resolve and she said that there is nothing that can be done. After almost 8 years with this company, I will be transferring my balance to a legitimate, ethical company ( i.e. my personal bank or  XXXX   XXXX  ) and closing out this car d. Discover 's practices a re deceptive and I feel so disgusted that they would take advantage of me in this way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Apparently in XXXX a debt collection company by the name of Peroutka, Miller, Klima & Peters purchased a credit card account in default that supposedly opened under my name. In XXXX I received and summons from court stating that I have broken the agreement and I was being sued for the amount of {$7600.00}. I contacted this company explaining I had no knowledge about this account or knowledge about any agreement on paying this debt off. I explained that on the summons there were several addresses on there that were not mine and had never lived at those places. The company then got very rude and started falsely accusing me of lying about the entire situation and that is was in fact me that made the payment arrangements. I told this company that that I had to be a victim of identity theft and I wanted to take actions against it. The customer service rep then told me the last known payment and address that was given and I immediately recognized the address as belonging to my ex wife 's and her boyfriend 's and I told the company service rep. Nothing was done afterwards until after a year went by and once again I got a letter from the company stating I was to pay the account off. I called once again explaining I was a victim of identity theft from my ex wife who knew my social security number and that I was not going to pay on a account that wasn't mine. They customer service rep then explained that they were sending me a packet for identity theft claim and I was to sign it and mail it back. About two weeks later on XX/XX/XXXX I received a letter from court stating that the pursuit of wage garnishments was dismissed. I thought finally this is all done until yesterday XX/XX/XXXX when once again the debt collection agency sends me a letter stating that I was offered 60 % off the debt on the account that i thought was done and closed. I contacted the company asking why I'm receiving this letter and they rudely explained that they never received my packet for identity theft. I told the rep why it took 3 years to finally send a letter and not receiving the packet and no answer! So once again I'm having to stress about getting this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a XXXX mortgage loan opened in XX/XX/XXXX that is serviced by Wells Fargo. I have never made a late mortgage payment ( with WF or any other provider ). 
In XX/XX/XXXX, I requested the mortgage forbearance program Wells Fargo calls " short term payment suspension '' from XX/XX/XXXX - XXXX XXXX ( 3 months in total ). I was qualified for 18 months, but chose instead to resume payments beginning in XX/XX/XXXX. 
Related, under Minnesota Statute 47.20 subd. 9 ( b ), borrowers have the right to discontinue escrow accounts after five years. Wells Fargo was late in notifying me of this right : I was owed notice by XX/XX/XXXX ( five years after loan origination ). They notified me in XX/XX/XXXX, along with a " we're sorry we didn't notify you when we were supposed to '' letter. This timing collided with my request for forbearance, and was declined. 
Now it is XXXX and I have well resumed timely payments, I inquired again about discontinuing escrow payments, but have been told via letter and phone call/s that my " late '' payments disqualify me. I have no late mortgage payments : I used a CARES Act-enabled payment forbearance. 
My complaint, then, is twofold. Wells Fargo considers my forbearance program participation to be the equivalent of " late '' payments. I ought to have no late payment records. Second, my Minnesota statute-enabled right to discontinue escrow account is being denied because Wells Fargo was one year late in notifying me, and ( subsequent to the CARES act forbearance ) now consider me a " late '' payer and somehow unqualified to exercise this 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 non-monetary relief
Consumer complaint received 2021-06-07
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
Card : Chase Intercontinental On XX/XX/XXXX and XX/XX/XXXX, my credit was used by someone at XXXX XXXX store. I immediately contacted Chase when I saw these transactions on my statement that I did not recognize and was told by Chase fraud and customer service that these would be taken care of. They credited me but then these charges somehow were added back to my statement that I did not realize until XXXX. I called them again but was told they could not verify it was not me who used the card and made the purchases ... I requested an investigation - 20 days later, I got an email from Chase saying they have looked into it and decided these should be my responsibility - no one called me to explain why. At this point, late fees and interests were also added to this card. I called them again was told they needed additional documents to prove - fine, I went to the XXXX XXXX store and the store manager was able to help me print out the detailed transactions, turns out that the person who used my card bought a bunch of gift cards then used those gift cards to self check out at that store - how is this not suspicious ...? The store manager also told me they could provide video footage to Chase if they contact them, due to privacy reasons they are not able to share directly with me. I immediately sent these to Chase to let them know what the store manager told me - no response. Till today I'm still responsible for the charges, late fees, and interest fees. Plus, my credit score went down 101 points today because of this. 

I'm making an official complaint and request an investigation of this matter. Please let me know if I can provide anything else to help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 I tried to purchase furniture using my new Costco Citi credit card to purchase furniture for the apartment I had recently moved into, I had used this card to purchase gas a few miles away earlier that day. The purchase was marked as fraud ( when it was not ) and so they froze my card. When I called the tell them it was not fraud I was told to verify my account info, which I did, and from there they told me I couldn't get a code they needed ( for some reason? ) to unfreeze my account via text, which is apparently an option, but for some reason they couldn't do. And was then asked about other phone lines I had for them to call, which once again I didn't have. The only option then presented to me was for them to mail me a piece of paper with a reference code for them to unfreeze my account. Which I told them wouldn't be feasible since the mailing address mail would be frozen for the next month. I was told it was the only option and so I accepted that I wouldn't be able to use my credit card for the month while I waited for the mail to be unfrozen. Flash forward to XX/XX/XXXX and this piece of mail still hadn't arrived so I called them again and they said they would send out another letter. It is now XX/XX/XXXX and I still haven't received it so I called them once again and still my only option is this letter and its now been over 2 months since I've had access to my credit card.

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