BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: OH
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 am trying to access my credit file for business. My XXXX  credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX is my info. Please REMOVE/DELETE the fraud alert Notes from my file so I can access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 sent all three credit bureaus a certified letter, requesting an investigation in to this hard inquiry from capital one on XX/XX/18. It has been well over 90 days and they have never responded back. This has cause me a great hardship in my life as well as stress and has caused my credit score to drop drastically which has led to me being denied credit and home loans. The three bureaus have violated the FCRA, laws that are in place to protect the consumers. They're suppose to report accurate information and they have a responsibility to respond to all consumers within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions 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 sent letters directly to the companies reporting the inaccurate information on my credit profile on XX/XX/21

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 2018-07-17
Company: Diversified Consultants, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We have not had XXXX since XX/XX/XXXX, they are saying we opened account with XXXX on XX/XX/XXXX for the amount of {$100.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-20
Company: EQUIFAX, INC.
State: WI
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 sent all three credit bureaus a certified letter to have this hard inquiry investigated and removed from.my credit reports. This hard inquiry from XXXX XXXX XX/XX/18 has contributed to my hardship, stress as well as I've been denied credit and home loans because my credit score has dropped drastically due to this hard inquiry being on my reports. The three credit bureaus have violated the FCRA laws that protect consumers. They are suppose to report only accurate information and respond to dispute from consumers in a timely manner. They never responded to my requests. And it has been well over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Financial Management Solutions, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I lived at this property for over a year I had ended up not being able to pay the rent due to covid the government ended up paying my balance to XXXX $ and paid up to the next month which was XXXX which was paid as well i called the rental office and they told me that I can move out and that I had to give them a 30 day notice I told them that I had already moved out which was now XX/XX/XXXX and that I didnt want to do a 30 day notice mind you I was on a month to month by that time I had my brother turn my key in because when I moved I moved to a new state and didnt want to leave it in the drop box they billed me for another month and the rent was XXXX when I lived there I have a XXXX $ balance on my credit report which is illegal to charge me when 1 i moved before they are saying I moved and 2 thats not the amount that I owe

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 2018-07-17
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I logged onto the website to payoff my credit card balance in full. Using the options on the site I selected the radio button that reflected my total balance due. I paid {$8500.00} on that day to pay my balance in full. A few days later I received a statement and disregarded it because I paid off my balance. 30 days went by and I received another statement. This time I opened the statement and I was shocked to find that Citibank charged me {$130.00} in interest on XX/XX/XXXX ( approximately 6 days after I paid off my loan ), {$35.00} in late fees on XX/XX/XXXX, and another {$2.00} in interest also on XX/XX/XXXX. I called and spoke with a representative who told me there is nothing he can do about it. I asked to speak with his supervisor who promptly got on the phone and told me after speaking with Citibank directly, there is nothing he can do and all the charges are valid and I must pay. He refused to even waive the late fee. I asked him how is it possible for me to be charged interest after 6 days after I paid off the loan even when I used the options to pay the balance in full on the website and he could not give me an answer. I asked for this matter to be escalated to his manager. He took my information and stated his manager would call back within 24-48 hours, which did not happen. I would like for these interest and fees to be removed from my account so it reflects a XXXX   balance as I paid this in full on XX/XX/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 2023-03-09
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with signing the paperwork

Complaint:
On my credit report is my ex wifes student loans and it showed me being a co signer? 
I have a letter of documentation stating she is responsible only

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX, XXXX XXXX {$500.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Old information reappears or never goes away

Complaint:
In the months of XX/XX/2021 and XX/XX/2021, I never received a bill from XXXX about my loan payment and therefore I was unable to pay the lease payment. As soon as I called them, I found out that I have an amount due and I paid it off right away. However, my credit score is still low and I am trying to get an apartment and I cant. I never had a late payment in the past and it is not my fault that this happened. XXXX forgot to update this information. Please remove this from my credit history. XXXX needs to update the payment in all major credit bureaus.Thank you.

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 2023-03-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have incorrect information reporting on my credit file, that is unacceptable because I'm getting denials based on their inaccurate 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 2023-10-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received an email stating : Thanks for requesting a new credit card! 
We'll review your Chase Sapphire XXXX credit card application and be in touch soon. 

Problem is I never requested the card. The request is fraudulent in nature as it was not sanctioned

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have sent in the entire short sale packet to Wells Fargo including the offer as of XX/XX/XXXX. The negotiator actually acknowledged the file being complete as of XX/XX/XXXX. Then we received a letter from the Homeowner stating that Wells Fargo is foreclosing on his house on XX/XX/XXXX. We have actually been sending short sale documents ( homeowner 's documents ) to Wells Fargo since XX/XX/XXXX but recently got an offer in XXXX. The offer was acknowledged and we are actually undergoing a value dispute review at the moment which we were told, could take up to 10 business days to complete, so it is completely strange that Wells Fargo would put a foreclosure date less than 37 days before the date they assigned and then sent the letter to the Homeowner less than 30 days before the foreclosure date. We were told by Wells Fargo that they can't help us postponing the foreclosure date despite the fact that we are in the middle of short sale negotiations and to reach out to the Foreclosure attorney. Knowing that this is not how foreclosure processes work, we are appealing to CFPB in order to assist in postponing the foreclosure date. On top of this, the homeowner is dealing with a very hostile tenant and is undergoing a difficult tenant-landlord situation.

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 2023-01-03
Company: R & B Corporation of Virginia
State: VA
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:
I have a right to privacy. I do not give Credit Control Corporation to report anything about me. I never opted in to them sharing my personal information. I chose to opt out of having my personal information shared with anyone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Self Financial Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have an credit builder account and also a credit card account with Self credit builder. I closed my credit builder account with them. I have a payout that was supposed to be sent to me on XX/XX/2023, in which they were supposed to deposit it into to my bank account. They have yet to send my payout. The first few times I called they said they needed to verify my identity. I sent them a copy of my driver 's license, a picture of me holding my driver 's license and a picture of my social security card. They also asked for a copy of my bank statement associated with the Self account I had on file. After repeatedly sending them my bank statement they sent another email stating the bank statement had to show a payment made to Self. Which was not possible due to it being a new bank account that I haven't made any payments to Self on. I sent all of this information to them. However they repeatedly asked for the same bank statement which I sent each time they requested it. The last time I called them XXXX I was told something totally different than what was told to me previously. They said that my payout for my credit builder account was showing as staged and should be sent out as early as tomorrow, the next day I was told it was frozen due to ID Verification. They are continuously giving me the run around. It was supposed to be sent to me on XX/XX/XXXX and I still haven't received my funds They also stated that the ID verification was for my Self credit card not my credit builder account but if that was the case I should have received my funds on XXXXXXXX XXXX XXXX  They sent me numerous emails saying the identity verification was because of the Patriot Act. However they didn't try to verify me until I decided to close my credit builder account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: BB&T CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
In XX/XX/2016 I made a payment on my auto loan on the XXXX date past the due date for my auto loan. I have talked to the bank multiple times to have the late payment removed from my credit report and my request was refused. Payments for the auto loan have been made on time all the time and there never has been a missed payment.

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 2021-03-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from 2012. The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at XXXX XXXX XXXX also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with fifth third bank which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from XXXX XXXX XXXX, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.

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 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Checked my credit today XX/XX/2019 and saw that XXXX has not deleted the 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 2019-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted all three credit bureaus to corrected a fradulent file on my account which is from company by the name of XXXX XXXX XXXX XXXX. They have received funds from the VA and from over 400.000 from me, VA and the State Banruptcy department. They pretended to be a mortgage and then did not except mortgage payments. Would not dispense escrow money account.This company has been pretending to be a mortgage company from some time. They shown up in the courts hand have provided illegal documents to take our home with the XXXX County Court system. I Ccan be reach ed at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-10-16
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The company closed my account in response to my previous complaint. No worries, y ; all XXXX  anyway. 

I'm glad the relationship is over, however I still don't have a resolution to my complaints regarding fraudulent transactions on XXXX. Two tansactions totaling XXXX dollars were " investigated '' but no results or funds were ever provided. I was complaining about the lack of resolution, how ironic they closed the account, WITHOUT TELLING ME, about that complaint. Call me, begin a complaint, then never complete it. But you closed the account. 

Where is my money? How long does it really take to investigate a non-delivery? It has been well over the 120 days indicated, again, how does it take that long? Yall are XXXX. Give me my money. If you're reading this, close your account, or never open one with them. They are the absolute worst.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-02-08
Company: Experian Information Solutions Inc.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate this reporting account as unverified information without providing proof. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00}

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 2023-02-08
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation