BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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:
RECENTLY I DID AN INVESTIGATION ON MY CREDIT REPORT WHICH CAUSED SEVERE XXXX UPON ME AND FOUND UNVERIFIABLE, INVALIDATED AND QUESTIONABLE ITEM THAT YOUR AGENCY DID NOT MAKE SURE IT WAS REPORTING 100 % CORRECT. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT UNDER 15 U.S COURT 1681e ( b ) AND 15 U.S CODE 1681i ( 5 ) THIS ACCOUNT IS VIOLATION OF NOT REPORTING 100 % ACCURATE RESOLUTION : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and deleting the account that listed on my dispute letter.

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 2022-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with Chase for {$2100.00} after my debit card has been stolen from my vehicle and I requested that Chase to send me a new debit card through XXXX, not through my mailbox because I live in the bad neighborhood. I was unable to get my charges back and I even contacted the merchant and they didn't respond. Chase denied my claim and never return these amount back into my account and threaten me that I can not open any account with Chase again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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: Their investigation did not fix an error on your report

Complaint:
I disputed some items on my credit report and the Bureau did not respond

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/2021, I opened a personal checking account and a business checking account in a branch in PA near our summer home there. A few weeks after opening the accounts, Huntington bank froze the accounts not allowing me to bank deposits, withdrawals, or have online access. 
I have called multiple times and have been told the accounts are being closed by the bank hence the hold and I would be receiving a check for the funds in each account ( Approx. {$1000.00} in each ; {$2000.00} total ). However, it has now been 3+ months later, and I am being charged fees for the balances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03
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:
Between XX/XX/XXXX and XX/XX/XXXX XXXX my credit was checked 11 TIMES without my permission and authorization. These inquiries were done fraudulently. Please remove. 


XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
CREDIT AGENCY IS REPORTING CHILD SUPPORT WHEN THE COUNTY DOES NOT REPORT TO AGENCIES DIRECTLY WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.

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 2022-01-25
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Keep getting calls and emails from this company saying I owe XXXX I have never received anything in mail about this debt I dont owe that debt and I want them stop harassing me and they also call from a number XXXX saying they have claims against and I need to call XXXX immediately before action is taken they call my home phone which my husband is XXXX and it upsets him and he gets nervous which isnt good I want this stop and I will not pay something I dont owe The emails have a XXXX XXXX name on it and I dont know him or never had dealings with this company I want them to stop now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account with the terms that if I had a direct deposit of XXXX dollars within 60 days a XXXX dollar bonus would be deposited into my account, and that bonus has not been received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is about Wells Fargo and a previous mortgage I had with them and how they took advantage of me and the situation. I was lied to. Told to default on my mortgage so they could blast me with fees to keep my house or otherwise they would take it from me.

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 2022-01-25
Company: EQUIFAX, 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:
It has been over 120 days since i have been trying to get Equifax to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that Equifax is reporting inaccurate information on my consumer credit report. To this day Equifax has yet to send me any information regarding their investigation. The simply report " verofoed by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know Equifax has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
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:
An account for XXXX XXXX with a balance of {$5000.00} is listed on my credit report as a charge off, but as you can see from the attached documents I was never late, and paid and closed it on XX/XX/2019. I've submitted proof of this to both XXXX XXXX and the three bureaus, but it has not been updated on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Cash Link USA, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2022 I got calls and voicemail from an unknown number of XXXX XXXX from XXXX County, that was contacting me in regards to claim # XXXX XXXX county XXXX order of location, and the phone number I received was XXXX. Called began on XXXX till XXXX when I changed my number and put my old phone, house phone, and new phone on the " Do Not Call '' registry. Now on XXXX ten days later, they harassed a family member of mine from out of California with the same information regarding a claim file against me within XXXX county and a warrant for my arrest apparently. Despite I called the XXXX County 's Sherriff 's office no warrants exist for my arrest I've called on XXXX at XXXX XXXX and now again this evening on XXXX at XXXX XXXX  to verify. This is a nightmare for me and my family. Please help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: MST Financial Services, L.L.C.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX account # XXXX has been reporting a debt on my credit reports since XX/XX/XXXX. I do not recall ever receiving any communication from them about this debt. I disputed twice through the credit bureaus but each time they come back " verified '' with no documentation to back up their claim. Debt collection companies have 30 days to validate a debt. They also increase the balance of my debt each month which I know can only legally happen if the agreement with the original creditor permits interest to be billed and I have only recently been provided with one of the seven original documents. 
The only document I received was in XX/XX/XXXX from the first cfcb complaint I submitted. That notice didn't have a date on it at all. It listed out 7 seperate debts they are billing together and only attached paperwork for XXXXXXXXXXXX XXXX XXXX XXXX. I had no idea this debt also included XXXX debts from City of XXXX Parking or from XXXX XXXX XXXX. Again, all I received was an account number, and amount due. How is this verifying a debt? I do not agree with these debts and have never been notified they existed, that the original bills were going to be sent to collections, anything from XXXX verifying these debts, etc.

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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Bankruptcy on my consumer file saying bankruptcy was verified. Notify me who the bankruptcy was verified by because I have supporting documents showing the court did not verify such thing and XXXX XXXX has deleted it from their database. IF A SOURCE COULD NOT BE PROVIDED ON WHERE YOU HAVE GOT A BANKRUPTCY FROM TO FURNISH ON MY CONSUMER FILE THEN THIS BANKRUPTCY NEEDS TO BE DELETED IMMEDIATELY.

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 2022-12-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] [ all three credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX Reason : [ NEED LATE PAYMENT REMOVED ASAP FORGIVENESS ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX 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 2022-08-17
Company: Experian Information Solutions 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:
Hi i XXXX XXXX am protected by F.C.R.A I had several issues disputing what isnt correct and i am subject to my privacy and also have the right to delete whats incorrect Please correct these mistakes Under 15 usc 1666b i am protected. 
Account name : XXXX XXXX The Account is reporting late. i have never been late please report the account as current Delete any allegedly late payments Account name : XXXX XXXX Account XXXX XXXX late several times. I have had several issues removing the allegedly late payments. I was never late please delete the allegedly late payments Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please delete this account. The account is paid for i am subject to my privacy Account name : XXXX XXXX XXXXXXXX delete this account. The acccount is paid for i am subject to my privacy Please delete all of the above and send me a copy of my report with all of the above deleted please and 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 explanation
Consumer complaint received 2022-12-10
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, On XX/XX/XXXX I sent the following message to MOHELA : " Hello, I was going through my payment history and noticed that the 14 months listed below did not have a due payment on them, so therefore are not counted towards my PSLF count. From XX/XX/XXXX thru XX/XX/XXXX should have been an in-school deferment. I am not sure what the deal is with XX/XX/XXXX - other than it was a COVID pause? Is there a way to make payments retroactive for the months listed below and get them counted towards my PSLF total? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks! '' On XX/XX/XXXX I received the following message from MOHELA : " Thank you for contacting MOHELA, We apologize for the length of time that has passed since we initially acknowledged your email inquiry. If your inquiry has already been resolved, we hope that it was resolved to your satisfaction. 

If your inquiry has not been resolved, please call our Customer Service at XXXX. If you need more information about Public Service Loan Forgiveness ( PSLF ), please visit StudentAid.gov/pslf or call XXXX. We have also included a few of the top PSLF-related Frequently Asked Questions ( FAQ 's ) below. '' ( FAQ/Remainder of MOHELA response removed for brevity of message sent to CFPB ) I waited seven weeks for them to respond to my inquiry and all they did was give me a boiler plate message that did not address my inquiry and proceeded to close my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
Hi i XXXX XXXX am protected by F.C.R.A I had several issues disputing what isnt correct and i am subject to my privacy and also have the right to delete whats incorrect Please correct these mistakes Under 15 usc 1666b i am protected. 
Account name : XXXX XXXX The Account is reporting late. i have never been late please report the account as current Delete any allegedly late payments Account name : XXXX XXXX Account XXXX XXXX late several times. I have had several issues removing the allegedly late payments. I was never late please delete the allegedly late payments Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please delete this account. The account is paid for i am subject to my privacy Account name : XXXX XXXX Please delete this account. The acccount is paid for i am subject to my privacy Please delete all of the above and send me a copy of my report with all of the above deleted please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: NC
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 name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 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. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received an alert from XXXX regarding a credit inquiry. Upon review of my credit report I noticed there was someone else 's name, address, and employment information on my credit report. I contacted XXXX to correct this information on XX/XX/XXXX. Then I froze my XXXX, XXXX, and XXXX reports for one year. Then, on XX/XX/XXXX I received a letter in the mail from a debt collector in reference to an apartment in XXXX. I wrote them a letter in response with proof of my mortgage for the house I currently and have lived in for 12 years now. I also explained in my letter that I have never lived anywhere other than the county I currently reside in. I also requested they send me the original information regarding the debt so that I can file a police report. I mailed all of this on XX/XX/XXXX. Then on XX/XX/XXXX I received an alert from XXXX that a collection was placed on my credit. I pulled my credit report and found multiple collections on my report at the same time. They are for apartments and XXXX XXXX XXXX. I called XXXX on XX/XX/XXXX and reported them all as not mine. Then today XX/XX/XXXX I received another alert from XXXX that there are collections posted on my report. I pulled my report and there are two new collections reported against me that are not mine. I have attempted to contact these agencies and they just do not believe they are not mine. They insist it is me because my birth date matches. Then they insist I owe the debt and written bad checks to their creditor, and I absolutely have not. Even the XXXX XXXX XXXX creditor, I explained I have an account with XXXX XXXX XXXX and it has never been late or unpaid. They didn't want to hear it and asked me to pay my debt. I requested that I be mailed the information but have not received anything to date. 

On my credit report ( none are mine ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXXt RE : XXXX {$500.00} XXXX XXXX RE : XXXX XXXX {$210.00} XXXX, XXXX RE : XXXX XXXX XXXX XXXX {$220.00} The one I sent a letter to is : Rent Recovery Solutions XXXX RE : XXXX XXXX XXXX {$570.00} I feel like there will be more ... .and my credit which has always been stellar is suffering.

Company response to consumer: Closed with explanation