BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Because I disputed an account with XXXX XXXX XXXX XXXX, the company has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false " late payments '' to my consumer report and closed my account without my lawful authority or notification. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) C. The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX  before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX to furnish any " late payments '' to my consumer report. It is my belief that due to XXXX XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly 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 2023-03-01
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:
In accordance with the Fair Credit Reporting act XXXX Account " 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

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 2018-11-20
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a federal employee who has submitted certification for the loan forgiveness program. I received information when my loan was transferred to XXXX as the servicer in XXXX that I had only made 11 payments. I contacted them to let them know that I had been in repayment since XXXX and worked for the government since XXXX. They told me that it took approximately 12 months for the information to be loaded into the system. I contact XXXX after 12 months and was told that my account had been updated. I submitted another certification in XXXX so that the payments made in since my last certification could be reflected. The number of payments were 27 for one loan and 54 for another loan which was still inaccurate. The money for all my loans were ach debit as one payment so the number of payments should have been the same. Even if the all my loans indicated that 54 payments were made it was still incorrect. I should have 72 payments. I contact XXXX and was told that another request for a review was put in and it should be done byXX/XX/XXXX I was told by XXXX to send bank statements to prove that payments were made and I told them that I should not have to incur a cost to go to my bank to research and obtain bank statements going back to XXXX. I called XXXX again in XXXX and now I am being told that it will take between 12-18 months for the review to be completed. This is unacceptable and keep going on and on with no end in sight. I am entering my 7 year with the government and should not have to get denied when it is time to apply for forgiveness because they can not get there records correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
This company called me on the phone told me they would give me a XXXX loan but first they would start out with putting XXXX into my account to be sure it was my account was valid. Upon doing this 2 days later they called me wanting there money back and I could only give it back by buying these cards and calling in the card numbers on the back which I did /, they also forged my name on the back of this check they sent transfered to my bank. Then there check bounced/. ( I didnt know at the time. ) This all done they said they would deposit my XXXX in my bank by XXXX XXXX that day wrong never heard from them, I'm a XXXX yr old XXXX woman single living on less than XXXX a month and this cause overdrafts at my bank because of auto pays and humiliattion to sleepless nights and fear of them retaliation from this company due to them threatening calls to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: DC
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:
The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and XX/XX/2021. I demand the deletion of these inquiries from my Equifax report, they are unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
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:
I have never had an account with XXXX XXXX, I have never had this credit card. 
Contact with the bank shows the borrowing person used an address that I do not live at. 

I have not lived at the address on the account. 

I do not have this account XXXX XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$13000.00} {$410.00} {$18000.00} XX/XX/XXXX PAYS 61-90 DAYS {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
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:
Disputed Item with Equifax/XXXX XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Equifax/XXXX verified as accurate XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Request Equifax/XXXX FCRA 611 letter XX/XX/XXXX & XX/XX/XXXX ( no response ) Sent reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt. XX/XX/XXXX ( no response ) Sent Second Letter reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt XX/XX/XXXX ( no response ) Sent Equifax/XXXX  Final letter before submitting Complaint ( s ) XX/XX/XXXX ( no response )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
On XX/XX/XXXX I received a fraud alert from two of the major credit bureaus and a government credit monitoring agency informing me that an account with Bank of America has opened by using my social security number. I immediately tried to contact Bank of America with the information provided by the credit bureaus with no success. It seems that you must have an account to talk to a live person over the telephone. I have yet to hear anything from Bank of America.

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 2020-07-29
Company: EQUIFAX, INC.
State: AR
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 WAS TRYING TO GET MY SON A NEW VEHICLE BECAUSE IT BROKE DOWN. MY SALESMAN TOLD ME THAT I WOULD BE ELIGIBLE, BUT WITH A VERY HIGH INTEREST RATE DUE TO CREDIT. I THEN ASKED TO SEE MY REPORT AND REALIZED THERE WERE THINGS ON MY CREDIT I HAVE NEVER SEEN. THESE ITEMS NEED TO BE REMOVED AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase Total Checking + Chase Freedom XXXX XXXX {$520.00} Bonus. 

Bonus requirements : Open a Chase Total Checking account and within 90 days also get approved for a Chase Freedom XXXX credit card -- -Done ( I did open a Chase Total Checking account and opened a Chase Freedom XXXX credit card and purchased 500.00 dollars within the time period requirement for the 200.00 credit, which in fact was credited on my XXXX statement 20,000 points ( new card member bonus ) Within 90 days of opening a Chase Total Checking account receive a direct deposit which i did receive on XXXX to earn the {$220.00} bonus that was credited to my checking account on XXXX XXXX This complaint is based on the refusal of Chase bank to fulfill the final {$100.00} for the {$520.00} bonus. I called the bank on XXXX to inquire on this amount to be told to wait 5-10 business days for the amount to be credited. This did not happen, and made another call on XXXX only to be told again to wait 3-5 days and it should be credited to your checking account. Again calling today XXXX did not bring this issue to closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX is reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On XXXX and Equifax it has an open date of XX/XX/2019 and on XXXX its XX/XX/2019. It also shows a credit limit of XXXX on XXXX and XXXX but XXXX credit limit on Equifax. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX - this is my 2nd complaint I have filed against them in the last 12 months. Today, XX/XX/2019 they contacted a family member who does not live in my home and is not my child or spouse looking for me. I have advised them after I filed the first complaint to not contact me before XXXX they continued. I than escalated to management and they advised they would only contact me by mail which they have and I have received the correspondence. Contacting people I do not associate with that are not my immediate family such as spouse or children which are minors is unacceptable. The representative was very rude and stated they can contact whoever they want to reach me. I need this company to stop the a harassment. It is a violation of my right as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: IN
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has inaccurately violated my rights. 
Section 604 - 15 U.S.C. 1681b. States that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. 
I applied for this inquiry XX/XX/XXXX and the removal date should have been XX/XX/XXXX, It still has not been removed.

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 2017-09-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XXXX XXXX, XXXX Equifax deleted several accounts from my credit report. Most of them being accounts that are active with balances that I am still paying on like a current car loan and open credit card accounts. I find it extremely unprofessional that they consumers a hard time correcting erroneous but illegally against the FCRA delete things that are being reported correctly. I have spoken with a representative with the Fraud department by the name of XXXX who is telling me she is unable to see any of these accounts and wont be able to add them back on she is telling me that I should call the credit grantor and ask them to rereport. Which is something I have already done. The credit grantors are telling that Equifax must add the accounts back to the credit report being that they were the ones to delete them. Even with an active fraud alert since XXXX XXXX Equifax allowed for accounts to be deleted that were reporting correctly and accounts that I have no knowledge of to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
I have an account reporting incorrect information on my credit report. They have 3 different balances showing on each report. According to the law all accounts reporting must be accurate or it has to be deleted. 
XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have an account reporting incorrect information on my credit report. They have 3 different balances showing on each report. According to the law all accounts reporting must be accurate or it has to be deleted. 
XXXX XXXX account 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 2020-07-30
Company: EQUIFAX, 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX, XXXX, XXXX/XXXX, XXXX XXXX IN, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was turned down for renting a home because of an incomplete background check. I was charged with XXXX XXXXt but was acquitted on all charges. The background check did not report I was acquitted. After disputing it with Transunion they still did not completely correct my background check information.

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 2021-07-09
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: Account information incorrect

Complaint:
I'VE CALLED TO FIND OUT WHO WAS USING MY SOCIAL SECURITY TO TRY AND GET CREDIT AND i COULD NOT GET ANYWHERE, SO I REQUESTED PROOF OF THESE INQUIRIES SO THAT I COULD FIND OUT IF IT WAS A FAMILY MEMBER OR SOMEONE I KNOW. 

I CONTACTED THE PLACES OF THE ACCOUNT AND THEY WERE REMOVED BUT I WAS TOLD THE BUERAU HAD TO REMOVE THE INQUIRIES, BUT THEY HAVE BEEN REFUSUING TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay servicing XXXX XXXX has not made my payments via escrow acct to insurance company all while I was under the impression that they had this escrow acct and were doing so! They also have misapplied payments in an effort to foreclose upon my home! I requested to get my home reappraised since the value has greatly risen they denied this giving me incorrect information and immediately sent a person to my home onXXXX and or XX/XX/18 this was done after I got insurance on my own yet they still hold funds in escrow on the account I have asked for escrow funds to be returned to be due to their failure to pay home insurance! I have had head injury, many surgeries and have been laid off from my job recently!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My name is XXXX XXXX date of birth XXXX address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My complaint is that elan financial refused to update my social security number on my visa card the card number is XXXX XXXX XXXX XXXX I fax a verification letter from the social security administration and a copy of my social security card along with my ny drivers license. And also mailed this too. And that was to update the social security number to XXXX. But I received a letter asking for the same thing to be sent. All the bank has to do is verify the social security number in their database it will match with my other number that's on my account now XXXX. I do have two social security numbers they can verify the XXXX too it will also come back to me. Reason why I have a second number is because I was in witness protection many years ago. So what I'm asking elan financial to do is please view my documents my social security administration letter that's stamp and card and drivers license and up dated to 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