BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading 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 of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 be removed immediately or I will file for litigation due to the stress you caused in my life. 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 non-monetary relief
Consumer complaint received 2015-11-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XXXX/XXXX/2015, I contacted Equifax concerning several hard credit inquiries appearing on my credit report. These inquiries were made by third parties who DID NOT have my permission to pull the report. I made Equifax aware that the companies/organizations who gained access to my credit report had no permissible purpose under the Fair Credit Reporting Act and that Equifax had the responsibility under 15 U.S.C. 1681i ( a ) ( 5 ) to remove credit inquiries occurring without obtaining permissible purpose from the consumer. Over the past 3 months Equifax has ( 1 ) refused to make the violators prove that they had permissible purpose and ( 2 ) refused to remove the inquiries from my credit report after failing to obtain permissible purpose from the violators.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Paid my XXXX bill online on XXXX XXXX after XXXX via electronic transfer from my checking account. XXXX website notified me it would take one " business day '' to process, i.e. XXXX XXXX ... XXXX requires payment due by Sunday XXXX XXXX ... of course XXXX is closed on Saturday and Sunday and its normal business hours are Monday to Friday but still somehow they want payment on XXXX XXXX ... a Sunday when their doors are closed, lights out and nobody available ... So that is one half of the problem. I could not pay my payment on a Sunday if my life depended on it, because there is no way to do it ... 
The second part of the problem is that bank super computers magically only processing bank transactions on " business days '' Monday to Friday ... and typically only to XXXX in the evening. So I am questioning the logic of this old school banking protocol of only processing checking account transactions during these very restrictive hours and only " business days '' ... I think as a society we are past this and almost all transactions are being done by super computers at these big banks ... They have multiple layers of redundancy and backup systems and there is really no reason banks can not perform checking account transactions 24/7 and every day of the week ... The reason is simple banks want to slow, postpone and make it difficult for folks to pay bills on time or manipulate timing of transactions because utility companies and banks get tremendous benefit from charging late fees and lack of fund fees based on manipulating the timing of transactions ... If they punch a few buttons on those super computers to provide mor prompt and timely checking account transactions to occur 24/7 they would have tremendeous losses in revenues due to all the late fees and lack of funds fees they steal from folks by manipulating the clock and using the " business day '' requirement that does not actually exist in an era of super computers that process transactions 24/7 ... It 's an outdated protocol from a time when bankers and tellers had to be present to assure transactions are processed ... But it 's all run by super computers now and it is an unnessecary protocol that is deteremental to consumers and the American economy ... checking account transactions for too big to fail banks should be done seven days a week as supercomputers rarely need the weekends off like humans and especially with all the redundancy and backup systems ... There is no good reason, explanation or excuse why these " to big to fail '' banks can not do checking account transactions 24/7 to the benefit of their customers/consumers ... Change is due!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a co signer on a student loan the loan is not default they are calling my job XXXX an XXXX time a day please stop them from calling. P.S. THIS IS THE NUMBER THAT IS CALLING # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX dispute XXXX filled XXXX/XXXX/XXXXXXXX dispute number XXXX filled XXXX/XXXX/XXXXEach time I dispute or ask of an investigation for items filled incorrectly on my credit report, i receive a results stating the items will remain and to contact the creditor. I also informed the reporting agency, each call to the creditor results in the creditor stating i should file a dispute with the agency. 

I also attached certified letters and responses from each company I disputed to no avail, some company not either responding, cooperating, or responding in the appropriate amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
EQUIFAX has not closed a XXXX XXXX XXXX credit card with a {$3000.00} limit. This is lowering my credit score utilization. This should be closed in my chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Disputed inquiries with XXXX bureaus. I did not receive credit from companiesin myinquiry list. XXXX inquiries are 3 days apaart, XXXX has XXXX on XXXX of my reports. Tried disputing with XXXX, equifax and XXXX as well as the companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I began making payments on my {$44000.00} student loan balance in XX/XX/XXXX. I made 5 monthly payments of {$450.00}. Then, I asked FedLoan if I could be placed on a graduated repayment plan. I was told NOT to make my monthly payments while they worked to put me on the graduated repayment plan. It took them 7 MONTHS to put me on the repayment plan. During the time that I FedLoan took to transfer me to the new plan, my interest was capitalized twice - adding {$1500.00} onto the principal of my loan. This wiped out ALL progress I had made with the 5 previous loan payments, bringing my new loan balance to {$44000.00} on XX/XX/XXXX. This is fraudulent. 

Also, I called FedLoan on multiple occasions, speaking to different representatives, who all gave me different information during the repayment plan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Fedloan is reporting past due on my loans for XX/XX/XXXX - 90 past due, XX/XX/XXXX - 90 past due, XXXX and XX/XX/XXXX 120 and 150 past due. 
I have disputed this incorrect reporting with them and they have not done anything to correct these incorrect reporting. I was granted a forbearance for all those months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Sir/Madam, How are you ...? I have a serious problem with Equifax credit reporting agency as I have been fighting these people for over 6 months and I ca n't get anywhere so that is why I am escalating this matter to you. There are multiple items appearing on my credit report and I have been a victim of identity theft, however Equifax, XXXX and XXXX still refuses to remove this information and it has hurt my credit very badly. I do appreciate all your professional time and assistance and look forward to hearing back from you. Regards and thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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 Bank of America regarding a fraud account I saw on my credit report. They stated that there was a " balance transfer '' to an account in my credit report, therefore saying that I am responsible for it. That other account has been now removed from my credit report because that was also a fraud account opened under my name. 
I have been in contact with Bank of America for the past several months, it is not my account, I have never opened this account, I would like this fraud and innacaraute information to be removed from my report pursuant to Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date openedXX/XX/XXXX Status Account charged off. {$12000.00} written off. {$12000.00} past due as ofXX/XX/XXXX. 
In dispute XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA On record untilXX/XX/XXXX Credit limit or original amount {$12000.00} High balance {$12000.00} Monthly payment {$0.00} Recent payment amount {$0.00} Date of statusXX/XX/XXXX First reportedXX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item remained unchanged from our processing of your dispute in 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 non-monetary relief
Consumer complaint received 2015-06-05
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Please see the attachment. It is as clear as day how Equifax is not verifying any information when checking on disputes. The quick story is that I am a victim of ID theft. I had XXXX items blocked on my credit report in XX/XX/XXXX and XX/XX/XXXX. Last month Equifax added these items back on. I immediately sent them the police report and ID theft report and even updated it. They ignored it and said they will NOT block them even with all the proper paperwork. This is just part XXXX. They then said they investigated each XXXX and verified they belonged to me. They then put Collection Account and Skip on each XXXX of them. So, instead of blocking them at my request and pursuant to the FCRA consumer rights which is MY right as a victim of ID theft, they did not, they claimed to follow up, then put them in notes as collection and skip ( which means I ran from these accounts and they cant find me ). This is as untrue as can be, they all know where I live including Equifax. BUT to really prove how the violated my rights, they also put collection and skip on a VALID account that is mine, that I used daily, that is in good standing. PLEASE see attached. They lied, they added Collection and Skip on all my accounts I asked to Block then EVEN DID ON VALID ACCOUNTS. Not only that, they show all of the collection and skip accounts as being paid on time. HOW? Just look at the attached. I can file a major lawsuit against them. They have accounts on time in collection and skip. They have a valid account listed as collection and skip. ALL of these accounts are showing as being paid on time. Every consumer right I have under FCRA is being violated. I simply had a total of XXXX items that I blocked and now it is XXXX items due to them adding stuff, lying and making up items on my report. Just look at the attachment it explains it all. It is as easy as pie to see how they are purposely trying to destroy me because I keep mailing them letters DAILY. They are upset at this and trying to hurt me and my credit. My credit is a XXXX but Equifax is trying to destroy it. They are evil people. They need to be held accountable, my attachment will show this all to you. I tried to put this all in XXXX document for you. I have amble proof, a police report, an id theft report but I do n't even need those, this shows clearly how every account is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report from Equifax falsely represents dates of the deed in lieu of foreclosure from XXXX Bank and XXXX Mortgage that completed in XXXX and XXXX of XXXX. Equifax have on several occasions and currently, represent this information as XXXX and XXXX of XXXX. This is incorrect and " resets '' the start date of this information. I chose this option as the only means to leave this property in a period in which I was laid off. Fair Credit Reporting gives me the right to have this information represented correctly. XXXX very large result of this misinformation is the lack of ability to purchase any property for XXXX years form the default date. If this date is changed again and again incorrectly, I clearly do not qualify to purchase. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to fix my credit reports I cant access them because of auto loans I dont have Someone used my name to get apartment There are credit card and loans dont belong to me Ive wrote XXXX trans union and XXXX I have complained to ftc and police this has been reported for past 5 years nothing

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 2017-03-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has began AGAIN as of XX/XX/XXXX reporting incorrect information to my credit profile ( DUE TO RECENT EQUIFAX GLITCH ) although, Equifax has received several notifications from XXXX directly regarding an update to their reporting. 

I 've mailed a certified letter to Equifax on XX/XX/XXXX and XX/XX/XXXX regarding incorrect reporting of my XXXX/ XXXX student loans. Despite two written requests, including original documentation from XXXX/XXXX to support my dispute that XXXX has changed their name to XXXX and the XXXX delinquent accounts on my Equifax report should be reporting CURRENT they still remain on my credit in violation of Federal Law. XXXX changed their name to XXXX on XX/XX/XXXX and all my loans through XXXX and XXXX were never reported past due or late in XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX. Please see attached documentation from XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is listed on my Equifax report as charging off then going positive, and then charging off again, and then once again going positive. This is inacurate information reflected in my payment history that continues to keep my credit rating from improving. There are several accounts that are inacurate with my Equifax file that i have tried and tried to get resolve i have uploaded documentation that supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
On XX/XX/XXXX, someone broke into my car and stole my personal belongings, in which included my social security card and drivers license. With this information, they were able to authorize the following companies to make credit inquiries and or open up multiple service accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all in XXXX, GA. I did not authorize these companies to put an inquiry on my credit account and would like these inquiries removed. As far as I know, the only account that was opened was with XXXX on XX/XX/XXXX and since then has been disputed. My ultimate goal is to be able to purchase/finance a car, but in order to do this I would like to first remove all unauthorized credit report inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Conduent Incorporated
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I 've had over {$1000.00} wrongfully charged my Utah Eppicard ( child support ). When I call any number and select any option, I can not get anyone on the phone! I have sat on their IVR for over an hour, each day this week! How can I dispute my transaction when no one answers!

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 monetary relief
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
company will not validate and show the method of verfication for disputed items. i have sent letters out on XXXX XXXX until now every 30 days company still have not validated or provided the method of verification. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report

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 2020-10-05
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with 2 proof of ID.

Company response to consumer: Closed with explanation