BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: United Shore Financial Services, LLC
State: CA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This company is currently showing late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( UNTD WHL MTG XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Windham Professionals, Inc.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
In XX/XX/XXXX, I received a letter from a collection agency. I did not recognize the debt and called to find out what this was for. I was told it was from the Dept of Ed. I told them that I did not have any outstanding debt. I requested proof. They mailed me a copy of some application. I wrote a letter in return stating that the name signed on that application was not mine. The ss # was not mine. The date of the application shows that I was a minor at that time. I never heard back from them. 
This year of XX/XX/XXXX, I was waiting for my Federal Income Tax Refund which was delayed. I called the IRS to find out where it was. I was informed that it was taken by Windham Professionals Collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} Inquiries : XXXX XXXX Inquiry Date XX/XX/2020 XXXX Inquiry Date XXXX XXXX, 2020 XXXX  Inquiry Date XX/XX/2020 XXXX Inquiry Date XX/XX/2020 2020

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date 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 2017-04-11
Company: Prosper Marketplace, Inc.
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have a high interest loan through Prosper loan. After repairing my credit I was able to get a bank loan at a much lower interest rate through XXXX out of XXXX, Illinois to pay off the Prosper loan. On XX/XX/2017 XXXX sent Prosper a check for XXXX on my behave to pay off my loan with Prosper. Prosper lost the first check. 
The bank stopped payment on that check on XX/XX/XXXX and sent Prosper a new check via XXXX on XX/XX/2017. Prosper received that check on XX/XX/2017, and presented it to XXXX on XX/XX/2017 for payment and the funds were transferred to Prosper on I believe XX/XX/2017. Prosper was presented with proof that the funds were transferred to their account and is still unwilling to acknowledge the payment and has put my account into " pass due '' status which will eventually affect my credit rating. Prosper has a financial interest in my paying for the full terms of the loan and feel that is there end goal here. At this point Prosper will not speak to me and will not respond to the support ticket that was placed on my behalf by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have several inquiries on my report from XXXX & XXXX that was not authorized. I have called the credit bureaus and was told to call the companies that pulled my credit. I just recently called XXXX and they can not find any record of reapplying for credit with them, but it is showing in my report at least 4 times. So after speaking with XXXX I called the credit bureaus back and they still would not remove any inquries. I need some help with this because I am being pulled into XXXX directions but not getting anywhere. Thanks so kindly for your consideration and your help!!

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 2021-12-13
Company: Experian Information Solutions Inc.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

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 2020-04-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I would like to share with your organization a post that I made on my social media accounts. It seems not everyone of a small business is getting the help that they need. For example, I was told by my bank JP Morgan Chase that I qualify for the XXXX XXXX program, but because I did not have a XXXX XXXX XXXX bank account, I am unable to obtain the funds. I know many XXXX XXXX XXXX who pay themselves via 1099 from their corporate business account. I do not understand why having a separate business account as a sole proprietor is relative to the COVOID19 Disaster Relief program under the CARES, Act. It appears to me that this is a way to single out small business owners such as myself and exclude me and others from receiving the assistance the government intended to be accessible. I feel it is unfair, unjust, and discriminative against all small businesses affected by the this. Please advise the reasoning for this. 

Social Media Post Below : If you are a small business owner and you bank with JPMorganChase, they are refusing to qualify you for the XXXX XXXX program as a 1099 XXXX XXXX issued from your Corporation business bank account funds. You must have a " XXXX XXXX XXXX bank account '', in which the XXXX XXXX XXXX bank account had to have been established prior to XX/XX/2020. Since when is it REQUIRED to have a business bank account under your social security number? This is clearly a process of elimination. As a certified XXXX XXXX XXXX, a certified XXXX XXXX XXXX XXXX  and a certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am disgusted with the " GIANT '' bank JPMorganChase taking the Disaster Relief program under the CARES, Act as an opportunity to discriminate against some small business owners and independent contractors such as myself. XXXX XXXXXXXX   XXXX Many independent contractors of small businesses and small corporations will be left out, while the mid-sized and large businesses get the Disaster Relief that they need. It is called the XXXX, XXXX, but is it truly caring? XXXX please ensure your partnering lenders are not taking advantage of COVOID19 under the CARES, Act to meet their own agenda. JPMorganChase vs potentialclassactionlawsuit Please note : I have asked from an exception to be made already. I spoke to XXXX XXXX XXXX, Vice President, Business Banking Area Manager of Chase located at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, GA XXXX T : XXXX ; XXXX ; XXXX ; Email : XXXX. He declined my exception request and simply stated it was nothing that he could do to further assist me with the XXXX loan program. He took it upon himself to say " business owners issue themselves 1099 's to avoid paying XXXX and social security taxes ''. Which is untrue by the way, at least in my case. Some of simply can't afford to just yet. I feel this a from of discrimination and I am highly offended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 non-monetary relief
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I recently pulled my credit report and I am a victim of id theft. someone has stolen my identity, I want to investigate these fraud accounts and press charges.

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 2022-04-02
Company: EQUIFAX, INC.
State: VA
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:
his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2017-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I spoke to several representatives in the office of consumer affairs dept of Equifax numerous times. The reason i needed to contact that dept is because they have my credit file locked so i ca n't view my file on any  3rd party cr edit monitoring sites (  XXXX ,  XXXX ,  XXXX  ). everytime i contact this dept i am kept getting the same respon se ( its for my protection to block your credit file ). I ask   XXXX   XXXX   ( lik e the month ) at the equifax office of consumer affairs what is the options for me to view my fico score and credit report. She informed me that the only way for me to view my file and fico score was to purchase their credit monitoring service a t  XXXX /month. I feel like i a m being LIED TO!   XXXX   XXXX    WAS VE RY   XXXX  ON  THE PHONE CALL, THE CALL WAS RECORDED SO IM SURE WE COULD GET THE RECORDING OF THE CALL. I WANT MY CREDIT FILE UNLOCKED SO I COULD VIEW MY REPORT PLEASE!!!!!!!! THIS IS NON SENSE AND VERY UNPROFESSIONAL ... ..  <P/> I WANT TO VIEW MY FICO SCORE AND FILE AT MY REQUEST NOT EQUIFAX REQUEST .... THANK YOU!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted a dispute on a Tax Lien issue by  XXXX   County Superior Court  in    XXXX   XXXX    in the amount of {$1800.00}. I paid that lien in full in    XXXX   XXXX   XXXX   . I received a full lien release on    XXXX   XXXX   XXXX    from the  XXXX  Department  of Revenue . The  Tax Lien  was removed from my Equifax credit file on    XXXX   XXXX   XXXX   . One month later, the tax lien was reinserted into my credit file with Equifax. Both  XXXX   County Superior Court  and the  XXXX  Department  of Revenue  sent me an email indicating that they never divulge any information to any credit reporting agencies ; therefore, the tax lien information has been furnished by a third party agency and I was never informed that the item had been reinserted into my credit file, which violates the Fair Credit Reporting Act  611 ( a ) ( 5 ) ( B ) ( ii )  which states : In accordance with the requirements of the FCRA section  611 ( a ) ( 5 ) ( B ) ( ii  ), you are required to notify me of the reinsertion in writing within 5 business days.   ( B ) Requirements relating to reinsertion of previously deleted mate rial ( ii ) No tice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 ) b usiness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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 two separate occasions their were two hard inquiries placed on my credit. One in XXXX on the XXXX by XXXX/walmrt  and the other one  on XX/XX/XXXX by capital one both in XXXX. It does not give me the amount it just shows as a hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: Resurgent Capital Services L.P.
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 status incorrect

Complaint:
LVNV Funding purchased debt that I owed to a credit card company. The debt is from XXXX, 2015 and beyond the Statute of Limitation for legally collecting the debt. However, LVNV has been reporting that I am making late payments every month to the credit bureaus which is against the FCRA as they are not the original creditor. Debt collection companies can not report late payments to the credit bureaus on debt they purchased from a creditor. The company has been reporting late payments for the last 24 months which is greatly affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
They are harassing me at work. I've told them not to call my work and they called twice already. I live in California

Company response to consumer: Closed with explanation