BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted many complaints to all credit Bureau to remove the following UNKNOWN/FRAUD inquiries with ZERO support and ASSISTANCE. They keep responding with the same automated response. These inquiries are HURTING my financial situation and must be deleted from all 3 Bureau 's ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO SENT MULTIPLE REQUESTS TO DELETE INNACURATE REPORTS WITH NO RESPONSE. All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT XXXX. XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 4. XXXX XXXX XXXX ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 5. XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 7. XXXX XXXX XXXX XXXX  ( XXXX XXXX ) NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE HIPAA VIOLATION PLEASE DELETE AND REMOVE IT FROM MY REPORT 8. ( XXXX XXXX XXXX  XXXX XXXX XXXX NOT MINES, NO CONTRACT, NOT LIABLE, UNVERIFIABLE PLEASE DELETE AND REMOVE IT FROM MY 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 2017-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  XX/XX/XXXX after being denied a car loan due to a excessive mortgages and car loans on my report that were not mine. I called Transunion to figure out what was going on. at that time I was informed by a representative ( do not have her name on hand ) that Transunion accidentally merged my credit profile with someone else 's who had a similar name. The rep noticed the issue immediately and said it would be corrected. The accounts were deleted from my reports as well as the ssns, address, and phone numbers. Last monthI went into my bank to apply for a car loan and was denied due to excessive inquiries so I go back and look at my reports and low and behold the inquires ( there are still about   XXXX   inquires ) obtained from when report merged with someone 's else that were not removed. so I called back and spoke to another rep ; told her what happened that Tranunion admittledly merged my report and I was told the in would be removed but nothing has been done. on   XX/XX/XXXX  I  sent an email to   XXXX   XXXX   CEO of Transunion about this issue as of yet I have received no email response. so toda y   XX/XX/XXXX  I called back again spoke with a rep and she told me she could not do anything that I had to let them fall off. so I ask to speak with a US rep and she transferred me to   XXXX   in special handlings. She claimed to be a supervisor. she was very rude to me. I explained to her that Transunion informed me that there was an error and m yreport merged with another persons and that I needed these inquiries removed as I did not authorize them they were from the other persons report.   XXXX   so rudely informed me that I needed to file a police report for fraud. but I can not file a police report because there was no fraud it was an error done by Transunion 's internal system ( again wording directly from there company ). please assist me in removed the unauthorized inquires. as they are effecting my credit. the creditors are saying call the bureaus and the bureaus say call the cred

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 2016-02-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i overdrafted my account seberl times now chase has restricted my acount wont give me my direct deposit which is almost XXXX dollars and its going on a month now. they took their money and keep telling me that the system will close it but drawing intrest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-07-09
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:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with a representative in the recovery department of FIFTHTHIRD BANK name XXXX on XX/XX/XXXX, regarding a balance owed on my bank card in the amount of {$970.00}. XXXX advised me if paid in full, FIFTHTHIRD would remove this account from my credit report within 30/60 days. I processed the payment in full using my debit card with XXXX on XXXX/XXXXXX/XX/XXXX. I noticed to date that item is still showing owed on my credit report. I called FIFTHTHIRD on XX/XX/XXXX and spoke with a young lady in the recovery department, who was extremely rude, told me that FIFTHTHIRD was not responsible for advising the credit bureaus that the account had been paid, even though I was guaranteed that it would be removed, but that I would have to file a dispute with the credit bureaus. I pleaded with her to get me to a supervisor because I am desperately trying to repair my credit to buy a home. She repeatedly said be patient and file a dispute, and eventually hung up on me. Item was not only, not removed, but never updated. On XX/XX/XXXX, I received an alert that my credit score dropped by 27 points. I called XXXX directly and it was confirmed that it was due to the FifthThird account showing even further delinquent on my credit report. Needless to say, this account is still sitting on my credit reports stating a balance due of {$970.00}. This bank has set me back so far due to their misrepresentation and lack of keeping their recorded commitment. 
Please, compel FIFTHTHIRD to honor their word and remove this item and hopefully Ill get those lost points back, and never deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: LA
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. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX aka XXXX XXXX  XXXX aka XXXX aka XXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.

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 2021-08-24
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: Was not notified of investigation status or results

Complaint:
Good afternoon, I am writing to you because I never authorized any furnishers to report on my credit and the information they are putting on there are fraudulent and wrong. I wrote to all 3 credit bureaus and none of them responded in over 2 months. I want these frandulant reports removed or I will seek litigation because what they are doing is also wrong by putting false medical reports on there I never authorized to report and they never verified any of this. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX, Account Number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  XXXX, Account Number XXXX has violated my rights.

15 U.S.C 1681 Section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I previously had my substantial student debt serviced by XXXX. Within the last year, the servicer was changed or the account was sold to Nelnet. 

Under XXXX, by default any overpayment of your monthly payment amount was automatically applied to principal. Thus, in the case of long term repayment plan, reducing the term and overall dollar amount of payments over the life of the loan. 

With Nelnet, there is no option to apply overpayments directly to principal on their paper statements or on the website ( I use electronic payments through the website ). Nelnet by default takes your overpayment and applies it to reduce your next payment. Buried deep within the fine print, dropdown menus, and additional steps which include a phone call to an account representative, there is an option to call them to change the allocation and have overpayment applied directly to principal. 

I submit there is a very good reason this feature is buried and not easy to accomplish. The servicer will be fleecing anyone who does not understand the difference of advancing to a future payment vs being applied to principal. I am sure there are plenty of borrowers out there that do not understand the difference and will ultimately be paying more than necessary over the life of the loan. I believe this is a deceptive practice. A practice I actually believed was illegal but perhaps only when applied to credit card issuers. 

I generally do not take the time to write complaints, but this practice will result in perhaps many thousands of borrowers significantly overpaying on a long term loan because they being taken advantage of by these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Verisk Analytics Inc
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On today i have tried to talk to this lady with this company she was the rudest person that i have every talked to in my life. I have repeated to her several times that I have made contact with the insurance company and they have stated that they have deleted the claims off of my records but when i try to run my home insurance records they are still showing up. She insists on being rude to me saying that i don't know what i'm talking about and continues to place me on hold for 5 to ten mins just to for the sake of it. Her name is Mrs. XXXX and she works with XXXX and she is the rudest person ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$10000.00} on XXXX XXXX XXXX original creditor XXXX XXXX WA account number XXXX. ( Please see page attached from my credit report. ) When I initially moved into the apartment I discovered there with two bulging holes in the roof ; along with numerous other defects in the apartment. I immediately contacted the management office and requested they send the maintenance supervisor and a crew member, along with the apartment complex manager, to investigate the roofing issues, as well as the other defects in the unit. I was assured by the apartment complex manager that these issues would be immediately resolved. The numerous repairs to the unit were never completed. Consequently, I had no choice but to vacate the premises. Due to the numerous repairs that were needed to the unit I was assured by the complex manager that I could vacate the property and that I would be released from the lease and that no collection action would be taken. The apartment complex did not honor their word. The supervising manager fired not only the apartment complex maintenance manager, but the crew member who initially investigated the material defects in the unit. I do not owe any outstanding balance and this false reporting of a collection is seriously harming my credit score. I have tried to contact the management company, as well as the bureaus to remove this collection however, I have not been successful. This line item needs to be removed 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 explanation
Consumer complaint received 2022-03-14
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/2021, I made a purchase at the Home Depot store in XXXX XXXX, Michigan, during the purchase the Cashier inquired as to whether I would like to open a new HD card and save a percentage of the bill. I agreed even though I've had a HD card for years Last four numbers ( XXXX ). Subsequently, I paid the remaining balance of {$21.00}. HD states the payment was misapplied to the old account wherein, according to HD the new account ending in ( XXXX ) should have received the payment of {$21.00}. 
Per the documents attached you'll find that once HD realized the mistake, they moved the {$21.00} payment to the New Account and proceeded to charge me Late Fees that now amount to {$140.00}. I've spoken with at least 4 different at HD whose Financial Credit Services are managed by Citi Bank to no avail. I owe HD nothing, my payment was made early, however, HD " misapplied '' the payment and charge costumers late fees?

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 2015-09-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase bank recently used faulty information to extort over {$3000.00} from me and my wife. XXXX they raised the escrow amount for our monthly mortgage by less than {$200.00}. We pay our mortgage automatically and I forgot to shift to the new, higher payment. Starting in XX/XX/XXXX, we received several threatening letters from Chase 's collection agency claiming we owed them over $ 3K. We raised the funds overnight and sent it to them. We did not owe them over $ 3K, though. We owed them less than {$300.00}. When I called them, I learned that : ( 1 ) Even though they deposited the checks I mailed them in XXXX and XXXX, and even though I no longer had access to those funds, they did not count them towards the mortgage payment because they were not the full amount. 
( 2 ) Because of that, their system generated an automatic letter to me claiming I owed over *Ten times the amount I owed* ( 3 ) When I then asked what would happen with the extra money I had given them over what I owed, they told me they had automatically applied it to the principle on my mortgage without ever asking me, and that in order to get it fixed, I would need to give Chase an addition {$140.00}. 
In short, they took money from me, did not apply it to my loan, threatened me unless I gave them over $ 3K and then used my money without asking me. Not only did their mistaken letter cause serious cash flow headaches for my household, but the icing on the cake is that in order to get them to do the right thing and use the extra funds the way I want them used, I have to pay them even more money. The situation is galling, and if it 's not illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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:
There is a late mark on my credit report from XXXX XXXX XXXX. I have never been late and I am requesting that you remove the late marks off of my credit report immediately. I have tried to reconcile with Equifax. They have customer service agents that can not understand English and will not remove inaccuracies from my credit file. I have followed the appropriate steps. The CFPB should audit my disputes and credit file to see the measures been taken and the fact that Equifax will not assist me. This is hindering me from getting housing and other banking products. I feel it is discrimination because of my XXXX  and XXXX that I explained to them I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and noticed some hard and soft inquiries that I dont recognize. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: OR
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 am very angry with the credit bureaus. I have sent them many letters and they do not give me an answer. I feel like they don't take my case seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
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:
I've tried several times to get these unauthorized hard inquiries removed from my report. I've been told by Equifax to contact the companies ( which I've done as well ) I have even tried calling to speak with someone about this and still nothing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Meridian Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not even know who this company is. There is nothing on my credit report for Meridian Financial Services. Lastly, they are calling for my old married name ( which I have not had in over 10 years ). They are calling family members too trying to reach this name also. I would like them to stop calling as again there is nothing on my credit report, nor have I received a debt validation letter for any outstanding debts that would have been owed prior to the past 10 years.

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 2018-03-15
Company: ERC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account from XXXX from XX/XX/XXXXkeeps being re-aged by debt collectors. I have disputed multiple times over the last few years. The most recent collector has re-aged it for the date of XX/XX/XXXX!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation