BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: Experian Information Solutions 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 information incorrect

Complaint:
THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX  XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different 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 2015-12-08
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My student loans were rehabilitated in XXXX through the XXXX. As such the defaulted status on all student loans/tradelines on credit report must be removed. Moreover, after most of my student loans were updated I noticed XXXX from XXXX that was still reporting as defaulted and showed incorrect information regarding prior late payments. My loans did not mature for payment until XXXX as such I was in a forebearance/hardship deferment from XXXX through XXXX and another in XXXX until I was denied. I did fall behind in XXXX but only because I was denied a hardship even thought XXXX would not work with me. I was working for the XXXX as a single mother with not a lot of income. However, I found another job making more money and started my rehabilitation. As such my loans are in good standing. I would like my credit report to reflect accurate information I worked really hard to get back on track and I deserve my credit to reflect the same. I have sent several letters to both XXXX and the credit bureaus with no help from either but rude individuals. I have all supporting documents to show that XXXX is still reporting defaulted, reporting incorrect late payments, I have all of my forebearance information. After disputing with them, they sent me loan information which I attached indicating I was 0 days delinquent and paid yet reporting differently to credit bureaus. I sent the same to credit bureaus and they still validate the information being reported? I have attached the most recent letters but I have been disputing the same for months and had an Omnibudsman involved named XXXX XXXX with the U.S. Department of Education, who I never heard from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: ACS Education Services
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: Account status incorrect

Complaint:
ACS/XXXX XXXX is reporting a student loan incorrectly on XXXX that is outside the 7-year statute of limitations with 180-day lates in XX/XX/XXXX. It should have been deleted on XX/XX/XXXX since the last payment was made XX/XX/XXXX. SEE ATTACHED DOC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions 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:
There are accounts on my credit report that do not belong to me I have tried many times to get these accounts removed from the credit reporting agencies but it is still not done. I have never done business with any of these companies and this is effecting my credit negativity and it is stopping me from buying a home.

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 2020-08-17
Company: Experian Information Solutions Inc.
State: NY
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:
FEMA/Treasury grant from Hurricane Sandy Flood Disaster from XXXX converted to a loan illegally in XXXX and at an interest rate of 40 % in bad faith showing on my credit report as delinquent. Which is in correct because I am in court with legal disputes and also making paying every month from my USA Treasury check as dispute continue. There is a legal court document granted against FEMA/Treasury signed by a Federal Judge. There is also medical necessity and sufficient proof from supporting papers that there is a major violation of Federal Truth in Lending Disclosures Act and credit reporting act under FTC law.

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 2017-02-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have notified Equifax numerous times about this XXXX Credit Card that is still reporting on my credit report. That balance was written off from XXXX last year. Once a balance is written off from the bank they claimed it to offset their business taxes. The bank has not updated Equifax on this account. It needs to be removed from my credit profile. 

XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2020-08-17
Company: Franklin Collection Service, 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: Old information reappears or never goes away

Complaint:
I received a collection notice from Franklin Collection Services. On my first three attempts, I had a problem using their website to pay off my {$130.00} collection bill. I paid the collection bill over the phone on Tuesday, XX/XX/2020 in which an agent informed me that they will no longer make any derogatory reports on my credit. However, to summarize the number of derogatory reports that they have made on my account, the made several in almost a ten day period about the same collection notice meaning that duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. The dates are as follows : 1. XX/XX/2020 2. XX/XX/2020 3. XX/XX/2020 4. XX/XX/2020 ( The same day the dept was paid off ) 5. XX/XX/2020 ( After the debt was paid off ). 
6. XX/XX/2020 ( After the debt was paid off ). 
7. XX/XX/2020 ( After the debt was paid off ). 

In addition, on Sunday, XX/XX/2020, I filed a complaint against Franklin Collection Agency with the XXXX  and The Ohio Attorney General. I called Franklin Collection service again on XX/XX/2020 after receiving another notification of a negative inquiry on my account for the same debt that was paid off. 

The debt collector does not have collection authority on this account which represents an inactive debt and several duplicate reporting for the same account and the multiples, all six of them, should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase Bank. When you go to their website or XXXX app, there is a marketplace where they offer you products. Credit Cards, Auto loans, etc. They tell you are already approved and give you the terms, amount and rates. When you click to accept they deny it for different reason. I called Chase to explain but they said that is like a pre approval. But why they say it is already approved?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I received a direct deposit of {$450.00} on XX/XX/XXXX I tried to send money out my account was locked I received an email saying that I should regain access within 24 hours this was the last response I got from cash app support. At this point I have emailed them and direct message cash up support on XXXX  and emailed their support team through the app as well and have not gotten a response at all I've had people try and scam me but no one from cash app officially has emailed me back my money is still there I just can not use it this is all of my paycheck from my previous job

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX XXXX XXXX  advocate She passed away XX/XX/2020. 
I sent in 3 reports with XXXX XXXX and all pertinent identifying info to each credit agencies now 6 weeks ago to freeze here reports.i received a credit report from experience but nothing else from the other two with no credit freeze info industry acted. Useless. 
My name is XXXX XXXX XXXX her roommate and I have POA. Sent in a copy of this also. 
What a response and credit freeze applied. Have cancelled all her CC etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have filed disputes with XXXX and XXXX. I received my free credit report online for Equifax and got kicked out. I have yet to be able to get back in to file the disputes. They keep saying they ca n't find my file. I printed the transaction page with my code on it which is more than the XXXX digits they keep asking for. I did n't know about the issue and once I found out only because I was checking my own credit via XXXX XXXX, I figured out what was going on. I paid all items on XXXX/XXXX/2015 and the case was dismissed. I ca n't even get into Equifax to dispute it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have not been able to obtain my credit report from equifax because they have mixed my information with my deceased grandmother 's. I would like a copy of my report to resolve any mistakes there may be on that report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 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 2016-06-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
We have a savings account that we have had for many years. Never really checked balance but when we did XXXX or 4 years ago it was drained to zero. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX anT they confirmed that our account was being used to pay XXXX of there customers.they withdrew XXXX months and only gave credits for XXXX months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Please see figures below. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage was sold to a new company ( XXXX partnered with XXXX ) and old collector ( OCWEN ) never informed about the transfer. We do n't know if transfer is legitimate or not. We do n't want to send payment to a false collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: WELLS FARGO & COMPANY
State: NC
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 undergoing the home loan process and as part of underwriting the loan provider found one of my student loans has not been reported on since 2014. I receive updates from Wells Fargo regarding the status of the loan, and have been trying to contact them to verify the status of the loan ( payments, balance, etc. ) but they have not responded to my attempts. 

This loan was originally through the XXXX XXXX, but now is serviced through Wells Fargo. Frankly, I am doing this because I dont know what else to do. I have tried calling Wells Fargo but nobody there seems to know anything about the loan, and my emails to the individual who has sent updates in the past ( XXXX XXXX ) have gone unresponded to, and at this point I am starting to get genuinely worried that this is going to ruin my attempt at purchasing my first home.

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 2020-01-13
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/20, {$140.00} was debited from my checking account and sent to Dynamic Recovery Solutions, a subcontractor of XXXX XXXX. On XX/XX/20 I received a confirmation letter in the mail that the debt was NOW settled. Well, today I called to see when they were to be removed from my credit report, and they denied that payment ever happened! My bank confirms that the transfer went through. Someone is a liar. Money doesn't just disappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I went to XXXX in XXXX of this year for few days and rented a car XXXX. Allegedly, XXXX billed my credit card few months alter for reason still unclear to me. Chase mailed me documentation XXXX which I ca n't read nor understand. I 've been working with Chase diligently to resolve this but apparently they are NOT listening nor seem to care. I 've left with a charge of {$640.00}. Please help in this XXXX scenario!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I settled a XXXX XXXX account for less than owed and was sent a XXXX. This company should no longer be 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 2022-08-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX XXXX XXXX XXXX in the mail dated XX/XX/2022. After reviewing all three Credit Reports with XXXX, XXXX, & Experian I noticed several fraudulent inquiries appearing on my credit report that I do not recognize. I have not applied for credit for quite some time. I noticed a total of XXXX inquiries that XXXX be connected to fraud. 

I did some research online on how to take care of these fraudulent inquiries, and then I saw some Credit Attorney online explaining how to fill out an FTC ID Theft Report. I submitted the FTC ID Theft Report back on XX/XX/2022. Please see the attached report for your review. These fraudulent inquiries are not mine are having a major detrimental impact on my ability to borrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital one bank ran a hard credit report inquiry without my consent. Called the XXXX department XXXX capital one and they said that they couldn't find no application. However XXXX  report states there was a hard inquiry on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent Equifax a request to verify information by sending me the original agreement with signature in regard to the debt collection account XXXX XXXX for {$10.00}. However, I have not received the results, the original agreement, or a confirmation for receiving my request. It has been more than thirty ( 30 ) days since my request and I have not received the results. Today, I called Equifax and they were unable to verify, or locate, the results or when it was sent.

Company response to consumer: Closed with explanation