BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
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:
I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Kindly correct this immediately. 
( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$90.00} ( Original Creditor : ) XXXX Balance : {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: CNG FINANCIAL CORPORATION
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
All of last year my child tax credit I should have gotten {$800.00} a kid totally up to {$2400.00} a month I only received {$800.00} a month only one month I received XXXX the beginning I also didn't get my unemployment covid back pay although I was approved for the covid-19 unemployment and my last day of appointment was the regular date that they started giving an employment I don't know why I wasn't approved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like for the CFPB to look at the mortgage assignments. 
This agency will note that the mortgage documents are fraudulent. 
The Lender has used court adjudicated Robo-Signers and other unauthorized persons to create a Chain of Title in the mortgage assignments.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I filed a complaint with FCRA regarding XXXX XXXX and their response was not true or acceptable. They have failed to identify the charges and the slander further more The account is charged off, after the investigation XXXX XXXX was not only refused to own up to bank error and do the right thing. I have enclosed the many error they have made on my credit report. after the investigation he continued to slander my credit report with Late payment on charged off closed account up till the present day. How is a charged off closed account according to the FCRA rules fit into his action. It is illegal and it shows some serious arrogance and demonstrate discrimination and bullying. This Complaint as I am submitting the attached XXXX report where he took it upon himself to break the law again! This behavior shows bullying and have the sense they are above the law! I demand that his behavior faces the right penalty

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 2022-08-03
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-10-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my account for no reason and took my money and said they refuse to return the {$5000.00} from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have been filing disputes with the bureaus and the only one who has not been responsive is Transunion. I have had several inaccurate items fixed on the other bureaus but Transunion has made zero changes. There are items that need to be fixed.

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 2022-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are several years on my credit report that payments have not been reported by Equifax. they have failed to report several years of my payments on at least 2 of my mortgages with XXXX XXXX. XXXX. I tried disputing on line and it tells me to try back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On the XX/XX/23 I sent a request for the balance on the account, per the instruction of capital one. I instructed them the deduct the Past due amount from the Balance : {$630.00}. This is in accordance with 12 CFR 1026.21 Treatment of credit balances - as a consumer I am acting in a compliance with the Truth and Lending Act.

I have attached the letter I sent them. PER the law, it should have taken 3 days to fulfill this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: DISCOVER BANK
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:
Ive sent Discover multiple correspondences in regards to reporting inaccurate account information. Demanding them to delete/remove the account, but my demand has fell on deaf ears. At this point Im left with no choice but to take my ignored complaints to a higher governing authority. The XXXX, XXXX XXXX. XXXX XXXX, The CRA must give you a written report of the investigation. Also pursuant to XXXXFCRA states that if the account is inaccurate it must be deleted. 
As mentioned in the FTCs Advisory Opinion Press Release on XXXX, In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file. I notified Discover of this FTC violation and it appears they ignored it. 
I have also notified XXXX in regards to this inaccuracy of this account. XXXX and Discover have both failed in their responsibility to conduct an appropriate investigation of the account. As seen in, Estate of XXXX v. XXXX XXXX XXXX XXXX. XXXX. XXXX ( XXXXXXXX XXXX XXXX  ). XXXX is known for claiming to have verified an account without ever providing proof. 
In conclusion, Ive notified XXXX and Discover both have failed to uphold their FCRA, as well as XXXXFCRA duties. This has brought great distress due to the fact that I have gotten multiple denials for auto and home loans etc. This is defamation of character on multiple levels and libel, which has harmed my abilities to acquire these basic necessities of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Referenced letter states I owe the state of XXXX money from alleged incidents that occurred over four years ago. I've been a resident of XXXX  since 2017. This is a fraud and harassment. I would like supporting evidence showing the dates and actions documented in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Re : Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. Please provide me with your statement of the amount owing as of XX/XX/2022 together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 
Each financial institution has an obligation to respect the privacy of its customers and to protect the security and confidentiality of the customers nonpublic personal information. DEPT OF EDXXXX reporting information on me to any consumer reporting agency and transferring my nonpublic information without my consent is a breach of this privacy obligation policy. DEPT OF ED/XX/XX/XXXX has failed to protect my nonpublic personal information which has resulted in substantial harm to my creditworthiness, credit standing, my general reputation of consumer and has inconvenience me with moving forward with my life. DEPT OF EDXXXX shall promptly notify all consumer reporting agencies of the inaccurate information and provide to the consumer reporting agencies any corrections to that information which should report all late payments from LATE as PAID AS AGEED. 
I am also aware that NOTHING under the Fair Credit Reporting Act requires a financial institution to furnish negative information. I am also aware that an original instrument should have provided to me which I have yet to receive. If DEPT OF EDXX/XX/AIDVANTAGEdid in fact, send me my original instrument of indebtedness in its original form, please provide those documents as well. 
Per the Freedom of Information Act, DEPT OF ED/XX/XX/XXXX has 15 days to respond. If any of the above information I requested can not be proven or DEPT OF ED/XX/XX/XXXX is unwilling to provide this information, this account must be UPDATED on my consumer report from LATE and PAID AS AGREED immediately to prevent further harm to me and my financial reputation. 
It is my belief that DEPT OF ED/XX/XX/XXXX is engaging in unlawful extortionate means to collect on extensions of credit. Reporting inaccurate information on me without my consent and demanding I pay an alleged debt is a form of extortion. What lawful authority do you have to violate my right knowingly and willingly to privacy with forethought and malice?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-08-06
Company: Chime Financial Inc
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made in app purchase on my XXXX for 7days of credits that were to be awarded. I never received anything. I contacted the app support and went in circles. I then contacted XXXX to dispute the charges and every single one was denied. I now went to Chime bank to dispute and they say a DECISION will be made by XX/XX/XXXX! I never received any of the charges! I have over {$250.00} that each company refuses to refund! 
XX/XX/XXXX {$4.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$4.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$33.00} and XX/XX/XXXX {$16.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$38.00} and XX/XX/XXXX {$23.00} and XX/XX/XXXX {$6.00} XX/XX/XXXX {$31.00} and XX/XX/XXXX {$9.00} and XX/XX/XXXX {$27.00} I contacted the app support on XX/XX/XXXX and after for all charges as they were to be a 7 days process. The reward selected would disappear and not show up ever. There are technical issues constantly and the app usually send a message with credits however when I complained at the numerous missing credits they made excuse after excuse and said check keep C

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2018-05-26
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a credit monitoring notification that a new collection was added to my XXXX credit report on XX/XX/XXXX from Diviersified Consultants in the amount of {$2400.00}. It stated the account originated in XX/XX/XXXX. Upon my credit alert I have made numerous phone calls to this company regarding the matter and I have been unable to reach anyone. I did not receive any written notification regarding any debt with this company. Upon more digging on my own, I found the original creditor was a company I hadnt done business with for well over 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-26
Company: Experian Information Solutions Inc.
State: NV
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 had four collections accounts with XXXX XXXX XXXX XXXX I paid them in full and they agreed to remove them from my credit report, I checked my credit report and all four were removed. Now I received a copy of my credit report and they are there again, I called Experian and they told me they will removed them but nothing has happen yet. Please remove all four XXXX XXXX XXXX XXXX collections 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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On or about XXXX XX/XX/2022 I contacted several insurance companies about auto insurance. My current auto policy is do for renewal so I am shopping around. I received several quote that are substantially higher than my current rate. The agents told me that I had several auto accidents and citations on my driving record. They told me they where getting this information from Trans Union XXXX XXXX. I contacted the FL DMV to verify there was not accidents nor citations on my diving record. I tried to contact TransUnion but they told me they do not report driving records. They told me that they know nothing about XXXX XXXX. I contacted TransUnion XXXX XXXX. They referred me to TransUnion representatives who told me again they do not collect driving information. https : //www.transunion.com/product/truerisk

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 2022-12-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX 's XXXX XXXX Credit Card was opened on ( XX/XX/XXXX ) problems started from the beginning of purchase card had free interest for ( ) cabinets were not ordered or installed and interest free was up, spoke with XXXX 's and XXXX, cabinets were installed and defective poor working man ship on cabinets and even worse on installation. 

Many months to years of back and forth we had requested arbitration card was paid off and removed from credit and closed. 
XXXX XXXX has re-aged credit account XX/XX/XXXX after falsely showing payments for the last 3 years, on a closed account. ( Inaccurately credit reporting violation of FCRA ) NO payments have made during this time, XXXX is demanding payment on a closed account that was paid in full .... XXXX XXXX has damaged my credit with the late payments on my credit report. 
I must stress no action has been made on this account in 3 years due to paid in full. 

I sent a dispute to all three credit bureaus, asking for investigation of violations of FCRA of XXXX XXXX XXXX, and XXXX sent a letter XX/XX/XXXX states there are no delinquencies reported, which was a fraudulent lie due to the credit bureaus posting lates and dropping my credit score on my credit reports which is supported by the documents dated XX/XX/XXXX This has caused denials of credit which has caused a financial hardship which I want to be compensated a 1000 per violations and further damage to me financially.

Company response to consumer: Closed with explanation