BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 complaint is a companion to CFPB Complaint # : XXXX-XXXX. 
Transunion continues to fictitiously " investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. 
They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy.

Just because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.

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 2016-08-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a state tax lien from GA that 's been paid and only credit report since XX/XX/2009. It 's been seven years and it should come off. All the other credit bureaus removed it with no hesitation but equifax will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have hired credit repair agency to help remove inaccurate information on mycredit report. They have been notified and the only agency that has made adjustments to my report is XXXX. Equifax and XXXX has not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: American Coradius International LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
American Coradius International LLC, calling from XXXX, calls daily claiming that they are attempting to collect a debt. I have no outstanding debts and this was verified by my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i moved to virginia in XX/XX/XXXX, i did not start working until XX/XX/XXXX but the state of virginia say i owe them $XXXX for taxes in XX/XX/XXXX i only made about $XXXX , i do not know who to contact , this has been a nightmare,, they have now sent this bill to a collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a participant in the Public Service Loan Forgiveness Program and my federal direct loans are serviced through myfedloan.org. MyFedLoan.org is currently distributing faulty information about the CARES Act and how borrowers can receive qualifying payments through the recently passed forbearance period recently passed by Congress. I have tried contacting them with no response received.

This is what their website currently states : " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan The time spent on the emergency administrative forbearance will not count toward your required payment count. '' This is incorrect according to multiple sources and the Consumer Financial Protection Bureau Website. The website upon which that information is housed is here : https : //myfedloan.org/borrowers/covid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint against Equifax , because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. It has been over 30 days. So this account is supposed to be removed from my credit report according to the FCRA. 

Also Equifax put back an unauthorized inquiry that was deleted off my credit report in XXXX 2016. I have proof that it was deleted XXXX 2016. The included attachment shows it was deleted XXXX XXXX, 2016. It is item # XXXX on the enclosed attached, XXXX.They re inserted it back on my credit report the next day. I have been writing them since XXXX 2016 and sending them the proof that it was deleted. But they ignore me and continue to list it on my credit report. I had read somewhere that they must send you a written letter giving you 5 days notice that a deleted account will be placed back on your credit report. This was not an account, but an unauthorized inquiry due to identity theft. Please help me get these issues fixed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Paypal Holdings, Inc
State: OH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX, I sent a payment of {$400.00} through PayPal to my daughter. I, later that same day, sent another {$400.00} in error because I did n't think the first {$400.00} had transpired. 
I cancelled this last {$400.00} and my daughter also refused the payment. Paypal continues to take that {$400.00} out of my checking account regardless of assuring me that the payment was cancelled. They are now also taking an additional {$400.00} out that was never received by my daughter. They tell me because my bank refuses payment they will continue to withdraw the funds even after it was cancelled and refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: LEXISNEXIS
State: MS
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 checked my credit report and found that 3 companies were violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 and USC 1681 section 604 A section 2. I have the right to privacy. A consumer reporting agency can not furnish an account without my written instructions. I sent out a complaint the was received XX/XX/22. These accounts remain on my report, violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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 information incorrect

Complaint:
Hello, None of the boxes I checked previous to this were particularly accurate, but I wasn't given the option to select what my issue is. 

My issue is with Experian and their credit report and scores. My score has inexplicably dropped 25 points this month, I have logged into my account to see if there is any fraudulent or incorrect information on there and there is not, my account information ( debt, balance available, accounts opened/closed, credit inquiries, negative comments etc ) is all exactly as it should be and exactly what it was the month prior.

It is inexplicable to me how a credit score can drop so steeply without any of the information in the credit report changing - it goes against every piece of information on how credit scores are determined. Because this is so puzzling and nonsensical I have tried repeatedly to contact Experian to have them explain this to me and I can not get an answer from them as to why.

I am fully aware of all the factors that go into a credit score, because non of these factors changes, my score should not have either. It remains in the mid-800 's in other credit companies ( XXXX  & XXXX ) which makes this huge drop with Experian even more nonsensical. 

All I'm asking is ... give me the reasons why my score dropped so that I can challenge it if it is fraudulent, or work on fixing it if it is accurate. But without telling my why, this is impossible to do. 

Thank you.

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 2022-09-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
hello I been dealing with Chase bank over two years now, never had an issue never missed a payment i have two credit cards with them one Chase freedome unlimted with XXXX limit which is 90 % used Chase sapphire reserve with XXXX limit which is 5 % used they reduced my Chase sapphire reserve from XXXX to XXXX without any notice which caused my score dipped XXXX points in one month and caused increase in my Credit card usage tried to call the bank and asked them to solve the issue and i was ignored thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Experian Information Solutions 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:
I have contacted you previously explaining that I have been a victim of identity theft andthere are several fraud inquries that were done using my personal information. This was unauthorized an FRAUD

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 2020-03-30
Company: EQUIFAX, INC.
State: IA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove/block the accounts listed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a cashiers check dated of XXXX XX/XX/XXXX and that funds was debited after a stop payment was issued. The letter states since the account was closed with a negative balance owed a check was enclosed. I havent banked with Wells Fargo since XXXX and havent received or heard anything in years. I dont know if this cashiers is fraudulent or not, Ill like to declare if it is or not. However I did just call the number on back of the disclosed letter, XXXX and states it is a collection agency attempting to collect a debt.

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 2021-09-25
Company: EQUIFAX, INC.
State: IA
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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint with Equifax on XX/XX/2021 about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now! Im XXXX furious!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We have submitted documents for a partial release of our property to Mr. Cooper in order to sell a parcel of our land. The documents were sent in XXXX of XXXX and as of XX/XX/XXXX we have not received a response, even after repeated requests for updates. 
XX/XX/XXXX, XXXX received Partial Release documents from Mr. Cooper XX/XX/XXXX, XXXX documents to Mr. Cooper via certified mail XX/XX/XXXX our bankruptcy attorney received an email from the mortgage company 's attorney stating that the sale of the land was contingent on approval from MA HUD and US Bankruptcy Court . 
XX/XX/XXXX, XXXXmortgage company attorney emailed the mortgage company for a status update-no update was given XX/XX/XXXX, XXXXmortgage company attorney let our attorney know the Partial Release request was in the HUD office in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: JPMORGAN CHASE & CO.
State: CT
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 rewards from credit card

Complaint:
" Earn  XXXX  points '' after you spend {$2000.00} in purchases with the card in the first 3 month from account opening ''.   I opened my  XXXX  Credit Card with Chase bank in  XXXX     2016  and spent well over {$2000.00} in the first 3 months, however was not credited with the promised  XXXX   XXXX  points! I applied via a email link with invitation code for that offer.  Chase instead just gave me  XXXX  free nights which is only 40 % of the value of  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I sent letters to Equifax Credit Bureau from XX/XX/XXXX to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here are the list of concerned account that needs to rmove completely from my Credit Report : XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXXI-Balance $ XXXX Opened : XX/XX/XXXX, XXXX Balance {$1700.00} XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-04-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I returned the rental car to XXXX XXXXXXXX XXXX XXXXXXXX, and the agent told me the amount was {$300.00} some. I agreed to pay that amount, and that amount only. But after I handed the debit card to them, they changed me {$600.00} some without my permission, no verbal agreement, pin number or signature was provided to the merchant to authorize that transaction. 

I complained to their agent, and tried to dispute that transition with my bank-Wells Fargo , but the bank seemed like it was ok for them to take money out of my account without my permission. The amount that I didn't authorize was {$260.00} and was recently taken out of my account.

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 2016-01-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I originally submitted a complaint against Equifax Credit Reporting Agency as I could not get my annual credit report for the past 4 yrs. After filing the complaint with you, Equifax mailed me my credit report at my address on XXXX XXXX XXXX in XXXX, NV. on XXXX XXXX, 2016. My first name was spelled wrong, it 's XXXX not XXXX and, more important, my birth date was wrong, it is XX/XX/XXXX NOT XX/XX/XXXX. I called and told them this and they gave me a fax no : XXXX and told me to give the following information on the cover sheet : name, social security, email address and phone no. I then faxed over a copy of my birth certificate and a copy of my social security no. XX/XX/XXXX, with a request to mail me a corrected credit report ( for free ) to insure the corrections were made. I have the receipts. Then I received a letter today, dated XX/XX/XXXX that stated the information I gave them did not match the information they currently have on file. Well, that 's pretty obvious.THIS IS BECAUSE THEY ( not me ) HAVE THE WRONG INFORMATION. The letter states I MUST submit the following : birth certificate ( I did ), XXXX ( I am retired ), pay stubs ( I receive soc. sec., I 'm retired ) and copy of my social sec. card ( I did ) It also states I must submit a copy of my driver 's license, rental agreement, utility bills etc. to verify my address. My address IS ON MY CREDIT REPORT AND I HAVE RECEIVED ALL OF THEIR MAIL AT THIS ADDRESS at XXXX XXXX XXXX, XXXX, Nv XXXX. Why do I need to verify this??????? I called their customer service no. today and was shocked. They told me that they did n't know what fax no. the XXXX belonged to and gave me a new fax no. of XXXX/Dispute Depart. and in the letter it says I have to pay for the credit report. I have no idea where all my private information has gone. They should not be allowed to function as a credit reporting agency. I would like you to fine them so much money that they might become a better company and certainly more organized. They are handling people 's lives. Your credit affects everything. If they are so concerned about protecting your credit then they should get this under control ... who knows who has all my personal information? Please make them correct my credit report and issue me a free one reflecting those corrections. The information with the other XXXX credit reporting agencies are correct.

Company response to consumer: Closed with explanation