BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am here once again to dispute the late payment account that is being reported on my credit report. The account in question is as follows : XXXXXXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any proof. As I am looking over my credit report, I have noticed that this account is being incorrectly reported as a late payment account with a balance due. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. I urge you to take immediate action on this matter and conduct a thorough investigation to ensure that my credit report is accurate.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX 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

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 2023-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit on XX/XX/XXXX for XXXX in form of a check. They told me it would be a hold on the check until XX/XX/XXXX. Later i found out that they had the hold date change to XX/XX/XXXX. I called several time and they could give me no explanation. it was up the auditing team. I called the person that written the check for a purchase and he was told by his bank t that he check had cleared on XX/XX/XXXX and verified. I called once again to BOA and was told that they was not going to release the funds to us until XX/XX/XXXX and that will be the day we can use the funds. We have been banking with Bank of America for 6 years and have had over XXXX XXXX in the bank. Yes we have experience a lot of bias from this bank and this has been consist.

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 monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 checked my credit report and noticed that there were unauthorized inquiries showing without permissible purpose that i did not consent to and id like to have them removed. I tried contacting this company directly and struggled getting a representative on the phone. The inquiries id like removed are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my frustration and dissatisfaction with the ongoing challenges I have faced in attempting to rectify fraudulent items on my credit report. Despite multiple attempts to dispute and remove these inaccuracies, my efforts have not yielded the desired results, and the fraudulent items continue to adversely affect my credit standing. 

I have diligently followed the dispute process by submitting multiple letters and supporting documentation, including police reports, affidavits, and any other relevant materials, to substantiate my claims of fraud. However, despite these efforts, the fraudulent items persist on my credit report. 

I demand that you conduct a thorough and immediate investigation into these matters and take prompt action to remove the fraudulent entries from my credit report. This situation has caused significant distress and has a severe impact on my financial well-being. 

Additionally, I am requesting regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed with the utmost urgency to prevent further harm to my financial standing. 

If my concerns are not addressed promptly and satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX 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 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 explanation
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Financed a XXXX XXXX XXXX through Chase Bank XX/XX/XXXX. First was told 90 days no payments which was not the case. Called to bring loan current and was told account was charged off and that I only had XXXX options. First surrender the vehicle or second pay XXXX $ on an {$78000.00} loan. Was also told that I will be receiving an IRS form 1099C showing that I received a payment of {$86000.00} even if I pay the loan in full. I was told this by two different supervisors at Chase financial. So the bank charges off {$86000.00} as a loss with the IRS, Keeps an additional {$86000.00} in profit if I pay in full and I have to show to the IRS that I received an additional {$86000.00} in income that I never receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was shocked to find out that my loans were transferred to Nelnet without any prior notice, and I only learned about it when I received their bill. To make matters worse, they had combined three loans, including two belonging to my XXXX children who were already in the repayment phase, into one bill, and I was charged {$490.00} for it. The statement was dated XX/XX/2023. When I called them to get more information, I was told to try back later as the hold time was over 30 minutes. Also, an hour before closing time, all calls were cut off. Online, when I attempted to check my account, there is either no phone number or a phone number that does not belong to me associated with my account, preventing access to account online. When I tried to contact their IT department, I was put on hold for 30 minutes and then disconnected. The live chat online was also unhelpful, redirecting me to a page with the same phone number and wait times of over 30 minutes. I need Nelnet to provide me with an explanation of the loans they are billing me for, the phone number associated with my account, and a possible correction, as I have never paid {$490.00} for a student loan payment before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX, filed a FTC report due to unauthorized inquiries on my credit report. You are in violation of the FCRA for failure to remove inaccurate information from a consumer 's credit report. Furthermore, this is also negligence, and I would be able to argue this in court. I am again demanding that the following information be removed from my credit report within 30 days. Please see the attached FTC report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.

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 2023-12-28
Company: Stellantis Financial Services US Corp.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, First investors received a check totaling {$16000.00} for my XXXX XXXX XXXX XXXX that was totaled. The Market Value of the vehicle was actually lower than the processed check amount. I Spoke with a representative who stated that a vehicle valuation was needed to consider the vehicle paid off. XXXX XXXX XXXX XXXX XXXX  has tried to send over the report to XXXX XXXX XXXX as requested from first investors, but neither email seems to work. I am attaching the files requested to the complaint in hopes that first investors get this resolved immediately and updated on my credit report as paid in full as they stated they would via phone call.

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 2022-10-11
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: Reporting company used your report improperly

Complaint:
I am a natural born citizen of the United States of America. I have rights under 15 USC 1681.

Equifax are govern by 15 USC 1681. They have violated my rights numerous of times. I am demanding the accounts listed below be remove from my credit file.

Why? According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX  account number XXXXXXXX XXXX  account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a prepaid XXXX as a gift from one of my vendors. I attempted to identify its value on the issuer 's website ( XXXX, XX/XX/23 ), but the website indicated I had to call the issuer. Upon doing so, I was told the card was 'compromised ', but with no specific details as to how. I was instructed to utilize links on their website to submit photos of the card along with my personal information, but the website would not allow me to do so. I attempted with multiple operating systems and web browsers, but their system stated it was 'unable to process my request ' and to again call their phone support. I did so, and spoke with a supervisor after a long wait. XXXX ' informed me that he would escalate the matter, but could not take my name, email or phone number for them to contact me to provide resolution. Instead I was instructed to call back after 5 days. Looking at various web forums, this seems to be a pattern for many customers. The issuer states a card was 'compromised ' without any validation and refuses to honor it, which feels remarkably like an orchestrated scam.

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 monetary relief
Consumer complaint received 2023-10-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting 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 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 2023-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my most recent Citi Costco Visa statement ( ending XX/XX/XXXX ). I noticed the following charge : XX/XX/XXXX RETURN CHECK FEE - XXXX {$30.00} I immediately contacted my account for 2 reasons ( 1 ) I don't pay by check ( 2 ) and my account was not late as my autopay kicked in on time. 

When I contacted Citi they said it was for a return of my Autopay. I looked at my Bank account and there were no rejects on my checking account for Autopay. The rep I was having a chat with was saying that even though it took I still get charged since the 1st time got rejected. I don't see how you can get charged for a fee when something goes through esp when my bank ( XXXX ) says there was no rejection. Additionally from a Treating Customers Fairly perspective the actual 'fee ' they put on my statement is misleading.

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 monetary relief
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These are not my accounts XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them any money there is no contract between me and them stating that I owe this debt they need to produce proof of contract if proof of contract is not provided then delete this account immediately

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 2023-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: Collection Bureau of America Ltd.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi there, I am writing to express serious concerns I have. I was going through my email as I normally do each night and I noticed I received several emails from XXXX XXXX and XXXX stating I had a derogatory remark. I immediately went to verify if this was true and it looks like my credit score has dropped terribly. I am in the process of gathering information because I do not even know what credit was due nor was I ever notified. If I had simply been notified this would have been paid and prevented a time ago. At this point I have no idea who the creditor was or what was owed. I am extremely concerned and pretty upset. About a year ago I moved addresses and updated my drivers license so I would have expected any important mail to be sent to my current address. I have received nothing. Nothing stating any form of debt was owed. It is currently Friday at XXXX and I have not had any chance to call the collection agency and gather information. I am extremely sad from hearing this news. Please let me know what can be done and if there is anything I can possibly do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: FIRST FINANCIAL BANCORP
State: IN
Product: Credit reporting 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 just noticed a hard credit inquiry from First Financial Bank on XXXX XXXX XXXX There was no direct benefit or authorization for First Financial Bank to access my personal 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 explanation
Consumer complaint received 2023-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wells Fargo Card Services is continuing to illegally report on my consumer report after the 7 year cut off past the date of first delinquency. The account first went into default in XXXX of XXXX and has not been current since then. No payment was made to bring the account current since XXXX and the account should have been removed in XXXX of XXXX. The FCRA states that an account that is delinquent can appear on your consumer report for 7 years after the date of first delinquency, not the date that the account was charged off. 
Wells Fargo also never sent me any disclosures regarding my right to dispute the debts or charges or credit reporting that was inaccurate which is a violation of 15 USC 1666. Those disclosures are required by both state and federal law. 
The reporting of this seriously delinquent account has affected my credit in such a negative way that I have not been able to qualify for credit cards, loans, or cars. This is affecting my life to the point where I can no longer support myself or my business or most importantly my family.

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