BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have been disputing the said Bankruptcy Chapter XXXX with an inaccurate case number with Both XXXX & Experian since XX/XX/XXXX. They have repeatedly changed how my disputes were worded, A XXXX Representative by the name of XXXX XXXX Whom I spoken with today XX/XX/XXXX @ XXXX stated XXXX get their verification for Bankruptcies directly from the courts. And I was told this before also by a Experian Representative XXXX with employee Id # XXXX today XX/XX/XXXX, so I did my own research But when I have contacted the courts I was told by their Representative that they do not report to any third party companies, and she directed me to PACER to put in the both different case numbers thats being reported by Experian & XXXX , and they BOTH came up an invalid case number was entered. Also on the credit reports it states they get their information from another Third party Company XXXX and says nothing about receiving information directly from the courts, Which is clear Proof of the inaccuracies being reported by Both Bureaus. I have consistently sent in proof with every dispute and each time they say its verified with no proof as to how they both did their first investigations, Or they mysteriously didnt receive the disputes I have sent By Certified mail each time. also When I initially started my disputes back in XX/XX/XXXX, when I noticed these huge differences of reporting between the two companies, and after each dispute, I have requested validation as to what Company they have done my investigation through, & how they came to the conclusion of an accurate reporting of that case numbers, but both XXXX & Experian are NOT abiding by the FCRA laws and these companies really need to be investigated! And I am still Demanding under the FCRA that account to be Deleted immediately from both of them.

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 2017-08-25
Company: EQUIFAX, INC.
State: AL
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 become aware I am a victim of identity theft in the last few months. I 've notified creditors in writing, I 've asked Equifax on more than one occasion to send related documents to creditors supporting my claim and it 's getting quite ridiculous. At this point the creditors should automatically delete accounts related to identity theft or if the creditors are being uncooperative Equifax should block/delete the accounts on behalf of the consumers claim according to the laws laid out in the Fair Credit Reporting Act. There is still inaccurate false items being reported to the Equifax Credit bureau. I have exhausted myself to try to have the inaccurate, incorrect information removed from my credit file, however Equifax keeps sending me letters saying the information has been verified as belonging to me. Enclosed in this complaint will be screenshots of correspondence with Equifax. OnXX/XX/XXXX I receive a notice from Equifax saying that the address XXXX XXXX XXXX in XXXX, Georgia XXXX has been deleted from my report. And then betweenXX/XX/XXXX and XX/XX/XXXX I received a notice from the credit bureau that there has been a change to my credit report and the address XXXX XXXX XXXX in XXXX, Georgia XXXX was supposedly reported by " one of my creditors '' as a recent address. At the same time XXXX XXXX was apparently deleted but still showing up. Now mind you, I have never lived/resided/got mail at XXXX XXXX XXXX in XXXX, Georgia. 
It does n't take a rocket scientist to figure out what is going on. The creditors in dispute are trying to verify the accounts as belonging to me by having identifying information such as an address that I have never lived at. This then gets the wrong address reported to my credit file so the creditors may verify the address as belonging to me so they do n't have to delete the inaccurate account information appearing in my credit file. This should be crystal clear to Equifax and they should delete the inaccurate credit accounts on my file that I have disputed more than once. The inaccurate credit accounts are XXXX XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX. Please remove these accounts at the soonest time possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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: Investigation took more than 30 days

Complaint:
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Fraudulent Accounts : ACCOUNT XXXX  XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : $ {$3800.00} Fraudulent Inquiries : Inquiry Name : XXXX. 
Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Santander Consumer USA Holdings Inc.
State: KY
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 DID NOT APPLY FOR CREDIT AT XXXX XXXX XXXX XXXX WITH SANTANDER CONSUMERS ON XX/XX/22. PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Information that should be on the report is missing

Complaint:
On my credit report they say I owe over {$17000.00} in child support that a lie i jave proof i was paying my child support I have my check stubs to proof it

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 2017-08-25
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
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:
Lyons, Doughty, and Veldhuis P.C. FAILED to answer the information I asked from them to validate the alleged debt. They instead sent me some papers which were never received at this residence that were photocopied as their " proof ''. 

This debt collector also stated that I was not allowed to ask for a debt validation because it was past 30 days. Thats incorrect and is a simple scare tactic they are using thinking that I do not know my rights. 

Debt collector ran my name, SSN, and other important/personal information through the US Dept of Defense without my knowledge OR consent which is ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I want to escalate a very serious promotional offer and customer service issue with XXXX credit card customer service representative when I called on my XXXX reward card ( that is managed by XXXX XXXX XXXX ). I called their credit card customer services about two weeks ago and spoke with a representative for the promotional offer issue. But very unfortunately, this representative had very serious discrimination against me. This particular representative 's discriminatory statements are against US Federal laws. It was absolutely unacceptable and very insulting to me and I was extremely shocked by this kind of credit card customer service provided by XXXX. For their information, XXXX Credit Card customer service representative 's name is XXXX and her employee ID # is XXXX. Also her phone extension is XXXX and she is based in XXXX Idaho location. 

I must request XXXX to provide me at least {$300.00} compensation for the promotional offer issue as well as discrimination by their customer service.

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 2022-09-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My phone number was hijacked on XXXX XX/XX/2022. The thief created new accounts and asked for my existing credit card to be expedited to an address ( not mine ) in XXXX XXXX. I called Chase on XX/XX/2022 and reported all the new accounts that were created in my name, and I reported the fake address the thief was using. I reported that he had gained control of my account by getting one-time codes. I found out that Chase had not locked down my account but had allowed the thief to keep the new accounts active after he called back on XXXX XX/XX/2022. On XXXX XX/XX/2022, I went to a local Chase bank, and I again reported all the fraudulent activity. The Chase banker put me on the phone with their fraud department. I asked that all accounts including my only Chase account, a Chase XXXX XXXX XXXX, be shut down. Chase did NOT shut down my XXXX Rewards Account. I have called Chase back many times during XXXX and XXXX asking Chase to shut down my Chase XXXX Rewards Account. As far as I know they have not. When I sign into my XXXX account a XXXX ( that's right XXXX!!!!! ) account number with a new set of last XXXX digits XXXX is listed. I want NOTHING to do with Chase. They are incompetent. They refuse to shout down my XXXX XXXX XXXX. This is INSANE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. the accuracy of my credit report is unmatched. I am contacting the original creditors that are responsible for reporting invalid information. all accounts, dates, amounts are listed in the files. please review and remove the listed items 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 2017-08-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have recently obtained a copy of my credit file and there are many mistakes in my report. 
XXXX XXXX MERCHANT - XXXX : Unverified account XXXX CALIFORNIA XXXX XXXX : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have an issue with BB & T bank with both my husband and I being charged 2 times for a {$35.00} overdraft fee. One on his checking account number and one on mine. On XX/XX/XXXX i transferred {$20.00} from my husbands account to mine. Before I made the transfer, I logged into our account to make sure that the funds were there and they were. A few hours later, I logged in again to see that we had these overdraft fees. When I called a few min later, there was an attomated message saying they were doing maintenance on their systems and both phone and website were not updated correctly. A few hours later, my husbands check was direct deposited into his account. I quickly transferred {$80.00} and called to dispute! The representative said she would put in a request for refund and she said she did see a problem. The representative also made me aware that I had a protection coverage on my account and previously, I was being charged. I was unaware of this and she stated it should 've never been in place. After calling around for several hours on the XX/XX/XXXX, I was hung up on twice and denied! I was told from a women in research department that she will keep dening my request and was unable to help. I had a manager tell me that there is nothing he could help with and feel free to seek legal advice. Another research rep told me not to go by phone or website and it 's my responsibility to to track my spending. I have worked in customer service in the past and have never not found a solution or talk to a customer this way. I honestly feel that something not right is going on here and getting different stories from different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XXXX XXXX XXXX I received a reply from TransUnion regarding the dispute of inaccurate and unverifiable bankruptcy information contained in the public records section of my credit report. TransUnion says the information is verified as accurate. Yet, you can see the information is invalid & not verified. It 's as simple as seeing that they even continue to report inaccurate telephone number information ... as well as other inaccuracies & unverifiable information too. 

Additionally, TransUnion has also violated the Fair Credit Reporting Act by neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. Furthermore, TransUnion is not supposed to score the contested information against me during the verification process. 

Additionally, TransUnion has NEVER verified the public records information DIRECTLY with the Bankruptcy Court of XXXX County Court. If they had, they would 've  discovered that much of what they 're reporting is inaccurate and incomplete. I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court or XXXX County Court. 

I have also attached a letter from the US Bankruptcy Clerk  that states that credit agencies get their information from a 3rd party service such as XXXX or other agencies like  XXXX. This is not reliable, and is prone to errors. 

TransUnion has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to TransUnion. 

I am demanding that TransUnion be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX County Court ).

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 2022-09-03
Company: EQUIFAX, INC.
State: AL
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 Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX MOBILITY ) 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: U.S. BANCORP
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX  passed away in XX/XX/XXXX. My father had passed away previously in XXXX. Shortly prior to her death, she refinanced her home and and transferred her mortgage from US Bank to a reverse mortgage. 


I was appointed the Personal Representative ( XXXX XXXX ) for her estate. My XXXX XXXX  estate did not go through probate, because he had a living spouse and they had signed a community property agreement. Under the terms of his will, she was his sole heir. 


When I went through her paperwork, I discovered an escrow refund check from US Bank. The check was made out to both my parents and dated XXXX days prior to my mother 's death. Because I have no authority over my father 's estate, I was not able to cash the check. I contacted the bank and asked them to reissue the check payable either to her alone, or to her estate. 



Since then, I have talked with the bank several times, and worked with XXXX XXXX in their Life Events department. The bank sent me a letter acknowledging me as the " XXXX in XXXX '' on the property, but I haven't had any further communication from them. When I have tried calling the contact in the Life Events department, I get voicemail. I have not received a call back. I have given them several weeks to respond to emails, but there has been no reply. 

I have also tried calling back to the mortgage department, but they are unable to help with closed mortgages. When I have called, I have been transferred to various departments, but it seems to be an unusual situation and no one is sure how to handle it.

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 2017-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
InXX/XX/XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XX/XX/XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage.
The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments.
After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus.
I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.

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 2017-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit Fraud Alert/ freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation