BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The Chase Credit account ending XXXX was paid in full, however after paid in full the creditor made an unauthorized charged to the account without consent in the amount of XXXX. I have reach out regarding about this matter and informing the creditor that i will not be responsible for any unauthorized charged made by the creditor without my permission or mistake on their behalf that incurred more fees on top which shows an unfair practice within the creditor. also there's is checking account open without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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: Information belongs to someone else

Complaint:
I signed up on the Experian application to view my credit report and to my disbelief Ive been impersonated in which someone has opened or attempted to open several accounts in my name without my consent. This is completely illegal, i have reported it to my local precinct however was told i will also need to report it to the FTC and credit bureaus. The following account was not authorized by me and is Fraud, XXXX XXXX XXXX. Ive also never applied for anything as i am new to credit, so the following inquiries are also Fraudulent, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove this fraudulent information 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 2017-02-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently submitted a dispute to Experian based on inaccurate information on my credit report. There is a collection listed for XXXX XXXX, and showing XXXX as the Original Creditors. I contacted Experian to let them know that this information should be removed and that I paid XXXX XXXX XXXX in the amount of {$410.00} ( see attached ), over a year ago. Experian still refuses to remove the information, and has only updated my credit report with inaccurate information which shows a balance owed of {$410.00}. I have attached front and back copies of my check, which was cashed by XXXX XXXX XXXX over a year ago. Please help me hold Experian accountable for removing this inaccurate information from my credit report. This has negatively impacted my ability to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: LA
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:
This account is ilegally reporting on my credit record, This collection is violating my privacy and the HIPPA Law. I would like for this collection to be removed from my credit record within 21 days. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In 2016, I took out a line of credit with Fifth Third Bank to borrow money for some property that he was purchasing. Upon purchasing and selling the property, he immediately paid off and closed the line of credit. Despite closing the line of credit in 2016, Fifth Third continued to charge an annual fee of {$65.00} or a total of {$390.00} for the following 6 years. The interest rate for the line of credit was 4.74 %. Approximately 3 years ago, I needed a loan and went to Fifth Third and secured a {$3000.00} loan with an interest rate of 12.99 %. I have been assessed over {$1000.00} in interest rates since paying off the loan a month ago. In XXXX of this year, I went to Fifth Third requesting an application to submit for a line of credit. The Fifth Third representative told me that I already have a line of credit in the amount of {$80000.00} which I assumed had been closed in 2016 when I paid it off. I have contacted the Branch Manager ( XXXX ), as well as the District Manager ( XXXX XXXX ) and have requested that either the interest rate for the {$3000.00} loan or the annual fee for the line of credit be reimbursed due to the fact that I would not have agreed to the much higher interest rate of 12.99 % if I had been told that I could access funds from the line of credit. Despite several efforts to come to a resolution, Fifth Third is unwilling to reimburse me for what I feel are double charges. At the very least, Fifth Third acted in an unethical manner by only offering me a high interest loan of 12.99 % when I had a much lower line of credit rate of 4.74 % available and wasn't aware. I would like to get this resolved as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and I have unauthorized and fraudulent credit and collection accounts, and inquiries listed on my Equifax credit report. The following credit and collection accounts, and inquiries are fraudulent, unauthorized and do n't belong to me : 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 and XXXX XXXX., XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have started this process in XXXX XXXX and as I write this letter there has not been any resolution. My husband passed in XXXX of XXXX. He tried for a modification and he died before any resolution. So, I lost my job in XXXX XXXX, and been trying to keep up, but found it difficult and started the process XXXX of XXXX of modification and assumption which customer service representative stated I could apply for, and I find myself hitting the same brick walls.. In fact, today I received a letter from the mortgage company threatening to foreclose on my property ( demanding all monies due on the home ). Although, the customer service representatives are telling me and have been saying that I am applying for modification, not to worry. Every time I have called there has been a problem with what was sent, even though it is actually what was asked. In the beginning I did not call on a regular basis because I thought that the mortgage company was working on my file. The customer service representatives told me it could take a couple of months. But as time progressed I became concerned and begin to call and found out that no one was working on my file because the documents I sent had expired. One particular incident stands out to me :. So when I called to get an update, the customer service agent I spoke to this time stated that my P & L was not signed, so this is why no one has looked at your file.I was told that my P & L statement was n't accepted because I did not sign and date it. I had called at least XXXX times prior and no on ever told me that this was a problem. In fact, I had to send another P & L because customer service stated the last one was outdated and still no one stated that I needed to sign and date. Are you kidding me!!! And this has been the story until today. I am attaching a portion of the correspondence that has been sent to me during the process of apply for an modification. I think my documents should be reviewed in a timely manner and someone assigned to my account should send me an update on a weekly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2022-05-26
Company: Applied Business Services, Inc.
State: HI
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : Applied business service XXXX XXXX XXXX XXXX, nc XXXX

Company response to consumer: Untimely response
Consumer complaint received 2016-12-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hello, My name legally changed in 2015 and the credit reporting agencies refuse to accept the court order and make the change to the credit report ( The previous name must not be disclosed, per court order - more than five years after the change ). This has resulted in a denial of credit because of lack of a credit history and a fraud alert on my account. 

They have stated that they will not change the information unless it comes from an original creditor, but this is false credit reporting because it is my history, my former ( birth ) name, and my new ( legal ) name. 

One of them did finally agree to make the change, but still sends my information in the former ( birth ) name AND when it did reflect the new ( legal ) name, they included a middle initial. There is NO MIDDLE NAME/INITIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been private loan paying for 13 years but the balance is still more than $ XXXX. I am getting sick of this debt and want to escape from this nightmare. Would please help me??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX AND 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2022-05-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I signed up on the Equifax application to view my credit report and to my disbelief Ive been impersonated in which someone has opened or attempted to open several accounts in my name without my consent. This is completely illegal, i have reported it to my local precinct however was told i will also need to report it to the FTC and credit bureaus. The following account was not authorized by me and is Fraud, XXXX XXXX XXXX. Ive also never applied for anything as i am new to credit, so the following inquiries are also Fraudulent, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX Please remove this fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint against Experian because they have failed to provide me with the documents that their company has on file that was used to verify the account that I disputed. Experian is also listing a social security number that is not mine. Experian is also listing XXXX addresses on my credit report that are not mine. Please make Experian obey the Fair Credit Reporting Act, which says in part " credit reports must be 100 % accurate. My credit report will be 100 % accurate when these errors are removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
About 3 weeks ago I tried to get my free annual credit reports. I received XXXX reports but, Equifax responded with the attached screen shot. I just had to fill out all of my information again and when I submitted the info I got the same message. If they ca n't even keep their web site working, how accurate is their information in my credit report. Incidentally, last year I was not able to get a report either????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: PA
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 The following accounts : XXXX XXXX XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX  XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, Opened XX/XX/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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I signed up on the Transunion application to view my credit report and to my disbelief Ive been impersonated in which someone has opened or attempted to open several accounts in my name without my consent. This is completely illegal, i have reported it to my local precinct however was told i will also need to report it to the FTC and credit bureaus. The following account was not authorized by me and is Fraud, XXXX XXXX XXXX. Ive also never applied for anything as i am new to credit, so the following inquiries are also Fraudulent, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXL XXXX XXXX Please remove this fraudulent information 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 2016-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I, XXXX DOB XX/XX/XXXX SS # XXXX contacted all XXXX credit bureaus XXXX, Experian and XXXX about some information on my credit file. I was advised to contact XXXX about an acct I never initiated or knew about until a family member advised me they put me on their acct as an authorized user. I contacted XXXX and had myself removed from the acct and was advised none of this would affect my credit. Then after checking my credit I saw this info on my credit report and it has harmed my credit and affected my score as if I did something wrong. I should not be punished for something I did not do or had no knowledge of until after it was done. My grandmother XXXX initiated these XXXX accounts with my niece on XX/XX/XXXX with {$3000.00} limits. Hence, me being her Power of Attorney she asked for me to be on there but I told her after she done this her actions would affect my mortgage closing and now my credit is shot to ruins. Somehow XXXX used information already known about me as I am a cardholder to associate me and thus used my social security number on this to be reported to the credit bureaus. My credit is now down some XXXX points. I asked the credit bureaus to remove this because I did not initiate these accounts but only to be told to contact the creditor. The credit card says contact the bureaus so I am in a bubble here with no help. I desire to have these accounts removed from my credit file 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 explanation