BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-21
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX are showing an XXXX XXXX Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an XXXX XXXX Card Credit Card, and as such, my credit score with them is much higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: GA
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 Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1682 section 602 A States I have the right to privacy.

15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: FL
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:
ID theft victim Another account on my report XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} This is not my account/Fraud i have added my Id theft reporrt as well

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 2017-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than 7 years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans.

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 2017-10-21
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am a victim of identity theft. Someone called American Express to cancel my American Express credit card account : XXXX. I never called American Express to have my account cancelled. Some of the transactions on my American Express credit card account are fraudulent and unauthorized, not all of the transactions are fraudulent and unauthorized on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: JPMORGAN CHASE & CO.
State: IN
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:
On or about XX/XX/XXXX, XXXX reported several late payments marked as past due on several accounts reporting on consumer 's XXXX account. One of the accounts is JPMCB ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted JP Morgan Chase XXXX ( JPMCB ) in regards to the late payments, in which I submitted a good will complaint via phone to JP Morgan Chase XXXX to update the accuracy of the account, and to update the late payments to reflect paid on time. JP Morgan Chase XXXX refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. XXXX is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. XXXX knows an account CAN NOT report 60,90 days prior to 30. I have already informed XXXX that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the XXXX XXXX data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that XXXX is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that XXXX is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XXXX 2016 as Current with a zero balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since 2016 and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: LendKey Technologies, 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: Investigation took more than 30 days

Complaint:
I was the co-signer on a loan student loan for my sister with Lend Key and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MI
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:
Experian has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the XXXX data breach, your company is furnishing and reporting FRAUDULENT accounts on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ). " 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. '' 15 USC 1681c-2 ( a ) - XXXX & XXXX ( XXXX ) Also this is my updated mailing address attached to the complaint, and FTC report please update after removal of the account. I've attached my drivers license, and proof of residency.

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 2022-05-03
Company: Jim Bottin Enterprises, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I joined a gym named XXXX XXXX XXXX. During which time I lived at XXXX XXXX XXXX XXXX XXXX, XXXX, TN. The following year ( XXXX ) I moved to XXXX XXXX, TN. Expecting the move I cancelled my membership with XXXX XXXX XXXX ( XXXX ) and proceed to attend my local gym ( XXXX XXXX ). 

Over the past 4 months I have been called multiple times throughout the day and emailed with threats of being sent to collections for a gym membership with XXXX XXXX unpaid for {$120.00}. I have never signed an agreement with XXXX XXXX and they continue to harass me. I have not been to this gym or had an account with this gym for over 6 years. Please assist, thank yo Im advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-05-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The following account is not mine TARGET/TD Account XXXX balance : {$560.00} Please remove it from my credit report. 
it does not belong me never had this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: Payfare International Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I completed a XXXX  and an automatic payment of XXXX should have been posted to my account. 
They added the payment but did not credit my account. 
I only recieved payment for a XXXX  after which brought me up to XXXX. 
They have stolen my money and I have tried contacting them, there is no answer and no support on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: FL
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 sued Equifax Information Services, LLC among others and settled with Equifax out of court. The case was dismissed in XXXX of 2021. Since that time they have been reporting my score in the mid to high XXXX, down from the XXXX plus. 

There are no collections and the Balances on the loan ( medical reasons ) and credit card have decrease thru out this time. I have called that the online version is known to be error, the score in the system they use is over XXXX and in one case to contact my attorney cause it was retaliation for suing them. Also the reports I was supposed to receive never arrived and let us not forget them changing my current address to an old one they admit to. 

I have over 45 years in XXXX as a XXXX XXXX XXXX and if one or multiple Databases can be fixed by using XXXX, XXXX or any program for updateing, either online or batch. 

I am going for a Mortgage on a new house and the above can and will hurt. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
At the beginning of XXXX of this year, I notice on my credit reports XXXX XXXX reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and XXXX XXXX was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted XXXX XXXX Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.

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 2022-01-11
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I explained more than once that I had to have XXXX and was unable to pay in my loan. They call me 30-50 time in a row each day. I have had to block them because of repeated calls. I have asked them to stop and they continue daily, and have been contacting friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good day, I applied for home mortgage at Wells Fargo bank and had a so bad experience. I came to the branch at XXXX XXXX, Florida at first time in middle of XXXX 2017. I was honest and told to consultant XXXX XXXX XXXX XXXX that I 'm single mom, my average salary is XXXX $ per month, I do n't have a long working history in the USA and I need to use first home buyer program from XXXX county for down payment. He was polite and nice, so he sent my application for pre-approve and I 've been pre-approved. When I found a house, my consultant suddenly realized that I do n't have 2 years experience in the USA, but in few days he said that I should be ok. We started process. I signed documents with the seller and paid XXXX $ deposit, paid XXXX $ for house inspection, signed documents in the bank and started to wait decision. For couple of weeks I did n't hear from anybody, so I started text to mortgage consultant and realtor XXXX XXXX XXXX XXXX nobody answered. Finally XXXX ( mortgage consultant ) picked up phone on Monday,XX/XX/XXXX. He told me that he is going to have answer for me in couple of hours from the XXXX county assistance program. ( Note : Seller knew that everything is cancelled at this moment because he got phone call from realtor almost one week earlier. So, while I tried to find information everybody knew already that everything is cancelled, but nobody told me truth, just ignored me ). XXXX did n't call me that day and next day, he did n't pick up phone. I emailed him on Wednesday XX/XX/XXXX and got answer : " Hi XXXX, Unfortunately we are not able to provide XXXX county assistance now. We have to get re-approval again because the one we have expired ''. So, how does it come consultant did n't know they ca n't provide XXXX county assistance? I spent time, money, refused to get new job because of mortgage process for nothing. If he saw that I 'm not qualify for mortgage due to not enough experience, small salary or other why did n't he tell me truth at first? Why I got answer after wasted time and money? He is consultant and his job to help.
Finally, in almost two months of waiting I do n't have official decision from the bank or XXXX county assistance program, I have just consultant 's " unfortunately, we ca n't ... ''. Due to this situation I lost a good house at good and safe location as well. Please, do investigation and give me answer on this situation. <P/>Thank you and have a good day. <P/>Kind regards, 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 2017-10-21
Company: Premier Student Loan Center
State: NY
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 called Premier student loan service and spoke to a rep who said that I would pay {$240.00} for XXXX months and then {$100.00} for every month after that for XXXX months then after speaking to him and submitting some information he got back on the phone and said that I would pay XXXX for the XXXX months and now my payment would go up to {$230.00} per month so I need some help in rectifying this problem because I believe that its a scam. The rep also said that he could get my payments for XXXX XXXX XXXX deferred but then said that wasnt possible and I would have to pay XXXX XXXX XXXX and pay him as well and so I believe that this is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Convergent Resources, Inc.
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 found this item on my credit report and I do not recognize this company and have never done business with this company. I disputed this account with them directly and I did not receive any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).

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 2019-11-20
Company: EQUIFAX, INC.
State: IL
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:
At the beginning of XXXX of this year, I notice on my credit reports XXXX XXXX reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and XXXX XXXX was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted XXXX XXXX Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Today in the XXXX of XXXX, I received an alert from my credit monitoring system which reported that Kohls reported that my payment was late. I contacted Kohls and due to COVID 19, they were unable to answer however it asked if I would like to make a payment of {$2.00}. I Paid the card off a month or two ago and the {$2.00} was for finance charges accrued after I made the final payment. It should not have been reported as late for the finance charge when I paid the entire balance one and also COVID allowed a deferment even though I never called because I paid the card off in I believe XXXX.

Company response to consumer: Closed with non-monetary relief