BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed .Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -they are required to ... promptly delete all information which can not be verified. " that I have disputed.Please resolve this manner as soon as possible.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I asked that the information for University XXXX to be validated and what ever they reported to the CRA it was claimed to be valid. I have written to University XXXX twice and they have not responded to me. They just keep validating the debt with the CRA so I have recently written to the CRA asking them to provide to me the information the creditor is supplying them that allows them to keep stating the debt has been validated. I have nit gotten a response. I also have asked that accounts for XXXX to be validated and I have not gotten any response from the Creditors nor the CRA 's. I have also written to this office as well fairly recently in regards to this same issue. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are Hard Inquiries on my report that were not authorized. I am in the process of repairing my credit and noticed these inquiries. When I called, I was told that I had to call those companies directly, who in turn tried to point me back to the bureaus which is becoming very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested validation of a public record from all 3 credit bureaus this inaccurate information id detrimental to my living status enabling me to obtain proper shelter.. XXXX conducted proper investigation and removed the public inquiry but transunion and XXXX have not I have also contacted to court to see how vaildate this public record and they indicated they do not. I allotted time to complete investigation but my life is taken drastic hit from the inaccurate public record

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 2017-02-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have XXXX hard inquiries on my credit report from XXXX company that i never applied for and im having a hard time getting these inquires as the credit bureaus are giving me a hard time about removing them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: SC
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:
Two medical bills showed up on my credit. 
XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$830.00} I only goto the Dr in my hometown and this isnt it. I have tried to dispute this but its still on there. Its the only thing plaguing my credit and I want it removed. I have also called before about this account but I just got the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This may seem like a very minor complaint, but it is not. We live in a world where minor bad security practices with online computer access to credit card accounts lead to very serious problems, and the credit card operations at JPMorgan Chase 's credit card operations have a security problem they could trivially fix, but won't. This would not have been an issue 10 years ago, but now it is.

JPMorgan Chase provides very nice online access to all their products at chase.com. You can see your bank accounts, your securities accounts and your credit card accounts through one common online portal. If you and your spouse both have such online access and give each other a power of attorney, then the bank side and the securities side follow good modern computer security practices and give each member of the couple their own login to see the accounts involved, so there is an accurate audit trail if there is a breach.

The JPMorgan Chase credit card operation absolutely insists the both members of the couple should share their login credentials instead to achieve such joint access. This muddles the audit trail in case of a breach. These days it is important to enforce a strict bar against sharing computer access credentials.

This is a mistake on the part of JPMorgan Chase. You would be doing all their credit card customers a service if you would explain to them that they are making a mistake and should bring the credit card operations using up to the same security standards for this access as the bank and the securities sides of this portal. I have tried to explain this to them via their secure message portal, but the credit card operation has simple decided to ignore all messages on the subject since XXXX XXXX under the mistaken assumption that they are doing the right thing and don't need to hear any advice on this subject from a mere customer. If you would be kind enough to intervene, you would be doing me and other customers with POA access a service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was asked about my assets, then I was sued, never offered payment plan or any other suitable conclusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Was not notified of investigation status or results

Complaint:
I have been requesting, since XX/XX/2020, verification of these alleged debts that Credit Bureaus keep reporting on my credit files. However, they have failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they have continued to report & sell erroneous information about me. Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - they are required to promptly delete all information which can not be verified ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
There are numerous amounts of unauthorized credit inquiries on my credit report. I have already tried reaching out to the reporting company XX/XX/XXXX ( 90 days past ) or more to be exact & credit bureaus to removes these inquiries but havent received a resolution to my problem. Due to the inaccuracies reporting on my credit report have hindered my abilities to get loans or credit from companies. I ask that of CFPB to actively support my claim to get these items removed from the credit bureaus. 

Inquires / Company XXXX / Inquiry date XX/XX/XXXX Company Synchrony Financial / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX / Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX DBA XXXX  Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Company Synchrony Financial Inquiry date XX/XX/XXXX Company XXXX XXXX  Inquiry date XX/XX/XXXX Company Synchrony Financial XXXX XXXX XX/XX/XXXX Company XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX/ XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Company XXXX XXXX XXXX / Inquiry date XX/XX/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 non-monetary relief
Consumer complaint received 2021-07-28
Company: U.S. BANCORP
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I've been attempting to do a loan assumption through US Bank since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because US Bank had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get US Bank to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report I recognized an account/debt that did not belong to me. Ive sent 4 debt validation letters in the get proof of validation but I have yet to receive adequate information to prove that the debt is mines and that I am responsible for it. I spoke with a manager and he basically told me they arent able o validate it but he will not delete it from my credit report. My problem with this is because it is negatively effect my ability to obtain credit. Also it is false information that I shouldnt be responsible for especially if there not able to confirm I created the debt. I would like for this account to be deleted from my credit report in a timely manner. 

The dates Ive sent debt validation letters via certified mail where : XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX XX/XX/2019 Tracking number XXXX Amount said to be owed {$870.00}

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 explanation
Consumer complaint received 2021-07-28
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My American express serve card was stolen by my ex is on XX/XX/XXXX. I filed a police report against him for the theft of my card, along with my car and domestic XXXX, as he XXXX XXXX XXXX in XXXX XXXX and XXXX me in a hotel room i was XXXX to rent for 2 nights with my card before he XXXX me up. I called the company less than 36 hours after I was finally safe and got myself out of the situation. I sent a copy of the police report and their requested " declaration of fraud '' paperwork, along with every transaction he made while in possession of the card. Grand total is just under {$1000.00} and i got the email today stating they denied my dispute for all items. So now they're basically telling me I have to pay because i was beaten and robbed and he just gets off Scott free ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This account is mine and all XXXX reporting companies took my good standing credit off. 
Without my permission so please could you have them to put it back. XXXX {$2000.00}

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 2021-07-28
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I've been attempting to do a loan assumption through XXXX XXXX since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because XXXXXXXX XXXX  had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get XXXXXXXX XXXX  to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Innovis
State: CA
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 XX/XX/XXXX at I sent certified mail written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that INNOVIS used to verify all data for each listed account in an effort to avoid violations under FCRA 605. I received communication from INNOVIS XXXX. Out of 8 requests for verification of accounts, three items were deleted. The remainder five was not verified under FCRA. On XX/XX/XXXX I sent a second written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 611 ( a ) ( 1 ) ( A ). VERIFY PHYSICALLY the validity of the alleged accounts, any notations, calculations, dates, balances and account records. I requested for INNOVIS to substantiate the information of verification pursuant to FCRA. Verify required 426 character P6 statements, 5 part personal identifiers, and source code illegal to retain in accordance with Metro 2 Format for Credit Reporting, FCRA, FCBA, and ECOA. I received communication from INNOVIS dated XX/XX/XXXX. There were no changes to my report. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/XXXX I sent a third certified mail written communication to INNOVIS dated XX/XX/XXXX, requesting verification to substantiate information that is being furnished to them. I received written communication from INNOVIS dated on XX/XX/XXXX. I received the same results as the previous INNOVIS communication. FCRA requires INNOVIS to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation INNOVIS received and used to verify the information being reported and maintained in my file. INNOVIS must verify THE validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX/ Navient are liars and thieves, as I was working for the XXXX, I could not promote due to a economic crises/ a freeze in Hiring, they Violated my rights as to tell me about the income based repayment system or did n't want to help me in any way. They forced me into default due to the rise of the economy and said I HAVE TO PAY XXXX dollars a month no matter what!. When I spoke to a lawyer the said I was " by law pay XXXX dollars a month ''. They all ways called my phone, contact me at working hours, and violated my rights and lied to me. Every time I called them the message said the did n't want to speak to me and sent me somewhere else ... I 've been very much fed up with them and I was treated like an animal..I have reported them to the XXXX..and would like action taking against these people, as a government back business I thought I 'd be in good hands, I was wrong. I Have payed off my Federal loans and they even screwed up on that ... possible even pocking the money ... I should n't have gone through all of this for a college degree. They forced me in default to get a lot more money out of me, which is wrong and I got XXXX over. I 've been looking at other complaints and almost all of them are the same as mine. Please help me here Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My complaint is the same as a previous complaint # XXXX. Bank of America indicated that they had made a notation on my account that I would be issued XXXX debit cards whenever I needed a replacement. When I called on or around XXXX/XXXX/16, I was told that I could only have XXXX card and that there was no notation on my account to provide me with an additional card. I am a XXXX vet and this is very XXXX to have to deal with this issue again. This type of aggravation seriously causes me 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 non-monetary relief
Consumer complaint received 2023-01-31
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I spoke with representative from the company advising them that I had been very sick and was in the hospital. Currently out on a leave from my job. I asked them if they could help me out with the covid19 situation thats going on right now. The first guy I spoke with said that hes notate my account and try to work with me. The very next day, another representative from this company who was very hostile and rude basically told me that they arent helping me and I would be getting daily late fees. DAILY LATE FEES DURING A WORLDWIDE PANDEMIC. I truly dont understand who has a heart to not want to help their customers. Providing information on covid19 on their website but not helping ANYONE. This is a very tough time and their actions shocked me. I ended up having to take out a loan from my 401k so that I could try to make the payments. Companies like this SHOULD RECEIVE NO BAIL OUT/STIMULUS MONEY because they are NOT for the people. Can you please look into the complaints and see how they go about running their fraudulent business adding numerous fees, and ridiculous interest rates?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation