BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-18
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XX/XX/2019 According the 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also, 15 usc 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. No written instructions were given. 
XXXX, XXXX, Equifax and XXXX XXXX have egregiously violated my rights to privacy and as a consumer and Permissible purposes of consumer reports. I demand that these be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Quicken told me I was going to get my remained funds from my old escrow account ( {$1900.00} ) after refinancing with them. After we closed the refinance I received a statement saying I would only be getting {$150.00} and they netted my funds into the loan. I NEVER TOLD THEM THAT WAS OK AND I WAS NEVER ASKED IF THAT WAS WHAT I WANTED. They use deception to give you low numbers throughout the loan and constantly change what they say. I had multiple occasions of issues with them and they constantly shoved me to different people that handle complaints but no one that can resolve anything. They simply just say how they are sorry and that they take this matter seriously, and when you ask for resolution they tell you how they are going to have someone higher up contact you. Then that person contact you and they have no idea what the situation is about so you have to re-explain everything again, its like they are trying to wear you out so you just end up letting the complaint go.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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: Public record information inaccurate

Complaint:
Chapter XXXX Bankruptcy XXXX XX/XX/2019 Chapter XXXX Bankruptcy XXXX XX/XX/2019 According the 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also, 15 usc 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. No written instructions were given. 
XXXX, Experian, XXXX and XXXX XXXX have egregiously violated my rights to privacy and as a consumer and Permissible purposes of consumer reports. I demand that these be removed from my credit report 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
Consumer complaint received 2022-04-29
Company: Choice Recovery, 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:
XX/XX/22 CHOICERECOV XXXX XXXX XXXX. This account is already disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. My fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a bum. My fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my children. PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
I brought my XXXX mini van in to be repaired at XXXX auto in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX chase credit card company of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: SYNCHRONY FINANCIAL
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:
In  XXXX  of  XXXX , I paid off thi s Amazon Store ca rd. 2 months after I paid it off, there were re-occurring charges that started. My statements come in my email, but I did not feel the need to check them as I had paid the account off. I received a paper statement in  XXXX  and sure enough, they also reported me 30 days late in  XXXX   XXXX . I called, they refunded the charges, but refused to remove the reporting. I did not push the issue, lesson learned, do n't trust this bank. Again in  XXXX , I paid this account off  (   XXXX   XXXX  ). No need to check my statements, I did not make any other charges that needed to be paid. Again, paper statement received in  XXXX , I received a paper statement and again, this bank reported me 30 days late. I called Syncrony Bank, I called Amazon. They waived {$20.00} and refused to do anything else. I disputed with  XXXX  and received a letter dated  XX/XX/XXXX  that all was reported correctly, no proof, nothing. I closed the account and disputed with AMazon and Synchrony again.  XXXX   XXXX , now they are reporting me 60 days late. I just called and their collection department waived {$53.00} in fees and I paid the stupid {$21.00} balance that I DID NOT OWE because I feel like my credit  score is being held hostage at  this point. Again, they say they will enter a dispute and research will take 30 days. To my surprise, I see an article today on  XXXX   XXXX  about Amazon and their re-occurring charges. It seems I am not the only one in this nightmare. I want ALL of the negative credit reporting from this bank removed from my credit report. This is unfair - how do I know to pay something that I DO N'T know is there because I paid the account off  XXXX  balance!!

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 2017-06-01
Company: ALLY FINANCIAL INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
ALLY Bank  has refused to release a lein on a home equity line of credit that was included in the bankruptcy. This lein is on the title and is not valid.     I need support in removing this lein.     Account  Number  :  XXXX  Please call or email anytime.   Mobile :  XXXX  email :  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 2017-06-01
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: Old information reappears or never goes away

Complaint:
All   XXXX   credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX/17 TD Bank , N.A . fraud department put an alert on my checking account. On XX/XX/XXXX/17, I was informed the account was open and not closed. On XX/XX/XXXX/17 I transferred monies into the account to pay XXXX ( XXXX XXXX ) rent. T.D. Bank N.A. returned the ACH debit and XXXX filed XXXX XXXX. TD Bank N.A . failed to provide correct/timely information and failed to pay an approved ACH debit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I have sent a dispute letter to Experian. My dispute letter included clear reasons of why I was disputing the five accounts that I was disputing. I also included clear instructions for each item that was to be in dispute. I included clear identification and enough information so Experian was able to identify me. 

Experian has a legal obligation to conduct a reasonable investigation within 30 days. Experian has knowingly refused to do the investigation they are obligated to conduct. 

Today, XX/XX/XXXX I will be mailing another letter to Experian. My letter will be a request for them to follow their obligations under these circumstances as written in the Fair Credit Reporting Act. 

Letters attached to this complaint.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed derogatory reporting on my credit reports by XXXX XXXX XXXX on XX/XX/XXXX. My dispute shows proof that I was never 90, 120 or 180 days late on my student loans from XXXX. During that time, I was XXXX XXXXXXXX XXXX  at University XXXX XXXX. I also had a XXXX Hardship Agreement starting on XX/XX/XXXX because I was taking care of my father XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have asked for proof of the original loan documents to help prove that I was charged interest during these times and that XXXX XXXX XXXX continued to show me late. In each loan, XXXX XXXX XXXX shows that I am " current '' and then the next month they show I am 90 days late, then 120 days late and they have a comment that I was 180 days late. This is not true and is hurting my credit report and ability to build credit and move forward in my life. I have no resolution in this matter, no documents from XXXX XXXX XXXX and no change on my credit reports which are now " updated '' with exactly the same information. I would like these loans deleted from my credit report until there is a resolution of the correct amounts and no derogatory reporting. Thank you for your help!

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 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Good evening, after reviewing my credit report since  XXXX   XXXX  to present. I noticed a few discrepancies. I have contacted Transunion on numerous occasions via certified mail, phone calls, faxes, etc. and to this day, they have disregarded my requests. I have made contac t  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . Each time Transunion either sends me their generic letter that states that  a company does n't have to have your permission to pull your credit. Or that I need to contact the actual creditor. I have sent letters to those companies and called and the creditors exact words are " Unfortunately, we are unable to assist you b/c you do n't have an active account with us '' " what you should do is dispute this with the credit bureaus. Can you imagine my frustration? Numerous unauthorized inquiries is making it very difficult for me to acquire credit as I 'm looking to purchase a home for my family and I. Most of the inquiries listed on my TU report pertain to auto loans, I do n't have a need for a auto loan nor am I searching for a vehicle. These inquiries were performed under false pretenses. The inquiries are fraudulent and I 'd like to have them deleted immediately. I know my rights as a consumer and again this is becoming more frustrating each day. I have no knowledge of these inquiries and I am requesting that they be deleted and removed immediately. Your attention to this matter is much needed, thank you!     I will also submit a complaint for another reporting agency known as  XXXX  as they are giving me a hard time as well.  XXXX  is the only company that has helped me in removing inquiries.      XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    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 2021-11-18
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company is attempting to collect on a debt that became a judgement on  XXXX / XXXX / 2008 .   In  NYS, the statute of limitations is 10 years ; and up to 20 years ( see attached ), however ; the debt collector must re-file the judgement a year prior to the expiration of the 10 years ( see attached ) This company is illegally attempting to collect on a debt and judgement without the proper protocol and is illegal in NYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX  has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with  XXXX . After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a  XXXX  account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see 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