BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Lockhart, Morris & Montgomery 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've tried multiple times to have this removed from my credit report and have gotten nowhere with these companies. Saying I owe money for my commercial driver 's license that I've had long before any of the dates started thats associated with this account. My cdl-a license on XX/XX/XXXX from XXXX XXXX Who in the right mind would pay for training that they've had prior. It's absurd. I feel discriminated on because I'm half XXXX half XXXX XXXX XXXX. Furthermore this is a violation to my right to privacy. I've never given permission to anyone to pull, post, browse, or do anything involving my credit reports for XXXX, XXXX, and XXXX. I would like for this to be taken off all three bureaus. XXXX people everywhere. I can't by a can't buy a car, house, or anything of value with this XXXX on my credit report for on account XXXX lockhart, morris, and Mont. Dated on XX/XX/XXXX. Remember I got my license before that date above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: NAVY FEDERAL CREDIT UNION
State: NY
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 filed a dispute in regards of the inaccurate items on my credit report it has been well over 30 days and i haven't received any investigation results

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: CO
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 XXXX XXXX and I refinanced our house with XXXX I believe and before the 30 day period they sold my loan to XXXX. Neither company properly informed us this happened. In the meantime XXXX called and said they were our new Mortgage company but never officially properly notified us they had purchased our loan. We thought they were a scam or fraud and we ignored their request for payments. They reported us to all 3 credit agencies. We worked an agreement to make payments and settled with them but they refused to remove those credit late payments. We refinanced our home with XXXX Mortgage due to XXXX not keeping their word.

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 2022-08-16
Company: EQUIFAX, INC.
State: OH
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:
Countless times I have disputed items on my consumer reports. All three companies investigate and then they just take for the word of the actual company that is verified as accurate. None of those accounts are accurate. I have several companies that says that I owe thousands of dollars but Ive never ever had an account with them. Im not sure where theyre getting this information to say that I have, and they have addresses that are listed and those accounts and those addresses are not mine. Ive never lived at any address in Kentucky  and Ive never lived there any other address in Indiana, Texas, California, Maryland. I have lived in Ohio  all my life but there are three particular accounts that they take off my credit report because they figure out theyre not mine and the company adds them back immediately days later. This is causing me a lot of money to keep doing this over and over for over 10+ years and I need a series fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, 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 have confirmed on XX/XX/2022 with XXXX XXXX XXXX that my account is NOT delinquent and it should not be showing as such on my credit reports and they have confirmed that they have no records showing that my account is delinquent yet it is showing as such on all three credit bureaus. This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
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 have confirmed on XX/XX/2022 with XXXX XXXX XXXX that my account is NOT delinquent and it should not be showing as such on my credit reports and they have confirmed that they have no records showing that my account is delinquent yet it is showing as such on all three credit bureaus. This needs to be corrected.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX. '' acct # 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.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX XXXX. '' acct # 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.

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 2022-08-16
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX. '' acct # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions 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 2018-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Capital One isn't honoring a Money Market 360 promotion as it was advertised. Per the terms, I deposited at least {$50000.00} within the stipulated timeframe, but they refuse to deposit the promotion money citing a rule that isn't written anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: JPMORGAN CHASE & CO.
State: NC
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:
On XXXX XX/XX/2021 some one applied for credit card under my name without my consent, I do not acknowledge any debt, I want everything to be deleted Im a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I dont have any knowledge of this account or debt collection and theres been a identity fraud placed on my credit before also Ive been try to get my credit scores to increase and these Pepe keep bring it down who are these guys anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
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:
I noticed some unauthorized inquiries on my Equifax credit report.According to the Fair Credit Reporting Act, legally these unverified and unauthorized items MUST be removed!! All highlighted items MUST be deleted from my credit report and my credit file should be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have some major issues on my credit file that need to be reinvestigated asap. 
issue 1. XXXX XXXX listed on my XXXX  report has a late Payment from XX/XX/XXXX, I was an authorized user on that account over 4 years ago I am not on that account and I am not responsible for the balance of that account Please delete. 
2. Second issue I found inquires from various auto loan companies. I have only one Auto Loan with XXXX XXXX XXXX. I have never applied for accounts or loan with the following companies :, 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. 
I am hyper sensitive to any movement on my credit file I discover these last month and filed a dispute. This is my 3rd time complaining about this issue.

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 2018-02-23
Company: Works & Lentz of Tulsa, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receiving multiple calls and leaving voice mail to call XXXX XXXX XXXX from Works and Lentz.

I have notified this company I have no collection debts and have notified them in writing to cease and desist as well as filed multiple complaints with CFPB regarding this debt collection company contacting for debts that are not mine.

Multiple Cease and Desist as well as Identity Theft Affadivits have been provided by myself and CFPB as well as all Credit Bureaus.

I am also receiving robo calls from this company and I am on The Do Not Call List.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: STL HOLDING COMPANY, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan on a new XXXX XXXX property through DSLD mortgage on XX/XX/XXXX. I immediately submitted all of the requested document to the lender. I knew rates had gone down in XXXX so I inquired about doing a refinance of another property through DSLD mortgage shortly after XXXX. I figured it made more sense to refinance using this company since they already had all of my financials. I was told that the new purchases were priority and I would be taken care of when they had time. 

Finally in XXXX I was notified I could apply for the refinance. We filled out the application on XX/XX/XXXX. It is XX/XX/XXXX and I have still not received the clear to close. We are in the second 30-day interest rate lock. The lender continues to make up requests from me, oftentimes documents Ive already provided them. My wife and I have a low debt/income ratio, 800+ credit scores, and make more than enough income to satisfy the debt. For this individual property were trying to refinance, we receive $ XXXX in rent and the mortgage is $ XXXX. The lender keeps making up request from us and I dont understand whats really going on. 

I work as a XXXX XXXXXXXX, so it should never take 3 months for a simple refi of someone with our credit profile. I ask that someone please investigate DSLD mortgage to figure out why theyre not trying to let me close on this loan when I am more than qualified. I hope there is no reason theyre particularly targeting me. As of today, they have asked me for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Global Lending Services LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently pulled my credit report and noticed 2 hard inquiries on my report without permissible use. According to the FCRA they should be removed. Can you help with deleting these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
There are false accounts included in my credit reported and i have been writing to the bureau for the past two months.

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 2020-07-04
Company: EQUIFAX, INC.
State: TX
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:
Requested reporting agency provide Metro 2 complacency of reporting 30 day late on report XXXX XXXX XXXX  XXXX Account number XXXX Paid, was past due 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: U.S. BANCORP
State: CO
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:
My Name is XXXX XXXX, DOB ( XX/XX/XXXX ) In XXXX of XXXX I made a call to US bank to make a payment on a collection account, I also asked US bank for a pay off letter because i need this removed from my Credit report However they failed to do so.. And I am still struggling to get this account removed from my report which is affecting  my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, I received an email from XXXX that Convergent XXXX has been added to my credit report. According to the email, they are trying to collect a debt from XXXX XXXX.I have never had a XXXX account and feel that this is an incorrect information being reported on my credit report. XXXX XXXX is not listed on the Florida Office of Financial Regulation. Unfortunately under the Department of Business and Regulation, Convergent XXXX is listed as an electrical company not a debt collection agency. I have mailed in multiple letters asking that this information be validated and/or verified and they have not responded. Now they have reopened this account and listed is a late payments from XXXX XXXX, but have the account reported as open in 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 2022-03-02
Company: EQUIFAX, INC.
State: FL
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 FAIR CREDIT REPORTING ACT ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase dispute services claims the requested fax was not received. On two separate occasions a fax had been sent to the number provided. The amount in dispute XXXX was reversed XX/XX/2021. The second attempt to dispute the purchase reversal occurred XX/XX/2021. The original purchase date is XX/XX/2021, that includes an overlapping purchase. To which, only the book purchase was desired : not a book with monthly subscription and webinar for the above price. Chase and the merchant were contacted directly in an effort to resolve the dispute.. 


XXXX and XXXX XXXX XXXX issues has not been addressed. As stated, in a prior message Chase refused to permanently reverse the XXXX charge. They did communicate about the duplicate charges. However, the CFPB did not achieve the result sought. Which is duplicate charges acknowledgement and reversal. 

That leads us back to ( XXXX  ) our merchant in question, owing a book ( duplicate ) and upcoming conference stream to purchaser. We regrettable ask that Chase and the CFPB, evaluate our claim again. The merchant has been contacted once again and states they can no longer reverse the errant charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: OH
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:
Countless times I have disputed items on my consumer reports. All three companies investigate and then they just take for the word of the actual company that is verified as accurate. None of those accounts are accurate. I have several companies that says that I owe thousands of dollars but Ive never ever had an account with them. Im not sure where theyre getting this information to say that I have, and they have addresses that are listed and those accounts and those addresses are not mine. Ive never lived at any address in Kentucky and Ive never lived there any other address in Indiana, Texas, California, Maryland. I have lived in Ohio all my life but there are three particular accounts that they take off my credit report because they figure out theyre not mine and the company adds them back immediately days later. This is causing me a lot of money to keep doing this over and over for over 10+ years and I need a series fix.

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