BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
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 report act XXXX XXXX XXXX account number XXXX XXXX XXXX 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 2022-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a Chase Business Complete Checking Acct. Since XX/XX/XXXX, the account has been charged a monthly fee of XXXX for " Financial Management Software. When it started showing up I originally thought it was some fee that Chase was tacking on but eventually realized there shouldn't be charges as have enough money in all my accounts to avoid fees. Meanwhile, through two bouts of XXXX and several years of XXXX treatment at XXXX XXXX I let some of this lapse ( I am XXXX ). 

I spoke to my agent at the bank in XX/XX/XXXX and she told me to call the phone number associated with this account. I finally did, about two weeks ago and got through to a chase employee who agreed the charges were a mistake and removed four of them ( he person said they could only go back 4 months ). I was also promised that the fee would be dropped. ( It did show up again ). My branch supervisor removed the fee and suggested I speak to someone at Chase to try to get back more of the mistakenly charge fees. This morning, I spend 2 hours on the phone and to no avail, although one agent said I could institute a dispute for the charges. It was impossible to find someone who would start the complaint process. 

The agents kept getting more defensive and refused to tell : me : 1. When this charge was instituted 2. Who did it?

3. What it was for. 

My bank manager refused to share what she was writing about our conversation and became angry telling me it was against state law to give me any additional money back. I responded that the money was less important than finding out how the mistake was made. She said she couldn't tell and suggested I go back into the phone network which had wasted my 2 hours this morning. 

I'm sorry this is so long, but can you help me? Incidentally, I wouldn't mind getting my money back, but more important is what is being hid. I suspect more clients are getting this fraudulently than just me. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: MS
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 have recently submitted my credit reports off to the credit bureaus and they did not respond back, it has been over 45 days nearly.. I thought we are suppose to get legal help if we don't get a response from the credit bureaus in a timely manner. I am actually upset about this matter because I am currently in the process of purchasing a home soon and I really don't ever use my credit for anything I'm getting very old. I noticed I have mixed names on my credit report, along with negative accounts that I have never applied for if so could you show me the contracts bearing my wet signature? Also my wife name is included in my name? I didn't believe my own eyes.. IM BAFFLED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: WELLS FARGO & COMPANY
State: AL
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:
Hello, I ask the Credit Bureaus to do a verification check on everything that's on my credit report on the dates XXXX XX/XX/2022 and they did and they stated everything was accurate. I did a thoroughly check myself and I found improper accuracy on my credit report after they done the thoroughly research. 


XXXX XXXX XXXX  : Account # XXXX XXXX XXXX  : Account # XXXX In accordance to the Fair Credit Act Of XXXX  account XXXX has violated my rights. I am promised accuracy in my report based on federal Law Under 15 USC-1681 section 602 section 8 states that I have rights to privacy. 15 USC- 1681 Section 604 Section 2 also states that a consumer report agencies can not furnish 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 2021-08-03
Company: Experian Information Solutions Inc.
State: NC
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 opened a card with XXXX XXXX XXXX  on XX/XX/2021. The credit limit of this card is {$300.00}. On XX/XX/2021, XXXX XXXX Bank reported to the Credit Reporting Companies that it had a balance of {$300.00} and that I paid {$30.00} on that balance. I have made the following payments on this card : {$40.00} on XX/XX/2021 ; {$30.00} on XX/XX/2021 ; {$150.00} on XX/XX/2021 and {$120.00} on XX/XX/2021. These payments have satisfied the account balance to {$0.00}. On XX/XX/2021, I returned an item purchased from XXXX XXXX and a credit of {$7.00} was placed on this Visa Card. 

I have called almost everyday for two weeks straight trying to get XXXX XXXX to update my Credit Report. They told me they could not do it until XX/XX/2021. I asked them to close the credit card, which they did on XX/XX/2021. I have spoken with the Credit Reporting Agencies on XX/XX/2021, and XXXX  XXXX has NOT reported a XXXX balance or that the card account is closed. 

XXXX XXXX has also failed to send me a letter stating the account is closed with a XXXX  balance. I have spoken with so many " supervisors '' at XXXX XXXX to try and rectify this situation to no avail. I have also disputed this card with the Credit Report agencies and each time, XXXX XXXX stipulates that I owe the debt. 

My husband and I are trying to obtain a mortgage and this is holding it up. XXXX XXXX XXXX  has failed to do it's due diligence and they are causing potential harm to my person.

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 2021-09-01
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Request information, contact number or badge number for XXXX XXXX that works for nelnet. Nelnet has refuse to inform me if this person works for nelnet as she has been attempting to contact me. I need documentation that she is employed with nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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:
Hello - I really need your help on this. I mailed letters to Equifax, XXXX  and XXXX  on XX/XX/2021, specifically about inaccurate and unverifiable items on reporting on my credit report. I understand Covid 19 has delayed many, while short staffing others, but it has been well over 45 days and I have not received a response validating the inaccurate and unverifiable items. I was told the burden of proof is on the data furnisher so please help me get the proof to their claims. Not that familiar with the law, but I did see section 611 in the fcra, it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these accounts MUST be deleted immediately, especially without merit or validation. I demand these accounts be deleted immediately or undated accordingly. If not, I will explore all legal options, I not limited to litigation due to the mental stress this is causing me and my family. 

I would like the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Thanks for your assistance and take care duiring Covid 19!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Linebarger Goggan Blair & Sampson LLP
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I disputed and denied a {$52.00} debt claim referenced XXXX dated XX/XX/XXXX originally in the amount of {$4.00} plus {$1.00} added fees and incurred on XXXX XXXX, XXXX. I provided the debt collector evidence that the original amount of {$5.00} was paid in full on XX/XX/XXXX. The information was transmitted by Email to collection Attorney XXXX XXXX at XXXX. She Email confirmed her receipt of my response at XXXX. I also mailed my response to the collection company via XXXX mail. 

On XXXX XXXX, XXXX I received a " SECOND NOTICE '' from the collector purporting that I " ... failed to respond to our correspondence and we are assuming that this debt is valid. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving bills from the XXXX ( XXXX # XXXX ) company for which I had never opened any account, nor ever received any services from them at my XXXX XXXX, MI address. I phoned them on 4 different occasions to remove this from my name. Each time they researched that in fact I did NOT have any of their equipment and there was NO activity noted on this account. Each time they agreed to remove this. Then I received a notice from the Credit Management Company ( XXXX # XXXX ) about this amount past due of {$180.00} and charges for ending my " contract '' early. I phoned them immediately, shared the same information and they agreed to stop action on this and communicate with XXXX about it. I then receive notice it is a new collection account showing up on each of the 3 credit reporting agencies records. I phone XXXX XXXX more times about this, I have dates, names, etc. They agreed to credit this account to XXXX and apologized for the issue. They also agreed to make sure the Credit Management , LP company would make this right and it would be removed from my records. As of this date, I have put in disputes with all XXXX credit agencies, and XXXX keeps confirming it is my account, WHICH IS INCORRECT. But When I call them, they agree, It should be removed from my name. I have never had an account at my home address with this company and I have tried more than enough to set this right. It is absurd at this point that they have marred my credit record by reporting about an account I never had, started, opened, or used, EVER. I DO NOT KNOW what else to do at this point. They agree it is an error each time I contact them, but it has not been removed from my credit, which is effecting my credit rating and causing very serious issues for me. I don't even understand how they are getting away with this. It has to be ILLEGAL. I need them to make this right and remove this account from my name and credit accounts IMMEDIATELY! This started in XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX. XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all three credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX Account DATE : [ ] XX/XX/XXXX Reason : [ NEED IT REMOVED ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2022-08-24
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Unable to check my application online American Express put a error code under my name unable to get approved for a credit card with a credit score XXXX  for bogus reasons and they kept sending me denied letters and blocking my social security number from getting approved for XXXX XXXX American Express card and putting a hard inquiry for nothing.. I want it removed for false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: NV
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:
ccount XXXX XXXX XXXX  Account number XXXX I DONT HAVE AN ACCOUNT OR CARD THIS IS NOT MINE IVE DISPUTED AND NO RESOLVE

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 2022-10-23
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: Their investigation did not fix an error on your report

Complaint:
I disputed a credit entry added by XXXX XXXX for Acct # XXXX in the amount of {$54.00} with XXXX, XXXX and Experian regarding a debt that is not mine and I do not owe. To date, Experian is the ONLY credit reporting agency that has not corrected this incorrect information on my credit report. I was not aware that the information was still on my credit report with Experian until I had a credit analysis performed and they informed me that this debt was still present. Experian never " adequately '' responded to the my correspondence disputing the debt, but did note that I disputed this information. XXXX and XXXX already removed this information as they confirmed that I do not own/owe this debt. However, Experian continues to show this debt on my credit report and refuses to provide any legally valid information supporting their decision to continue to report this negative information on my credit report and that supports the fact that I own/owe this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
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 is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: CA
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 just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Retailer XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank )

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 2022-08-02
Company: EQUIFAX, INC.
State: CA
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 just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXX XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX  ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Retailer ) XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: CITIBANK, N.A.
State: MI
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:
Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022,

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 2022-10-23
Company: EQUIFAX, INC.
State: TX
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 spoken with Equifax about two inquirys ive noticed on my credit Report they are not with open accounts. I sent in my formal 2 page request. 1 Page with DL & SS & 2nd to update the spelling of my name & to remove the two inquriys. But they keep saying the dont see the request, but it request is on i page there giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 n 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 us rept 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  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation