BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Unauthorized hard inquiries that were reported as follows XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. 

Attempted to dispute inquiries with all XXXX credit bureaus and were coming back as validated when clearly I have not attempted and had no awareness of attempt to open listed accounts above.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: GA
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 noticed many incorrect and unauthorized items appeared in my report.

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 2016-01-16
Company: Advance America, Cash Advance Centers, Inc.
State: SD
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I submitted a general complaint to the South Dakota XXXX about how my payment was not taken out on time and I did not want any added fees or interest added to my account because the company chose to pull out my automatic payment 4 days later. Advance America responded to my complaint with specifics of my loan amounts, payment schedules and amounts of schedule, and types of loans to the third party ( The XXXX ). I never specified my amounts or payments. This information was disclosed in order to embarrass me publicly since the information is public record. XXXX CASE # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: WA
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:
Someone is also using my information to open bank accounts credit cards ect and pre-qualified WILL NOT STOP I have opted out so many times I even had apartments looked at under my information and I'm not doing it I found numbers and addresses I didn't have or live at credit that was removed put back and nothing has stopped its still happening with reports and XXXX I'm getting mad and I can't even get replaced ss card cuz of this mess and when enter information for free reports it gets hung up on me after iv entered it and more false credit crap being reported still and blocking me from even getting snow tires this has to stop there is also 5 miss spelled forms of my name on it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I am distressed that TransUnion have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment and high credit amount reporting inaccurate information. 

Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Why is high credit reporting XXXX XXXX it should state XXXX XXXX not XXXX $ Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report accurate information and damages caused by your company! You are in violation continuing to report! 

In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile

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 2015-09-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This continues original complaint XXXX. 
Chase indicated that the RMA and supporting documentation has " expired ''. How is that possible without completing the application process? All documentation requested was provided. No one has contacted me to follow-up. I am not sure what I have to do now. Re-start the entire process all over again??? This process is awful and clearly shows that Chase is unwilling to help their customers in need. I have been trying to get this resolved for over 4 years and can not believe that this is still going on. Not XXXX person from XXXX XXXX office has responsed. What does a person have to do to get some part of their life back??? Please help. I implore you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are some inquiries on my credit report that I did not make, I believe that they are due to identity theft, I do not recognize these inquiries on my credit report, I did not authorize them : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-06-03
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I wish to make a formal complaint about a XXXX XXXX Public Entry on all XXXX credit bureaus. This Judgement described in these Public Record entries has been resolved and satisfied. Date of filing for this judgement was XXXX/XXXX/2011, Reference # XXXX, for XXXX XXXX XXXX XXXX XXXX. 
Despite this judgment being satisfied, it seems to present continual misinterpretation that this judgement is still outstanding and active with a balance. 
I feel this is unfair to my credit standing, and this is my only negative remark of my credit report and does not truly reflect my credit worthiness to date. 
I recently used the services of XXXX Law firm to review my credit worthiness and they seem to indicate that this public record was active with an outstanding balance when in fact the credit bureau reports I obtained personally and direct correspondence from the Law Firm representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : Acct. XXXX, XXXX XXXX XXXX XXXX ), who handled this judgement, indicates that this judgement has been satisfied and case has been closed. I have also enclosed proof of closure in XXXX XXXX XXXX, XXXX XXXX XXXX. 
In light of this information, I feel all XXXX credit bureaus should delete these potentially negative records to avoid further confusion to potential creditors in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opened an account with XXXX XXXX in XX/XX/XXXX. I closed the account XX/XX/XXXX. I NEVER had a late payment and was assured of this when closing with confirmation and receipts. I was also assured that I would n't receive a penalty for closing because there was no contract. In XX/XX/XXXX, I began receiving bills saying I owed {$360.00}. I called to clear the matter and was told that my debit was incorrect and I was to be OWED {$230.00}. I have never received that amount and noticed FALSE REPORTING on my credit report. Every time I call customer service, I am told I am owed {$230.00} but the account is still " processing ''. I am told that a manager will call me back but I have never been contacted to clear up XXXX mistakes and false credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Respected XXXX Please help as I am being harassed by these credit bureaus as they are not being fair in their reporting. 
Initially when I was doing short sale and loan modification, XXXX Bank had promised us it would not reflect on our credit reports and the only way the Federal law would allow us to " short sale '' or do " loan modification '' would be by missing payments for XXXX 6 months It has been XXXX 2009 and more than 7 years since the short sale of XXXX XXXX XXXX, XXXX XXXX and a similar amount of time since the late payments for loan modification for XXXX XXXX XXXX XXXX XXXX XXXX, but all the XXXX credit bureaus refuse to remove this information inspite of repeated requests, written letters etc. This is adversely affecting our credit reports and scores and we are ending up paying very high monthly mortgage for our primary residence. This is very unfair as all this information per law should be removed once it is 7 years old and any late payment information once its 2 years old, and this is because they repeatedly called and asked us to do it. 
Please see attached letter Due to this reporting my credit score has suffered for past 7 years and I have been paying an APR of XXXX when I can be easily eligible for an APR of XXXX or XXXX for the same Jumbo loan on my primary residence XXXX, XXXX XXXX XXXX, XXXXXXXX The extra money will help secure my child 's future and education and my wife and child 's security as I am the only earning member of the family I recently had XXXX XXXX at age XXXX and Thank XXXX I am completely XXXX free and expect to live a normal long life for XXXX XXXX years XXXX willing. 
However at this point I XXXX and need help from the Federal agency such as yours to correct these issues which are not fair. I know colleagues making much less and recent grads but because of their credit score they got much lower rates. My Child and family are entitled to the same level of security and I need your help I have been trying to refinance my mortgage for past 2 years and after months of paperwork am given the run around. 
All I can request is to please help and have the credit bureaus be fair and remove the negative information from all XXXX reports because in the first place I was promised they would never go on my file and second place it has been more than 7 years since the short sale and more than 2 years since any late payments. 
Please help resolve this as soon as possible, I have XXXX banks in their final stages of refinancing but are giving me higher rates just because of the negative information on my credit reports XXXX Keeping an excellent credit is my number XXXX priority SSN XXXX Thank you and sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Sent Equifax several letters beginning XX/XX/XXXX until XX/XX/XXXX with FTC reports and police reports stating that I did not recognize nor authorize the following inquiries : Creditor Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Equifax refuses to delete them after sending letters. They are in direct violation of FCRA. I tried calling the agent stated, " Inquiries can not be deleted as they are verified. '' However, I stated I did not recognize these inquiries nor authorized any of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee after failing to make a payment one-day late. Capital One refused to waive the fee and even though the merchant charges and interest have been paid, Capital One continues to charge late fees even though I closed the account on the day I called about waiving the late fee and Capital One refused. Attached is one of several attempts Capital One has made to negotiate the late charges it has assessed to the closed account. 

This tactic of " negotiating '' a late charge is similar to a mafia protection racket, where the mafia sells protection services when the mafia created the injury to property or person in the first place. Additionally, Capital One is engaging in an insidious tactic that most consumers may not recognize ; ANY partial payment extends the statute of limitations for debt collection. 

Included in the attached file is also the consumer statement I have added to my XXXX credit report. You can see that Capital One did not dispute the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
It has been seven long years since the financial meltdown. I have spent several years of my life attempting to do a loan modification on my own house and a rental property. 
The banks and " investors '' that own these loans are just paying lip service to us. 
The banks have only paid fines and now they are bigger than ever and just asreckless. XXXX XXXX has not seen any of this money. Inflation is high to the people that are paying bills and actually go to the store to buy food. 
The handling of this has created another reminder that there are XXXX sets of laws. 
Not one person has gone to jail or lost their position and yet they came so close to destroying America. 
Oh. It also created another department of government- the CFPB. 
I have complained years ago about this same issue and so have many others, but nothing has been done. 
Heck, XXXX sends people to jail just for shorting positions. 
I can only say that me and many people I talk to are fed up and disgusted at theability of the greedy and unethical to continue to thrive in this country. 
This sounds like a rant- because it is a rant and complaint because NOTHING has changed. 
* After completing this process, I have one question. 
What makes the CFPB any different than the XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Received my Score form Experian from my bank. Folllowed the link on the pdf to get the free annual credit steps online on Experian. After I actually started disputing a few things on the report and adding them successfully to cart, I was n't allowed to proceed, kicked out of the system. I tried many. Still no access to all the work and disputes. A failure notice that says I need to write to Experian. No technical error. Tried a different laptop, great connection. I try to sign up and /or buy a product and it works well. This is a way of making things difficult deliberately to consumers -- who would mail instead of having online access? -- a way to oblige consumers to get the free annual report and actually dispute transactions online

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 2015-10-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I see that XXXX charged off an account. They should n't have done that. I purchased a cell phone and service that did n't work. They made me wait and try different methods, try calling out and in but the calls would n't go through or would drop. Then, they agreed to take the phone back and cancel the service no charge. But, later I get a bill for $ XXXX.I disputed it. They claimed it was for one month service, that I made calls. ALL of the calls either did n't go through or dropped in a matter of seconds. They insisted and I disputed the charge. Finally, after going back and forth for months, I gave up and gave in. I paid the XXXX {$87.00}. Now, I find that their horrible business tactics affected my credit score. I want this charge-off deleted, please. It 's not correct. I should n't have had to pay them in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a credit freeze placed with the Equifax, XXXX and XXXX. With XXXX and XXXX, I am always able to quickly temporarily lift the freeze online without issue. With Equifax I have never been able to successfully remove the freeze online. Today was no different, after resetting my password and jumping through several hoops, I was told to call in. I called and requested the freeze be temporarily lifted. The automated system advised that the freeze would be lifted effective XX/XX/XXXX ( tomorrow ) - XX/XX/XXXX. Because I needed the freeze lifted tonight and it was only XXXX XXXX. CT, I requested a representative. They advised that it'd already been lifted, despite what the automated system stated. 

I submitted a credit application over an hour later which was declined due to the freeze. I called Equifax back and had an extremely difficult time getting an associate. When I did, they advised they have 24 hours to remove the freeze. I advised I didn't believe that to be the case, that it was one hour, and they just repeated themselves that it can take 24 hours. I then searched online about the one hour requirement and found that others having the same issue with Equifax were able to get the freeze lifted by requesting it be permanently lifted instead of temporarily. This worked for me as well, but shouldn't be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Information belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
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: Information belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief