BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are misleading and must be removed or blocked for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX AUTO XXXX Balance : {$36000.00} XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-04-14
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I NEED THIS REFLECTED ON MY CREDIT REPORT AS PAID IN FULL IMMEDIAETLY AS ACCOUNTS ARE ALREADY PREPAID PER 31 U.S. Code 3123.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My issue is quite the disturbing kind for which I don't understand how this takes place and it gets overlooked.. 
My hard inquiry list has some very loud info to be handled very carefully since me personally think this is impossible for me to do but very disrespectful of the agencies whom too advantage of running credit checks.. this may strike you lightly but I have 3 agencies whom within a less than a year span have all three ran my credit more than 50, 70 and over 125 times and I am completely and utterly dumbfounded because I don't know why anyone who run my credit si many times and some day after day!!!! Ticked off since these are hard inquiries so they have screwed my credit up tremendously and I didnt apply for loans or cards nothing near 350 times in a less than a year and one is very close to home for consumer finance and I need someone to call and explain this to me because it's outrageous what has taken place. Thank you 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 explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNTS : XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
This account was corrected. 

It is paid in full and closed.

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 2023-09-06
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
my credit was ran through these companies without my knowledge and put on my credit without my consent of me knowing and would love to have them removed from my inquiries dates in start from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: KY
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope this disputed account is updated. 

XXXX XXXX XXXXXXXX Balance : {$27000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contact experian 2 times about the same account not being 100 % accurate and complete. also the dispute status was not update last month. i got a email from experian saying my dispute is ready and when i open the dispute on there website they tell me to call them. i want everything through mail. i don't talk on the phone

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 2023-09-29
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than the records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inac
curate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had an issue with a wire transfer on my chase account. XX/XX/2023. When I 1st called the rep from their XXXX location told me I had to find another way of sending money. I then spoke to a supervisor in Ohio she went through a verification process which the other person did not do and told me to submit it online again. It was denied. I went to a branch in XXXX XXXXXXXX fl to fix the issue. Rep did not appear to want to help me. She contacted department and gave me the phone so I could verify again with them. While doing this rep continue to text on her phone not keeping herself available for my service. When done she wanted to charge me more to do the wire transfer. I told her I do it myself and left. She was rude and not very helpful since she did not appear to want to do her job. I file request for wire transfer a 3rd time. I get a call from rep in XXXX and he wanted to verify again. I had to tell him I just got done doing it. It finally went through. I called and filed a complaint regarding issue with wire transfer and rep. No one ever called me back. On XXXX XXXX I was trying to transfer money from savings to checking. It was not working. I called and spoke to rep about issue so she did the transfer for me and contact chase it department about issue. Afterwards the I found transfer went through from rep and online. I get a text on XX/XX/2023 saying my savings is XXXX balance. I get on line and only see my checking account and car loan. 

I also show on checking that a payment to XXXX XXXX  cleared on XX/XX/2023. I got a call from my insurance agent that my account was frozen and they never received payment. When I called about this issue they said account was frozen on the XXXX. But yet it shows payment is cleared. No one wants to provide any info and I keep getting hung up on. 

I call chase and they tell me that that they closed my accounts and sent me a letter which I have not received. They won't give me a reason. But yet I still have my car loan. I have never had any major issues with them until I did a wire transfer and this rep from the bank along with issues online,. I have been with them 20 plus years. The bank created all these issues and appear to penalize me for their mistakes by closing my accounts. I never even received a call back from a manager in regards to my complaints. 

I never go into a bank unless it is absolutely necessary. All banking is done online and I use secure codes when I access my account. All their issues cause me extreme frustration and now they penalize me for them by closing my accounts. 
They are holding my money hostage!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Regarding the accounts mentioned below, I would like to bring to your attention that it is being reported as a late payment accounts, I kindly request you to provide proof of the accounts being late and delete the negative payment status on this account. I understand that errors can occur, but incorrect details on my credit report can significantly impact my ability to own a home and have a negative impact on my credit score. I expect an updated credit report reflecting these changes within XXXXhirty ( 30 ) days. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 received a current credit report. Soon after evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, MN XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I've been shopping for a heloc for a couple weeks now. Amerisave mortgage company XXXX ID # XXXX. XXXX XXXX XXXX ID # XXXX and XXXX XXXX XXXX ID # XXXX reached out to me. XXXX reached out first and got some info from me. Couldn't help me at the end of the conversation. Also never said anything about a credit pull. Shortly after that conversation ended, XXXX reached out to me and said he could help. He then notified me that he had my personal information from a credit pull. I asked him how he had that and he said it was in the system from someone running my credit earlier that day. I said I never gave consent to that and that it upset me. He brushed it off and tried to proceed with the loan. I told him I was upset and that what they did was not right and to have a manager reach out to me about the situation. The following day I reached out to XXXX and asked what happened with the request. He said to just be patient and that he could help with the loan but he wasn't the person to talk to about the situation. I told him that was unacceptable and I wanted to speak to someone otherwise I was filing a complaint. No one reached out to me so here I am. This is unethical, unacceptable and I feel wronged in this situation and would like some corrective action. Whether that's fines or suspended licenses, I don't care but these people need to learn that they need consent before running people 's credit. Please follow up with this and make sure it doesn't happen to anyone else.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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 o # XXXX XXXX XXXX XXXX XXXX # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-02-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As a result of my home owner bill of rights being violated I never received a approval or denial. I was forced into filing BK ch XXXX to stop Nationstar from taking my home from me. Had I dealt with a team of people that knew what the other one was doing my file would have made it to underwriting.I never just had one point of contact. Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As I was about to do a home search, I noticed that my credit score had decreased by XXXX points. I had contacted all the consumer credit Bureaus ( XXXX, Equifax, XXXX ) about the misleading information and inaccurate data.The creditor had reported my loan as delinquent when in fact I got an evidenciary letter prior to the negative notation indicating that my loan was under forbearance contrary to the negative reporting. The letter was submitted to the agencies as evidentiary exhibits. 

I had decided to pay off the loan to avoid further confusion and economic damage with the consumer credit agencies, however they refuse to correct and remove the delinquency which was entered based on the misleading information. 
The agencies and the creditors should take responsibility of their data to assure maximum accuracy. 

Despite of my reasonable payment history, my credit score keeps going down and my depleted score had affected me economically and prevented me from pursuing my home search. The misleading information had created harm and frustration constantly in my business dealings. 

It appears to me that there's a discrepancy between payments history and credit score, I have found that the agencies are reporting credit score callously and not reflecting the hard work that consumers place in maintaining an excellent credit score. These agencies are running as " XXXX XXXX XXXXXXXX ' '' with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation