BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern, I had signed on my XXXX XXXX account on XX/XX/XXXX and noticed hard inquiry 's I never authorized or signed up for. I am looking to have these removed as this is fraud and someone was trying to use my personal information. I just tried calling up some of these companies and they all pretty much said I have to dispute here in order for false inquiry 's to come off credit report here are the ones I do not recognize and believe them to be fraud ... I would like these to be removed from any credit card reporting agencies as I did not do any of this and it is inaccurate. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from 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 explanation
Consumer complaint received 2021-08-21
Company: EQUIFAX, INC.
State: NY
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:
Filed bankruptcy back in XXXX never gave written consent for personal information to be sold or reporting on my credit report. 

The federal law privacy act of XXXX XXXX My rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXXBalance {$39.00} XXXXBalance {$220.00} XXXXBalance {$180.00} XXXX XXXX XXXXBalance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have some accounts on my credit report that do not belong to me. 

- XXXX XXXX XXXX - {$650.00} - XXXX XXXX XXXX - {$640.00} My credit is reporting as much lower than what it should be due to these fraudulent accounts. I have tried to contact them over the phone but they just want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion is constantly disregarding my disputes they are only disputing two account at one time when I have sent them several accounts to dispute. Inaddiition it is taking them well more than 30 days to give me an update... .they are failing to investigate my inaccuracies. Certified letter XXXX this was mail off on the XX/XX/22 they have received it on the XXXX but I spoke with a rep they said they received it on the XXXX of XXXX and its only XXXX accounts disputed I am disputing well over XXXX accounts I sent them a XXXX page documents which they threw away.. I also have pictures of the information I put in the folder. This is not right that they are taking me as a joke... .and not complying.

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 2021-07-21
Company: EdFinancial Services
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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 am writing to delete the following information off my credit report. I ask that these fraudulent charges be removed from my credit file as soon as possible. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit so that these charges can be removed from my file because it is hindering me.

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 2019-11-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I updated my banking account details with Carrington Mortgage that were saved on their third-party payment processing website, XXXX. In XX/XX/XXXX, I submitted a dispute with Carrington Mortgage because their website did not process my payment according to the new banking information but instead reverted back to the saved information causing my payment to be late. Carrington acknowledged their error and suppressed my credit reporting for XX/XX/XXXX. I have used the same stored banking information until XXXX of XXXX when I updated my account details again on XX/XX/XXXX. 
The same thing occurred where my new information was not used, but the stored information was used and caused my payment to be returned and thus reported 30 days late. This time, Carrington outright refused to suppress my credit report and responded to my multiple disputes with inaccurate information regarding my banking details ie referring to a XXXX  XXXX XXXX account that I did not have open when my XXXX payment was made. They have also refused to share any documentation received from XXXX detailing my activity on their website the day in question. I am demanding Carrington fix the error with my credit report as my payment was made on-time and wasn't my fault that their third party website for payment processing has a known glitch which they acknowledged in XXXX of XXXX. After a year, they are now stating that they made an error in XXXX and there was no known glitch. I have a letter from Carrington that ackowledges a known error with XXXX dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: AES/PHEAA
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:
I recently checked my credit report and noticed there were XXXXXXXX loans on my report that I did not authorize. I have never applied for a XXXX loan before, and I have a total of {$33000.00} in loans from a company by the name of Fedloan Servicing. I reached out to XXXX, XXXX, and XXXX via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the Fedloan Servicing on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All XXXX of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the XXXX bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all XXXX  bureaus with this information, and they are still refusing to remove this information from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22
Company: EQUIFAX, 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:
My student loans are currently reflecting incorrectly on all of the major credit bureaus. I have investigated and just now sent in for a complete investigation/audit to XXXX for refund issues with XXXX Kentucky University and XXXX XXXX XXXX. 
Since obtaining my loans I was never properly Advised that by not doing a small income driven payment I would be saving myself apparently now thousands of dollars. Each time I have contacted them I was placed only on a forbearance. 
As of now XXXX XXXX is reflecting the following to the bureaus which has my debt to income ratio WAY over the limits and is causing me to not be able to obtain loans and causing me negative harm and higher premiums on loans and insurance. 

I tried contacting the consumer to find out why the balance ( amount that I have borrowed is right @ XXXX more than the what I originally borrowed ) and I get no where but transferred around. It can not be possible that I have generated XXXX interest on my account and if I have it is their fault for not placing me on a program where I would have at least been paying the interest while I was in school. They false advertise and their customer service lies to students about the options they have. 
According to the FCRA if ANY Company falsely reports information and the Bureaus do not fully investigate ( which I have asked to do on multiple occasions ) They are required to remove this account from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CARD Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a Complaint : XXXX CLOSED STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Problem with a purchase or transfer On XX/XX/XXXX, I was arrested in the parking lot, on an outstanding warrant for a Probation Violation where I was living at the XXXX Motel in XXXX, AZ. All my clothes, hygiene, dog, wallet ( with my Card com card, my XXXX XXXX  card, my XXXX XXXX, my AZ DL, and cash ), laptop, etc. were all in the room at the hotel. I was incarcerated at the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. None of my clothing, hygiene, debit cards or money was at the hotel when I was released on XX/XX/XXXX. When I finally got into my CARD.COM account, there were several transactions from XX/XX/XXXX through XX/XX/XXXX XXXX, XXXX. Since I was incarcerated, with NO access to my cards, my phone, etc. at the time of the charges, there's no way I could have made any of those transactions. I filed a Dispute on XXXX separate occasions with CARD. COM, per their request, with all the required paperwork ( police report, Arrest Report, etc. ). CARD. COM denied my claim. 

NEW CLAIM : Card.com paid me {$630.00}, which was for transactions that occurred while I was incarcerated. However, there are still several transactions that occurred while I was incarcerated, that were not reimbursed. There still is an outstanding balance owed to me of {$1000.00}. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent multiple request certified mail to have copies of the documents they have in your files as of this date that you used to verify the accuracy 19 accounts that are not mine or have all 19 accounts deleted. <P/><P/><P/>Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit reports or such accounts be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). <P/>The last request was sent on XX/XX/XXXX and as of XX/XX/XXXX, they did n't do a proper investigation due to the quickness of the response given. I have NOT received any documents, saying that these accounts have been verified nor have they been deleted. <P/><P/>They are reporting inaccurate information on my credit report which in fact is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: PA
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 submitted an online dispute to Equifax on XX/XX/XXXX. The dispute center said that the dispute should be finished by XX/XX/XXXX. Today is still saying under investigation and it's been 32 days. I called Equifax and they told me that I have to call the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06
Company: JPMORGAN CHASE & CO.
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: CITIBANK, N.A.
State: MO
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:
We have citi card and the zero percent financing ended XX/XX/2019. We had a credit limit. We do not remember each credit cards limit because we rely on credit card company to deny any purchase over the credit card limit. {$4100.00} of credit card went over the limit and citi never declined credit card until after that huge amount was over billed. Then, citi said our minimum payment was entire amount of money over the credit limit, which they caused. We would like reimbursement of money over credit limit, reimbursement of any interest charged over credit limit, and for citi to stop these unlawful practices in future with other customers.

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 2021-10-09
Company: Experian Information Solutions 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:
Experian did an investigation on XXXX. In a previous request, I disputed the fact that the payment status listed was not correct. I requested to have incorrect payment status/delinquency deleted from this account. During the reinvestigation, some of the delinquency was removed but not all due to incorrect information. This is a violation of my credit rights. If there is any delinquent incorrect information, it should all be removed. For example they removed late pay delinquency status from XX/XX/2020 ; however Experian left XXXX, XXXX, and XXXX at 90, 120, and 150 days. How can this be done? Once there is at least one inconsistency all the late pay delinquency status must be removed. How can you just say the customer is 90, 120, and 150? Its incomplete. You cant go from not reporting at all to 90, 120, 150. This is incomplete and is in violation with the rights of the consumer. Please remove the remaining late pay delinquency from this account.

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 2018-07-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
2018 XX/XX/XXXX, I found out that {$25.00} has been debited from my chase premier plus checking account as service fee. I called customer service at XXXX XXXX eastern time on XX/XX/XXXX. The customer care representative informed me that the fee was levied because my combined account balance ( savings + checking ) during the XXXX statement cycle went below {$15000.00}. Nonetheless, she returned the fee as a courtesy to me. 

I checked my statement and found that my balance never went below {$15000.00} according to the statement. In contrast to the numeric evidence there was a line on the statement and I quote - " Your average qualifying deposit and investment balance was {$14000.00} ''. At this point I was not sure if I was reading the statement wrong. So, I called chase again at XXXX XXXX  eastern time. I was informed that I was not reading it wrong. 

I informed them that I would like to complain. They could not give me an email id and gave me a physical mailing address in XXXX Texas. 

I want to know if I am making a mistake in reading the account balance or understanding of qualifying deposits balance. If there is no mistake on my part, I would like to know an explanation of what caused such a huge error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21
Company: ALLY FINANCIAL 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:
review the following accounts that appear on my credit report, they do not belong to me and are hurting me Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft ALLY Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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