BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello yes I contact the credit breau Equifax regarding account bankruptcy chapter XXXX that was fraud and they told me to send in documents stating it was fraud and I sent them document from the courts stating the account will be deleted and they told me if I mail them in the document showing it will be deleted they will update my file showing the bankruptcy will be removed I contact them and they still did n't remove the account off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Capital One # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Has Violated My Rights. 
15 U.S.C 1681 Section 602A. States I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 section 604A. Section 2, It Also States A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS.

Section 605B States All FRAUDULENT ACCOUNTS MUST BE DELTED/ AND BLOCKED FROM ANY FURTHER REPORTING. 











I HAVE SENT THIS COMPANY MULTIPLE LETTERS REQUESTING WRITTEN INSTRUCTIONS OF ME ALLOWING OR AUTHORIZING ACCESS OR EVEN ALLOW TO FURNISH ANYTHING. 

I HAVE SENT : FTC IDENTITY THEFT REPORT POLICE REPORT DRIVERS LICENSE PROOF OF ADDRESS COMPANY AND CREDIT REPORTING AGENCY CONTINUES TO WILLFULLY NON-COMPLIANCE TO DELETE ITEMS ACCORDING TO FCRA 605B AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2016-06-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has removed delinquent items from my credit report, yet my score never changed. My report now matches the other XXXX agencies where my score is XXXX is near XXXX. I need them to explain why my score with Equifax is XXXX, nearly XXXX points less than the other XXXX agencies ( See Attachment ). How is it I 'm almost XXXX points different between XXXX agencies? 

Equifax never mentioned in writing why TAX liens that were RELEASED, not paid as the State of CA. Filed them in error were not removed. As per the law they should be removed since Equifax did n't return an answer within 30 days. The TAX lien has been removed by the other XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XX/XX/2008 I attended a trade school at the XXXX The original tuition to attend school there was around {$20000.00}. I took out the cost of the tuition from XXXX now known as Navient. After I had graduated I had difficulty earning money due to harsh economic times and a difficult job market. After speaking with XXXX they gave me the option for forbearance. After more years of struggling the interest on this loan has gone far beyond the principle balance to more than double at around {$54000.00}. I have spent the last XXXX years going back to school to earn a XXXX at XXXX solely so that I might be able to pay back this loan. From reports that I have heard about on the news, It has come to my attention that given my circumstances, this accruing this much interest could have been avoided but due to XXXX/Navient 's deceptive practices I am currently in the situation that I am now. I am filing this complaint in hopes that some sort of resolution can be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
This complaint was previously filed un der Case No .  XXXX  and I have tried numerous times before that to get Bank of America to correct their records.     I continue to receive confidential information from Bank of America f or one of thei r customers.     I am NOT a Bank of America customer.   I DO NOT KNOW that customer.     Bank of America, in a letter to me dated  XXXX / XXXX / XXXX   XXXX  attached ), and in response to the ab ove Case No. replied, " Our records do not reflect you as an owner or authorized user on the account  referenced ... '' Exactly my point. So, why do you keep sending me information about that account of which I am not an owner??     Today,  XXXX   XXXX ,  XXXX , I received the following email from Bank of Ame rica ( origi nal message attached ) : " Dear  XXXX   XXXX  : The authorization code you requested is listed below.   Authorization code: XXXX  Please note that this code is temporary. If you try entering the authorization code and it has expired, you 'll need to request a  new one. . .. '' Why is Bank of America incapable of contacting their customer and finding out what the correct email address for this account is?     Instead, the Bank keeps divulging confidential information to me, who, as they correctly state, is neither an owner nor authorized user.

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 2020-04-06
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately. 

US DEPT OF ED/XXXX/XXXX  XXXX {$7000.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$100.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX XXXX {$21000.00} XXXX   XXXX  XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Convergent Resources, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC section 602 states i have the right to privacy.

15 USC1681 section 604 A section2 : it also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

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 2023-02-25
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: 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Over 30 days ago, I requested that Equifax investigate XXXX inaccuracies on my credit report. That request was sent on XXXX XXXX, and I am attaching a copy of the letter. To date, they have yet to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) ] XXXX XXXX- XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) [ XXXX XXXX XXXX XXXX ] In accordance with the Fair Credit Reporting act XXXX  Account # 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 2017-01-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening. As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XXXX. As a result my credit report as alerts on them until XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
TransUnion denied a copy of my free annual free report, despite my last free one being dated XXXX XXXX, 2015. Instead TransUnion sent a latter requesting payment of {$8.00}, or alternatvely sending a request to Annual Credit Report Request Service. The latter is what I did already, along with copies of my driver 's license and social security card.

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 2016-03-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX D.O.B- XXXX/XXXX/1974 SSN- *********** I have recently contacted via phone Experian regarding my credit report. There is inaccurate information, like credit limits, missed payments, accounts that do n't belong to me, and unauthorized inquires on my credit report. Experian has told me that they were going to fix it, but at this point they have not fixed anything, I have not received a copy of my credit report in the mail and I still have the negative and inaccurate information on my credit report which I have checked online. I recently tried to finance a car and I was denied because Experian has inaccurate information on 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 explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXXt XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) ] XXXX XXXX  XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) [ XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was recently pre-approved for a car loan through one bank. I went to purchase the car on a Sunday and that particular bank was closed. Without my knowledge nor my consent the car dealership reached out to several banks to attempt to secure a car loan. This has since placed my credit status as poor. I would like each bank to be notified that I did not sign or verbally approve of these inquires and I wish for them to be removed from my report immediately. I will be contacting the dealerships main office to file a complaint against this particular dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I wrote a letter about a Frudlent account that says I 'm a Authorized User, I never gave permission to anyone to add me to any account. I have asked Equifax to remove and they have not. I have written XXXX letters The XXXX companies that have me as Authorized Users Are 1.XXXX XXXX ( Authorized User ) Fraud 2.XXXX ( Authorized User ) Fraud 3. XXXX XXXX ( Authorized User ) Fraud I NEVER GAVE PERMISSION TO BE ADDED TO ANYONE ACCOUNT I ALSO WAS LIVING OUT OF THE COUNTRY FOR OVER # YRS WHEN THIS HAPPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-01-30
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I came home on XX/XX/XXXX from an almost 8 month trip. I found several collection letters from Penn Credit which I replied the next day asking for verification. I sent a list of things including original contracts bearing my signature in order for me to be able to validate the alleged debt. They not only failed to send the requested information, but also I received a response that violates my HIPPA rights. The collector did not provide a HIPPA release form with my signature that provides authorization for them to have any medical information of mine. Penn CrediXXXX continues the pursuit of this alleged debt without validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: National Credit Systems,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 have had disputes with my landlord and their is a history of the landlord harassing me. This attempt at collection is another example of it. I have asked by phone and in writing for them to provide me a copy of the electric bill that they say I owe that shows usage and the dates the bill covers. They have failed to do so. 

I have also requested a copy of the lease that I signed that shows what they are basing the termination charges on, and so far they have failed to do that. 

They have reported this debt to the credit bureaues in an attempt to ruin my credit. I have been disputing this debt for two years by phone and in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is the second complaint against Chase Bank. On or about XX/XX/2022 XXXX XXXX processed a direct deposit into my Chase Bank account ending in XXXX for the amount of {$360.00} which posted to my Chase Bank checking but about the same time Chase Bank closed my account and never sent me those funds due to me. 

The first issue I lodged a complaint against Chase Bank through CFPB was back in late XX/XX/2022 in regard to a remote deposit in the amount of {$540.00} that I made on XX/XX/2022 which Chase Bank never gave me credit for and has still to this day not resolved this matter. XXXX XXXX has verified this check via an phone message to Chase Bank 's customer service # XXXX and through an email to me in which I forwarded to Chase Bank. 

I have not as of yet received any money from Chase Bank for the paychecks from XXXX XXXX that was posted to my then account with Chase Bank. The excuses that I am getting from Chase Bank is " they can not verify the issuance of these funds from the maker of those funds. '' Chase Bank refuses to call the phone number for XXXX XXXX ( XXXX ) XXXX because " this is not a registered number for XXXX XXXX '', I have told them that XXXX XXXX purchased XXXX XXXX and everything is registered to XXXX XXXX but they can still verify the money that was paid to me but this doesn't seem to matter to Chase Bank and they are continuing to hold my money. 

Please help me to finally resolve this matter as I am at my wits end with this and tired of trying to resolve this in a timely manner. We are already into the month of XXXX and I have been waiting for my money since the beginning of XXXX. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have desperately been trying to put an initial fraud alert on my credit file. I keep getting alerts from banks, email providers, everyone really, saying someone is trying to log in to my accounts from XXXX. I obviouslly want to put a fraud alert on my file. I go and try to do it online, submit all my information, and am told they are unable to assist me online and i should call for more information. Wehn I call, if I use the automated self service, they tell me they are unable to assist me over the phone and to file online. If I choose an option that seems like it would get me a live person, i am put on hold until the call auto disconnects. Meanwhile, someone is going to log in to my accounts and steal all my money and I am NOT being protected by these companies.

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 2015-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have made all payments on time to XXXX XXXX XXXX. However, this month when reported my credit score dropped XXXX points as a result of late payment. When reviewing the payment history, all sections are in good standing, however, it says I am 39-50 days late in that section as well. I am current with all payments, I have NOT missed or been late on a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief