BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: MA
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 disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX XXXX XXXX XXXX, INQUIRY DATE XX/XX/2020

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

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 about 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 2021-12-13
Company: EQUIFAX, INC.
State: MA
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 disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I started this credit card with capital one over 10 years ago and every time I apply for credit line increase they denied me. After 10 years with them my credit line with them is {$4000.00} only. My credit score is good, no negative items, payments always on time and they still turn me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I was out of country from XX/XX/XXXX to XX/XX/XXXX and when i come back to state i've noticed that my credit score was huge dropped and i look into my account and i had a late payment history which doesn't make sense to me so I looked up my credit report and I noticed that XXXX XXXX XXXX XXXX  reported late payment of {$8.00} dollars on my report which I didn't use this card over the 1 year period and I did set up Auto Payment to avoid any missing payments all of my credit card company includeXXXX XXXXXXXX XXXX XXXX I called and explained that It's not possible to late payment occurredin my account and they said it was some kind of unusual membership charge and that charge can not be processed using auto payment system which is nonsense and I told them I was out of country more than 6 months and I never use credit card during the period and I requested them to reinstate my account status as a current so that my credit scores back but they declinedmy request. This is an absolutely unfair act and I do not deserve XXXX points dropped because of the unusual membership charge or whatever they call it. Please help me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello- On XX/XX/2021, I had submitted a fraud dispute to TD Bank for a XXXX purchase that I did NOT make. Someone had hacked my XXXX online account and purchased an item for {$200.00} and shipped it to North Carolina. I live in Pennsylvania and did NOT make this purchase. I noticed the fraudulent activity on my account because XXXX sent me a shipping confirmation and I saw the charge was pending on my TD Bank Credit Card dated XX/XX/2021. I immediately called TD Bank but they said I can not formally submit a fraud dispute until the charge was posted to my credit card. They advised I call XXXX directly. I called XXXX and they said the item was already shipped to North Carolina and they could not do anything about it. I told XXXX to cancel my account with them to prevent any more hackers from mis-using my account. Once the {$200.00} was posted to my TD Bank Account, I called TD Bank back to formally submit the fraud dispute. It's been 3 months ( as today is XX/XX/2021 ) and TD Bank has not made any progress on this fraud dispute with XXXX. To this day, the {$200.00} is sitting on my Credit Card as a fraudulent charge. Please assist in resolving this matter. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( 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 2021-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX, XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the company is XXXX  and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.

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 2021-06-14
Company: AXOS FINANCIAL, INC.
State: OR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been attempting to cash out a CD. Apparently the only way this can happen is by secure messaging on their website which is only answered by humans in XXXX. First they said to transfer the funds to an external account which I could not do. Then it was, no you can't do that but you can wire the funds to an external account which I could not do either. Now it's we can write a check but don't know when we will do this. I have talked to two representatives on the phone which say they have no idea how to handle CD 's and won't forward me to anyone who has any say in this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: M&T BANK CORPORATION
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:
I did not authorize inquiries for this companies, I have never sign writen authorization. Inquiries have no permissible purpose. 
M & T Bank XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
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:
the company is XXXX and im being disputing some information and they are just ignoring me, no respond, not result, i try with the collectors and others companies and nobody give me any proof o validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Navient Solutions, LLC.
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a detailed response to the previous complaints that have been submitted. Navient was in violation of the FCRA and I would like for the item to be removed. The information requested has not reached me and the time frame has been well passed. As a result I am asking for the cfpb assistance to have them abide by the consumer rights law and remove the item from the credit report.. On XXXX XXXX 2017 the debt validation letter was delivered and signed for by Navient. The letter was sent from me with my current address via signature confirmation and certified mail. I waited and never received any of the requested documents. I allowed them, the law required, time frame to respond and then sent in and update and resolution assistance through CFPB. Although a response was given, stating that they printed a letter on XXXX XXXX. The address however on this letter did not correspond with the one that was submitted as my return address in my original debt validation letter. I have yet to receive the information requested and this has placed them in violation of the FDCPA Section 809 Validation of debts [ USC 1692g ]. Based on the rules established under FCRA Section 809 ; which states that if they have not validated the debt within the 30 day time frame : 1 ) they are not allowed to collect the debt 2 ) they are not allowed to contact you about the debt 3 ) they are not allowed to report it under the Fair Credit Reporting Act. Doing so is a violation of the FCRA. Based on this and supporting documentation, I am requesting your support to resolve this matter ; which is to have the item removed from the credit report please. Thank you so much for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. 
There are fraudulent accounts on my profile that need to be removed immediately. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion ) via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX, INQUIRY DATE XX/XX/2021

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 2017-04-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, I executed a HAMP modification to the original mortgage which increased the principal balance from {$230000.00} to {$270000.00}, a difference of {$41000.00}. Based on simple interest calculation of the principal balance pursuant to the terms of the promissory note - including provisions for escrow - only {$21000.00} of the {>= $1,000,000} increase was necessitated to bring the escrow and the loan interest accrual back into good standing. We have yet to receive any indication of who at Chase received the {$19000.00} or how it was applied, only that it increased the principal balance. With a principal balance that was inflated due to the {$19000.00} unsubstantiated increase to the principal balance effective XX/XX/XXXX ( the effective date of the HAMP modification ), borrower overpaid interest through XX/XX/XXXX. On XX/XX/XXXX ( effective date of the XXXX transaction ), XXXX XXXX closed a XXXX deferred loan for an amount totaling {$42000.00}, of which {$4800.00} went to bring interest current on the correct principal balance and {$15000.00} was applied to PITI monthly payments of {$1700.00} over the period XX/XX/XXXX to XX/XX/XXXX. Had the proceeds been correctly applied, {$17000.00} would have been applied to principal on a principal balance of {$240000.00} or those funds would have been available to make PITI payments using XXXX XXXX funds to XX/XX/XXXX ( vs. the end date of these payments on XX/XX/XXXX ). During XX/XX/XXXX, based on the erroneous internal accounting, XXXX initiated foreclosure. Borrower was charged legal fees and late fees which should not have been charged due to the incorrect representation of the balance due and other amounts due. Borrower in XX/XX/XXXX reached an arrangement with Chase to allow her to deploy approximately {$4000.00} she had borrowed from a family member to complete replacement of her roof. She had already expended {$5000.00} for this purpose and needed to spend the additional {$4000.00} to finish the roof. Chase agreed to allow her to do this inclusive of a 90-day payment moratorium, as they desired these improvements be made to the loan collateral. When the servicing rights were transferred to XXXX from Chase in XX/XX/XXXX, XXXX 's representatives in XX/XX/XXXX refused to acknowledge the payment moratorium and thus the dispute between borrower and XXXX, as it related to the balances due in principal, interest, escrow and the payment moratorium, began in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: CITIBANK, N.A.
State: MA
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 disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX, INQUIRY DATE XX/XX/2021

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