BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: RI
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:
Hello.

I am writing about a student loan that has been paid in full for over 2 years now.

The account status from just Equifax appears as " Open '' and in " good standing '', with a balance of {$760.00}.

I have filed 4 disputes, which were quickly returned with the results indicating everything is correct ...

I have provided official loan fulfillment letters from both the college and loan servicer company indicating there is no balance, and it has been closed long ago.

I have spoke with representatives from Equifax on the matter as well, and was told that my dispite will not be personally reviewed.

There MUST be a technical issue, which has caused me to chase my tail for far too long.

I have all the documentation on demand ; i will also attach it.

Logically there is no way this account is still active, as I have not made a payment in over 2 years!

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried multiple times to get this loan refinance to a lower rate to only be told that I could not do it even though I got my other loans refinanced. They have also miss XXXX payments that does not seem to be corrected. The current interest rate is 14.25 %. My current balance is {$17000.00} on a loan with the original amount of {$6600.00}. I have been paying on this loan since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am reaching out to CFPB again because you are the governing authority to monitor and ensure the credit reporting agencies are maintaining accurate information. However, I have mailed certified letters to Transunion the last six months and this information has not been corrected. 

I am asking that you comply and enforce current federal laws and make them correct this information. This is my last attempt to resolve this matter with Transunion before seeking legal action against them. 

This is also my notice of my intent to file litigation for multiple violations of the FCRA. 

I pulled my credit report from XXXX and XXXX whom both confirm that the information they are reporting is coming directly from the Transunion database. I have not seen where Transunion has experienced a recent data breach that would lead me to believe that XXXX XXXX and XXXX XXXX are being less than truthful in their recorded statements to me. 

As of XX/XX/XXXX, Transunion is still reporting XXXX, XXXX, XXXX and XXXX XXXX as variations of my legal name. I have never gone by these names and they do not belong to me. However, my spouses name is XXXX XXXX XXXX and therefore these variations should not be reported on my credit report. 

As of XX/XX/XXXX, Transunion is still reporting XXXX XXXX XXXX, XXXX, XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Transunion has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/XXXX, Transunion is still reporting XXXX XXXX XXXX, XXXX XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Transunion has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/XXXX, Transunion is still reporting the following open accounts. These accounts are not mine. I have sent certified validation and verification letters to each creditor and they have not been able to confirm these accounts are mine. However, Transunion continues to report them. Under federal law until an account has been properly validated and verified according to article 609, they may not be reported on a consumers credit file. Transunion needs to immediately remove the following : - XXXX XXXX XXXX  - XXXX  XXXX - XXXX/XXXX  XX/XX/XXXX - XXXX/XXXX  XX/XX/XXXX As of XX/XX/XXXX, Transunion continues to report the following invalid and unauthorized inquiries. The creditors have been unable to provide proof of such authorizations. 

- XXXX  XXXX XX/XX/XXXX - XXXX/XXXX-XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX Your assistance with this matter is appreciated. 

Thank you.

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 2015-07-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
In XX/XX/XXXX, I had XXXX XXXX Account. I requested the account to be closed after my final payment on or about XX/XX/XXXX. When I pulled my credit report last year, I was shocked to notice that only was the account not closed, but there were XXXX XXXX Accounts listed. Both of these accounts were sent to collections with balances owing. I tried to contact XXXX and they told me that they transferred the accounts to XXXX XXXX and then purged their files. I called XXXX XXXX and they informed me that they did not have any record of these accounts at all. They told me to contact the credit bureaus. With the help of the XXXX the collection companyacknowledged the error and agreed removed all XXXX negative tradelines on my credit reports. XXXX and XXXX removed the items immediately, however Experian still lists the innaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: CITIBANK, N.A.
State: DC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I filed a dispute with XXXX about an unauthorized charge on my account and it 's XX/XX/XXXX and nothing has been resolved. When I called, they asked me to contact the merchant since the transaction was outside XXXX 's. This is ridiculous and I 've never heard anything like this. I believe this is a reg E violation, since no provisional credit was issued neither have they resolved it within 10 days.

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 2017-05-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To who m it may co ncern, I mailed a Multipl e Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If y ou believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complain t due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased a mens suit at XXXX XXXX XXXX. I paid for it in full and left it there for alterations. The bill I have shows an additional charge for alterations and it was to be shipped to me.I never received it so I called American Express on XX/XX/XXXX to dispute the charge since I paid for it in full with my AMEX card. They credited my account. They gave me a reference # XXXX and then sent me a letter saying they reversed their decision. Since there was not an explanation why I called them again and also sent letter explaining it once again they credited it again and then reversed it again. Today XX/XX/XXXX I have spent 5 hours so far trying to resolve this. I have asked AMEX repeatedly to tell me who they are communicating with and what documents they have and if they have been provided any proof that I received the suit. I have not been able to contact the Vendor because the have closed and have declared Bankruptcy. Which raises the question who did AMEX pay and why did they pay it.Clearly I can not hold XXXX  responsible and the Judge for the XXXX District of XXXX XXXX is not going to be interested in hearing from me. The XXXX  can not offer any help so I need to enlist your help in resolving this situation since AMEX has not been helpful at all. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28
Company: JPMORGAN CHASE & CO.
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:
I have a student Loan with JPMorgan Chase Bank ( Chase ) which is being serviced by XXXX XXXX XXXX ( XXXX ), poorly if I may add. I have been trying for months to release a co-Borrower, my Brother, who is in the process of qualifying for a home loan but is being impeded by this obligation. I am and have been fully making every payment since the issuance of the loan and furthermore have a much higher credit score ( XXXX pts ) and the reason they will not release my Brother is due to our credit histories according to XXXX XXXX Chase will not answer any questions, and when I ask to speak to someone at XXXX that can make a decision regarding this, I am referred back to Chase in a never ending loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was cosigning for my son 's college loan and was declined. My credit score has between XXXX for 20 years. requested a credit report & found XXXX delinquent payments to XXXX. Have n't been with XXXX for two years switched to XXXX. When I called XXXX they said it was for an address in Ohio. My inlaws who were part of my friends and family network. They switched to XXXX 4 months ago and have problems getting XXXX to close their account. evidently the account went to collection. I was never contact by the collections company. My sister inlaw has been trying to get a copy of the bill but the collections company does n't have access, finally yesterday XXXX/XXXX/XXXX I called XXXX with her account number and they said they would send her a bill. She received it electronically and paid it and said she would work with XXXX to get reimbursed. For at least 15 years my inlaws had XXXX i had no idea I was anything more than part of the friends and family network. I called the collections agency who said they never sent anything to my address since that wasnt ' the address for the account. When I gave the account number to XXXX XXXX at XXXX collection she said the account had been paid in full and she gave me XXXX approval codes. She advised me to contact XXXX Recovery Dept. and give them these approval codes ( XXXX and XXXX ). Sue told me she could n't take the delinquencies off of my credit report but that verizon could do it. I 've spent more than 4 hours speaking with various people or waiting on hold with verizon. The last women XXXX while very apologetic said there is nothing she can do. she said that these would stay on my credit report until XXXX which I told her was ridiculous. I 'm contacting you asking for help, please look at my credit report you 'll see that i 've always paid my bills ontime and have had good credit. I 'm not sure if this is the right approach but am just looking for help. 
Thanks you for helping me. 
Regards, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, WA 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
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$1100.00} XXXX  XXXX {$680.00} XXXX  XXXX {$10000.00}

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 2022-05-12
Company: Experian Information Solutions Inc.
State: CO
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:
on XX/XX/2022, I sent Commonwealth a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to XXXX, Experian and XXXX requesting they verify this validity of the account as well as informing them this was a HIPAA violation. 
Furthermore, XXXX is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. Eperian and XXXX have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and XXXX is still reporting it open. XXXX has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as reference.

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 2017-02-01
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called me on my wife 's phone, I told them to send me something in the mail, then somehow they obtained my work number and call me there without permission!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Dear CFPB, I have tried to access my credit recently and was denied because EXPERIAN continues to report falsely a judgment item that the entity XXXX, XXXX did not validate as due and owing to I, XXXX XXXX XXXX. The item was deleted and then inserted back in by EXPERIAN.The entity XXXX, XXXX never responded to my complaint I made to my XXXX of NJ and EXPERIAN continues to report the item falsely hurting my creditworthiness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America Mortgage uses illegal mortgage lending practices, disregards regulatory requirements, and violates signed mortgage lending documents, in my opinion. In XXXX, 2021, a refinancing application was submitted. Based on a credit score over 800, loan to value ratio of 50 % and debt to income ratio under 30 %, Bank of America Mortgage provided a rate lock agreement and mortgage approval. All required supporting documentation was submitted, and accepted, well in advance of deadlines. All appraisal and other fees were paid and the application was forwarded to underwriting. There has been no communication from Bank of America Mortgage since that time. Despite repeated telephone, e-mail, and written requests, Bank of America refused to provide status of the loan or any other information. Complaints # XXXX and XXXX were submitted through CFPB. Bank of America Mortgage evidently responded to CFPB but not me. After 5 months there has been absolutely no communication from Bank of America Mortgage. It seems obvious to me that Bank of America is refusing to put anything in writing because of illegal actions on their part.

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 2022-05-12
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:
New and updated information. I XXXX XXXX am submitting this complaint without any influence of a third party. Equifax is knowingly and willfully illegally furnishing accounts on my consumer report without my consent. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) a consumer reporting agency may furnish to a consumer report in accordance with written instructions from the consumer. I did not give Equifax consent to furnish anything to my consumer report. No consent is Identity Theft. An FTC report was sent to Equifax on XX/XX/2022 and Equifax stated that they will not be blocking the information pursuant to section 605B ( c ). They also stated that identification was not sent. Pursuant to 15 U.S.C 1681c-2 a consumer reporting agency has 4 days to block the information listed on the FTC report XXXX Unless Equifax can provide written documentation that I gave them consent to furnish to my consumer report they are fraudulently acting on my behalf. Please see attached documents as it contains my full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my 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 2015-04-29
Company: CASHCALL, INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan with XXXX XXXX finance in XX/XX/XXXX-XX/XX/XXXX for {$2600.00} and have been paying {$290.00} per month ( most months ) since that time with a total having paid to them of {$11000.00}. I am sending a cease and desist letter today ( XX/XX/XXXX ) and have issued a stop payment with my bank for this company. I have paid more than an adequate amount for this loan. Since the initiation of this loan, it has been transferred from XXXX XXXX to XXXX XXXX and Cash Call for management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation