BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX REFUSES TO ADDRESS MY CONCERNS. THEY CONTINUE WITH THEIR RETALIATION. THEY TOOK AN ADDITIONAL 8 POINTS OFF OF MY CREDIT REPORT WHEN I MISTAKENLY OPENED A CHECKING ACCOUNT IN MY CREDIT UNION AND IMMEDIATELY CLOSED IT. MY CREDIT UNION SAID THAT EQUIFAX SHOULD NOT HAVE DONE SO. I HAVE NO CHOICE BUT TO STEP UP MY COMPLAINT PROGRESS AGAINST EQUIFAX. THEY SENT ME SOME DOCUMENTS THAT DID NOT ADDRESS MY ISSUES. THEY STILL HAVE VERY OLD DEROGATORY INFORMATION ON MY REPORT. THEY ARE THE LOWEST REPORTING BUREAU OF ALL THREE CONSISTENTLY. THEY REFUSE TO ADDRESS ISSUES ACCORDINGLY. EQUIFAX WILL REPLY TO THE COMPLAINT WITH STANDARD EVERYDAY ANSWERS THAT ARE USED FOR EVERY CONSUMER EQUIFAX IS FRAUDULENTLY REFUSING TO CHANGE CREDIT SCORES. I AM WRITING MY CONGRESSNAN AND STATE ATTORNEY ABOUT THIS. I DEMAND THAT THEY ACCURATELY REFLECT THE CHANGES OF MY MORTGAGE AND MY CREDIT CARD INCREASE. I NOW DEMAND THAT THEY REMOVE ADDITIONAL ACCOUNTS AS A FACTOR FOR DECREASING MY SCORES. EQUIFAX IS A POOR CREDIT REPORTING SOURCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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:
I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2018 Balance : {$11000.00}

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 non-monetary relief
Consumer complaint received 2020-01-05
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX broke my loans down into 9 different accounts with 9 different interest rates increasing my loan to over {$37000.00} for an XXXX degree!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and there is a credit inquiry from Cbna  that I do not recognize from XX/XX/2019. I did not apply for any credit cards or loans with them on that date. I contacted the company but they did not remove the inquiry.

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 2020-01-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and there is a credit inquiry from Capital One that I do not recognize from XX/XX/2019. I did not apply for any credit cards or loans with them on that date. I contacted the company but they did not remove the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing this letter to request the reimbursement of bank charges for bank erroneous levy of my XXXX XXXX XXXX XXXX ( XXXX ). 

On XX/XX/XXXX, the Wells Fargo Legal Department withdrew {$580.00} from my Wells Fargo checking account and charge me a legal processing fee of {$120.00}, as a result of the legal order in the amount of {$3400.00} from the Franchise Tax Board. As soon as, I found out I called the legal department to explain my financial situation and also contacted XXXX XXXX Department to set up a payment plan ( {$65.00} a month ), which was accepted. Since XXXX, I have been receiving XXXX. The XXXX XXXX  became my only income. ( A copy of my XXXX XXXX XXXXXXXX Award letter is in the attachment for your reference ). Therefore, the funds in my bank account were coming from XXXX and should be returned to me immediately. Also, Wells Fargo Bank is well aware of the regulations regarding XXXX citizens on XXXX XXXX XXXXXXXX. How much do they collect annually for charging the outrageous {$120.00} fee for processing liens against federally XXXX customers. I would bet it is substantial. The fee should be refunded accordingly. Thank you for your time and consideration. I may be reached by phone at XXXX XXXX XXXX XXXX or email. I look forward to hearing from you soon. 

Respectfully, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Bread Financial Holdings, Inc.
State: VT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This complaint is directed towards Bread Financial who has recently taken over for Comenity Bank. 

On XX/XX/XXXX my XXXX XXXX credit card was closed. I have proof of this in writing from Comenity Bank. I was directed to pay off the balance and to destroy the credit card. The closed account is even reflected with the credit bureaus. I have made my payments every month since and all payments have been made on time. My last payment was made XX/XX/XXXX bringing the balance to {$0.00}. I should not have had any further charges since this account was deemed closed. On XX/XX/XXXX, I was charged a {$2.00} interest fee on my closed account that officially had a balance of {$0.00}. I contacted Bread Financial customer service regarding this interest fee on my closed account. I was on the phone for 34 minutes, got nowhere, and waited only to be hung up on. 

I know other customers have had problems with these interest fees on a {$0.00} balance as well only to not realize it because they considered their card to be paid off. They were then slapped with a late fee. I am not going to keep playing this game every month. It is a form of stealing from customers. 

This account will have been closed for almost two years and my last payment on XX/XX/XXXX should have been the last interaction with Bread Financial. 

It amazes me that with all the complaints filed against Bread Financial that they are still getting away with this behavior towards customers. Unfortunately, I have another store credit card that has been transferred to this company as well which I will be closing once the balance is paid off and dread having to go through this process all over again. 

This is extremely poor customer service and IT IS stealing from customers. 

Please take care of this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX  and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2022-01-25
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: Information belongs to someone else

Complaint:
I HAVE SUBMITTED MULTIPLE DISPUTES IN REGARD TO THIS FRAUDULENT ACCOUNT. LASR YEAR IN XXXX  THIS ACCOUNT WAS NOT ON MY CREDIT. I CONTACTED THE CREDIT BUREAUS TO RESOLVE AND THEY MENTIONED THAT THEY RECEIVED MY DISPUTES ON XX/XX/XXXX BUT WOULD NO LONGER LOOK INTO MY CONCERNS. THAT WAS TODAY XX/XX/XXXX AT XXXX EST. THIS ACCOUNT DOES NOT BELONG TO ME AND ITS A SECURED CREDIT CARD AND I HAVE NEVER HAD A SECURED CARD WITH ANYBODY AND I HAVE NEVER SIGNED ANYTHING AGREEING TO THAT AT ALL. THIS ITEM NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE ALSO SUBMITTED AN FTC REPORT AS WELL.

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 2020-01-05
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
account : XXXX debit card number : XXXX XXXX XXXX XXXX Chase Bank has placed me, XXXX XXXX, in a humanitarian crisis. I notified Chase Bank that I would be out of the country XX/XX/XXXX thru XX/XX/XXXX When I attempted to reserve a hotel in the XXXX, the charge was declined and I was not able to locate a place to stay, as Chase Bank had restricted / declined all my purchases. 

I called Chase Bank 6 times to resolve this. There was no suspicious activity nor any reason to decline the hotel transaction. Chase Bank then blocked the card for ATM withdrawals. I was not able to purchase food. I had some nuts and I am stranded here in the XXXX. HELP. Urgent. This is an emergency. I am very far from any embassy or consulate. 

Chase Bank has stranded me. I have over {$2000.00} USD in my account, but for no reason, Chase Bank has Frozen my account. 

At first the outsourced representative in the " Fraud Department '' asked to text me, but I am OUT of the country, so of course I can not receive texts. I do not have that phone, that plan or a way to receive SMS in another country. 

After I told the outsourced representative, they refused to verify me with a ) account activity b ) my credit profile c ) having me login to my account.

I can of course log into my account. Chase has frozen all transfers, payments, withdrawals, debits, for NO REASON at all. I just tried to book a hotel, got declined by Chase and now they are punishing me and I have no access to funds and I am in a foreign country. 

HELP! Urgent! Emergency! Humanitarian Crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Experian Information Solutions Inc.
State: MI
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:
My account was never late with XXXX, it was completely paid off. And removed from XXXX, I would like it removed from XXXX and Experian as well.

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 2022-09-15
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:
Original request sent via CFPB portal on XX/XX/2022 Complaint # XXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

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 2017-07-19
Company: Big Picture Loans, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Basically I got an email saying I have n't made a payment to bigpictureloans and I called my bank afterwards and they said XXXX dollars was taken out. So I called the loan company and told them what happend and they told me they had the payment on every Tuesday which was wrong and it was every Thursday since I work at XXXX and That was two weeks ago. Today I got another email saying the sage thing so I decided to make a complaint to declare fraud and violation of loan agreement on their side

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Experian Information Solutions 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:
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND OUT SOMEONE WAS USING MY INFORMATION WITHOUT MY CONSENT .. I DID NOT OPEN OR PROFIT FROM THIS ACCOUNT .. PLEASE REMOVE ASAP thank you .. happy holidays

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 2020-01-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XX/XX/XXXX my student loans were paid in full due to the XXXX XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Around XXXX or XX/XX/2018 i seen a ad about companies that can help you boost your credit score if  you pay them a monthly fee. For instance XXXX XXXX ( online book company } will give you a XXXX line of credit that will report to the credit bureau for XXXX a month. you are paying them just to report to the credit bureau to increase your tradelines which is a rip off they offer online books that you have to download. noone purchases the books its just a rip off to get your money monthly. they report on yur credit report under XXXX. they have a sister company XXXX XXXX that sells merchandise like XXXX, they gave me a XXXX line of credit i have never use these accounts. i have since establshed my own credit and i have advised them i no longer want to use their services. which is really a bias company that reports to the credit bureaus as if they are giving you a line of credit but they arent giving you anything just reportng to the credit bureau and want you to pay them monthly to report to all 3 credit bureaus. i stopped paying them and they have since deemed my credit report. i am asking that all 3 credit bureaus to remove both XXXX accounts from my credit file. Because they are illegal. i will not continue to use them afer i advised them several times i will not continue to pay them XXXX a month for nothing, just to report to my credit bureaus that i have a account with them something that ii can not use and never use,. basically people are paying XXXX just to report to their credit monthly as a fake trade line. I asked them to cancel my service and when i did. and didnt pay thry reportred me as a missed payment. there is nothing to miss. i have never purchase anything from XXXX XXXX please read the attached documents. they are a company that reports fake tradelines and consumers pay them a monthly fee for nothing. Please remove from my credit file al 3 bureaus.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: TX
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 to my credit report a request to removed the inquiries off from my credit report. 
I did not have any authorization to run my credit with all 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 2022-06-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2018-02-13
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: Public record information inaccurate

Complaint:
XXXX & Experian are both reporting a bankruptcy. They have both stated this has been verified. This is false information. XXXX  does not report this information. XXXX XXXX and other credit reporting agencies have not reported this information. The XXXX XXXX XXXX XXXX has not reported this information. I have asked that this be removed from my XXXX & Experian files but they have both stated it was verified but have never provided proof of verification. This is not fair to me and this false information should be removed from my credit files.

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 2018-12-02
Company: Ditech Financial LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Previous complaints have been settled with my mortgage company ( Ditech ) They canceled the {$210.00} additional forced flood insurance policy after realizing I had already taken care of the additional coverage they requested with my own flood insurance company ( XXXX XXXX XXXX XXXX ). They did say my escrow account has a shortage of around 70 something dollars and in the past they have given me the option of paying it and I do that in order to keep my monthly payments from going way up. Thanks for your time and help because it seemed no one was listening to me.

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