BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I did a Dispute claim for Services I didnt receive. I sent my money in XXXX XXXX Ive been trying to reach this company since XX/XX/2023 and no more response. Im thinking it Fraud. I contacted the Bank. I received a claim number XXXX,, XXXX from My Checking Account. The amount was {$750.00} and {$250.00}. They closed both claims and only reversed {$250.00}. I have proof by email Ive been reaching out for my refund by the company. The Bank never ask for no additional information. Why I never received the {$750.00} reversed to my bank account but I have {$250.00}. Im not understanding.

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 2023-03-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I had a Southwest Visa Credit Card that was issued by Chase. On XX/XX/2023, I paid off my balance of approximately {$5300.00}. At this time, I also paid off several other credit cards and loans through a consolidation loan. On XXXX I got an electronic letter from Chase stating that my credit limit was reduced from {$5400.00} to {$500.00} stating that my limit was reduced due to high balances on my revolving accounts. I check my credit report several times a week and as of XXXX my credit report shows that paid off two loans and three credit cards. I believe that Chase opened the account when I was rebuilding my credit with a 28 % interest rate in an act of predatory lending and when I paid it off they punished me by reducing my credit limit. I have never missed a payment or violated our agreement which would justify this decrease. When I addressed it with them, they stated that I could file a disagreement and resubmit all of my information to see if i could get it increased. As I have done nothing to violate the previous agreement and I believe that this was originally approved as a predatory practice, I closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I 've contacted each of the credit bureau and requested that they remove an account with   XXXX   XXXX   XXXX   that is reported as as a collection account, but its status is open and the high balance is one amount and the amount owed is much higher as well it continues to increase in balance monthly ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: MA
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:
Can you please look the attachments XXXX, Equifax and XXXX? Listen, Im a little concerned because I received notification since XX/XX/2020 when I called this original creditor XXXX XXXX XXXX card and they mentioned that they did their investigation and noticed that Im not LIABLE for this account and theyve ordered all the major credit reporting agencies to DELETE this tradeline from my credit report as shown on the screen of a letter I received from them. Why are you still continue to report this account on my credit report? Not only Im NOT LIABLE, this account continues to report mullite inaccuracies and I want this deleted effective now. Look, at the pictures below, its reporting 3 different dates of last opened, last reported, last active, different account status, different account HIGH balance, different and inconsistent with payment history, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: NJ
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 accourdance to graham leaked dliley act my privacy rights have been violated. I have a right that my private information is not shared with a third party persons. ( XXXX XXXX XXXX XXXX XXXX ) didnt ask my permission to share any of my information to a third party nor did i give written permission to do so which is required by law. 
-15 USC 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. My balance, the date i required such balance and what bank i required that balance from is not public information so should never been reported to Experian 15 USC 6802 ( B ) - ( 1 ) ( a ) ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted. That such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 6802 ( C ) states a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. Experian by having such information reporting on my consumer report you are there for violating my rights to privacy.it is your job to investagate anything that is reported before putting it on my report.its your job to be impartial while making sure my fair and report is fair, accurate and my privacy is respected.

15 USC 1681 ( L ) states Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. You guys have also violated that.

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 2022-04-17
Company: Experian Information Solutions 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, XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right of 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 explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: JOHN GIBSON AUTO SALES, 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: Public record information inaccurate

Complaint:
John Gibson Auto Sales XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX I filed a XXXX XXXX Bankruptcy in XXXX listed John Gibson Auto Sales as a creditor. John Gibson Auto Sales credit account was not reaffirmed nor did the company show up or file a motion to take the vehicle back into its possession. My XXXX XXXX bankruptcy was discharged in XXXX XXXX 
John Gibson Auto Sales is continuously reporting the account as a current account to the credit company XXXX XXXX as 60 days past due. The account was paid in full in XX/XX/XXXX by insurance company, XXXX resulting from a car accident which the vehicle was totaled out, zero Balance. 
John Gibson Auto Sale is committing fraud by report incorrect information to the credit company XXXX XXXX on purpose. The account had been disputed several times and John Gibson Auto Sale report the same information. 
In XXXX, John Gibson Auto Sales report false information to another Auto Dealership by reporting the account was reaffirmed in the XXXX bankruptcy when in fact it was not. John Gibson Auto Sale admitted the error after the damage was done by nor being able to submit a sigh document affirming the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
In XX/XX/2022 a hard inquiry from XXXX XXXX ( XXXX ) appears on my credit which I do not recognize and have not done.

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 2022-04-17
Company: Self Financial Inc.
State: FL
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:
back nXX/XX/XXXXn XXXX i had a hard time iam in florida and we had a real bad stome i file a complaint on dis same website asking for a good will adjustment and the company said they will update my report they did not so they i wnt all da accrs remove asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: TN
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 got these negative items from unknown companies to show up 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 2023-05-24
Company: TRUIST FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their records.

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 2022-04-17
Company: Block, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On on the XXXX of XX/XX/2022 I sent my brother {$84.00} on cashapp and he had just got a new phone and tried to login to his cashapp on his new phone and it wanted him to verify the linked card and when he did it said his identity couldn't be verified and he needed to create a new account to contact customer service. So he did that and he messaged support for 3 days going back and forth. They will not let him into his old account and they won't refund my money to me they just stole the {$84.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Date and Amount : XX/XX/XXXX, {$15000.00} XX/XX/XXXX, {$15000.00} XX/XX/XXXX, {$10000.00} XX/XX/XXXX, {$20000.00} XX/XX/XXXX, {$40000.00} XX/XX/XXXX, {$10000.00} XX/XX/XXXX, {$30000.00} XX/XX/XXXX, {$13000.00} XX/XX/XXXX, {$22000.00} On XX/XX/XXXX I informed XXXXXXXX XXXX XXXX XXXX XXXX that the wire transfers were fraudulent, XXXXXXXX XXXX  requested return of the funds from JP Morgan Chas but Chase said that they were unable to make contact with the customer. 

I believe a smart and vigilant banker would have frozen the account until the questionable situation was rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
XXXX XXXX XXXX XXXX XX/XX/1994 XXXX XXXX XXXX XXXX, CA XXXX XXXX These account have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 

ACCOUNTS XXXX XXXX Amount {$1400.00} Open XXXX XXXX XXXX  XXXX Amount XXXX {$900.00} XXXX XXXX  Amount {$990.00} XXXX XXXX XXXXXXXX Amount {$420.00} XXXX XXXX XXXX XXXX Amount {$670.00} XXXX XXXX  XXXX Amount {$190.00} XXXX XXXX Amount {$210.00} XXXX XXXX XXXX XXXX  Amount {$1000.00} XXXXXXXX XXXX XXXX XXXX Amount {$1700.00} XXXX XXXX XXXX Amount {$560.00} XXXX XXXX XXXX Amount {$470.00}

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 2019-02-28
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently applied for a home loan and in doing so, I discovered a negative file on my credit report from Choice Recovery of {$41.00} for a medical debt. I have never received a bill or notice from Choice Recovery for this debt. Upon discovery I contacted Choice Recovery today, XX/XX/2019 and a representative informed me where the bill was coming from and it is for a service I received and I'm willing to pay for this bill. However, I have never received a bill prior to today to be able to pay and avoid this negative reporting. When speaking with the representative from Choice Recovery, it was confirmed that the address they had didn't include my unit number for me to be able to receive the bill properly. I asked that the negative reporting be removed due to this and was informed, the negative reporting couldn't be removed and only marked as closed and a satisfied debt if paid. This is unacceptable considering the error in the billing address they have. I request that I receive a proper bill at my correct address and the negative reporting removed from my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights. : XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am the author of this complaint. I checked my credit report and saw that XXXX XXXX was reporting incomplete and incorrect info on my credit report. I disputed that accuracy and completeness of the account with the CRAs and after the reinvestigation results, the account was still reporting inaccurately and in a way that violates the FAIR CREDIT REPORTING ACT. 15 USC 1681s-2b states that if the error is not corrected after disputing with the CRAs then the creditor has to DELETE the tradeline from my consumer report

Company response to consumer: Closed with non-monetary relief