BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
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: Account information incorrect

Complaint:
im writing this because I noticed an item on my EQUIFAX credit report that should NOT be reporting. EQUIFAX has been notified by the original creditor to stop reporting this account and yet EQUIFAX is stlll reporting this account. in addition to that reporting this account is a violation of 15 US CODE 1681s-2 because this account is a charge off with a XXXX balance which is considered " cancelled debt '' and according to the IRS which states : " In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt ''. And according to the FCRA It is not permitted for any credit reporting agency to report income on a consumer credit report. It also states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Here is the inaccurate account in question : XXXX BANK / XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

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The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX performed a XXXX  test ordered by my doctor and submitted an insurance claim that did not contain the correct diagnosis codes ( these codes were provided by the doctor but quest failed to use them properly ). On attempt to resolve this, XXXX  refused to allow me to speak with a billiing representative and insisted that the claim was filed correctly ( XXXX XXXX XXXX XXXX XXXX XXXX  I can confirm they were not acting in good faith here ), and refused to correct or alter their claim. Knowing what the particular service is " worth '' ( based on public infomation provided by XXXX ), I made a payment to the collections agency with a " Final Settlement '' notation, knowing that I had paid over XXXX the reasonable value of the service ( though not the 1200 % charge amount they were attempting to collect ). They also refused outright to negotiate by even XXXX XXXX, when the representatives know very well that an insurance company would not ever consider paying over {$250.00} for a test valued under {$20.00}. This practice exists blatantly to take advantage of consumers and extort as much money out of them as possible. 

As most courts have historically upheld personal checks as binding contracts, the endorsement of the check marked Final Settlement by the collection agency represents a legal agreement by the debt collector as acceptance of the check amount ( XXXX ) as full and final settlement of the oustanding debt. There is no place for them to endorse ( aka, agree to the terms of ) a check and simply ignore SOME of the terms but not others indicatred on the front of the check. 

I have communicated repeatedly with XXXX XXXX and CCS ( the debt collector, " Credit Collection Services '' ) but neither corporation had any interest in resolving this matter with any sort of respect or understanding for the consumer/patient, nor were they in any way willing to admit that they are, in effect, price gouging and taking advantage of patients at their most vulnerable times, not even willing to provide any administrative relief ( ie., modifying an insurance claim to provide additional information that was initially omitted from the claim ), nevermind financial. 

All information/addresses/telephone numbers can be found on attached documents for XXXX XXXX and Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I submitted a request to Chase Auto to investigate the accuracy of information being reported to XXXX, XXXX and XXXX XXXX Credit Reporting agencies. Chase replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. Chase has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the XXXX Reports are inconsistent with XXXX and XXXX Please review the attached documentation and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit 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:
XXXX I was ripped off by a " XXXX XXXX XXXX XXXX  the item I ordered was not what I had ordered. It was a bait n switch tactic - I returned the item to the merchant had to send it internationally. I have submitted all the documentation to PayPal Mastercard for the claim. PayPal keeps telling me that they have not received the documents that I have faxed to them twice. The fee is still on my account and they are ruling in the the merchants favor.

My issue is that the item has been returned to the merchant and I should not be liable for the charge as I do not have the merchandise. It has been returned and the Merchant is a fraud all online reviews are showing that it is a scam from XXXX.

Company response to consumer: In progress
Consumer complaint received 2022-04-18
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:
In XX/XX/XXXX, Experian gave my credit report to XXXX XXXX XXXX XXXX who did not have permissible permission. For 5 years, I have repeatedly requested the copy of the permissible permission used by XXXX and Experian. This led to a loan that I did not sign nor have possession of the vehicle. XXXX and Experian sent the attached undated and incomplete application as proof of permissible permission that was even completed after my credit report was pulled. I constantly requested the valid permission used by Experian who just passes the buck to XXXX and who then constantly replies - " At your request to conduct a reinvestigation, we contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/XXXX for review. ''

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 2022-03-10
Company: JPMORGAN CHASE & CO.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
The only way to get my money out of XXXX XXXX Account in excess of $ XXXXmo is to wire transfer it to another institution with a fee of {$25.00}. I attempted to transfer {$50.00} ; XXXX from XXXX XXXX to my Chase Bank Private Client checking account so I could set up a new investment account with them. The transfer was to take place XX/XX/2022. I spoke to XXXX Wire Transfer department who said everything looks good and the transfer went through. On XX/XX/2022 I notice that there was a {$49000.00} deposit into XXXX XXXX account with a {$15.00} fee. I asked XXXX what was that about and they said Chase rejected the transfer and kept {$50.00} of my money. XXXX refunded {$15.00} for the inbound transfer fee since I wasnt the one who requested it. I called Chase and they said theyve never received a wire transfer for that amount this year and did not charge me a {$50.00} fee. I called XXXX back and they said it was Chase that kept the {$50.00} and gave me a Federal transaction number for Chase to look it up. I called Chase on XX/XX/2022 and gave them the transaction number and they said they needed 48 hours to investigate it. I called them back XX/XX/2022 and they said the reason it got rejected was it didnt have my name, just my checking account number so they took {$50.00} and sent the rest back to XXXX XXXX I asked for proof of this transaction and charge in writing and they said they were unable to provide that. I find this highly unethical. I searched everywhere I could look online for Chase rules on wire transfers and fees and never found any of what Ive witnessed, therefore, to me, this feels like Ive been robbed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is XXXX XXXX and I am submitting this complaint with the help of the Consumer Financial Protection Bureau to dispute the erroneous account reporting on my Credit File. I was told to pay the balance of the account : XXXX XXXX XXXXXXXX with an account number : XXXX to have this account settled. However, I was baffled to see this account reporting as a negative account upon receiving a copy of my updated Credit Report. The Company promised me to have this account removed if I paid it, and I did so. This account was already paid, giving no rights to be reporting on my Credit File. In accordance with the Fair Credit Reporting Act, I am requesting that this accounts be completely removed from my Credit File.

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 2022-04-18
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:
XXXX XXXX XXXX XXXX XXXX  DATE OPEN XX/XX/XXXX Charged off XX/XX/XXXX Balance XXXX Original balance XXXX Terms 82 months Responsibility - individual In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 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 2023-07-11
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: Account information incorrect

Complaint:
I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to request your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} I would appreciate your assistance in addressing this account that is still being reported on my credit file with a XXXX balance. I want to bring to your attention that this account have already been paid off in full. Therefore, I kindly request that you conduct an investigation and consider removing this account, as it seems to be having a negative impact on my credit score. Furthermore, I would be grateful if you could provide me with a detailed report outlining the measures taken to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX  XXXX Balance : {$2200.00} This account has already been paid off, as I was informed that it would be removed once the full payment was made. The balance reported for this account is evidently incorrect and misleading. I would greatly appreciate it if you could promptly provide clarification regarding the reason for this inconsistency. The balance seems to be clearly inaccurate, and I kindly request that you rectify the issue by either setting it to XXXX or considering the removal of the item from my record. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain 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 non-monetary relief
Consumer complaint received 2023-06-12
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:
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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-09-09
Company: LEXISNEXIS
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
So the problem started XXXX I purchased a XXXX  from a dealership. 
It had a very foggy windshield and it had gotten a couple of cracks a couple of days after, I was seeing if it was covered on insurance but they wanted XXXX. The dealership did it for free!! So now I have this on my record as a claim making my insurance rates out the roof!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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 am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2021-04-28
Company: EQUIFAX, INC.
State: NY
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XXXX I attempted to withdraw {$1000.00} from Direct Express card to deposit {$500.00} in Comerica account. I was advised unprofessionally by XXXX XXXX who stated she was the bank manager & consistently refused to give me the name of who she reported to. I kept asking & insisting & she finally gave me a name. She said I could not use the indoor banking service, which is always poorly handled having to wait extended periods of time always, because the spelling of my name didn't match. I advised her to check my records upon opening the account & she said it was incorrectly done. I showed her my records from last month from this location, XXXX XXXX XXXX, XXXX, TX without a problem mentioned. She said she decided not to mention anything out of courteousy but I needed to change the " government issued '' spelling to match my other cards. I told her my Texas Driver 's license was a state issued ID but my government issued social security card matched my social security ID information. She insisted that was not sufficient for her & I would not be allowed to handle my banking business except for going outside & drive to the ATM machine. I told her I needed {$1000.00} & she said it could be done at the ATM. The maximum at the ATM was {$800.00} which she didn't specify. I made a second attempt for the {$200.00} & did receive it then. On Sunday, XXXX I went to the location in XXXX to deposit {$250.00}. I withdrew {$500.00} from the ATM using the direct express card & attempted upwards of 5 times, using the same cash from the ATM just received to deposit using the Comerica debit card. The error message stated the cash could not be accepted. My immediate thought was XXXX XXXX had a flag placed on my account to not receive my deposits or transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to send another letter to each of them, demanding they delete the inquiries that I did not authorize. This occurred again on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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