BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding the incorrect items on my credit report it has been over thirty days and I haven't received my investigation results.

On these accounts are the following companies : XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, ( XXXX XXXX XXXX  ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Below is the companies, dates, and bureaus these unauthorized inquires are appearing on! I have reached out for MONTHS now to have these removed and they were only removed on equifax. Please remove these inquires off of ALL remaining bureaus! My information was also impacted by the equifax data branch and may have got into the wrong hands so I take my report very seriously. 

XXXX/XXXX  XXXX XXXX XXXX  Auto Dealers, New XX/XX/2020 XXXX  XXXX XXXX XXXX Auto Financing XX/XX/2020 XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/2020 XXXX  XXXX XXXX XXXX Auto Financing XX/XX/2020 XXXX  XXXX XXXX Auto Dealers, Used XX/XX/2020 XXXX  XXXX XXXX Auto Financing XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX Auto Financing XX/XX/2020 XXXX  XXXX XXXX Bank XX/XX/2020 XXXX  XXXX XXXX/XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX Finance/Personal XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX  Auto Dealers, New XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I do not owe this debt. 
I communicated this numerous times to all parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XX/XX/XXXX XXXX and an unknown account with no viability or descriptions ; XXXX California # XXXX. 

XXXX California is not verifiable, valid or an actual account. I never owed the state or city {$88.00} and I have no outstanding debt and never have before. What is this? Remove it please. 

So, basically the dates are not right for XX/XX/XXXX and I would like the bureau to delete the account completely considering the delinquencies are actually from XXXX but for some reason were not reported until XXXX. Delinquencies were not from XXXX. The card was already closed in XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ). 

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Credit Karma, LLC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, Typically I use the company XXXX in order to file my taxes each year. XXXX has always been very easy to use, and logs my data which makes life a lot easier, except for this year. 

As a new feature, XXXX offers a service in which you choose to open a checking account with the company Credit Karma and deposit your refund into said account, you essentially don't have to pay any fees.

My tax return finally came in, and Credit Karma was supposed to send me a debit card to access the funds. Either they never sent said card, or it was lost in the mail. 

This shouldn't be an issue, because they offer a transfer service via the platform " plaid '' on their website, however, when I go to transfer funds, plaid recognizes my bank, logs me in to my bank account, then says my account doesn't exist. I have verified both the routing number and account number through my bank ( XXXX XXXX XXXX in Colorado if that matters ) Because of this issue, I contacted Credit Karma 's customer service. It quickly became apparent that they outsource all of their calls to a third party company that has no clue how to operate Credit Karma 's system, yet alone maintain a basic grasp on the English language. Not only was the representative absolutely inattentive to my issues, I literally had to repeat what the issue was over and over and over. 

After a long and painful conversation that ultimately produced zero results, I asked to have a new card sent and to be expedited. They sent a new card ( supposedly, I haven't seen it yet ) but denied my request to expedite even though it was their fault I never received a debit card in the first place. 

I have reached out to my bank, and was informed that all Credit Karma has to do is issue a wire transfer into my account, yet instead of doing the right thing, they have proceeded to harass me with " follow up '' emails asking me to rate the quality of service, and when I reply that they haven't even resolved the issue, I get snapped back to the beginning of a spiral of repeating my issue over and over, asking for a solution, and then getting told the exact same thing over and over, instead of any resolution to my issue. 

What was sold to me as being a " quick and painless '' process has become exactly the opposite. I just want to access my tax refund. 

NEVER USE CREDIT KARMA FOR ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the immediate update or correction of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is not nice someone's been using my credit I have documents to court and I'm trying to get the things off my credit removed I think someone is the same name as me what has been using my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: U.S. BANCORP
State: OR
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 have a credit card with US Bank that had an {$8500.00} credit limit. Minus one payment that was made 30 days past due, the rest were all made before that time frame. My fianc lost her job in XXXX of last year and it was difficult to keep up with the over $ 300 monthly payments. I was still making them however, with a few being between 5-15 days past the due date. Had spoken to someone at the bank branch several months ago and was told as long as the payments were made by a certain time there would be no issue. Two weeks ago I paid off almost the entire balance, {$8000.00} out of {$8700.00}. Today when I checked my account I saw they had decreased the credit limit from {$8500.00} to {$1800.00}. Without warning, and with no explanation over the phone. I contacted them a second time and they stated it was because of those payments that were 5-15 days past the due date that they decreased the limit by that much. What they also did however was ruin my credit because by decreasing the credit limit by that much it now looks like the credit card is almost maxed out which will hurt my credit score instead of improving it like it would have been with having paid the majority of the balance off. My fianc called US Bank today, XX/XX/23, and despite telling them I had spoken to the branch several months ago, and that we had just paid a very large sum of money onto it at the beginning of XXXX, they refused to increase the limit at all. They told my fianc we would have to make on time payments for at least 6 months before theyll approve any increase. We had very specific plans of using some of the available credit to fund our wedding next week and we will no longer be able to do that. We had family members flying out for that. US Bank needs to make this right. I would understand decreasing the credit limit even by half, but a {$6700.00} decrease is a huge amount for payments that werent even 30 days late and had already been previously discussed with the branch.

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 2023-05-13
Company: EQUIFAX, INC.
State: IN
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:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXXXXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXX XXXXXXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021, I initiated an online wire transfer from XXXX to a Chase account holder for the amount of {$16000.00}. This was after a successful initial transfer a month prior. 

The intended beneficiary contacted me 2 days later concerned that the funds hadnt been deposited. After careful review, I accidentally missed a digit in the entering the account number. I immediately filed an amendment with XXXX and corrected the account beneficiary details. After a week of no progress, I reached out and the message from Chase was they requested additional account info on the intended beneficiary. After clarifying details on the current amendment case, another week of radio silence goes by. 

The next interbank communication announced that Chase acknowledged all the amendment information but confirmed a MISMATCH in their books. ( I have email confirmation from the intended beneficiary ) To add, they have already DEPOSITED the funds to an unintended account beneficiary per initial transfer ( Matching account number but mismatching names, etc ) and by process have conducted a debit authorization by mail to the unintended recipient. This is the current standstill situation with no further communication or progress. I reached out to Chase directly and even visited a branch but encountered pushbacks stating their branches have no ties to their wire transfer departments. I am looking to consult legal counsel if this extends beyond XXXX as my intended recipient is furiously agitated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data preach and may nave gotten into the hands of the wrong person.

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 2023-01-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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:
Equifax is reporting inaccurate information for account XXXX XXXX XXXX. I do not think an investigation was done because the creditor informed me that Equifax has not reached out for any information. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA- all data furnished should be accurate. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 16811 e b maximum possible accuracy if this account is not removed from my credit report immediately.

Company response to consumer: Closed with explanation