BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called equifax because when i pulled my report up on equifax.com the only things i see is one address that belong to an authorized your and the one account from the authorized users account, but I am not seeing the rest of my report. I was in the middle of getting my car loan and already had my pre approval so when my bank went to submit my loan my whole credit profile ie erased other then the one authorized user account and their address. I ask them is there anyway they could delete my online account so I can see if that would reset my profile so way and the XXXX operator XXXX XXXXXXXX XXXX stated she could not close the whole account out so I can create a new one. This has messed me up from getting my car loan today and now this has effected me from being able to make it to work. I need for my credit profile to show all my information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from closing precedes 8 days ago. I noticed the the receipt said availability on XXXX. I called the bank and I was told they needed to review the deposit for 24 hours. I do not have any money. I sold my house and all I have is my car. I called several times and explained this. I have also gone to the bank to provide proof of funds by showing the closing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 this item has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) 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 INQUIRY-XXXX INQUIRY DATE XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Received a letter today, XX/XX/XXXX that was dated XX/XX/XXXX that said they want to work with me to avoid foreclosure. Also received on XX/XX/XXXX that was dated XX/XX/XXXX stating they wanted a payment for the full amount I owe.

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 2023-03-17
Company: EQUIFAX, INC.
State: PA
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:
I've reached out to the company for over a year to correct inaccuracies. I also provided proof and it was over looked I had to call in month after month to have them resubmit it still to be ignored although I provided the poof. They had no information from the company that proved it was right. Also they did not followed FCRA laws as far as late payments are concerned. Also this is for XXXX and Equifax. Equifax also sent an invalid credit score to lender. I have a copy of what the company was sent. And also a copy of what Equifax gave me on a paid membership daily. Which was totally different and affected my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm not able to see my Equifax Credit Report online anywhere I've tried to contact them multiple times but still, nothing was done over the past 3 months. I'm trying to get a house loan but no one has pulled my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These 3 agencies XXXX, XXXX and Transunion are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts 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 explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Secured loan Secured loan Bureau Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/2018 XX/XX/2018 Balance : {$0.00} {$0.00} No. of Months ( terms ) : 24 24 High Credit : {$1500.00} {$1500.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/2018 XX/XX/2018 Comments : - Closed or paid account/zero balance Secured Date Last Active : XX/XX/2018 XX/XX/2018 Date of Last Payment : XX/XX/2018 XX/XX/2018 Late Payment Status : Was 30 days late 2 time ( s ). 
Was 30 days late 2 time ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is a separate complaint from a separate company. As a complaint against a separate company, it should not be closed out. 

This firm represents the claimant. XXXX reported the account delinquent but subsequently processed a letter stating otherwise. While the CFPB submitted the complaint to XXXX and XXXX, Equifax ( a separate company entirely ), has not removed the error. Has refused. 

Request is made that the CFPB initiate an investigation as to why Equifax has not cleared the showing of late payment in XX/XX/2022 on XXXX XXXX XXXX XXXX XXXX ) credit report. 

Documentation is attached proving the lifting of the issue. 

XXXX XXXX, XXXX. 
XXXX XXXX of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: TN
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 to the Fair Credit Reporting Act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Violated my rights. 

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

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} 2. XXXX XXXX  XXXX {$560.00} 3. XXXX XXXX XXXX  {$120.00} 4. XXXX XXXX XXXX {$180.00} 5. XXXX XXXX XXXX {$2000.00} Inquiries 1.XXXXXXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Albert Corporation
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2023, I contacted Albert App ( who uses XXXXXXXX XXXX ) to try to withdraw funds I had forgotten about ( so the account hadn't been used in quite some time ). I updated all my information, such as address, phone number, and even added a new bank account since the one that was in there already had been closed for several years. After verifying the new bank account ( via small test deposits ), I attempted to transfer the money out but it wouldn't complete the process. I contacted them to resolve the issue, and they proceeded to constantly demand account statements ( for verification purposes ) for the account that no longer exists. I tried explaining to them that since the account has been closed for more than 5 years, the statements they were requesting no longer exist. Per their terms and conditions, they will accept other documents ( such as a utility bill or an affidavit ), but they refuse to honor those terms and they continue to withhold access to my funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have a XXXX XXXX account and was heavily encouraged to use the Zelle feature on their online mobile app. I have spoken to several representatives who assured me throughout the pandemic that it was a safe and effective way to complete transactions. in XXXXXXXX XXXX XXXX I made a plant purchase deposit of XXXXXXXX XXXX and In XXXX I made two payments of XXXX XXXXXXXXusing Zelle on my XXXX XXXX XXXX app as I have normally do. I was supposed to receive the shipment XXXX. when I didn't receive it I called my bank by the XXXX of XXXX to explain the situation. they put a claim in for this and told me I would receive a correspondence on how to proceed. I did not receive correspondence so I called again XX/XX/XXXX. they closed my claim without even telling me why. no correspondence. I filed a new case which they did the same thing. finally in XX/XX/XXXX I call again, XXXX XXXX file another claim. XX/XX/XXXX I called to see what progress was made, I was transfered to more than 6 representatives before one representative said the reason XXXX XXXX kept closing the case is because they are a separate entity from Zelle and I need to speak to a Zelle customer service representative. the Zelle representative said that they as a company contract with all major banks to allow the banks customers use the product for free, but at what cost? I was shocked and confused because I was told so many times that Zelle part of XXXX XXXX banking system. not separate. the marketing of Zelle as one in the same with banks on the app is gross and unfair. they did not disclose that they are not fdic insured on the online app. it says " Send and receive money securely- all you need is an email address or mobile number. '' I feel robbed, cheated and blindsided. I was not made aware that this was not secure and not protected by insurance. if they had made this clear I will have used different means to complete my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has sent an account to collections to be collected by IC Systems for a debt that is over XXXX XXXX XXXX and is not owed by me. I have disputed the validity of the debt for years and they keep reporting it as a collection on my credit bureau

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am formallysubmitting this CFPB complaint to report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX DP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : $ XXXXDP OF EDUC XXXX Balance : {$8100.00} XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX, MO 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 2023-07-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase Bank has refused to provide me with temporary credit as I had disputed a few transactions. Specifically, the transaction in the amount of {$64.00} from " union '' was disputed because the merchant said a refund would be made within 10 days. It has been over 10 days since I received notice of the event cancellation, and I had shared these details with Chase Bank. Chase Bank refuses to accept any documentation or other evidence from their customers, and only accepts documents through fax. I do not have a fax machine, and I do not have a vehicle for transportation. They do this on purpose to minimize their obligations to adhere to federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX 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 explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 2023-04-07
Company: EQUIFAX, INC.
State: MD
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, the following companies below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act, 15 USC 1681 : 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 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 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, and XXXX XXXX XXXX XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA, XXXX XX/XX/2023 Experian Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Dispute of Inaccurate and Incomplete Accounts on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute the accuracy and completeness of certain accounts that are currently being reported on my Experian credit report. The accounts in question, along with their respective account numbers, are as follows : 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 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 XXXXXXXX ( In Collection Status ) I believe that the information being reported on these accounts is in violation of the Fair Credit Reporting Act ( FCRA ) due to its incompleteness and inaccuracy. Specifically, the discrepancies I am disputing include incorrect balance amounts, payment history inaccuracies, and a lack of proper validation of the debts.

Under the FCRA, it is essential that the information on my credit report is both accurate and complete. The inaccuracies and omissions regarding these accounts are detrimental to my creditworthiness and financial standing. As such, I am formally requesting that Experian investigate and rectify these issues by removing the disputed accounts from my credit report immediately.

I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's office if these inaccuracies and omissions are not promptly addressed. Please consider this letter as a formal dispute under the FCRA and initiate an investigation into the disputed accounts immediately. In addition, I request that you provide me with written confirmation of the actions taken within the timeframe required by law.

You may contact me at XXXX or via email at XXXX to discuss this matter further. All correspondence related to this dispute should be sent to the address provided above.I look forward to a swift resolution of this matter and the removal of the inaccuracies from my Experian credit report! 
Sincerely, 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