BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

I sent another letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However, again the credit bureaus said they completed the investigation and everything was 100 % accurate. 

Which is incorrect. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to? 

How did they complete this investigation? 

I sent another letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here is my tracking XXXX. 
I have requested the method of verification but I still haven't received a response. 

I even resent that letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here is my tracking XXXX. 
I once again requested the bureaus provide me with the methods of verification but once again I received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello - XX/XX/XXXX - At the advice of my tax advisor I prepaid my XXXX real estate taxes due to XXXX XXXX for my property located at XXXX XXXX XXXX XXXX, XXXX, MN XXXX / PARCEL ID XXXX. TRACKING # XXXX XX/XX/XXXX - XXXX XXXX deducted {$2800.00} out of my XXXX XXXX account for the payment of the XXXX real estate taxes. 

XX/XX/XXXX - I spoke with Ditech Financial ( XXXX ) customer service to inform them that the XXXX property taxes were paid in full and inquired as to the procedure for requesting an escrow analysis and subsequent refund as my escrow account is significantly over funded. Much more then one-sixth ( 1/6 ) of  the estimated total annual disbursements from the escrow account. Customer rep at Ditech provided a fax number of XXXX to send a request for analysis. 

XX/XX/XXXX - Drafted and faxed letter to Ditech along with my supporting documentation. Fax confirmation came thru and is attached in the PDF. 

XX/XX/XXXX - Receive letter from Ditech via US Postal Service dated XX/XX/XXXX denying request for escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
XXXX XX/XX/2018 File # XXXX Wells Fargo I gave XXXX  copy of application that Wells Fargo gave me. The application had a different middle initial than mine. XXXX  have been given proof that the account is not mine and still will not take it of.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2021-03-28
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
SUBJECT : Experian 's BLOCKING THE ACCESS TO INDIVIDUAL CREDIT REPORTS For the past few days, Experian is BLOCKING the ACCESS TO 1 ) MY INDIVIDUAL CREDIT REPORT ( S ) at FREE ANNUAL CREDIT REPORT.COM, OR 2 ) OR THROUGH A FREE 7 DAY TRIAL WITH {$24.00} CREDIT CARD DEPOSIT, OR 3 ) AT XXXX  3 AT 1 CREDIT REPORTS/PAYED SERVICE/S. 

I allege that EXPERIAN is willfully blocking the my credit report in order to hold a FALSE AND FRAUD, LOWER CREDIT SCORE of XXXX ( today, XX/XX/2021 my Experian Cr. score was XXXX XXXX, comparing to XXXX or XXXX ( my cr. score is XXXX, XX/XX/2021 ). 

THIS MUST BE FIXED IMMEDIATELY, and credit scores must not have such huge XXXX scores difference. This is damaging for my financial state and opportunities.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I disputed the accounts with lenders as fraudulent and they were closed, I request them to be deleted from my credit report for accuracy reporting.

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 2023-05-10
Company: EQUIFAX, INC.
State: MD
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 please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 I had water damage to my home XXXX one year ago ). Chase holds the mortgage. The insurance company has paid out to repair the damage, but Chase refuses to release funds. I've now paid for much of my contractor, flooring, countertops, etc and Chase refuses to release funds. I'm approximately {$40000.00} out of pocket while Chase holds approximately {$150000.00} of my insurance money in escrow. 

I've uploaded every document they've asked for, many of the documents multiple times. Sometimes, like on XX/XX/XXXX, I was told a check was coming for {$75000.00}. Then an hour later someone called from Chase and said they needed one more thing XXXX a signed contractor agreement because they couldn't read the signature ). I instantly uploaded what they asked for. Today, I called them and the first person said they would be paying as they had everything they needed, but we got disconnected when I wanted to ask about timing. I called back, waited on hold, and the new person told me they needed that same document but now with two signatures. 

This same process has happened again and again, where they say money is coming XXXX and it doesn't ) and I call back and they say they need one more thing. On more than one occasion, they haven't accepted a document and I resend the exact same document which then they accept. 

I've asked at least 5 times to talk to a manager or have a supervisor call me, which they always say the manger is too busy or I'll get a call back in 24 hours, but I never get the call. I believe Chase is intentionally holding my money as long as possible and this has nothing to do with the repair process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an auto loan with XXXX and after 4 months I refinanced my car and transferred my auto loan to XXXX XXXX XXXX. XXXX XXXX XXXX paid off the entire loan with XXXX. However, the XXXX loan keeps appearing in my credit score. I am applying for a rental and this information is jeopardizing my approval, because it seems I have two auto loans when indeed I have only one.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

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 2023-04-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got on some game thing on my phone. I thought they gave me {$10.00} into my account but they took {$10.00} from me without any authorization. PayPal said it was all good everything 's good to go it's not I didn't authorize the XXXX dollars to be taken out of my account PayPal should be held liable for this. They did a review and they said there's nothing unauthorized it's unauthorized if I said it wasn't supposed to come out of my pay pal account. It was a company fraudulently taking money from me and the company 's name is XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-18
Company: Total Card, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a vm from total visa stating i was behind on payments. After logging in to my account i found out i was behind. Total visa failed to provide me with a bill or any statement since febuary 2019. When i called to ask why i didnt receive a statement by mail or email. I was informed my account was suspended. When i asked why they said bc my mail was returned. So i asked why they didnt contact me and i wasnt given an adequate response. My next question was if my account is suspended how am i being charged an annual fee? Response : thats just how it works youre suppose to keep up with your own bills. Ok ... why wasnt i informed by mail, email, or call. I cant pay a bill youre not sending me statements for. So on top of the annual fee i was charged a late fee and interest on that late fee. I payed the annual fee but told them i should not be responsible for any other fees occurred bc of their failure to provide me with a statement or bill. I was told it would be sent for review to have charges removed. Never heard anything from them. Im still racking up interest on the remaining balance and they refuse to help. Ive since requested my account to be closed bc i made the payment and its not closed. The is unacceptable business practice. Ive only used this card once and every payment has been on time, except when they decided to not inform me of charges occurred. After speaking with them i still have yet to receive anything by mail. My address is the same it never changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-01-28
Company: Experian Information Solutions Inc.
State: VA
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:
An a late property tax for the leased car was sent to the XXXX XXXX XXXX ( XXXX ), before I was even notified of the tax bill. XXXX has turned over the account to collections. I informed them this bill was mistake because I had returned the car a year earlier, and contacted XXXX County, VA - to update the vehicles record and cancel the tax bill, which they. However the account still shows as in collection with a balance for {$510.00} due on the Experian report. 

I contacted XXXX XXXX XXXX regarding the incorrect information which only appears on Experian report and not others. They said I needed to contact Experian. I tried to open a dispute with Experian but it rejected it because I had previously disputed it but the information was never fixed. Experian is not letting me dispute again and the Creditor acknowledges there is no balance due, but will not contact Experian themselves to fix it.

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 2023-08-12
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 am not liable for this debt with XXXX, XXXX, XXXX XXXX. I do not have a contract with any of these companies, and they not provide me with the original contract as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: KY
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 non-monetary relief
Consumer complaint received 2019-10-18
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a repeat visit to my dentist as a result of an error made by their staff. At that time, XX/XX/19, I was told by the dentist that there was " no charge ''. Approximately 4 months later I received a bill for {$49.00} for that visit. I attempted to dispute multiple times and I have disputed with debt collector. The most recent debt collector JJ Marshall & Assosciates is now attempting to collect {$85.00} rather than the original {$49.00} billed amount. I was told there was no charge, then was billed {$49.00}, now I am being charged {$85.00}. This is not a valid debt.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2019-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am writing to express my displeasure as to the manner in which Bank of America has handled my dispute regarding an erroneous charge of {$1000.00}, that has been posted to my account. I have provided very clear, documented proof to BOA on multiple occasions that the charge was invalid and should be reversed. At no point has any evidence of such alleged purchase been forthcoming, other than its appearance on my statement. Dispute actions have resulted in unable to approve your fraud claim. On several occasions during the intervening months Bank of America has exercised our right to recover the debt by withdrawing [ funds ] ( various amounts ) from my attached checking account. Each time I communicated with BOA about this, I was told to pay nothing while it was in process, and that it would be resolved. To date, I have only non-resolution, constant run-around, removal of funds, and countless wasted hours on this matter. I should also point out that I have visited my branch of BOA several times and at the last visit, the Branch Manager said she was shocked at the manner in which my claim has been handled. I ask the CFPB to help to resolve this matter. I did not make or authorize this charge. BOA refuses to provide any underlying information regarding the transaction as they say I am not entitled to see it. I dont think senior citizens should get this type of runaround treatment and I ask the CFPB to have the charge reversed, all interest and fees reversed and my funds restored. Thank you!

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 2023-12-04
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: Reporting company used your report improperly

Complaint:
I XXXX XXXX Noticed Multiple Fruad account and a few inquiries on all three of my current credit reports.

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