BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to you as a concerned individual regarding several inquiries that have appeared on my credit report without my authorization. I kindly request that you take immediate action to remove the following unauthorized inquiries from my credit report within four business days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I request that you thoroughly review my credit report and remove any inquiries that are not attached to active accounts. It is essential to maintain the accuracy and integrity of my credit history by removing irrelevant inquiries that may affect my creditworthiness unfairly.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report, including inquiries that are not associated with active accounts. I have enclosed copies of my credit report highlighting the aforementioned unauthorized inquiries for your reference and convenience. I trust that you will thoroughly investigate this matter and take the necessary steps to rectify the situation promptly. 

Furthermore, please provide me with a written confirmation of the removal of both the unauthorized inquiries and the inquiries not attached to active accounts from my credit report. This confirmation should be sent to the address mentioned above or emailed to the provided email address within ten business days of receiving this letter. 

Thank you for your immediate attention to this matter. I have faith in your commitment to upholding fair credit reporting practices and trust that you will address this issue in a timely and efficient manner. Your cooperation and prompt response will be greatly appreciated. 

Should you require any additional information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. I look forward to a swift resolution of this matter. 

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 explanation
Consumer complaint received 2021-05-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with HSBC and I refinanced with the bank in XXXX, but I never received my form 1098 for my old mortgage from the bank. The deadline to file XXXX taxes is XX/XX/XXXX and I contacted the bank multiple times to ask for a copy of form 1098 since XX/XX/XXXX. HSBC didn't care about my request and was not willing to expedite it. Even though HSBC kept telling me that they already sent me the form, but I don't believe it is true, because I have been waiting for the form for more than 14 days since XX/XX/XXXX. The bank was uncooperative and not transparent throughout the whole process. I am not able to file my taxes on time due to the missing form 1098.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Gordon, Aylworth & Tami, P.C.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
So basically, they sent my information to third parties who were never authorized or allowed to have my financial information, and I had never worked for. 

I do owe the debt, but the contesting means is due to how they went about business, as well as the fact they went to a court without any notification at all and just showed up with a garnishment. 

And now their lawfirm XXXX XXXX, and XXXX XXXX. has the case, for which they deliberately refused to accept payment over the phone even when I had the entire balance in whole at the time. 

Refusing to take payment over the phone, and the online credit card system that they have would not accept my cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX incorrectly reported late payments when auto pay was set up but the system failed to make payments. 

Contacted Equifax, XXXX, XXXX through disputes and the negative reporting was not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts an address, and inquiries listed on my credit report that do not belong to me. Please remove them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: DC
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 received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: GOLDMAN SACHS BANK USA
State: FL
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:
On the date of XX/XX/XXXX I reached out to Goldman Sachs Bank to extend my credit for my apple card and was discriminated then immediately denied. This is a consumer credit transaction and I'm federally protected by law. I believe this financial institution has committed fraud on behalf of my rights to privacy. Pursuant to XXXX XXXX XXXX ( XXXX ) its unlawful for any creditor to discriminate any consumer doing a credit transaction. Under Truth in lending act pursuant to XXXX usc XXXX ( XXXX ) I have open end credit where me extending my credit to goldman sachs should be never ending and no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: NAVY FEDERAL CREDIT UNION
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023 Navy Federal Credit Union XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, VA XXXX Subject : Billing Error and Missing Remittance Coupon for Cash Rewards Credit Card - Account Number : XXXX Dear Navy Federal Credit Union Billing Error Department/CFO , I am writing to address a billing error and a missing remittance coupon regarding my Cash Rewards Credit Card account with Navy Federal Credit Union . I am reaching out in accordance with the provisions of the Uniform Commercial Code ( UCC ) Section 3-603 and UCC Section 3-311, which govern negotiable instruments and are relevant to this situation. 

On XX/XX/2023, I received a billing statement indicating a charge of {$3500.00} on my Cash Rewards Credit Card account with account number XXXX. However, according to my records, this charge has already been paid in full on XX/XX/2023, through a negotiable instrument, specifically a check payable on demand by the bearer. 

As per UCC Section 3-603, a person who has already paid an instrument in good faith and for value has the right to the discharge of the instrument. Therefore, I kindly request that you update my account records immediately to reflect that the aforementioned charge has been satisfied and the instrument has been discharged. 

Additionally, I have noticed that the remittance coupon associated with the aforementioned negotiable instrument has not been returned to me. According to UCC Section 3-311, the remittance coupon is an essential part of the instrument, and its loss or non-return should not affect the underlying obligation. Therefore, I kindly request that you locate the missing remittance coupon and provide it to me as soon as possible. 

I urge you to handle this matter promptly and in compliance with the UCC provisions mentioned above. I kindly request that all future communications regarding this matter be sent to me via mail. Please provide a written response to the address mentioned above. 

Thank you for your immediate attention to these concerns. I expect a timely response and a satisfactory resolution to rectify the billing error, discharge the instrument, and provide the missing remittance coupon in accordance with the applicable UCC provisions. Your cooperation in this matter is greatly appreciated. 

Yours sincerely, XXXX XXXX XXXX, XXXX XXXX Agent Without recourse Enclosure : A second remittance coupon Sent certified mail XXXX delivered XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: DC
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/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: SC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
BOA OWES ME {$430.00}, since XXXX XXXX. Don't understand why BOA would accept an incoming credit on a closed inactive account from XXXX INSTEAD OF REJECTING IT. I have reached out to the bank several times having to keep explaining my story over & over and no resolve or check. which I've told them several times and updated my address with them since. I'm tired of getting the run around about my money & can't even hardly afford gas & buy groceries. This freaking bank don't care about people. 

The sent a check back on XX/XX/2022 to the wrong address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
in accordance with the fair Credit Reporting act. The list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX has 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 imformation any other adverse item of imformation, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation 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 2023-11-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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

Company response to consumer: In progress
Consumer complaint received 2023-06-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2022 I XXXX XXXX went into Wells Fargo bank located on XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX and cash my check. On XX/XX/2022 I XXXX XXXX went back to the bank to pick up the money then they said alert came up and they had to verify the check. XXXX XXXX the small business banker was on the phone with them then he came back and ask if I had a twin brother and I said no then he went back into where the phone was and was talking. After that I called the fraud department and after I kept calling they said I cant call anymore because supposedly I didnt open the account. In XXXX they said the account was closed and I still havent received my money from my check. The amount was {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Starting on or around XX/XX/XXXX thru XX/XX/XXXX there was over XXXX in total withdrawn from my checking account. Long story short it was taken virtually through the cloud. I dont use this account much and such a large amount taken and put into a credit union and then was taken from the credit union and put into a trading company " XXXX  ''. for future trading. There should have been a red flag to the bank that something was not right. Fortunately with the persistence of my husband and us both being on the phone for 7 days straight putting out fires we found where the money was and contacted Chase Bank. On top of this my husbands identity had now been compromised and over 15 attempts at new credit card applications were in the works.. Every day for 2 weeks we had to call various lenders and companies to let them know this was not us. Chase bank was so laid back about this problem and this caused me to have to close all of my other bank accounts { ie XXXX XXXX and XXXX XXXX XXXX bank accounts } and start from scratch with setting up bill payment etc. i am still encountering bounced payments and credit card companies not being paid as my bill pay account had been suspended for so long. This is an issue that will not go away in a few weeks. Chase bank has been so irresponsible in this matter, i would like to be compensated in some way. They then closed all my accounts without any notice and sent a check for all my accounts via a ups mailer that sat on my hallway floor and could have very easily been stolen. Were they ever going to tell me they sent a check? I am livid and i want justice for my husband and I. I had an account with chase for over 20 years. I guess customer loyalty doesnt mean a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have asked them multiple times to remove all these alerts on my credit file I am trying to buy a house This is my second attempt to get these alerts removed. I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you'll have any type of block on it thank you. 
Sincerely,

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 2023-02-24
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX I have two accounts with Santander bank and one I use to pay daily transactions XXXX, the other XXXX is where I have more money.The problem is that XXXX account reflects transfers that never reached the other account XXXX and this reflects exorbitant amounts for the level of monthly spending. the money disappeared almost daily transfers of XXXX, XXXX, XXXX impossible these expenses. I don't how this been going

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