BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sending this information to you because I found many accounts open under my name this fraudulent accounts are fraudulent accounts.

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 2023-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i am not liable for the debt owed of {$2500.00} to XXXX XXXX XXXX.i did not sign a contract with XXXX XXXX XXXX..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following items should be corrected immediately : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I was shopping on XXXX XXXX for a XXXX XXXX XXXX. I came across an offer at the following link XXXX XXXX XXXXXXXX  XXXX The ad specified the item was nearby and brand new for {$520.00} + XXXX shipping. I reached out and began corresponding with the seller. I submitted an offer via credit card using XXXX XXXX check out. They cancelled the offer and insisted on using XXXX instead. I don't use XXXX to often but it is offered by both of my banking institutions so I agreed. I sent a payment that was requested in the amount of {$450.00}. I asked if this was accurate and they acknowledged. Then I received a text saying I didn't send enough it was {$540.00}. I knew this was more accurate so I sent an additional {$90.00}. Then they responded saying their mom wouldn't allow it sold for that price and it asked if {$100.00} more was ok and I agreed because price was still reasonable. Shortly after they asked if I wanted to pay {$100.00} more for all the accessories they bought with it because they would not have a use for them if they sold the XXXX. They furnished a receipt that included a charger, a remote and a wireless headset. I agreed but insisted this was all I felt comfortable spending and that if it was going to be any more then I wanted a refund. They insisted that was all and they would send me tracking number. Today, XX/XX/2021, I requested the tracking number and they said they needed another {$100.00} to pay for tariff increases. I asked what tariffs there were between California ( which is where the receipt was from ) and Washington? The told me " Trust them, no XXXX I promise. '' I refused to send any more payments till I receive a tracking number or a refund and have since heard nothing. I reported a scam to XXXX XXXX, XXXX and my bank, Chase. I was told by both Chase and XXXX that I sent the payments so there is nothing they could do. I feel that this is an unfortunate answer from both my bank and XXXX seeing that my bank offers it as an option through their banking app. Why would they offer something that they don't help or protect their members from. I rarely if never use XXXX XXXX and hardly use XXXX except to lend my daughter money but now I less inclined to use either and feel that is my bank is not willing to protect me as a member then they shouldn't offer something that allows their members to be so vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: RI
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I ordered some clothing from XXXX ( Comenity Bank ) and returned them when I lost my job from COVID. I never even opened the packaging. They have received everything back and that was confirmed with XXXX, but they are charging me {$78.00} + {$39.00} + XXXX in late fees and also finance charges. I explained to them and have all the correspondence with them whereas I ask them to remove the late charges as I lost my job and can not pay them. The first lady said when we received the last item ( which was backordered - I did tell them not to send to me ) we can go ahead and remove the late fees and finance charges however they are not willing to help me out and I find it crazy to pay late fees for items I retuned as soon as I got them. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: MoneyLion Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I alerted the company ( MONEYLION ) that someone opened an account fraudulently using my information. They acknowledged through their investigation that indeed the account was opened fraudulently. It was initially opened in XXXX and I alerted them. Even after they found out that its fraud they are still reporting it to the credit bureau and its showing me 60days past due. I need them to stop reporting it and remove my information from this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: SC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2020-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got approved for the SBA EIDL LOAN, per SBAs eligibility and qualification requirements I got approved as a XXXX XXXX   XXXX. I went through thorough and complete underwriting process and SBA approved me for the loan, I stated that because I am XXXX XXXX and do not have a business account, they stated that it is ok. and they also disburse funds into personal checking accounts for people who are XXXX XXXX and they have no problem. Chase on the other hand froze my account and is requiring me to have an EIN number, when legally I do not have to have an EIN number, and all I do is file a schedule C. They have no right to request such documentation from me when I am working as a XXXX XXXX individual and they are not the ones that are issuing me the loan. SBA is funding and determines qualification and eligibility. I have spoke to countless attorneys, and they all stated that Chase either must reject the funds back to SBA if they are not accepting in a personal checking account, or must release the funds back to me. They have no right to hold my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX has confirmed that the account on their records is the result of identity theft and fraud. Unfortunately, our experience with ChexSystems and XXXX XXXX XXXX has been nothing short of frustrating and disappointing. These agencies have been belligerent with our private and personal information and have refused to properly investigate and remove the fraudulent item from our records. 

Despite multiple attempts to reach out to ChexSystems and XXXX XXXX XXXX they have not provided us with a satisfactory response or conducted a proper investigation. This leaves us with no choice but to demand the removal of the fraudulent account from our profile. 

The actions of ChexSystems and XXXX XXXX XXXX are in direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, as specified in USC Title 15, Chapter 41 and 12 CFR Part 1022, respectively. These laws require that credit reporting agencies conduct a reasonable investigation of disputed information and promptly correct any errors or inaccuracies found. 

Furthermore, the failure of these agencies to comply with these laws not only puts consumers at risk of identity theft and fraud but also causes them significant harm and financial loss, which is a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as specified in USC Title 15, Chapter 41, Subchapter II and 12 CFR Part 1005, respectively. 

As such, we demand that ChexSystems and XXXX XXXX XXXX not only remove the fraudulent account from our profile but also provide compensation for the emotional distress and financial hardship caused by their negligence. We call upon these agencies to take immediate action to rectify the situation and comply with all legal requirements. We will not stop until our consumer rights are upheld, justice is served, and we are fully compensated for the harm caused by their actions.

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 2021-07-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been sending two payment monthly to my mortgage loan servicer ; one for the monthly payment amount and one for an additional principle payment. In each of the past three months of XXXX, XXXX and XXXX the additional principle payment was processed and posted as if it were a regular monthly payment. I have called each of those months and pointed out the error and asked for them to note my file so that the error would not happen again. In both XXXX and XXXX the error was corrected and I was assured that it would not happen again. I called yesterday and was told that it was my fault and that I should pay online if I wanted the payments applied correctly. This is directly opposite of what I was told previously. When I asked for a supervisor I was parked on hold and never retrieved. My Calls were made on XX/XX/XXXX and XX/XX/XXXX and those payments were reversed, then correctly posted. I should not have to call every month to push PennyMac to apply the payments properly. I have never had this issue with any other lender and it appears that they do not have any intentions to correctly post my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i have asked this back year to have my addresses removed from my credit report as they are no longer an address that the XXXX Mail can send anything to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There is a fraudulent inquiry on my credit reports, thats reporting on XXXX and TransUnion from XXXX XXXX. Theres a Fraudulent collection account reporting on my TransUnion as well called 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 2021-07-29
Company: Informative Research
State: DE
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:
- Informative Research pulled my credit on XX/XX/XXXX which is fraud. 
I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX pulled my credit on XX/XX/XXXX & XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

- XXXX XXXX XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

XXXX XXXX pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response. 

-XXXX XXXX/XXXX  pulled my credit on XX/XX/XXXX which is fraud. I never apply for anything with this company. I reached out to the company to resolve this matter and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a letter via certified mail to XXXX on XX/XX/2018. Tracking number XXXX. It shows it was delivered on XX/XX/2018 and signed for. Transunion tracking number XXXX XXXX tracking number XXXX I sent the letter stating negative accounts were not mine, never opened by me. I sent proof of this. I also sent proof that I never inquired on multiple accounts listed as credit inquiries. I never received any information in return and these items are still listed as mine on my credit report. 

Accounts fraudulently opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX I also have over 12 inquiries I did not make. I sent proof of this as well. 

The student loans listed as negative were forgiven and I also sent proof of this. The XXXX XXXX was paid off in full. 

All of this information was sent over a year ago via certified mailed. It is my right and the law that this be resolved. This is having a negative impact on my life and I have taken any and all steps to resolve.

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: 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Equifax, XXXX and XXXX requesting that they correct this mistaken account being stated on my XXXX XXXX because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on Decemebr XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate Equifax, XXXX and XXXX for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I, XXXX XXXX, went in to the Wells Fargo XXXX, VA branch on XX/XX/XXXX and brought the necessary documents to file a small estate affidavit for my dather- XXXX XXXX XXXX His address was XXXX XXXX XXXX in XXXX, VA XXXX. His was a veteran. I am his only heir. His birthdate was XXXX. I had called WF priorto going in... but was not told i needeed a appt. ( I already, as his sole heir, sent in the death certificate to WF and others ) I ended up being there approximately 5 hours. I filed a fraud for transactions made on his acct after he was dead ..after being asked. I provided my birth certificate, license, death certificate, social ..my dad 's XXXX... everything. I was told a decision would've made in two weeks ..given a claim number and a phone number. I called and was told after about an hour of transfers they couldn't talk to me. Call back tomorrow and get the acct number. I asked why they had not sent a letter, email or called themselves ..and do they need more info. Just call back. So I did. Again ..the run around. I am asked for all the info... acct... birthdate ..my info... etc ... to each transfer. Then put on hold forever by XXXX ..who says they need more info. So I tell them to call me or what is it. They can't talk on phone. I have to make appt with the branch. So I call the same gentleman who filled out the info ..to see about what they need as not to extend it longer. And makes an appt for 5 days out for me to come in. Fir what? I guess to drag things along? This is approx {$6500.00}. I have XXXX XXXXXXXX and am sick. I don't want to go back in for five hours for who knows what???? With my young kids. I can struggle walk ... drive... am in pain and can't take my meds if I go in... yet again. I'm XXXX. My dad would be disgusted. He was found XXXX XX/XX/XXXX. The bank provided me a print out of the transactions after his death.

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 2023-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records recorded. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items needs to be removed : XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation