BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/21 I initiated A transfer from my Wells Fargo account to my XXXX account for the amount of {$900.00}. The money was withdrawn from my Wells Fargo account but never appeared in my XXXX account and still hasnt as of today ( XX/XX/21 ). On XX/XX/21 I filed a claim with Wells Fargo and was told that I would be receiving a credit for the amount of money I was missing if nothing was resolved within 10 business days. I called again within the 10 business days to see if any information had been found and was told that nothing had been resolved, but again I would receive a credit for the amount of money I was missing if nothing was resolved within 10 business days. On the 10th business day, upon not receiving the credit for {$900.00} that I was missing, I called Wells Fargo and was told that I had been misinformed by both representatives I spoke to earlier and that I would not be receiving a credit. I was also told that the only inquiries done by Wells Fargo was an attempted phone call to XXXX on the ninth business day. I received a letter in the mail from Wells Fargo stating that my claim has been closed and I am still out of my {$900.00}, over a month later. Today ( XX/XX/21 ) I called Wells Fargo asking for clarification about the closing of my claim and asked if I was just out of the {$900.00} I attempted to transfer and they instructed me to call XXXX and give them a trace Number. When I called XXXX and explain the situation to them and told them that I had a trace number to give them, the lady was confused and said that its some thing that Wells Fargo should be dealing with since it is essentially a missing payment. Nobody can tell me anything about where my money is and I am still out of {$900.00} over a month later. I have had to take out a loan to be able to afford my rent, bills, and everyday necessities due to not having this money. After this is resolved I would like to close my account with dwells Fargo because this is ridiculous and I am never dealing with something like this again. I have been robbed.

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 2021-04-19
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: Investigation took more than 30 days

Complaint:
I sent a dispute letter to all 3 Credit Bureaus and they did not comply in the 30 day window and the bad information still shows in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: MS
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 2023-01-27
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: MD
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:
All 3 credit reporting agencies will not remove old hard inquiries, as well as recent hard inquiries where I had multiple credit inquiries for a single transaction ( e.g. car purchase ). It is standard business practice for the credit reporting agencies to treat multiple credit inquiries as to the same transaction as only one inquiry. On 2 occasions, have had multiple inquiries ( which I only authorized one ) all counted in my credit score that has since significantly reduced. Equifax, for example, shows 19 hard inquiries. I have now been denied credit on this basis when my credit is otherwise perfect. At least 10 of these inquiries related to single transactions or are older than 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 complaint. There are multiple problems with one account that is being overlooked and mishandled consistently. I disputed the Department of Education XXXX account many times for violations of the FCRA to all three credit bureaus over the past year. Each time, The Department of Education XXXX has continued to inaccurately report Balance information to XXXX XXXX and Transunion. The Reported Balance is {$7200.00} The Highest Balance Reported is {$5400.00}. Stating I have paid off -35 % of the debt. It should be PROPERLY reported as {$7200.00} IF that is my balance. I have been sent MANY different letters of what my real balance is and this company is reporting ANY Amount to my credit report is a violation of my consumer rights. XX/XX/2021 Department of Education XXXX reported an increase in debt of {$1800.00}. Each month that I have EVER made a payment, the balance never decreases because the US Department of Education XXXX does NOT know how to properly report information and be a qualified furnisher of information. The Entire account Being Reported by The Department of Education XXXX is inaccurate and has affect my personal credit report tremendously.

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 2023-05-25
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:
XXXX XXXX Credit Card was opened on XXXX XXXX, not XXXX XXXX, this account is older than years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a text from Chase showing -- -- -- -- - Chase Fraud : Did you attempt a {$1700.00} withdrawal on XX/XX/XXXX with card XXXX? 
replay yes or no. Msg & data rates may apply. 
-- -- -- -- - Then I replied no, Then chase sent a text they will close my account, give them a call. 

So I called chase to report, they are saying because it is pending transaction I have to wait until pending is gone, 2 days later they accepted my claim. 

Today XX/XX/XXXX they refused to credit my money {$1700.00} because my pin number and debit card were used. So I told them I never received card. 
Still their answer is same. 

Then I asked what should I do? file small claim against chase? go to police office? 
They told me I can go to police office to file a claim. 

I will go to police office after my work. 

Before I go to police office, I am asking your help about this situation. 

Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 I contacted XXXX XXXX to make some arrangements on my account i ask the representative was the account closed she stated no and proceeded to tell me that if i made a payment of {$230.00} in XXXX I would be placed in there hardship program so i continued to make payments with the understanding that i was in this program. I was then assured that the account would be updated that i was making payments as agreed and as long as i was in the hardship program i gain any interest on the account as long as i was in the program. then a payment of {$86.00} XXXX and then a payment of {$96.00} in XX/XX/XXXX and the XX/XX/XXXX a payment of XXXX so then i get a copy of my credit report to only find out that they are reporting the account as closed and also They were reporting it as past due. Payments they have gotten since XX/XX/XXXX XXXX, XX/XX/XXXX {$48.00}, XXXX XXXX, XXXX $ XXXX, XXXX XXXX Then i get a letter from XXXX XXXX saying that they were merging XXXX XXXX XXXX XXXX  and i should keep making payments as agreed on this account and i would get a new account number. So i contacted XXXX bank to try and find out what was going on and if the account was still open they said yes it is still openand i let them know that for some reason or another XXXX and them are still reporting this as a closed account and with a past due balance i was told disputing it would be the only way to correct the error with all three credit reporting agencies and once they recieve the dispute they would make the corrections and update the account with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Overview : Chase is my loan servicer, but not my escrow company. Chase chose to pay my property tax bill without contacting my escrow company, who had already paid the bill. Now Chase has overpaid my property tax bill. I contacted Chase as soon as I received the notification of a {$500.00} increase in payment and notified them of their mistake in XXXX. I was assured this would be resolved before XXXX when the increase of {$500.00} per month would be applied to our payment. In mid XXXX nothing had been done and I reached out again. After some digging I found out Chase hadn't done anything to resolve the issue. After my call they finally contacted the county for a refund, but it will not go out now until XX/XX/XXXX. Chase has informed me I may now be expected to pay that increased payment for 3 or more months. 

They offered an odd solution of partial payment that concerns me and as of today my case officer, XXXX, ext XXXX, is no longer answering to even assist with this solution. 

Timeline : XX/XX/XXXX - Chase bank took over servicing our loan. 
XX/XX/XXXX - property tax bill was sent XX/XX/XXXX XXXX XXXX our escrow company pays the balance in full XX/XX/XXXX - Chase bank pays the tax bill as wall XX/XX/XXXX- I am notified my payment will be increased by {$500.00} a month because of this over payment XX/XX/XXXX - I contact Chase of their mistake. 
XX/XX/XXXX - I receive notification from Chase that our county has notified them over the over payment XX/XX/XXXX - XXXX still hasn't been resolved and I contact Chase. 
XX/XX/XXXX - I am told I can do a partial payment but that the payment will not be adjusted to the correct amount. 
XX/XX/XXXX - I contact my county payment department and am told Chase didn't request a refund until the day prior and payments only go out on the XXXX of month. 
XX/XX/XXXX - Multiple calls with Chase no longer account for the agreed to payment. 
XX/XX/XXXX - stopped contacting chase and filed complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt collection notice in the mail from Southwest Credit for a XXXX account with a balance of XXXX After contacting XXXX I discovered that a fraudulent account was opened in my name using my social security number. 
The account was opened XX/XX/2021 and closed XX/XX/2021. 
I have since filed a fraud report with XXXX, frozen my credit and reported a fraud alert with all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The 3 credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 non-monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
EQUIFAX is reporting transactions and experiences on my consumer report which include late payments, Past due amount, Original balance, Monthly payment, Terms, balance, credit limit and monthly payment from the following company : XXXX XXXX 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) transactions or experiences are not to be reported on a consumer report and pursuant to 15 U.S. Code 1666b a payment on a credit card account under an open end consumer credit plan is not to be treated as late for any purpose. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. This company and their inaccurate reporting have damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$1700.00} XX/XX/XXXX Creditor Name XXXX  XXXX XXXX  XXXX Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$2100.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times XX/XX/XXXX Days Late 0/0/0 Remarks Paid collectionXXXX XXXX Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$320.00} XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Education Loan Account Status Closed Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$340.00} Payment Status Collection/Charge-Off Worst Payment Status XXXX XXXX XXXX XXXX, XXXX XXXX loan XXXX XXXX merchant 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'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 filing this complaint for falsely reporting misleading information.There is no 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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 submitting this CFPB complaint in regards to the erroneous account being reported by the Credit Bureau on my Credit Report. I have read that the Credit Reporting Agency is required to validate for themselves the information they report on a consumer 's Credit File under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Upon reviewing my updated Credit report, I immediately noticed that the Account in dispute is still reporting as late on. If the Credit Bureau chose to not comply with the law and does not correct the payment status of the account, I will be forced to initiate legal actions. If it is not that too much trouble, I need the Credit Bureau to correct this account : XXXX XXXX Balance Owed : {$39.00}

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 non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DONT RECOGNIZE THESE INQUIRIES AND THESE ACCOUNTS INQUIRIES XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX Date XXXX XXXX  Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 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