BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: Experian Information Solutions 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:
My name is XXXX XXXX and I am extremely upset with XXXX, XXXX and Experian. I filed a police report on XX/XX/XXXX. I have sent in certified mail and fax. And XXXX, XXXX and Experian continue to report fraudulent accounts and inquires to my report. I decided to get a lawyer and pursue legal actions against all XXXX credit bureaus. this has to stop! My lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX PA XXXX ) He notice several instances where XXXX, XXXX and Experian are in non-compliance with the FCRA. 

The fraudulent accounts and inquiries are as followed : EXPERIAN XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries- XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX inquiries members XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX XXXX XXXX XXXX at Experian Experian XXXX Email : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX   XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.

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 2023-02-02
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT and UPDATE all information which can not be verified. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: TX
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/XXXX I sent this letter to the Feds : Hello : I need your help with my very small business banking. On XX/XX/20 I paid a {$30.00} fee to Chase Bank to keep any more payments going to the credit card ending in XXXX which belonged to a former employee. The employee did not have authorized access to the account. Only I do. I closed the account and opened a new Chase acct after the breach. 

On XX/XX/20 the former employee accessed the account online and removed {$5000.00}. It was not authorized by me and I reported it to Chase. I have not yet been reimbursed. Twice Chase has said they would pay it in 5 days. One of the excuses was that they tried to reimburse it to the closed acct. That was over two weeks ago. 
My Chase branch is XXXX XXXX XXXX, XXXX, NJ. 

Can you help me? 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX 3 days later Chase restored the funds. On XX/XX/XXXX they once again removed the funds. No explanation. It means i can't make payroll. Please help me! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: Store credit 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 on return receipt : Macy 's XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - Order # XXXX. 

On XX/XX/XXXX I returned a purchased item to a Macy 's store. The receipt says to " allow XXXX business days for the shipment and processing. '' XXXX business days from XX/XX/XXXX is XX/XX/XXXX. 

I called on XX/XX/XXXX to inquire about the refund. I spoke with XXXX ( sp? ) and was told that the tracking slip said the returned item delivered on XX/XX/XXXX so I should see the refund within a week. I also asked about interest accrual and was ensured that the interest would be credited along with the purchase price of {$56.00}. 

It's now XX/XX/XXXX and I still have no refund. I tried calling the credit card service line twice today. Once, the automated message said that they can't access their records right now and to call back later. I called back and got through the automation to hold for a representative. After holding for XXXX minutes it dropped my call.

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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance to Fair Credit Reporting Act XXXX XXXX  Account # XXXX Has Violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy, 15 U.S.C 1681 section 604 A Section 2 : also States a consumer reporting agency can not furnish a account without my written instructions.

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 2019-03-21
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We are in the XXXX of Florida that was recently hit by Hurricane Michael. After the storm hit we received insurance checks to begin repairs on our home only to find out that XXXX XXXX XXXX had sold our Mortgage to a place called Flagstar. We had it set up to defer payments for 3 months and it would go toward the end of the principal of our mortgage. XXXX XXXX XXXX did not transfer this information over to Flagstar who is stating they will not honor the 3 month deferment and are trying to make us pay double house payments for the next 3 months. We finally were able to have them send us loss mitigation paperwork and have had to send it multiple times as they have lost it, added things that they needed etc. Here we are over 5 months later and we still have yet to begin work on our home all the while Flagstar holds our insurance money. We have submitted a request for the only work done which was a fence to be put up and we had to send that 5 times to them. I finally found out today they have just cut a check when the fence work has been completed. We have also sent over to release fund to begin putting on a roof and this has been the second time in which we have had to do this and they say now they have added things they need and I let them know it is not on their checklist and they acknowledged that I was correct. As we sit in a mess of debris and what is left of our home we have worked so hard to obtain with our son our frustrations are growing. Flagstar is collecting interest on the money that is for our repairs and we can't hardly even get the money. I can only imagine what it is going to be like when they begin tearing out ceilings, flooring and walls. This has been the most upsetting thing I have ever had to face and this company is truly a joke.

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 2023-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 someone accessed my Wells Fargo online account and completed several cash advances and online transfers to my Wells Fargo Business Account. Shortly after that person made XXXX wire transfers from my Wells Fargo Business Account to a XXXX XXXX  XXXX account in the name of XXXX XXXX for the amounts of {$10000.00} and {$8500.00}. None of these transactions were approved nor do I know a XXXX XXXX. I noticed this fraud within 1-2 hours of the transactions and reached out to Wells Fargo while the transaction was still pending hoping to stop the transfer of funds and to file a fraud report. The next day ( XX/XX/2023 ) I went into a Wells Fargo branch to see if there was any further action needed but they verified that a fraud report was submitted and that it was under review, at this time the transaction was still pending. On XX/XX/2023 I received a letter stating that my fraud report was denied. At that point all transactions had been posted on my account. After that I filed a police report and spoke with a Wells Fargo investigator. Since then no action has been taken by Wells Fargo to correct my fraud issue.

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 2023-07-06
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX XXXX Account number XXXX - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I previously tried to close a savings and checking account, and withdrew the funds. A few months later I received a notice stating a savings account has been overdrawn despite no account activity ( did not even know that was possible to overdraw a savings account ), the account was closed, and threatening collections and negative credit reporting. I have tried to resolve with Citi directly, who indicated they could waive these charges, but then were unable to because the account was already in collections. Then, the collections team said they couldn't request to waive charges because that is handled by customer service. It appears Citi has designed in abusive process to deter customers from closing accounts under the guise of security ( social security and mailing address and last 4 of account apparently insufficient ) and other requirements, and most recently they were unable to even locate the account in their system. I should not have received these account charges in the first place, all I am seeking is to end my relationship with Citi without cost. Do they even track account activity and have a process to avoid service charges on dormant/closed 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 monetary relief
Consumer complaint received 2023-04-19
Company: Zions Debt Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Zion is a debt collector. They purchased a " debt '' from XXXX. 

XXXX : I signed a XXXX contract with XXXX. Payment of {$33.00} made. Almost immediately, I was not happy with their service. I asked to cancel and I was told that there is a 30 day notification required for cancellation. I confirmed that I would like to cancel. I was told by XXXX customer support that a cancellation packet would be emailed to me. 
XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. 
XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. 
XXXX : Payment of {$33.00} made. Called requesting cancellation packet. It will be emailed to me. 
XXXX : Payment notification email received. I replied in writing that I would like a cancellation packet. 
XXXX : Cancellation contract signed. 

As you can see, I attempted multiple times to cancel this service before successfully doing so. I do not know why I have a reported debt of {$220.00} when XXXX actually reports my account in good standing with a {$0.00} balance on XXXX. 

I guess XXXX recently sold this " debt '' to Zion and now they've filed fraudulent reports with XXXX and XXXX. XXXX does NOT show any negative reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: MN
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:
The following accounts on my Equifax and XXXX credit report was reported as lost/stolen : XXXX XXXX XXXX , {$1100.00} and XXXX XXXX XXXX , {$760.00}. My XXXX XXXX XXXX and XXXX XXXX XXXX credit card was reported as lost/stolen and the balance on my lost/stolen XXXX  XXXX XXXX and XXXX XXXX credit card account is all fraudulent and unauthorized charges/transactions. The debt collection account from XXXX XXXX , XXXX {$360.00} is a fraudulent account and not my debt collection account. The following credit inquiries currently listed on my Equifax credit report is fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX , XX/XX/XXXX, XXXX, XX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have a few accounts on my 3 major reports that i didn't acquire. I also have inquiries I didn't authorize as well. I've tried to have these items removed and still no changes. I'm trying to move to another state and purchase a car and this has greatly impacted my ability to do that based on my credit score.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 checked my credit report and saw an inquiry from a financial institution that I have never used ; and I have never applied for any products. There is a hard inquiry from this on my transunion credit report and they refuse to remove or even properly investigate the issue. 

XX/XX/2023 is when in noticed the inquiry and reached out to transunion.

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 2023-10-04
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 was running an ecommerce business in XXXX  & opened a Chase bank to process my transactions through. 

I ended up processing roughly XXXX  XXXX through my checking account. I was able to transfer some of these funds ( roughly XXXX  XXXX ) but Chase froze my ability to be able to transfer my money out of my checking account in early 2021. 

At the time I didn't mind because I was at least still able to use the funds in the account. Chase then completely froze the money and would not allow me to use the funds for any purpose. 

After 7 months of fighting back and forth with customer service and going in and out of several Chase branches trying to figure out what was going on, I received the same response every week when I called in which was " I can't inform you on what's going on, call back in another week '' I then started researching the chase terms of service under which it says that Chase can only hold funds for 1 year and is then REQUIRED to disburse the funds back to the owner. So I waited the year, and still nothing happened. I received the same response from the Chase branch representatives and customer service.

Although this time, it turns out that Chase DELETED my account. So now my entire checking account and all my money are gone.

It has now been over 2 years, and I still don't have my money. I have now came to the conclusion that Chase will not be disbursing my funds and have pretty much stolen them from me. I am now going to be heavily pursuing this matter to retrieve my money that was stolen from me.

Company response to consumer: Closed with explanation