BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: NC
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 to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than XXXX business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that I wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX BXXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX BANK NA XXXX XXXX : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXXr XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
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 information incorrect

Complaint:
The contract states that if a big payment is made it will be applied. You did not do this and breached the contract. U did apply it all as a payment to reduce principal per contract terms but then stole over {$20000.00} and falsely made it look like there were payments made into XXXX. U r in breach. Ur theft of the money does not make those payments an accurate report on my credit file. Your theft and later ur inaccurate credit reporting is just more evidence of your breach and criminal theft. That money needed to be applied as 1 payment to reduce principal and u failed to do that. It is an inaccurate report on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I requested a Mortgage Payoff Statement from Flagstar Bank. 
I was on a telephone call with there customer service representative at the time and the report was emailed to me. I paid the final payoff amount of {$21000.00} from the statement with the representative over the phone via my checking account and was told I was all set. 

At the end of XXXX I started calling asking why I had not received any paperwork regarding my mortgage release as paid in full. I have since spent many days and hours on the phone with Flagstar Bank who has admitted to two internal errors but they never seem to be able to rectify them and tell me to be patient and promise they'll be corrected. 

This has escalated to collections calling me now and my repeated attempts to contact Flagstar Bank by email and phone are ignored. 

My year end statement for tax purposes will be incorrect and they are going to ruin my credit which has essentially been perfect leading up to this. This bank expects the customer to deal with their internal errors! 

Please help! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: JPMORGAN CHASE & CO.
State: SC
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 received two credit card inquiries  from banks ( XXXX XXXX and JP Morgan Chase ) that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
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 information incorrect

Complaint:
You report inaccurate debt information to my credit file. Please stop. Per terms of the contract there was a surplus of escrow funds for a year. The escrow was canceled XX/XX/2022 prior to purchase and XX/XX/2022 after purchase. But u continued to illegally hold escrow money and breach the contract by not refunding that amount to me. U are a thief and criminal. XXXX breached and then published inaccurate info on my credit file like its not illegal. It is illegal. It is in dispute. I beg u to stop reporting fake info on my credit file. The payment per month was NEVER with escrow. Please stop. No escrow payment is {$2100.00} not {$2700.00}. U stole that money from me for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
We had an account opened thru Apple Credit. When opened I thought my husband did it so I used it. Learned later we were being a victim to identity theft. Luckily I caught this card before getting in the hands of anyone. I was making payments thru my AppleID. We learned that our Apple ID was compromised. We had to get new cell phones new ID and New Phone numbers due to the fraud. We are not arguing the usage but we would like to have a paper bill to insure no other charges were made not ours. We reached out to Apple to request paper statements and let them know of the Fraud on XX/XX/2023 when I learned they pinged my credit. I figured by the Apple ID being closed they would send a paper statement. None was ever recieved. I have no access to the old Apple ID do to the compromise nor do I want to open it on any other technology risking those items getting compromised as well.. Upon reaching out to Apple they responded to me with a letter that Apple doesnt support written correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$810.00} ; XXXX XXXX XXXX XXXXBalance XXXX {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XX/XX/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 2023-11-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. XXXX. XXXX XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

FURTHERMORE 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ; ALSO Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions 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:
I MADE A PAYMENT FOR MY LEASE ACCOUNT IN XXXX. THE PAYMENT WAS RETURNED DUE TO MY INSURANCE BEING AUTO DEBITED WHICH I WAS UNAWARE OF. I CONTACTED XXXX BUT THEY HAD ALREADY MARKED MY ACCOUNT AS LATE, AFTER 30 DAYS. I HAVE HAD THIS LEASE ACCOUNT FOR GOING ON 3 YEARS AND HAVE NEVER BEEN LATE BEFORE AND ASKED COULD IT BE REMOVED AS A COURTESY AND WAS TOLD THAT I WOULD HAVE TO FILE A COMPLAINT. I THOUGHT THAT INFORMATION WAS INCORRECT SO I CALLED BACK AND THE LADY ( XXXX ) THAT I SPOKE WITH STATED THAT SHE WOULD PUT IN A REQUEST BUT THAT I ALSO HAD TO FAX OVER A LETTER. I HAVE MADE 3 ATTEMPTS TO GET THIS RESOLVED AND REMOVED AND I AM JUST GOING IN CIRCLES WITH THIS COMPANY. NOBODY EVER CALLS BACK AND OF COURSE NO ONE EVEN KNOWS WHO XXXX IS. THIS HAS BEEN NOTHING SHORT OF A NIGHTMARE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
XX/XX/2023 I signed up for credit protection program with Indigo and Destiny credit card. Credit limit of {$300.00}. In XX/XX/2023 I was unemployed, I applied for the credit protection plan and the company continued to state that I was not within the 30 day consecutive working period to qualify. I did file a complaint with CFPB and I received a response from the company but as of now I do no see it stated as a complaint with CFPB. 

I responded to the company stating and citing that their terms were ambigious. They are saying you have to work 30 consecutive days in order to apply or qualify for the program. I was 22 days out of work and applied they denied my credit protection understandable I applied again in XXXX and XX/XX/2023 I believe still was denied. The compnays terms does not state you have to be EXACTLY out of work 30 consecutive days not one, two, three, etc. days or but exactly 30 then apply. If you are not 30 days exactly out of work they will not honor your credit protection. Meaning if at midnight on the 31st day and you apply they will not honor their credit protection program Which i stated will cause the consumer to be late, their company can and did in my case charge very high late fees totally {$80.00} for one late fee charge and this goes against your credit and credit score and is a tumbling block of financial disaster and the only person gaining in Indigo and Destiny because now you are forced to pay these extra fees to get your credit settled. When in fact ( as I explained in my letter ) they could have accepted your claim on day 30 exactly and honor their program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
No matter how many times I used my card they was charging me additional fees.

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 2021-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Wells Fargo Auto Finance helped my daughter apply for COVID payment relief due to a loss/change of job. Her payment due on XX/XX/XXXX was paid on XX/XX/XXXX, On the XXXX of XXXX she applied for COVID payment relief for three months, while she was looking for a new job. She had not heard from anyone until Wells Fargo started calling requesting payment, which she thought was covered in the COVID relief. In XXXX, my daughter made 2 car payments, one for XXXX that Wells was saying is late because her COVID relief never came through. Once, I found out about this on XX/XX/XXXX, I paid 3 months car payments ahead to give her the relief that the bank was supposed to in the first place. I have completely exhausted my attempts with wells fargo to try and mediate this situation. Called numerous times, there phone system is TERRIBLE. I was hung up on 4 times after being on hold for over 45 minuets. Over many days I continued to call and kept getting escalated to a new supervisor. Finally I was able to open a case ( Case # XXXX XXXX I have been dealing with this for a couple of weeks now. Someone always says they will call me back and never do. They say they need to listen to the recording of the conversation, one person says they see the convo and it needs validated and the other employee says they cant find it. I don't trust the bank or their phone system. My thought that COVID relief is required by banks to help people through their struggles especially a kid. Im a cosigner on this account for her and believe that she has been overlooked and bullied as a big bank will not even giver her the time of day to respond or take her case seriously.

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 2022-07-17
Company: JPMORGAN CHASE & CO.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
This occurred during XXXX XXXX XXXX 

1. I received a 'fake check ' from someone at XXXX. ( didn't know it was a fake check at the time I received ) 2. Deposited the check to my Checking Account ( Chase Bank ) 3. The Bank cleared within one day.

4. Once I saw the amount clear, I sent the portion of the money to the scammer ( without knowing it was a scam ).

5. Once I sent the money to the 3rd party ( scammer ), the original check bounced.

*The original check was valued at {$2900.00}. I sent {$2600.00} to the scammer via XXXX. Thus, I lost the total amount of {$2600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This company is breaking the consumer law with their improper use of my report.

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 2023-01-10
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$5200.00}

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 explanation
Consumer complaint received 2021-01-12
Company: HCFS Healthcare Financial Services of TeamHealth
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 never applied for any medical service. I am a victim of identity theft.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This was in like 2016 and my card kept overdrawing money out my account I had to pay back {$XXXX} when I didnt overdraw money out my account because the more I didnt pay the more fees they kept adding on to my account and nothing was done by them they just closed my whole entire account down and I couldnt use it anymore

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 2021-01-12
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: Problem with personal statement of dispute

Complaint:
I initially sent a Method of Verification letter in XX/XX/2020 requesting for the company XXXX to provide me with a letter detailing how they verified this bankruptcy belong to me. By law XXXX  had 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX  account account # XXXX account name : XXXX XXXX XXXX XXXX account /collection account blance {$760.00} dated XX/XX/XXXX account name : XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} account name : XXXX XXXX XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$760.00} account name : XXXX XXXX XXXX account XXXX dated XX/XX/XXXX blance - last updated - status paid in settlement. {$440.00} written off account name XXXX XXXX account # XXXX dated XX/XX/XXXX blance {$0.00} status closed. {$610.00} written off. 

has violated my rights. 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

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