BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: EQUIFAX, 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:
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Charge off still reporting ongoing payment history and balance, Date of Last Activity inaccurate, Date Opened has XXXX different dates ( inaccurate ). Date of last payment is inaccurate. Remove from my credit report. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Charge off still reporting ongoing payment history and balance, Date of Last Activity inaccurate, Date Opened has XXXX different dates ( inaccurate ). Date of last payment is inaccurate. Remove from my credit report. 



XXXX. Account Name : XXXX Account # XXXX Dispute Reason : Payment history is inaccurate with other reporting agencies XXXX, XXXX, XXXX and XXXX. Date of last payment has XXXX different dates. update payment history as paid as agreed never late ( PAANL 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
According to the FDCPA I am excercising my right as a consumer! You have violated me on multiple levels including defamation of character, invasion of privacy, grand theft auto, harassmemt and soliciting private information for financial gain! I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. Please see attached documentation for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Chase my bank has a policy of even when I have a negative balance pays charges that may come through because they were set up on auto payment and are way to easy to forget about. With every company putting these monthly subscription plans in place for everything and having a different account and password keeping track is so hard and time consuming. Well my point is that I have requested from Chase so many times that if there is no money in the account or if it is negative or overdrawn then don't approve the charges but they do not give that option no matter how many times I have requested it. It was always bank policies that if no many in account checks are not paid.

This month Chase has approved charges when my account balance is negatives for 6 times ( XXXX $ XXXX {$200.00} for overdraft fees added to the amount of the charge ) and there is nothing I can do because Chase Bank has no reason to stop doing this since it makes them so much money. I have called and sent messages to Chase. This happened to several people I know also.

Chase does this as a way to charge more and more fees and if I could I would close my bank account because it's not fair and should be banned business policy. Clearly my bank account is not working in my favor as a benefit. Chase even says that they can decide which charges to pay and that tells me that they know the balance in the account and they choose to approve the charge so they can charge fees. The check policy never allowed for a check to be approve if a negative balance on accounts. Credit card charges are not approved if over account limit. Those are common sense bank policies and I agree with. The fact that all of these transactions are electronic and processed by computers doesnt require Extra processing of each charge. 
If there is anything you or your office can do to force big banks to stop this business money grab then I beg you to do anything. This is a coordinated policy from banks that routinely have caused financial problems that force people to suffer because everyone has no choices since we need to use the banks. 
If you or your office has any questions on this please feel free to ask me. I know this is hurting people who already don't have enough money. 

Thank you for anything you can do and have done in these difficult times. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01
Company: CITIBANK, N.A.
State: CA
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:
Account is not reporting correct XXXX data breach Thank You Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number 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 2023-05-17
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Balance {$410.00} Opening Date : XXXX XXXX XXXX XXXX XXXX {$650.00} XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX XXXX. 
15 U.S.C, 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Consumer Adjustment Company Incorporated
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have spoken to someone from XXXX XXXX XXXX in the past & told them that the account was not mine, I did not apply for a loan, the information they had on me was not mine. I asked them several times to remove it. I did not find out they referred the account to an collection agency until I applied for a housing loan & was denied due to the collection agency Consumer Adjustment Company being on my credit report. I had no knowledge of this collection agency or any contact information to call/email them. I filed a XXXX compliant on Consumer Adjustment Company , INC. collection agency. I received a response from them within 2 days. CACi told me they reached out to the credit reporting agency back on XX/XX/2021 that the account was closed in their office & remove the account from my credit report. They agreed to send a second notification to the credit reporting agency to remove account from my credit report. With that being said I would like to file a compliant on XXXX XXXX XXXX, Consumer Adjustment Company , INCXXXX & the credit reporting agency. I lost money applying for a housing loan & being denied due to this negative account on my credit report. I have to start the whole process over again. This is not fair. Something should be done about these companies causing problems like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: NY
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:
Account name : XXXX XXXX Account # XXXX. 
Account name : XXXX XXXX XXXX XXXX. Account # XXXX. 
Account Name : XXXX XXXX. Account # XXXX According to : 15 U.S.C 1861 section 602 A. States : i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it is also consumer reporting agency can not insrtuctions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any cons item of information. Any other adverse item of information, other than recordsof conviction more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer person knows or has reasonsable cause to believe that the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I was paid a very good amount by my new employer on XX/XX/2022. My new employer is also helping me monetarily so I can get back on my feet after not working for over a year taking care of my XXXX XXXX XXXX XXXX XXXX veteran grandfather. My deposited check was first approved and my bank gives {$220.00} right away so I will have some money available for a couple days before they deposit the entire amount. I have never had an issue with this before. This time, after the notification of my approved deposit, they sent a different notification saying that it will be held for over 5 days to " protect me from fraud '' and the weekend days involved. I contacted them to find out exactly why this is even a situation because I have never deposited a fraudulent check and I have also deposited amounts larger than the current with no issues before. I was told that the check is being held by the Federal Reserve to verify that the funds would be available from the company writing the check. I was also told that one of the reasons this situation has risen is because they had experienced questionable checks from the same source before and it had absolutely nothing to do with my previous actions. After researching these claims I found out that it was a total lie from the representative I spoke with. I called the Federal Reserve and verified that they were not the one holding my check at all. I also spoke with the General Manager at my new employment and verified that there has never been fraudulent checks written from the business and another new employee was able to cash their check at their own bank with no issues at all. I called my bank again and spoke with a supervisor and only told that it will be requested to be re-reviewed and possibly cleared a couple days earlier than the 5 day to 7 day time frame I was originally notified of. The supervisor did not verify anything, the first representative I spoke with, was true. He also did not say that I was the main reason for the hold. I was given no proper explanation at all. I am complaining because this is a situation that is completely unacceptable behavior from a financial institution that has never experienced fraudulent activity from a customer before. Things like this should not be allowed to happen to people that are trying to back on their feet with help from others understanding the person 's current situation. Completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XX/XX/2023, XXXX purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the Better Business Bureau ; I found out these accounts were sold to XXXX. XXXX first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from XXXX stated, " XXXX  XXXX XXXX Account # XXXX ; Education XXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the XXXX loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX  that the XXXX accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/2023 the XXXX discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/XXXX Experian sent me a response to a previous dispute, report # XXXX, stating they investigating the following accounts as accurate. However, Experian failed to report the notice of dispute within 30 days violating FCRA 623. I then sent Experian a letter asking for the Method of Verification on XX/XX/XXXX and they have failed to provide their method of verification. Experian still choose to report these inaccurate accounts and have failed to perform a proper investigation even though they said they did but have no proof. Please see attached documents.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been going back and forth with all three consumer reporting agency 's Transunion XXXX and XXXX regarding several accounts that are reporting inaccurate on my personal consumer report and as of todays date no action as been taken from either of them. 

XXXX original amount {$2500.00} current {$3000.00} Date : XX/XX/XXXXXXXX XXXX XXXX original amount {$750.00} current {$990.00} Date XXXX XXXX XXXX XXXX XXXX amount {$81000.00} was paid off not written off as a charge off account. 

XXXX XXXX XXXX XXXX amount {$1400.00} date : XX/XX/XXXX collection on behalf XXXX XXXX XXXX XXXX XXXX XXXX, Never heard of anyone of these company never had an account with them either. 

Several inquires appeared on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: IN
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried numerous times to make modification, we have proven that our current situation is better, we have told then that we Received {$10000.00} a XXXX at this time and we have provided evidence to, but they never given a correct resolution. 
we need our house, last Application we did on XX/XX/XXXX. 
they asked for all the documentation and i proved it to them, but received a letter dated XX/XX/XXXX in which they requested the information that had already been provided and we send an Email with the evidence, XX/XX/XXXX i get another letter asking for the same information they been requesting in XX/XX/XXXX on the Same day XX/XX/XXXX I recceive another letter saying that my loss mitigation application will not be evaluated because i failed to submit my complete loss mitigation application also said the foreclosure sale is XX/XX/XXXX I demand that they show all the evidence that i provide, well i have all the evidence including all calls and emails. i demand a solution or it will be time to sue this company also i demand a review of the cocuments i provide the them, for my loan modification. 
i demand a modification for my house and document Review i provide to them all the documentation and at the last minute they say they are not going to review anything, I thing this company just wants to steal our property

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Chime Financial Inc
State: IN
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:
Yesterday XX/XX/XXXX my Chime bank card somehow sent XXXX $ to a woman I don't know and I didn't send it and I called chime to report it and they did an investigation and said they won't give me my money back and that's theft!!!!! I'm a mother of XXXX and a teacher, so I can't lose XXXX $ so I need help getting my money now!!!! IM BEYOND XXXX and if they don't give me my money back I'll sue!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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