BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
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:
A fraudulent account was opened in my name through XXXX on XX/XX/XXXX. My credit file was locked through Experian and I was not notified by Experian of an inquiry on my credit or a new account. At this time there were charges to my debit card through XXXX to XXXX. This was the first I had heard of XXXX. I disputed the charges with XXXX and they were able to credit my account for the fraudulent charges ( XX/XX/XXXX ). On XX/XX/XXXX I got another charge from XXXX and I instructed my bank to put a stop payment on anything associated with XXXX XXXX. Around this time I opened a new bank account because I was frustrated with all the fraud I had been dealing with on my XXXX  account. Through this new bank account I got a membership through XXXX On XX/XX/XXXX I received an alert from XXXXt that XXXX was reporting a new account in my name through XXXX ( this was the first I heard there was a fraudulent account opened in my name ). I disputed the account through XXXX and they still have not gotten in contact with me regarding the results ( current date is XX/XX/XXXX ). On XX/XX/XXXX I got another alert for the same XXXX account through Experian. I have a monthly subscription to Experian and always have my credit file locked so at this point I was confused and disappointed that the account was able to be opened in the first place and that Experian had never reached out to notify me. I then submitted a dispute through Experian. The results of the dispute ( I received on XX/XX/XXXX ) were that all information was correct and it would be left as is. I tried calling the phone number for Experian but as per usual it was impossible to speak to a representative and their menu navigation options were not applicable to my situation. I then reached out directly to XXXX XX/XX/XXXX and they were able to resolve the issue on a 30 minute phone call. I received a letter from XXXX stating the account was in fact opened fraudulently and everything would be taken care of. Im very disappointed that Experian let the account open ( since my credit file was locked ), Experian did not notify me of an inquiry or new account and Experian was not able to resolve the issue. Experian has also been very difficult to work with. Its almost impossible to speak with a representative and their automated call system is confusing.

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 2023-07-10
Company: EQUIFAX, INC.
State: TX
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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my loan every month, until they increased my payment due to my escrow, they have paid a hazard ins, flood insurance and taxes then they placed lender placed hazard insurance, It has caused an increase in my monthly payment of a XXXX dollars, they will not tell me who they made hazard payment to, if they did then why did they place lender placed insurance. I have one insurance company that is mine called XXXX XXXX, this mistake in my escrow is causing me to be in default, Nobody at Shellpoint will help to resolve or even investigate to resolve this issue please please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Someone is stealing my identity and opening accounts in my name without my knowledge or authorization. I received a letter from XXXX XXXX stating that I applied for credit with them. I did not apply for credit with them. Someone did so without my knowledge and authorization. The letter states that I have account delinquencies, public record and/or collection accounts, that I have too many accounts ( I only have XXXX credit cards and XXXX auto loan ), that my delinquencies are recent, and that the proportion of balances on my credit limits are too high. 

I have never been late on any of my accounts, I have never been delinquent on any payments. I have no public record or judgments and I have never filed bankruptcy. I have no accounts in collection. I only have XXXX credit cards, and XXXX auto loan. I have no delinquencies so I have no recent delinquencies. I keep my credit card balances low. My credit report has numerous errors and unauthorized accounts. 

I suspect that familly, particularly my daughter and/or her new husband are involved in the 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 non-monetary relief
Consumer complaint received 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had five IRA CD accounts with Capital One. They had decent interest which evaporated in a year. 

Recently, they decided to simply drop handling IRAs. They informed me that in XXXX sometime they would transfer it to XXXX. They consolidated the accounts into one except for a CD that had not yet matured so I have two accounts STILL with Capital One. 

After some research, I decided to shift the entire amount to XXXX. Today, they informed me that Capital One said they aren't handling it and I needed to provide the XXXX  account information -- which of course I do not HAVE because Capital One is still holding MY money to apparently do with as THEY wish, not as I have directed. I spoke with them today, XX/XX/2022 and was informed, as evidenced by logging in to my account, that the funds are still held by Capital One. 

This is quite simply fraud. Can you help me? 
Thank you for your attention. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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:
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 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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a contract with XXXX XXXX XXXX. It never stated I couldnt break the contract due to a permanent change of station. I lived in the home for XXXX years ( XXXX XXXX, but was forced to relocate by the XXXX to Texas. I informed XXXX and tried to cancel. I would stay on the phone for hours before being hung up on. I tried reaching out through text messages as well. Instead they kept charging me and said I owed {$700.00} which I couldnt afford at the time due to military movement. They recently reported it to the credit bureau affecting my credit score. I went from high XXXX to low XXXX when I have always paid everything on time. Please assist.

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 2023-10-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On or about XX/XX/XXXX I met with a Chase bank officer, XXXX XXXX, in their branch at XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX to open a new checking account. The account was to be joint in both my name and my wife with me signing on her behalf as attorney-in-fact. I brought along the POA which XXXX XXXX scanned into their system and said had to be reviewed by their appropriate department before proceeding, therefore I must return to complete the account opening. After maybe 2 weeks of not hearing from XXXX XXXX I called her office and she said they would not allow me to open a joint account with my wife as her attorney-in-fact. I asked for further detail as to what paragraph of the CT statutes this decision was based on and some days later I learned from her that the applicable department would not respond to her with any additional information. 
The decision of JPMorgan Chase Bank to refuse to honor the authority conferred via our POA is in violation of Connecticut statutes, which states financial institutions are specifically mandated to accept a POA, and it cost us a {$600.00} bonus that was offered by Chase at the time for account opening with a specified balance. There is no exclusion in the Connecticut statutes for a representative to enter into joint agreements with the grantor under the representatives authority nor does it specify additional wording is required in the power of attorney document to cover such a situation. 
In this process Chase also violated Connecticut statutes specified in SB190 effective XX/XX/XXXXXXXX  that states : a financial institution must accept a POA when it is presented for acceptance, regardless of whether or not the institution asks for a certification, translation, or attorney opinion. Under the bill, a financial institution may still ask for additional documents, but it can not refuse a POA or delay its acceptance without such documents. 
The difficulties with financial institutions with regard to POAs has long been recognized and has prompted revisions to state of Connecticut general statutes such as 1-350R/S back on XX/XX/XXXXXXXX  : Under the old law, many people were frustrated that they had planned ahead only to have a bank disregard the POA for various reasons ''. Firm enforcement with severe penalties need to be levied in order to stop the abuse of people with representatives assisting them. Your assistance is requested in bringing enforcement actions against JPMorgan Chase Bank for so blatantly disregarding laws with impunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2022 I sent a certified letter requesting more information about the account including a document signed by me agreeing to open the account that is dated. They never responded and they still have the account wrongfully listed on my credit 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 explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 purchased a used car and received a loan in XXXX XXXX XXXX from XXXX XXXX. After doing some research I realized that this company is a loan shark and has totally taken advantage of me. They charged me exuberant fees for a car that was practically useless. It broke down and fee 's were never explained to me properly. Either way. this company is refusing to acknowledge the fact that I'm challenging information on my credit report with them. They even keep returning the mail that I have sent to them! I am using the address that is listed on the credit report. I've also explained this to the 3 major credit bureaus. XXXX did do the right thing and removed this from my credit report.However, XXXX and Transunion are still reporting this account and all of the derogatoriness. 

There are so many inconsistencies with this account. Nothing makes sense and they refuse to send me the information so that I can even see if what they did or are doing is legal! 

For example, Transunion shows the balance on this account as {$21000.00} and XXXX shows the balance as XXXX. Now how can this be? It's only one or the other. I dont ' even know what they sold the car for or applied to my account. I have no idea when the car was even sold at auction, or if it even was?

I don't know what else to do in this situation. Please help!

I'm attaching screenshots of my credit report, as well as letters that I've sent to them that have been returned!

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 2023-03-04
Company: EQUIFAX, INC.
State: LA
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:
Please see attached identity theft report detailing that I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any reason

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 2022-05-17
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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$300.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX  XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX  XXXX XXXX, TX 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 2022-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$24.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: IL
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have called consistently and opened claims because they would charge my card for things I didnt approve and would make me account overdraft for no reason and causing fees that werent valid. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX is just some instances of claims Ive made. Ive had to replace my card 2 times but every time its been charged and overdrafted by Wells Fargo.

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 2023-01-01
Company: EQUIFAX, 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:
Account name : # XXXX, Account name : # XXXX has violated my rights. The account is not mine I am not an authorized user. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: FL
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:
The 3 major bureaus held my information and incorrectly and improperly used my information causing me to be denied employment and housing. 
XXXX XXXX _ XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Date of BirthXXXX XXXX XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, This is my 3rd and final request!!!!! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I did not give permission to any of XXXX XXXX  to release my information if I was to have an open account with them. You are in violation of the FCRA. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX Account number XXXX Amount {$17.00} XXXX XXXX XXXX XXXX Account number XXXX Amount {$1100.00} XXXX XXXX XXXX Account number XXXX Amount {$300.00} INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also please update the following information which I saw your credit bureau to be missing or incomplete : Please remove this incorrect employment information XXXX XXXX XXXX XXXX REMOVE INCORRECT PERSONAL INFORMATION Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following personal information that is showing for me which is incorrect Incorrect Address * XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I am allowing you 10 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results If not I will be seeking legal advice and filing a complaint with the FCC and CFPB.

Company response to consumer: Closed with explanation