BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit was ran multiple times without consent,

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 2024-01-09
Company: The CMI Group, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone has used my information to obtain a utility in my name, in a state in which I do not reside. The utility company is XXXX XXXX. Delinquent amount is {$2200.00}, obtained XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: MI
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 complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX Balance : {$800.00} ; XXXX XXXXXXXX XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, My student loan servicer is MOHELA and I reached XXXX qualifying payments at a qualifying employer in XX/XX/XXXX for Public Service Loan Forgiveness. I submitted my PSLF Certification and Application to MOHELA on XX/XX/XXXX and the form was signed and dated by me and my employer representative on XX/XX/XXXX. When I checked on the status of the form on the MOHELA website, the status shows " Duplicate Form '' and " A duplicate application was processed as Canceled. '' The form I submitted on XX/XX/XXXX is not a duplicate form. The last time I submitted a PSLF Certification and Application to MOHELA was on XX/XX/XXXX and that prior form was signed and dated by me and my employer representative on XX/XX/XXXX. The XX/XX/XXXX is a new form that MOHELA has not processed. MOHELA needs to process the XX/XX/XXXX form so that my XXXX qualifying payments are counted and I am able to get my loans forgiveness through XXXX. The form is absolutely not a duplicate form and was incorrectly cancelled. 

I am attaching my XX/XX/XXXX form and XX/XX/XXXX form as attachments. They are not duplicate forms, and cover different time periods of employment for the same employer ( XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: NY
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:
EQUIFAX Confirmation # XXXX ACCOUNT # XXXX DISPUTED account aslo was never in collections, please remove collections. 

The credit law that addresses the verification of accounts and requires documentation falls under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. This section of the FCRA deals with the procedures in case of disputed accuracy. Here are the key aspects of this law : Consumer 's Dispute : If a consumer disputes the accuracy of any information in their credit report, the consumer reporting agency ( CRA ) must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Verification of Information : During the reinvestigation, the CRA must review and consider all relevant information submitted by the consumer concerning the dispute. 

Documentation Requirement : The CRA must verify the accuracy of the information by checking with the original creditor or other reliable sources. This means the CRA may need to request documentation or other forms of evidence from the creditor that originally provided the information. 

Results of XXXX : If, after the reinvestigation, an item is found to be inaccurate or can not be verified, the CRA must promptly delete that information from the consumer 's credit file. 

I am writing to file a formal complaint regarding inaccuracies in my credit report, which I believe constitute a violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681, Sections 602 A and 604 A ( 2 ).

As stipulated in 15 U.S.C. 1681, Section 602 A, I have the right to privacy in the handling of my credit information. Additionally, under Section 604 A ( 2 ) of the same code, a consumer reporting agency is not permitted to furnish any account information without my explicit written instructions. 

Despite these legal protections, I have discovered unauthorized entries on my credit report, indicating a failure by the credit reporting agencies to adhere to these critical aspects of the FCRA. Specifically, these agencies have furnished information about accounts for which I have not given any written authorization, thus infringing on my right to privacy. 

I respectfully request the CFPB to investigate this matter, ensuring adherence to the stipulated legal provisions. I seek a resolution where the unverified and unauthorized information is removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In early XX/XX/2023, a Chase Checking Account check payment ( Check # XXXX, for {$1600.00} ) I made payable to my landlord ( XXXX XXXX XXXX XXXX ) and sent via USPS Mail was fraudulently intercepted and cashed by an unknown party via XXXX XXXX. I promptly notified Chase and submitted the necessary documents with a signed statement from my landlord representative on XX/XX/2023. Chase opened the claim, investigated, and issued a credit for the stolen check amount {$1600.00} on XX/XX/2023. However, Chase reversed this credit in XX/XX/2023, removing {$1600.00} from my account without a clear reason. When I called Chase customer service to inquire, Chase representatives provided different and conflicting responses. One explanation I received is that Chase has repeatedly contacted XXXX XXXX ( the bank that cashed my check without properly verifying the identity of the payee ) and has not yet received a response. Therefore Chase can not reimburse my stolen check amount until they receive a response, with no definitive timeline of when Chase would assume responsibility to reimburse me if XXXX never respond at all. The initial credit that Chase provided for me is only a courtesy and expires after 90 days if Chase can not resolve the dispute with the other bank. Another reason that other Chase representatives have provided is that a Chase employee had revoked the {$1600.00} credit in XXXX because they thought my account had been credited twice ( I only received the credit once in XXXX ; this is easily verifiable from my account statements and activities ). After dozens of times contacting Chase without a clear resolution during the span of 10 months, I still can not recover the money stolen from my checking account. Chase can not offer me any clear timeline or pathway for this issue to be resolved if XXXX XXXX never responds to Chases multiple inquiries. In the last letter I received from Chase on XX/XX/XXXX, they are putting the responsibility in my hand to recover my funds from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter saying that I need to update my business checking account with my physical address. I updated the address to match my physical address ( matching my drivers license ). I received another letter saying the account will be closed. I called and verified the address over the phone. they confirmed that the address is updated and I should ignore any further letters. 2 months later they closed my account and seized all the balance in my account. that disrupted my business as all my online business and Stripe account was tied to that account.

I called to ask why it was closed they said there are two profiles on the system and one had the wrong address. I explained I only have one account and one profile that I can access online and on THAT profile, my address IS updated and the proof is the last letter they sent me DID come to my home address! The bank in question is 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 2023-12-12
Company: EQUIFAX, INC.
State: MO
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:
Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I sent XXXX XXXX  through Paypal to a person providing training services for a workshop I will attend in XXXX. 

To my surprise the person on the other end was charged XXXX XXXX  in fees. Apart from the embarrassment of not knowing I was sending a smaller amount, now I need to send the remainder of the total payment. 

I contacted Paypal because, at no time while I was processing the payment to be sent, did Paypal disclose the fee to be charged. 

Paypal says that the information about fees is on their webpage. I responded that that is not very transparent on their part, BUT, more importantly, that at a minimum such fee should have been disclosed on the receipt I received from Paypal after the payment was sent. In fact, the after the fact receipt ( attached ) is misleading where it says that the amount I sent WILL BE RECEIVED by the person on the other end. Obviously this can not be true if Paypal will deduct a fee. 

It is obvious to me that Paypal is doing the most they can to hide the fees they receive. Had I known about that fee, even if after the fact, I would have had the chance to contact the person on the other end to know. Also, knowing in advance would have allowed me to submit a higher payment to cover the fees. 

Paypal needs to disclose they fees that they will charge on the other en XXXX the transaction. This is not a surprise for them. It should not be a surprise to the customer planning to send a payment either. 

After talking to an agent and then a supervisor, the answer from Paypal boiled down to some statement along the lines of " too bad. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: Early Warning Services, LLC
State: GA
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 have been facing an ongoing issue with Early Warning regarding an account that I have disputed as not belonging to me. Despite my requests, Early Warning has failed to provide any verifiable proof or evidence related to this account. I sent multiple letters explicitly requesting specific information in accordance with the Fair Credit Reporting Act ( FCRA ) regulations. Early Warning responded with generic letters stating that my dispute did not offer new information without addressing the verifiable proof I requested. This situation has caused severe consequences, including the inability to open bank accounts, due to the inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Initially had to call the bank 2 times to be able to file a claim on charges that I did not authorize then finally spoke to a supervisor who was able to process the claim. The 2 reps prior to made the process very difficult and did not seem to know what they were doing or were distracted during the call. I had been charged for subscription services thru XXXX for XXXX XXXX which was actually included in my XXXX Bundled account. I discovered these charges in the beginning of XXXX & tried to resolve the issue with XXXX and XXXX but they advised to call the bank to reverse the charges. That's were the difficulties started. The XXXX bundle began as of XX/XX/XXXX but the claims started as of XX/XX/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 monetary relief
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX payment is incorrectly reporting late. The loan payment is due the XXXX of each month. The payment was made and processed through my bank account by the monthly due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX I have recently been informed that there is a negative claim reported by XXXX XXXX XXXX XXXX XXXX XXXX  account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$3300.00} Charge-Off with major inaccurate information and it is affecting my consumer report. This account is being illegally reported on my credit report. I requested method of verification on this account. How is this accurate if this account is reporting inaccurate due to no reported monthly payment amount, the term duration, credit limit amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX XXXX XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Request personal information to be removed from my credit report that wasn't correct. 

When they responded they said it was verified information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$26000.00}

Company response to consumer: Closed with non-monetary relief