BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: AZ
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 sent a letter to XXXX, and Equifax on XX/XX/. Cfpb case number ( Equifax:XXXX XXXX ) ( XXXX XXXX ) Its been well over 30 days and still have not received anything back from XXXX and equifax. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights. This collection in my account is not mine and its causing me time and money lost. Due to being in the process of purchasing a home. I understand I have up to {$1000.00} for damages this account is reporting. 
Otherwise, have XXXX XXXX XXXX XXXX XXXX XXXX  ) removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: KY
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( XXXX XXXX, XXXX, Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am overseas, I tried to do a wire transfer to here. Wells fargo froze my account. I called into the fraud department and provided them everything, the exact amount of the wire transfer, the amount XXXX, the confirmation number, XXXX. The recipient name : XXXX XXXX. I gave them all of my information, confirmed code from my email and my mobile phone but they still refuse to give me access to my account. They insist I must go into a branch, I live in a different country! no! They are doing it intentionally. I have all of my information anything they need I have given them all of the correct information, the company is wells fargo their number is, XXXX, My Name Is XXXX XXXX, account 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 2021-12-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text alert from Chase bank who I bank with. It read that there was a wire transfer and wanting to know if I authorized it. I said no and then Chase replied with they would call me to fix it. They called me right away and had all my account information. They said there was someone in XXXX using my bank card and making wire transfers. They stated I needed a new bank card and they would be fixing this but also noticed my husband is on the Account so they had to call him and talk to him as well. They did call him to take care of things on that end. After waiting several days for a new bank card we called the bank to find out what was taking so long. They had no record of any of this so then we knew something bad happened. My husband found in his junk mail emails where the people who claimed they were Chase transferred money from our account into a XXXX account and XXXX XXXX account. They created accounts in our names except they werent actually us. So it looks like we transferred money to each other except these werent accounts created by us. They ended up taking almost {$4000.00} from us and Chase will not help us at all. I am blaming Chase because obviously their security is very lacking. These people did such a good job acting like they were chase bank. They literally had all of our information and my husband nor I had to give them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had started an Amex account a little over a year ago and decided to cancel the card before the yearly fee for renewal came due. I cancelled my card after both texting the online chat option that Amex offers as well as a quick phone call to confirm a question. When I did this I asked if there were any ramifications that I would run into and was told in both instances that there were no extra charges. 

Later I was notified that I had been charged a {$300.00} charge for canceling the account which was associated with an initial offer that the Amex card had offered after purchasing $ x, xxx amount with their card within the first few months. I was only notified of this charge was due right at the due-date. Upon seeing this I called into their customer service number to see if there was a way to avoid this fee and/or restart the account to just pay the yearly fee and avoid the higher fee. I was told that was not possible, but I could escalate the issue to a manager who would later call me back in a few days. 

I received several calls from a manager at times in the middle of the night or early morning ( well outside normal business or working hours ) and was left with no way to call them back other than call into their general customer service phone number and continue to play phone tag with their managers or someone who could answer the questions I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2021-08-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The merchant credited me through Citibank for a transaction that was not completed. The merchant provided proof of the refund and its receipt by Citibank but Citibank refuses to credit the account, stating that I must contact the merchant. See attached for greater detail.

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 2023-08-24
Company: Experian Information Solutions 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 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 2017-05-11
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Financial Freedom LN   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  CA  XXXX  We have requested a copy of the appraisal that had been used to value this property multiple times. We have requested it 3 times directly from the negotiator,  XXXX   XXXX .  Two t imes via email and once via phone call. She has completely ignored our requests.     We have also called in t o Financial Freedom a nd they have outright refused to provide a copy of the appraisal.     Refusing to provide a copy of the appraisal used in a value decision is a direct violation of the ECOA guidelines ( a copy is attached to this complaint ).     We believe there has been valuation fraud on this file, an d Financial Freedom is r efusing to provide a copy of the appraisal, as per ECOA guidelines.     This property is  a Mobile Home on a Cinderblock Foundation and Financial Freedom  is hiding the fact that they have accepted a value on it that compares it to a single-family residential property. The value that  Financial Freedom  has come up with are in line with the market comparables for Single-Family residences in the area. This value is NOT in line with market comparables for a  Mobile Home on a Cinderblock Foundation .     Again, this property is NOT a  Single-Family Residence. It is a Mobile Home on a Cinderblock  Foundation. Any value that would have been arrived at by comparing this Mobile Home on a  Cinderblock Foundation t o a Single-Family Residence is FRAUD.      Financial Freedom  has either  1 ) either committed the fraud on purpose, 2 ) wer e too stupid to review the appraisal, or  3 ) they hired an  XXXX .      None of those are acceptable excuses for  Valuation Fraud .     We believe thi s Valuation Fraud is  being done on purpose to defraud the Federal Government and t he US Taxpayer.      Als o, Financial Freedom is  claiming that the foreclosure auction will take place on  XX/XX/XXXX . We have checked wit h the county and a Notice of Trustee Sale  has not been recorded. Not only that, but the seller died in  XXXX  of  XXXX .  ( See attached Death Certificate. ) T here is a 12 month moratorium on foreclosing on the property of a deceased person. That means the Estate of the Deceased has 12 months to sell the property before the foreclosure proceedings can even begin. The original estimated foreclosure date on this property was in  XXXX   XXXX . That means that  Financial Freedom st arted the foreclosure proceedings in  XXXX , as soon as they found out he was deceased. THIS IS ILEGAL.  Does Financial Freedom  plan to Illegally Foreclose on the property?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company  Commonwealth Financial  ;   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , PA  XXXX  has listed  six  collections in the amount of : {$92.00} ; {$270.00} ; {$470.00} ; {$210.00} ; {$210.00} ; {$210.00} on my credit report. Please be advised that I am disputing these collections due to the fact that  Commonwealth Financial  does not currently have a valid license in Florida to collect on debts. This is information, according to the Florida  Office of Financial Regulation ;   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . It states that their license is " REVOKED/VOIDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NY
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX. Please delete.

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 2023-08-06
Company: EQUIFAX, INC.
State: WA
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 confidenitiality under 15 USC 1681 sec.602 A, states, I have the right to privacy.

15 USC 1681 sec. 604 sec. 2, states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 USC 1681 sec. 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. 
Account name : XXXX XXXX, Account no. XXXX, Account name : XXXX XXXX XXXX, Account no. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Amazingly, this is my umpteenth compliant over the SAME account. Quite simply, I closed this account several months ago after Barclays refused to stop letting XXXX charge me even after I had frozen and blocked the merchant after canceling my service XX/XX/2023. I closed this account prior to leaving the US for the summer. I called to confirm. I was assured I would receive my prorated annual fee back, as I had just paid it. I have yet to receive it. I have received nothing for these services, nor have I received a check in the mail. I reached back out to Barclays after returning to Texas after months abroad and of course received no reply. Barclays seems only to respond to federal level consumer complaints, which I find disturbing. It was a {$99.00} annual fee. I had paid it just shortly before the debacle with them allowing a merchant I had blocked to repeatedly charge my card. I am currently in the process of writing a consumer story on this whole nightmare, but I surely never thought they would hold my own money hostage. I am owed well over half of my annual fee, of it, which, frankly, I would like with the 29 % interest they charge when their consumers are late. I was never late, which is why I am baffled as to why they were so terrible to deal with. It certainly makes me wonder how they treat their worst customers. Please just send me my refund to the same address you had on file. That's all!

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 2019-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Made several attempts via certified mail to resolved hard inquiry on credit report. Company failed to comply according to FCRA guidelines. Company didn't respond within 30 days.

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 2017-05-12
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
In  XXXX   XXXX , we filed a complaint with the  XXXX   XXXX   XXXX  against  XXXX   XXXX . The  XXXX  took the case and got involved  ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for ove r two years that our payment was late and were charging us late fees. We thank the CPA fo r their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  letter they state that they are going to contact   XXXX   and Experian to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX    XXXX   credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX    XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX    XXXX   credit and hindering us from getting a loan. 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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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