BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: MI
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX : {$2700.00} MI XXXX XXXX XXXX XXXX  : {$6500.00} XXXX  XXXX XXXX XXXX XXXX : {$2600.00} XXXX  XXXX XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX MI XXXX XXXX XXXX XXXX : {$730.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2019-09-03
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Using cash app I cant login in my old account I had a large amount of funds on there they dont have a number to contact them and I keep getting the run around over emails

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Both parents are deceased. Current death was my father XX/XX/2021. Gave death certificate to Chase bank XXXX XX/XX/XXXX. Asked if he had any other business at bank and they refused to give me info. now 1 yr later they summoned me with a suit to sue because of non-payment to an acct I had no knowledge to or wasn't authorized to get info back then. now that it is in foreclosure processing they want me to talk to me. funny how they are given me authorization now... .my name has always been on the death certificate. this could have been prevented and now I incurred all kinds of fees and a Chase bank rep told me that I can assume the loan. I asked the Chase bank rep if I can get more time before it was sold to look into this to see what I could do and he insisted on pushing to complete the assumption loan. after a few calls, a different Chase bank rep told me to suspend Foreclosure I can exercise the Covid 19 assistance for 18 months. turns out it was 12 but it helps. I called the rep that was pushing the assumption and told him what I had found out and I exercised the Covid 19 assistance with the 2nd rep. He immediately went into defense and said, " I told you that too! '' I complained about the 1st Chase rep and they did an internal investigation and found out that he never said anything about this knowing that I inquired about how to stop or suspend the foreclosure process. Chase bank resolution is " he will receive more training. '' Well, he definitely violated the Dodds-Frank Act by withholding info to assist me and this resolution they came up with isn't enough. I am stressed over these actions, I am no longer trusting Chase bank representatives and I am stressed and can not sleep or function right because of this. This has caused me mental stress and I can not find an attorney to call back or back me up regarding this matter in the state of Indiana. This law suit is reflecting on my records and causing others to proceed with suit because they have notified them. They are listed on the summons. Chase bank unfair and deceptive ways from the 1st representative should be illegal. The rep that reported the resolution to me said that she works with the individual that was not in compliant. I asked if all fails, can I negotiate for a lower payment since this is not my debt. She said Chase bank will not do so. I ask was she one of the deciding factors, she said " NO ''. Then she proceeded to question what other actions were I expecting to take with Chase bank which was strange and she asked what did I want them to do other than give the rep training. This whole thing is stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
Dear Sir/Madam, I am writing to bring to your attention a serious issue with my credit report that has been causing me considerable financial harm and emotional distress. It has come to my attention that Equifax, XXXX and XXXX, the credit bureaus responsible for maintaining my credit history, have incorrectly reported a bankruptcy on my credit report that does not belong to me, despite providing all necessary proof to demonstrate that the bankruptcy is not mine. I have already reached out to each bureau multiple times. I have submitted a letter from XXXX XXXX where XXXX XXXX has removed this false information from their files, yet the bureaus are refusing to comply! 
I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) obligates credit bureaus to ensure that the information they report is accurate, up-to-date, and complete. The FCRA also requires credit bureaus to investigate disputes within 30 days and, if the dispute is found to be valid, to promptly correct the erroneous information. 
In my case, I have complied with all the requirements of the FCRA by disputing the inaccurate bankruptcy information and providing all the evidence to show that the bankruptcy is not mine. However, the credit bureaus have failed to correct this error on my credit report, which has resulted in significant financial harm to me. 
I would also like to draw your attention to the Consumer Financial Protection Bureau 's ( CFPB ) mission to protect consumers from abusive and unfair financial practices. I believe that the credit bureaus ' inaccurate reporting of the bankruptcy on my credit report violates this mission, and I would like to request that you investigate this matter and take any necessary action to ensure that the credit bureaus promptly remove the erroneous information from my credit report. 
I kindly request that you inform the credit bureaus to provide me with a copy of my updated credit report after the erroneous information has been corrected. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX attached are the same bs letters they keep sending me, along with the XXXX UNVERIFIED AND REMOVED letter. than you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-09-07
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am trying to get a refund of XXXX payments I made during Covid forbearance. When I call, I can not get through to a person and the answering machine says they are not open even though the call center doesn't close for XXXX more hours...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX Bank has not been reporting ALL of my revolving charge cards considering I have XXXX accounts with XXXX Bank. They have been reporting only XXXX accounts and have not been reporting XXXX of my accounts to Equifax, which is unacceptable. I did contact XXXX XXXX at XXXX over the telephone on XX/XX/23 at XXXX PST and I ask the representative to transfer me to a supervisor or XXXX so I can attempt to have this resolved. I was transferred spoke with a supervisor named XXXX, who listened to my issue but stated she could not assist me and that I needed to contact Equifax to discuss my issue and have it resolved with Equifax. I then know I XXXX was providing me with absurd guidance, because why would I contact Equifax about charge accounts that XXXX Bank is not reporting to Equifax. This isnt something Equifax has control over, because why would a credit reporting company have input or control of accounts that dont have reported on their end. Its XXXX Banks responsibility to report All of my accounts correctly to the consumer reporting agencies, per the FCRA. I stated the same information to the XXXX XXXX and expressed my frustration with her poor guidance. I then asked her to provide me with XXXX Banks address to report issues or complaints. She placed me on hold about XXXX minutes and then provided me with the main address for XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX .... Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$770.00} XXXX XXXX XXXX XXXX .... Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4200.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX & XXXX XXXX Balance {$160.00} XXXX XXXXXXXX XXXX Balance {$4800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I used the capital one ATM located inside the XXXX  XXXX capital one branch. I specifically went to the branch because the other Capital one ATMs located at XXXX  are notoriously difficult to use. Specially they spit out half the cash you deposit and you have to keep working to deposit it. 

On this day I deposited {$1500.00} in cash. The ATM showed the deposit as being {$580.00}. I immediately spoke to a capital one ambassador employee in the bank and informed him what happened. He told me to call customer service immediately and file a claim. I did so. I was told they would reconcile that ATMs funds, look at video footage ect. 

They have denied my claim twice. I went back to the bank branch where the employee remembered well what had happened. He tried to call the customer service line with me for almost 2 hours. He grew incredibly frustrated as the overseas customer service line kept dropping our calls, misunderstanding us, and refused to explain what they had done to research my claim. He told them repeatedly he was there during the incident and could vouch that it had happened. He called his own branch manager and all she could do was tell him to call customer service. 
He was as appalled as I am that capital one did not so their due diligence here. They did not contact him to verify my claim. Did not look at the video footage and it is impossible they reconciled the atm from that day as it contains {$1000.00} cash extra! 

Please help. I am a single mother and have a capital one checking account, 3 savings accounts there for my children and 2 credit cards w capital one. I can not believe that they can just so blatantly steal my money this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a police report and FTC to Experian XXXX XXXX XXXX unit and they had enough evidence to block account ( XXXX XXXX XXXX XXXX ) and they did but XXXX XXXX came back and stated the account was verified. so I called XXXX XXXX and they stated the account was noted as fraud. Then the rep from XXXX XXXX stated they XXXX did verified the loan was mine but the XXXX was actually talking to the man who stole my identity but never contacted me. How XXXX can you get to contact the number on the contact from XXXX XXXX that was fraudulent. They gave a loan to a man fraudulent under my name who uses a XXXX XXXX  Address and I never had owned or lived in XXXX XXXX, I live in XXXX XXXX! They have a police report and FTC report on file and I disputed the inquiry that day when the loan was given and XXXX XXXX XXXX the loan was fraud and noted. So why would they fund it. Then XXXX XXXX removed the inquiry as fraud. The XXXX with the fraud unit keeps talking to the man who stole my identity because he has the man number not mine! I will file legal suit against against XXXX XXXX, Now Experian Credit Bureau want even let me dispute it because XXXX stated they verified the account as mine, But how and why can't I disputed it again, I will file suit Against Experian if they don't fix this, I asked the rep with Experian for the verified information they got back from XXXX and the rep stated they don't have nothing except a check mark that its verified, SO they take the lenders would without proof versus mine with police report and FTC identity theft report and arrest report from they guy who stole my identity. They will get legal action if not fixed and removed

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 2022-11-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I get regular marketing emails from Experian. I recently went to try and unsubscribe from them and found this message at the bottom : " Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. '' But it is clearly a marketing email... this was the primary text of the email, but there are many more like it with the same, inaccurate 'disclaimer ' at the bottom : " Do you own a XXXX XXXXXXXX XXXX 
We found a XXXX XXXXXXXX matching the address on your Experian membership. Confirm its your car to get started with free benefits like insurance savings, data on your car 's history, and estimated value. '' XXXX, they are required to provide an unsubscribe option, and pretending that their marketing is legitimate business is infuriating, particularly for a company that is a critical part of our financial system.

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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