BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX is reporting inaccurate information on my credit profile I've asked XXXX to do a full investigation into this fraudulent account and delete it immediately however XXXX is continuing to report fraudulent information on my credit profile with no explanation of the investagation

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 2022-12-01
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/18 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: BARCLAYS BANK DELAWARE
State: MA
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:
I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. 
XXXX  XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018

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 2023-05-21
Company: EQUIFAX, 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 status incorrect

Complaint:
I have taken the necessary steps to address this issue by reporting the presence of false information. Being a victim of identity theft, I have experienced significant stress and financial hardship due to the inclusion of products that are not mine and for which I am not responsible. Failure to handle this complaint appropriately may result in legal action. These false and fraudulent entries on my consumer report have hindered my ability to afford my desired vehicle and support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was paying rent for XXXX. My Landlord asked me to use XXXX to make the payment. She said to find her profile, and i could pay using her email address. I found her profile with her first name, middle name. I did not see that her email address was off by 1 letter. I sent the rent to this profile using the Chase Bank App through XXXX. The bank tells me the money is gone there is nothing they can do. XXXX says I need to bring it up with Chase Bank, there is nothing XXXX can do. 

I talked to my Bank about 5 times and they tell me my money is gone. They are not doing anything to help me recover my lost money, neither is XXXX. 

This was my first and only time using XXXX. 

What can I do to get my {$1500.00} back? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions 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:
On XXXX. I disputed XXXX Account. XXXX is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. XXXX didn't report my payment history until XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and XXXX didn't report my payment history until XXXX have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with Experian for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and Experian has my payment history starting XX/XX/XXXX. I have received no response from Experian regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights.

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 2022-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor continues to report this bad account to a third-party XXXX XXXX which is duplicating the bad debt to my credit portfolio causing a bad reputation on my profile. I have submitted police reports and reports these to be fraudulent account and to charge as bad debt. However, it continues to show on my credit profile not once but twice.

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 2023-04-10
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Transunion has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Transunion. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . 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 XXXX XXXX XXXX, 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 emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXXXXXX XXXX XXXX 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 2022-01-24
Company: Experian Information Solutions Inc.
State: GA
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. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2022-03-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Security National Financial Corp
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Dear Representative, My name is XXXX XXXX. I was approved for mortgage assistance through the state of Colorado and my case was handled by XXXX  XXXX XXXX XXXX XXXX in XXXX CO since XX/XX/2021. XXXX  XXXX XXXX XXXX XXXX send the check to the wrong Mortgage Provider XXXX XXXX XXXX instead of the XXXX XXXX. Proper Mortgage statements where send to XXXX XXXXXXXX from the XXXX XXXX, there was a document included in the documentation send to them that had information of my previous mortgage provider XXXX XXXX XXXX. Unfortunately for me XXXX XXXXXXXX could not recognized from the current mortgage statements the The XXXX XXXX is currently my mortgage provider and send the check to Security National mortgage in the amount of XXXX. I contacted XXXX XXXX XXXX as instructed by XXXX  XXXX XXXX XXXX XXXX to have them resend the check to me, so I could properly send it to the XXXX XXXX. XXXX XXXX XXXX claims they have not found the check whom they have cleared and I still have not received a refund. I desperately need these funds to make my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EOS Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 ... EOS CCA a collection agency placed a be [ ad debt that they claim I owe in my credit reports. I never received written notice regarding this debt from this agency, no even a phone call. I am not responsible for this alleged debt. 
I was never given the opportunity to respond to this, they just placed the information without verification on my profile. Pursuant to the Fair Credit Report Act, the Fair Debt Collections Practices Act and the Fair Credit Billing Act I have a legal right as a consumer to be able to dispute a debt once I am notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my rights to privacy and confidentiality under 15 USC 1681. Account name and number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not sure of last 4 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 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 2022-03-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. Select Portfolio Servicing , Inc. has fraudulently applied charges to my account and have refused to provide me with a payoff amount. I have been requesting a payoff and now Im being told that they will have to apply an additional attorney fees to my account before providing me with a payoff amount.

2. Select Portfolio Servicing, Inc has purposely concealed important documents relevant to my account and has not provided the information within a timely fashion. 3. Select Portfo
lio Servicing Inc, was in receipt of an XXXX money order in the amount of {$820.00} dollars which was never applied to my account. 

4. I am requesting a full account history for all transactions to my account from XX/XX/XXXX- XX/XX/XXXX or most current statement. Any and all correspondence and notices pertaining to this account. 

5. I am requesting a payoff amount my account. I do not authorize or give permission for anyone to delay this process. I am urgently requesting this information so that I can review it and expedite the correction process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: PRANCER CAPITAL CORP
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX, dba XXXX XXXX XXXX XXXX paid Prancer Capital Corp the sum of {$11000.00} for the payoff of XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. Ms. XXXX traded her vehicle at our dealership on XXXX. Our dealership paid off her trade-in to Prancer Capital Corp on XXXX. The check was cashed by Prancer Capital Corp on XXXX. MsXXXX XXXX and myself have reached out to Prancer Capital Corp. several times requesting the release of the title. As of today, we still don't have the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After submitting a complaint by phone directly to Equifax about incomplete information being allowed to be placed on my credit report. I have seen my credit score drop by XXXX points in 7 days from XX/XX/23 to XX/XX/23, it was obvious retaliatory behavior. Can someone check if this was a legitimate? " I spent {$45.00} on a target card '' and the score went down XXXX points. " A collection account was added '' my score went down XXXX points for an account that was already on there. " I spent {$390.00} more this month '' my score went down again but they did not report the one credit line went up by {$1000.00}. Equifax is not reporting the " good '' but are quick to report thing that are questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CITIBANK, N.A.
State: LA
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 following series of attempts have been made on my behalf to clear a fraudulent charge of {$160.00} from XXXX in XXXX, FL. All of the phone calls listed below were lengthy on wait time and I was passed from one customer service rep to another. 

XX/XX/XXXX I called and informed customer service that the charge was fraudulent. I was told it would be noted and taken care of. 

XX/XX/XXXX I followed up with another phone call and was told it was not noted as fraudulent and there was no indication of my earlier call. 

XX/XX/XXXX I wrote a letter to the Fraud Department at the address given to me at the time of my call. I never received a response. 

XX/XX/XXXX Another phone call and was told the case # is XXXX and it is being handled. 

XX/XX/XXXX Another telephone call with representative claiming that XXXX had handled the issue and credit would be forthcoming. 

XX/XX/XXXX No results, another phone call informing me that XXXX XXXX was the investigator handling the issue but he was unavailable by phone. 

XX/XX/XXXX - I called XXXX to ask for help and was told they could do nothing. 

XX/XX/XXXX Online chat with cc representative named XXXX who informed me the item was flagged and I will see a credit within 3-5 business days. Please be rest assured. I printed a copy of the chat. 

XX/XX/XXXX Online chat with representative named XXXX who informed me I do not have to pay the {$160.00} as it is disputed and a security credit will be applied to my account. I printed a copy of the chat. 

XX/XX/XXXX I wrote a letter to XXXX XXXX whose name I was given in the last phone call and received no answer. 

XX/XX/XXXX Telephone to representative named XXXX who informed me that the credit was issued on XX/XX/XXXX and would show on my XX/XX/XXXX statement. XXXX said the person handling this dispute was XXXX XXXX and I could reach him by mail. 

XX/XX/XXXX statement was received and included a late fee of {$25.00} for non payment of the FRAUDULENT DISPUTED ITEM. 

XX/XX/XXXX statement was received with no credit as promised by XX/XX/XXXX representative. And a late fee of {$35.00} was charged plus interest of {$1.00}. 

XX/XX/XXXX my third letter to XXXX XXXX ( name phone rep gave me ). 

To recap all of my attempts to resolve this matter with no success or even responses - 7 phone calls, 2 chats, and 3 letters.

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