BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct the following items from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-07-27
Company: EQUIFAX, INC.
State: NJ
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:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: MO
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 hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration despite multiple attempt with the unresolved issue of fraudulent items associated with my account. 

Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. 

Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. 

Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. 

Enhance communication channels to keep me informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to thwart any future unauthorized access or activities. 

I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. 

Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TransferWise Ltd
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing this letter to file a complaint against Wise.com. The XXXX of XXXX Wise.com closed my account without any warning or notification. Although I accept the closure of my account, I strongly request the return of my funds of around XXXX XXXX 

I was shocked by the sudden closure of my account, especially without any prior warning or notification. Additionally, I had no idea what terms and conditions I had violated. I had always complied with the platform 's rules and regulations. 

Therefore, I am writing to request your intervention in this matter. I believe that Wise.com should be held accountable for their actions and should return my funds. I kindly request your assistance in resolving this issue as soon as possible. 

As stated, my account with wise can remain closed. I only want my funds out. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: MD
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX Balance XXXX {$910.00} XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Representatives from the company have not been truthful. I was approved for the least desirable card without being given a copy of what was entered. This card was comparable to one had XXXX years ago in college. They are refusing to raise my credit limit but pulled a second credit report without my permission. I was told that their secured card did not involve a credit report. This later changed. Furthermore, a XXXX dollar gas purchase has been allowed to place a XXXX XXXX dollar hold on my account creating insufficient funds. The company also did not issue my mother replacement credit cards before expiration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: CA
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 Account # 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 c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde open end consumer credit plan as late for-Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently pulled my credit report and noticed a few incorrect addresses. I live at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX and that should be my only address on my 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 2020-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Minimum payment met on Capital one credit cards ( please see attachments XXXX. 

-Called in and Capital one agreed to fix their mistake. Removed from credit report XX/XX/2020. However it popped back up on XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: CA
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 Account # 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 c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde open end consumer credit plan as late for-Purpose

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 2021-07-27
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: Investigation took more than 30 days

Complaint:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: AZ
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. 

XXXX XXXX XXXX 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 XXXX, has violated my rights. 

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 2020-11-06
Company: LoanCare, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020 I received a letter from my insurance company stating they did not receive the payment. I called LoanCare on XX/XX/2020 and they stated that the check was returned however they had resolved it with the insurance company and my insurance wouldn't lapse. They said a check would be sent overnight to the insurance company. The payment was not received by the insurance company until XX/XX/2020. By that point they had already closed my account. I was not informed until XX/XX/2020 that I did not have insurance and I found out at that time due to receiving a refund check from the insurance company. I secured new insurance the following day. Loancare then charged my escrow account {$260.00} in XX/XX/2020 for the lack of coverage from XX/XX/2020 to XX/XX/2020. I spoke to multiple representatives on multiple occasions who stated that they were required to charge my escrow account, but that since it was their mistake they would refund the amount. I received a refund for {$110.00} on XX/XX/2020. I called the company once I saw the refund and spoke to a representative and they said they don't know why the refund was so little and that they would send the file for research and the rest of my refund would be processed within 1 week. As of today XX/XX/2020 I have not received the rest of my refund. I called and spoke to XXXX and he is now saying there would not be any further refund.

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 2021-07-27
Company: EQUIFAX, INC.
State: NJ
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:
Be advised that on XX/XX/2021, XXXX XXXX obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Delivery Financial Services, LLC
State: IL
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:
Original bill from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Bill sent to collection company Delivery Financial ServXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had my XXXX XXXX I have XXXX XXXX XXXX XXXX ( XXXX Plan ) medical insurance with no co-pay/deductible as I am XXXX, XXXX  and only receive Social security income. XXXX XXXX is an in network doctor. They did about 5 incremental XXXX XXXX XXXX XXXX XXXX XXXX with over XXXX bills for numerous follow up visits for XXXX XXXX over several years. XXXX XXXX did not send two bills to me nor my insurance and thus were not paid. I just found about these bill when I pulled my credit report and saw that they were sent to Delivery Financial Serv collection company. I wanted to send the bill to my insurance. XXXX XXXX says they do not have open bills for me. Delivery Financial Serv says they do not have the original bill to provide me and that I will have to get it from XXXX XXXX. I am just getting the run around. I have TONS of paid bills from XXXX XXXX. If they had sent this bill it would have been paid. I called XXXX and they trippled checked my bills- the charge was never received. No one can provide with a bill to send to my insurance. I expect now it will be too late to even bill my insurance. LASTLY, the 2 bills should be removed from my credit report until I at least get a bill and possible until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Summary : Father ( father ) sent a check of from his XXXX XXXX XXXXXXXX account through online pay to Daughter ( daughter ). Daughter deposited the check through ChaseApp to her Chase saving account. Chase flagged the check and held the funding. Daughter and Father presented the physical check, bank statements of XXXX XXXX  XXXX, debit card of XXXX XXXX XXXXXXXX, State ID, passport, and even a validation letter from XXXX to the local branch. Chase still holds the funding and refused to return. 
Request : Return the funding of back to either Father or Daughter.

Detailed timeline : 1. Daughter opened a Chase account in XX/XX/XXXX 2. Father sent a check to Daughter through online pay of Bank XXXX XXXX XXXX on XX/XX/XXXX XXXX. Daughter received the check and deposited through Chase App on XX/XX/XXXX. The check was cashed out and deposited into Daughters saving account at Chase on XX/XX/XXXX 4. Chase flagged that check as fraudulent and held the checking and saving accounts in early XX/XX/XXXX. 
5. We called Chase multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Chase told us it is in the hands of back office, fraud department now. We passed all the information to them. 
6. At the request of Chase Bank, on XX/XX/XXXX, Daughter and Father both visited local branch at XXXX XXXX, CT. Presented real ID, password, green cards, debit cards of both parties. The request to return the funding to either Father or Daughter were both rejected.

7. The original check was present to Chase local branch. XXXX in Chase scanned it in.

8. We requested XXXX XXXX XXXXXXXX to send us a validation letter on XX/XX/XXXX. The copy was shared to Chase. 
9. We worked back and forth with Chase and XXXX XXXX XXXXXXXX for one more week but no results. 
a. XX/XX/XXXX Chase called and asked Daughter to go to XXXX XXXX XXXXXXXX and talk with manager XXXX for dispute claim. 
b. XX/XX/XXXX We visited XXXX center at Chases request. Did not work out. 
c. XX/XX/XXXX Chase bank complain escalated line Called. 
d. XX/XX/XXXX. Chase called back. Asked us to call phone number XXXX option XXXX XXXX Still did not work out. 
10. On XX/XX/XXXX we file a complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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:
I dont recognize some of the accounts that are reporting to my credit

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 2021-07-27
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation