BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: EQUIFAX, 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: 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 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 explanation
Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 am the person making this complaint & I give CFPB authority to investigate this claim. After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : BANK OF AMERICA XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-06-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have Experian credit report says I had XXXX close accounts when I only have XXXX .On the report the can not produce the XXXX accout I've tried over and over again to dispute an inaccurate report .I have been block where I can't dispute. The company has inaccurate.The cccount say I opened XXXX the.has been removed twice because of inaccurate in XXXX how is it experian keeps allowing to be placed back on my credit report. Original company was XXXX. I need the proof that the account was open in XXXX because it was not and the company is not the original owners and again the dates and year are incorrect it has to be the original date opened .I never gave permission for no one other than XXXX to place any thing on my credit repot. 

XXXX is on my credit report twice as open and closed same account number. I never closed an account with 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 explanation
Consumer complaint received 2022-07-11
Company: Sezzle 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: Account status incorrect

Complaint:
I paid my balance with XXXX on XX/XX/2022. I was told it would take 30-45 days for it to be removed from my credit report but it has now been 3 months. My credit has been affected. My account still says I owe them and havent been paying them for the last 3 months when in actuality its already been settled. Sezzle support has done nothing but repeat 30-45 days even after its been much longer than that. They refuse to help in any way and this isnt an isolated incident. XXXX works well until you have a problem and then they become a company from XXXX. I have the receipt of my payment to XXXX. I have transcripts of XXXX employees being completely negligent, some not even reading what I actually said before responding. I have been disputing this with the credit bureas and XXXX and XXXX say that the information is accurate according to XXXX which is False! I have submitted the receipts, got verification from both XXXX and XXXX themselves that I paid! Yet they refuse to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Chase to arrange a payment plan to pay off my balance. 

They told me late fees and interest fees will continue to be added each month making my payment over {$400.00} which I can not afford. 

They said There is nothing they can do about that I can afford to pay them {$150.00} / month but they were not interested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
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: Reporting company used your report improperly

Complaint:
IT has come to my attention that there are late payments being reported on my consumer credit report and per. 15 US CODE 1681A TITLED DEFINITIONS RULES OF CONSTRUCTION PARAGRAPH 2 OF THIS TITLE IS TITLED EXCLUSIONS AND SUB PARAGRAPH ( A ) SUBSECTION ( i ) STATE THAT TRANSACTIONS ARE NOT INCLUDED IN THE CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have wrote letters, faxed, and spoke with representatives concerning my credit report. There are frivolous inquiries on my credit report, and accounts that are closed that should no longer be appearing on my credit. There are  2 judgeme nts which are paid in full that is still showing on my report. There is also a bankruptcy that should not be on my credit report. This is all with   XXXX ,  transunion, and  XXXX !!!!! I keep getting the run around and Im tired .... there is like a thousand address/ names etc that I want updated also. Please 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 explanation
Consumer complaint received 2017-05-03
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 HAVE SUBMITTED POLICE REPORT TO EXPERIAN and   XXXX   SEVERAL OCCASIONS AND DISPUTED ACCOUNTS IN   XXXX   THESE ACCOUNTS HAVE BEEN DELETED DUE TO FRAUD AND THEY  RE  APPEAR ON MY CREDIT FILE I WAS TOLD TO GET A NEW POLICE REPORT AND SEND BACK TO THEM I HAVE DONE THAT AND I AM GETTING NO WHERE WITH EXPERIAN IN REMOVING THE ACCOUNTS THAT CAME BACK AND ACCORDING TO TH FTC I DID NOT RECEIVE A  XXXX  DAY NOTICE ON THE REAPPEARING ACCOUNTS THAT FRAUDULENT

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 2019-06-06
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter stating that I had a {$320.00} shortage on my Escrow, if I did not pay that shortage, my monthly payment would change, I went ahead and made the payment, but then the company continues to bill me the higher amount stating that I have an escrow shortage, which I already paid!

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 2023-11-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
CFPB case : XXXX. 
Wells Fargo Case : XXXX Received response and this is absolutely insulting. I adamantly do not except an extension. This has been going on for 6 months now and 3 different officers from the executive branch have been delaying the outcome. Wells Fargo is trying to cover its tracks for inside fraud or negligence. They have such a flagrant disregard for customers financial protection and using the delay tactic to force the customer to give in and drop the issue. DO NOT ALLOW AN EXTENSION!

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 2023-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened the account in XX/XX/2022. 
Deposited promotional offer amount of {$1000.00} of new money for the 30 days. 
Waited for the full 90 days during the promotional offer period Called 60 days after the waiting period and unable to escalate to a supervisor. 
Customer service representative confirmed I had met the requirements and was not sure why it hadn't been deposited. Never received any additional information or call regarding this issue.

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 2017-05-03
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
Good afternoon, On  XXXX   XXXX   2016 I m ade a purchase on  XXXX .     I  XXXX   XXXX  a received a package from the merchant  XXXX . The package contained the wrong merchandise. I returned said incorrect merchandise back to the merchant. They received the merchandise verified by ups tracking # and signature proof of delivery.     The merchant claimed that they sent me the correct watch and that the watch I sent them is not what they sent me. They refused to issue me a refund, and also said they were keeping the watch.     I have been in contact with the merchant and credit card company since  XXXX  of    2016.      I contacted my credit card company  American Express who closed the investigation a couple days ago in favor of the merchant. I supplied pictures, tracking # s, and proof that I tried to resolve the issue with the merchant. The merchant will not issue me a refund, and American Express will not resolve the issue either. Please help. Tha nks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a   XXXX   XXXX   XXXX   #  XXXX   XXXX    XXXX   #  XXXX , There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed  debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601  et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by t he Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.

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 2023-03-15
Company: EQUIFAX, 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.

15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Tried of loan company writing to me and treated to arrest me for not paying the amount indicated on the e mail. I keep writing back saying that I do not owe you the money, but keeps sending these letters. That a arrest warrant has been issued. 
XXXX XXXX -- -- -- {$390.00} Ace cash services -- -- {$640.00} taken me to court and then {$4500.00}. 
XXXX XXXX XXXXXXXX -- - {$980.00} Not license to do business in Washington, but still wants me to pay this. 
XXXX XXXX -- - {$1100.00} None of these I owe money to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: GA
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 did not give my written consent to furnish any inaccurate/incomplete/unverifiable information at any time.I believe my privacy was violated and this caused me the natural person substantial Financial Injury.There are several violations purposely committed according to 15 USC 1681 ( a ) ( 3 ) 15 USC 1681 ( a ) ( 4 ) 15 USC ( b ) ( 3 ) 15 USC 1692 ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX my checking account had an unauthorized withdrawal of {$3000.00} with a fake signature. I discovered the unauthorized activity and reported to Chase on XXXX. It was said the withdrawal happened in Michigan. Today is XX/XX/XXXX, more than 10 business days passed. Despite of three phone calls with Chase ( 1.5 hrs in total ) and two visits to local branch, there is still no refund of the {$3000.00}. 
The 1st line of defense of Chase needs immediate training on cooperating with the fraud activities. 
Customers should NOT wait this long for the bank 's mistake to be fixed. I no longer feel safe to keep my money in Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06
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: Information belongs to someone else

Complaint:
This account is reporting inaccurately on my credit report XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
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:
To Whom It May Concern, This letter is a formal complaint that Equifax is reporting inaccurate credit information. I am perturbed that Equifax have included the below stated item in my credit report due to its damaging effects on my good credit rating. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit Equifax has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX  mistake XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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: 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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Some one has placed a credit freeze on my credit account. When I call about having it removed I am being told it will cost money to remove the credit block. I need to have my credit pulled to get a better interest rate on my vehicle with    XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Convergent Resources, 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:
In 2018 I opened a XXXX account. My email address is XXXX. I made a few purchases on the y XXXX account which I paid monthly. However in XXXX I got a call from XXXX on which the lady informed me that my payment was missing. I said that's impossible my account should be paid off. She said you have a {$700.00} balance I said no she said what is your email I went ahead to verify my email. She said not its XXXX, she verified my last 4 of my social. I explained it was not my email address. She said they would do some investigation and get back to me. So last week I got a call last week my account is past due I was I said impossible. She informed me that I should make a payment before Thursday. I was puzzled. Today I received a collection letter from convergent starting they are willing to settle my account and the balance was XXXX. With a settlement balance. I called Convergent and she said the very same email as mentioned earlier. I don't know who email it is, and certainly not mine. The spelling of my name is correct and address. I tried reaching our to XXXX report this fraud on my account. I need help in resolving this situation. This is fraud against my social security number and 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