BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2023-07-05
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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 2023-06-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I received a letter in the mail from Chase bank in the mail XXXX XXXX. The letter, dated XX/XX/XXXX stated that I needed to provide Chase information to show proof of my identify within 14 days. I found it strange because I have had the account in good standing since XX/XX/2022. I faxed the info requested to Chase on XX/XX/XXXX to the fax number provided on the letter. Come to find today my account has been closed. I can provide proof the day the letter was delivered, the letter dated XX/XX/XXXX, and the date the fax was delivered to Chase. I find this to be unfair, business practices. I would like a resolution with a clear explanation how I was at fault. 

I can also provide the actual fax I sent to chase if needed. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I called the SunTrust ( now Truist ) automated system to review my checking account and realized that my account balance was incorrect. I called my local branch in XXXX XXXX, Maryland, to ask for a detailed account of my recent transactions. The list of transactions showed that one check ( # XXXX ) was out of sequence, and in the exorbitant amount of {$10000.00}. I advised the bank representative that I did not write a check for {$10000.00} and still had check # XXXX in my possession. The bank representative advised that I must come to the bank to discuss the matter. I went to the bank that same day and spoke to XXXX XXXX XXXX. XXXX XXXX confirmed that someone by the name of XXXX XXXX, who I do not know, cashed the fraudulent {$10000.00} check from my account, electronically, on XX/XX/2022 -- possibly at a check cashing facility. XXXX XXXX proceeded to help me to close the account and open a new one. She advised that she would report the incident to the fraud department and that it may take up to 30 days to complete an investigation and return my funds. More than 60 days have passed and I have heard nothing from the fraud department -- no letter to acknowledge the theft ; no information about what action is being taken ; and no mention of when my account will be restored. Because of this act of fraud and the lack of action taken by the bank, I have been unable to timely meet my financial obligations and have had to rely on my bank credit card to pay bills and buy food. In an attempt to remedy this matter myself, I called the Truist Fraud Department directly. I was provided a fraud complaint number ( # XXXX ) and, on or about XX/XX/2022, was advised that it might take five to seven days to complete the investigation. I also filed a report with my local police department. I was given fraud complaint number XXXX and was advised that an officer would " show up '' [ come to my home ] to obtain a statement. I have heard nothing form the police department to date. I am a widowed, senior citizen on a fixed income and I need my funds restored now.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2015-11-30
Company: Global Recovery Group
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received a call from " Global '' in XXXX, AZ. Phone number is XXXX. They advised that someone would be coming to my house with the Sheriff in order to get this matter handled. I had my son-in-law call them and Global refused to provide any fax number, email address, or address where we could provide written correspondence for litigation against this company.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-25
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( 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 2022-03-21
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TransUnion, XXXX and XXXX are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX2022. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of medical bill 3 years old. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Bank statement, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX and XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and my Social Security Number as verification of my ONLY address.

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 2023-03-23
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this collection directly to Wakefield & Associates requesting for Validation on XX/XX/2023. This company never responded. I then disputed with XXXX in XX/XX/2023 online and only noticed online that the dispute was " Verified As Accurate. '' How can this be accurate when I have not received any documentation to show proof that this belongs to me? I do not know what this is!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 listed as a charge off with XXXX XXXX XXXX XXXX is a result of identity theft. XXXXXXXX XXXX proved that the account was used to service a XXXX XXXX XXXX a vehicle I do not or never have owned. They could not verify my address, verify a personal identification card which is required, nor did they have the correct phone number. All they simply said was that the car was registered at my address. This account was open by XXXX XXXX and I have begun legal charges against her. XXXX XXXX could not and have not provided myself or XXXX, Transunion, or XXXX accurate factual data. This account is fraud and needs to be removed. I have tried to dispute this account and the credit companies have not provided me with accurate contractual data to prove this account. Therefore by law this account needs to be removed from my credit report. Unless there is a signed contract with my signature, my drivers license, and or a power of attorney provided this account needs to be 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 non-monetary relief
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from 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 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
These companies have violated 15 USC 1681 ( a ) ( 2 ) ( b ) under the exclusion section. Congress says anything that extends or was authorized from a credit card or similar device should be excluded from a consumer report. A " credit card '' is, in fact, not an XXXX XXXX or XXXX credit card because the actual definition says " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Also known as my Social Security Card, Driver 's license, and more. They have failed to realize these mistakes on your behalf and should remove these items immediately. You have also failed to recognize that only I, the original creditor, can verify. This is an incorrect use of my credit report because this should be excluded from my report. They have also violated 15 USC 1681 ( a ) ( 3 ) under the exclusion section by including medical information on my credit report. Please resolve this matter quickly. I have been denied places to lay my head, obtain transportation, and even financial support. Thank you for your help in this.

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 2023-07-19
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our taxes were inaccurately assessed by the XXXX  of XXXX and were reported incorrectly to the Cardinal Financial ( our mortgage company ) in XX/XX/2023.mortgage payment on loan XXXX XXXXXXXX for the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. The XXXX of XXXX had inaccurately assessed our property at the wrong tax rate, impacting our mortgage payment and escrow account. After waiting for the error to be fixed, this was completed and re-assessed for the accurate amount owed. The new monthly payment skyrocketed to an amount we simply could not afford and placed much stress on our family. We drained our savings and submitted the required payment to bring our escrow account to over {$7000.00} as requested by the lender. 

We immediately reached out to Cardinal Financial and informed them this needed be adjusted, however we were asked to fax and email the new tax document, which we did. We called numerous times and were told this was received and a loan re-analysis was to be performed as of late XX/XX/2023. After finally speaking with a supervisor, we were told the analysis was never performed and somehow fell through the cracks. We were beyond enraged but she promised this would be settled by XX/XX/XXXX. This unfortunately did not happen and our loan continued to fall behind, incurring late fees that should not have been applied due to this error on Cardinals behalf. Finally, after many more calls, we were advised it was approved and our taxes were found to be {$2700.00}. However, we are XXXX being advised that we owe well more than what reflects the true loan, interest, and tax amount for the months of XXXX. 

The lender is still asking for the inaccurate amount due, despite confirming it is wrong and refusing to accept the new adjusted payment. They said we need to pay them more than we owe and then we will receive reimbursement. We do not have the funds that exceed the true amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I placed a order on Thursday XX/XX/XXXX  to XXXX and cancelled part of the order due to shipping lead times on Saturday XX/XX/. I was told on Sunday that the cancellation had been processed and refund issued for the part I cancelled. I reached out to Cash App 's support and was told to reach out to the merchant. I reached out to XXXX support and was informed that I was only charged {$10.00} for the part that shipped out even through I still had a hold on my account in the amount of {$120.00}. I reached back out to CashApp support and was told again that they can not do anything and to again reach out to the merchant and that the charge would drop off in 7-10 business days if there was no further activity on the merchants end. I waited to contact them again until today Tuesday XX/XX/XXXX  to give it time to complete processing from the weekend. As there is still a {$120.00} hold on my account. I again reached back out to both companies that continue to put it back on the other. CashApp still states that there is nothing they can or will do regarding the hold and refuse to release the difference I was charged in the amount of {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

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 2021-11-24
Company: Bread Financial Holdings, Inc.
State: SC
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:
The company does an automatic payment through my account whether it is for the full amount or a lesser amount every month. They have reported my account 3 month past due. If they are taking my money they need to remove the late payment reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, 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:
On XXXX XXXX I sent EQUAFIX a certified dispute solely expressing inaccurate late payments in my consumer file. Credit Act 15 U.S.C. 1681 ( 2 ) ( a ) ( I ) Exclusions from a Consumer credit report ; Which they received XXXX XXXX at location XXXX, GA XXXX. I went into explanation how my rights were being violated and I want to dispute and make correction of those late payments to be deleted. Equafix in fact violated the law by not having in dispute listed in my consumer file while this late payment dispute is underway. Which is Liability for willful noncompliance { 15 U.S.C. 1681n }. According to 15 U.S.C. 1681i ( 5 ) ( a ) ( i ) Treatment of inaccurate or Unverifiable information if EQAFIX was unable to verify the late payment belongs in my file then this investigation was deemed considered to be UNVERIFIABLE so in fact must be removed. I want the late payments to be deleted expeditiously. And I want receive my full consumer report reflecting the deletion and the current report as of the deletion; mailed to me through via postal mail.

Company response to consumer: Closed with explanation