BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: MA
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:
Yesterday, Thursday XX/XX/XXXX I received many more things : first a total of 8 mailings from XXXX 4 modification offers and 4 Right to Cure letters on a HELOC which should have been terminated when my home was ILLEGALLY foreclosed on on XX/XX/XXXX. Also, I received the attached credit report from Equifax dated XX/XX/XXXX ( see attached pg 9 ) showing ( all of a Sudden ) the account that has for 30 yrs been listed with Equifax as being a XXXX  account, with also the name XXXX  XXXX   attached to it. Now, it is on this report showing no mention of XXXX ( for first time in 30 yrs on these reports ) in relation to this illegal foreclosure see page 9 of this credit report. Here only XXXX  XXXX  is listed as owner with also a new name attached to this " account '' at the top of that page 9 now showing XXXX XXXX XXXX!! for the first time claiming to be attached to it. Please, see also attached a letter from a XXXX XXXX a " third party '' investor stating to have bought my home on XXXX. This XXXX or whomever they call themselves now CAN NOT do this Legally!!! THIS IS FALSE REPORTING!! and slander on my credit report!! This is beyond ridiculous, also on the attached " Assignment '' shows that XXXX from the FDIC is claiming ownership from in addition the so called Assignment that was created/recorded 25 yrs after I got my home in XXXX of XXXX. All of you need to look at and prosecute this nut XXXX and or whomever is trying to illegally take my home from me.!!! AGAIN FRAUD!! FALSE REPORTING! There are many illegal documents recorded in the Reg of Deeds in XXXX County, MA records by XXXX. On Thursday XXXX I called the resource center ( XXXX ) at XXXX  XXXX  and spoke to operator id # XXXX Jeneal at XXXX and she told me that XXXX  XXXX  does not have any files on my name, account number, or address anywhere in their records!! There are many false documents being recorded in my credit reports, as well as the Reg of Deeds AND The Land Courts by this so called Bank!! And Dual tracking! again! The attached from the XXXX  XXXX  look up also shows XXXX  XXXX  has no association with this illegal foreclosure " account '' on my home. XXXX attorney also claims to be representing XXXX  XXXX  ( crazy ) please see first page of a large file not up loadable to big, the whole file see page one attached. see first sentence of this attached letter. SO MUCH FRAUD BY XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I received an email notification from JP Morgan Chase Bank that my business checking account had been overdrafted. After checking my online banking history I noticed 33 un-authorized charges made via my Chase Business Visa debit card for three retailers : XXXX, XXXX and XXXX and XXXX stores. I did not make my debit card or any of my personal information available to any other individuals for use at these stores. I went into a Chase branch and informed the banker who assisted me in calling the fraud claims department. I was informed by the Chase representative that the un-authorized charges were made using a XXXX XXXX digital wallet setup using my stolen identity and Chase Business Visa Debit Card on an unknown device ( s ). I never installed, setup, or authorized a digital wallet on any of my devices. However, the claim was denied, despite the fact that I was told that I wouldn't be responsible for fraudulent charges when I initially opened the account. Very little information was provided on why the claim was denied other than two-step electronic verification was used to create a digital wallet account using my phone number which I assume may have been cloned for this illicit purpose. On XX/XX/XXXX I filed an official police report. I own an XXXX XXXX device and provided the fraud department my specific phone and XXXX XXXX XXXX service provider information. I've never had a digital wallet setup on any of my devices. I also provided Chase with two signed and notarized affidavits explaining the fraudulent charges in detail, the police report, and a detailed list of each of the 33 fraudulent charges including dates, locations and amounts of each transaction. The unauthorized and disputed charges by XXXX, XXXX and XXXX and XXXX stores totaled {$6800.00} from XX/XX/XXXX thru XX/XX/XXXX. I have since changed my email password, my Chase online banking username and password, and canceled and replaced my Chase Business debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: MD
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:
I mailed a certified letter to Experian requesting an investigation of the inquiry thats on my credit report. The inquiry date was : XX/XX/2019 from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. Furthermore, I currently do not have any account with this company. Experian failed to re-investigate. I also sent a letter to XXXX XXXX requesting for proof of this authorization, yet I received a response.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I reached out to the company to advise that my bank account had been compromised and this was my third attempt to inform them that I had faced a financial hardship due to what happened ( my money was stolen from my bank account ). At that time, I asked to accept the offer of getting placed on a payment plan along with the courtesy of updating my account status from delinquent to current. The agent explained that once the payment that she needed to collect was posted, my account would change from delinquent to current on all three credit bureaus. During the call, I made a successful payment as well as scheduled a payment plan as she suggested, with automatic payments set to withdraw on specific dates. She advised that my account would be reflected as current and backdated for any previous months that were reflected as delinquent, and update to current. I have been checking my credit report every day since this payment occurred and it shows that I am still being reported as delinquent over 120+ days. I would like for this to be updated as stated or file a grievance or litigation for misrepresentation and incorrect reporting.

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 2023-08-21
Company: Experian Information Solutions 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-08-28
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: NC
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 XXXX  Account XXXX XXXX XXXX - ACCOUNT # XXXX, XXXX XXXX XXXX - ACCOUNT # XXXX, XXXX XXXX - ACCT # 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 non-monetary relief
Consumer complaint received 2023-05-05
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:
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. 

In accordance with the fair credit reporting act XXXX, these accounts have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 602 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 non-monetary relief
Consumer complaint received 2023-04-18
Company: WELLS FARGO & COMPANY
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid off my Wells Fargo Auto Loan on XX/XX/XXXX of this year. Wells Fargo has yet to report that its been paid off to the 3 credit bureaus. When I called Wells Fargo they said it should have been reported to the bureaus on the XXXX of XXXX and they couldn't see anything on their end that would have prevented it but they weren't 100 % sure.

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 2023-04-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank teller applied my cash deposit to account belonging to another bank customer. I have the deposit receipt showing the incorrect account. The bank manager has to wait for an investigation to be comleted. This delay in correcting the bank 's obvious error will prevent me from making my truck payment, causing damage to my credit file that will take years to overcome and will lesd to higher credit costs for me.

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 2023-04-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Sams Club MasterCard, which is through synchrony bank. I had an unauthorized charge of {$100.00} that I did not authorize. My account was hacked. I never lost my credit card yet synchrony bank would not remove it from my account until up to 60 days after they investigate. I have aI have a Sams Club MasterCard, which is through synchrony bank. I had a unauthorized charge of {$100.00} that I did not authorize. My account was hacked. I never lost my credit card yet synchrony bank would not remove it from my account until up to 60 days after they investigate. I have never had an unauthorized charge that was not removed immediately yet synchrony bank refuses to remove this charge. I have paid my bill up to that {$100.00}. This was not my charge yet they refused to remove it until they investigate. That is like saying I am guilty until they prove me innocent. This is unacceptable. I want discharge remove from my account immediately.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: AR
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 other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$0.00} 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 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 2023-08-28
Company: EQUIFAX, INC.
State: VA
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'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 non-monetary relief
Consumer complaint received 2023-04-18
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 am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX and was closed in the amount of {$3100.00} and a collection by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX in the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/2023, to report these incorrect reports that adversely affect my public confidence.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and your company is still continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: WI
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:
My name is XXXX XXXX I do NOT have a middle initial the credit agency has my name listed with a XXXX  for a middle initial. That is false information

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 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my college told me to make a payment that was more than {$100.00} towards my balance in order not to get kick out of my dorm and my classes. I used my entire {$990.00} tax refund towards my balance like they asked. Two days later my RA tells me I need to pack and leave cause they wanted {$3000.00} instead of {$1000.00} and I didnt have that amount at all. I had no money to get back home to MD so I had to stay at a local shelter and missed all my midterms and finals. On XX/XX/XXXX I contacted Bank of America and told them about my serious situation and was told my claim would take XXXX days. And I couldnt get a temporary credit at all. Im currently still at a shelter in NC. The last update I got was that the college lied to the bank and told them the {$990.00} payment I made on the college website doesnt exist at all even though I have several receipts with the invoice number, the college website it was made on and the transaction history with my name on it. the bank told me I would get the money back this month but now there giving the college until May to respond again. I WANT MY MONEY BACK. the bank lied to me and told me 45 days which has passed and now there giving them until the end of MAY. NO COLLEGE STUDENT SHOULD HAVE TO END UP HOMELESS LIKE THIS AT ALL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
report XX/XX/2018, {$1900.00}, I filed for Identity theft with the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: NY
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:
Hi I recently checked my credit report and realized that the following account from XXXX  XXXX XXXX XXXX is an account I did not open. This account is really hindering my credit report and in result can not get a mortgage for a house I'm trying to buy.

Company response to consumer: Closed with explanation