BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX XXXX Re : Cease and Desist False Reporting Contact To Whom It May Concern : This letter serves as notice to you and your company to immediately cease and desist erroneous credit reporting. 
Pursuant to the Fair Credit Reporting Act for fair and legal reporting debt, we demand that you and your company stop the monthly charge offs. 
We closed our account in XXXX due to fraud and you have placed over 50 charge-offs since then. You are deliberately keeping the account open to justify the reporting monthly charge-offs. Per your website, members must maintain a {$5.00} balance to keep accounts open. We have had a zero balance in the account since XXXX. Yet, every month, you send a statement reflecting a zero balance savings account claiming that the account is open. This is a direct conflict with the minimum balance requirement per your policy. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ), this falls under non-compliance with the law and false reporting. 
In addition, this constitutes a breach of contract since the original credit card agreement does not authorize the re-charge debt. 
If you continue to issue charge-offs, we will be forced to take legal action against you for violation of the Fair Credit Reporting Act and will seek all available damages and remedies. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file the are a few student loan entries that does not belong to me, these student loans are a result of identity theft, which resulted with me filing a previous police report back in  XXXX , with the University  XXXX   XXXX . These student loans were opened up unbeknownst to me which I was incarcerated ( date of  XXXX  Date the fraud occured :  XXXX / XXXX / XXXX  ; amou nt ( s ) :  {$1700.00} ; {$3000.00} These students loans are old and have been sold, repackaged, or transferred to another agency/ or department. The student loan issue was litigated back in  XXXX , and have since been removed from my report  (   XXXX   XXXX   XXXX  University  XXXX   XXXX  and  XXXX  ).     Now, I Have "   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   posted on my report from the same time period the prior students loan information post posted previously, dating :  XXXX / XXXX / XXXX .     This same issue with the fraudulent student loans has come back and repackaged.

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 2023-10-01
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and 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 2017-05-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX  refused to provide details about an account they are reporting as charged off on my credit reports from  XXXX .   Report states it was a 39 month lease plus  XXXX  " failure to pay '' for  two  separate months well after lease ended. The  Statute of Limitatiins is long past even based on their reporting and it also is very close to 7 years ago.       XXXX   XXXX  told me I could ONLY get details from a collection agency and stated specifically they refused to provide ANY information ( e.g., copy of lease agreement, type of car, amount allegedly owed, etc. ). The refusal violate s the Fair and Accueate Credit Transactio ns Act.     I have had a few Fords through my life and I have ALWAYS made my all of payments. All of them. I have previously tried to get information from them on the account without success. They confirmed that it was their practice to refuse to provide any details regarding items they have reported once the debt is transferred to third party agency.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is still reporting student loans that were transferred to XXXX on my Experian credit report. I disputed with Experian and they say XXXX says it is valid. Which I have emails that prove otherwise.

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 2023-06-13
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: Account information incorrect

Complaint:
Since XXXX XXXX XXXX I reached out to companies that reported negative marks on my credit report for verification and true accuracy through various letters. These companies have issued responses that include everything but accurate verification, such as billing statements. I have since reached out once again and to each credit bureau : Experian, XXXX, and XXXX, through certified mail enlisting my concerns for derogatory accounts that report on my credit. The bureaus have deleted some accounts, but overall neglected majority of my investigations by stating the " accuracy '' of these accounts with no proof from the companies or allowing these accounts to repost. 

( XXXX ) XXXX XXXX for {$4100.00}, reported as charge off by original creditor, sold to another company from original creditor, disputed by myself after being contacted by 3rd party creditor, now reported as charge off by original creditor again. 

( XXXX ) XXXX XXXX {$880.00}, deleted by XXXX. Reported by Experian and XXXX under different account numbers and different company. Experian responded that the bureau does not acknowledge accuracy from a fellow bureau as a reason for not deleting this account. 

( XXXX ) Different accounts all from XXXX XXXX XXXX were disputed by me and then sold to Midstate company after asking or verification. All accounts have same account numbers, but range in amounts owed. I created an investigation with each of the bureaus, XXXX deleted all accounts. Experian and XXXX deleted some of the accounts and refuse to provide information or proof of accuracy for why the remaining accounts continue to report. 

XXXXXXXX XXXX as accurate for the last 3 months from XXXX and XXXX, but Experian reports as delinquent for 60 days still. I have reached out to both XXXX and Experian ( XXXX ). XXXX states that they have no control for removing " late payments '' and Experian has not responded.

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 2022-02-22
Company: VW Credit
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I believe XXXX XXXX, XXXX provided VW Credit with fraudulent documents in order to transfer the title for my XXXX XXXX XXXX to XXXX XXXX, XXXX. I mailed VW Credit a request for all the documents and correspondence exchanged between itself and XXXX XXXX, XXXX XXXX XXXX XXXX but have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

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 2021-05-17
Company: CITIBANK, N.A.
State: DC
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:
On or around XX/XX/2021. Citibank closed both of my line of credit due to my recent complaint with the cfpb. ( See resolution letter ). 

Im currently disable with social security income. Closing my account because I reach out to the cfpb will be a hardship to my life as I look for an apartment with a section 8 voucher from HUD. 

It is very clear the the account was closed due to readdressing under the 1st Amendment to the Constitution.

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 2022-04-26
Company: U.S. Auto Sales 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: Account status incorrect

Complaint:
US AUTO FINANCE/US AUTO has been reporting worng for the past 5 years. I have called them directly as well as sent a letter. This accoutn was in a bankrupty back in XXXX 2016. I have asked them to fix this and also for the report bureaus to update this as well and they still have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 purchased a car i n 2015. A fter purchasing my vehicle through  XXXX   XXXX , I see that over  XXXX  inquiries were processed on my credit report without my authorization. I contacted Transunion directly to inform them that these were unauthorized and they were in violation by allowing these to remain on my report without any proof that these were initiated by and for me. They sent me a letter back saying that they would not remove them. I am thoroughly disappointed that the credit bureaus are allowing things to be reported without any proper documentation or proof. I will attach all documentation for this matter as well as ALL unauthorized inquires on my report.     Thank You for your attention to this matter.

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 2017-05-15
Company: EQUIFAX, 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:
XXXX  Disputed {$1000.00} collection on my Equifax and   XXXX   reports, providing documentation that the account was not past due and payments were being submitted  XXXX  Sent letter to collection agency disputing the amount  XXXX  Equifax sent a letter stating that they had removed the collection amount from my report  XXXX  Sent the Equifax removal to   XXXX    XXXX  Checked my credit reports and both Equifax and  XXXX  had the same amount on my credit report again from a different collection agency  XXXX  Submitted online dispute of the item  XXXX  Equifax reported that the investigation was complete ( same day response ) and the item would remain until   XXXX    XXXX  Submitting copies of evidence  to Equi fax and   XXXX   to dispute again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: WELLS FARGO & COMPANY
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:
Wells Fargo has transferred an equity loan account without my consent or knowledge for what they claim was for administrative reason. This is a false statement as the loan in question, now account No XXXX was secretly transferred to release the tile of the primary mortgage prior to the home 's foreclosure in XX/XX/XXXX and was done so a year prior to said foreclosure all while Wells Fargo was supposedly working with me regarding a loan modification. Wells Fargo seemingly was looking to make good due to the outcry of predatory lending claims by millions of former Pick-a-payment customers. The loan type has since been outlawed and Wells Fargo settled a class action law suit, of which i opted out of, for millions upon millions of dollars, which equated to {$700.00} - {$1200.00} dollars per victim ( pennies on the dollar ). Wells Fargo was also found guilty of not modifying troubled home owners during the housing crises, me being one of them as i was denied on multiple occasions from XX/XX/XXXX-XX/XX/XXXX with one approval claiming to be a modification but was nothing more than baking back payments back into the loan without changing any note payment terms. with that said, Wells finally agreed in XX/XX/XXXX to work with me and modify my home as they should have done back in XX/XX/XXXX-XX/XX/XXXX, so what did they do? well they did n't go back to see if i should have been approved back in XX/XX/XXXX-XX/XX/XXXX when I had a ton of debt and a hefty mortgage payment, instead they based my mod qualification on my current finical state, which had dramatically approved since I had stopped making my mortgage payments on a predictor loan in favor of paying all other upstanding credit grantors.Needless to say I was not approved for a home modification and Wells Fargo foreclosed on my primary home selling the home for 100K less than I was looking to pay in a modification.
My latest complaint was forwarded to Wells Fargo 's Executive Resolution Specialist XXXX XXXX, who I immediately identified a s a  person with a predetermined position and was just looking to find only information that supported his narrative. I requested his removal directly with his supervision XXXX XXXX XXXX, as I felt his personal opinion was introducing a bias investigation. XXXX XXXX never returned my calls or responded to my many recorded requests left on her voicemail to remove and replace XXXX XXXX. Should this latest attempt fail to resolve this issue I will file a formal suit for punitive damages of a minimum of XXXX XXXX dollars.

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 2021-05-18
Company: Santander Consumer USA Holdings Inc.
State: TN
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 have been sold to another lender. As to my research I am no longer liable for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
The XXXX XXXX XXXX replied with a letter XX/XX/2020. They addressed the issue about this bill. I disputed this account several times. They stated they would cease any attempts to collect on this bill. They said they would contact the bureaus if they wanted to resume collections. Equifax has failed to remove this from my credit file. I think the credit bureaus should be held accountable. This changes a person credit history tremendously. This affects people lives. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
A few years back someone committed fraud on my bank accts. I reported the transactions to the banks as fraud but they denied my claim and made me reliable. Because of this I can not open any major bank accounts. This is making problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX, there were XXXX deposits ( XXXX checks ) made into my and my son 's checking account for the amount of {$1400.00} each, totaling {$2900.00}. Subsequently, on XXXX and XXXX there were XXXX withdrawals for {$1400.00}, {$70.00}, and {$1400.00}, totaling {$2900.00}. The deposits and withdrawals were unauthorized and not ours. <P/>The checking account was restricted by Chase, JP Morgan on XXXX due to the checks being fictitious and were therefore returned to me. The bank also charged {$48.00} total for service fees of the XXXX returned checks. <P/>The checks were from a company called XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, New York, with the bank check routing numbers being from an account in California, and the fraud was committed at an ATM in XXXX, Illinois. <P/>The checks were not my son 's, nor do they match his signature, we have proof we were in XXXX at work and school. There has never been in the history of the checking account any ATM deposits until XXXX/XXXX/XXXX when these transactions occurred. <P/>I contacted Chase on XXXX in person at a bank, then again called on XXXX and filed claims about the deposits and withdrawals. All of my claims have been repeatedly denied. I escalated the denials to Chase Executive Office via a Chase Bank Branch Manager. Chase repeatedly tells me that I am being denied due to two reasons : 1 ) the account was being " monitored '' and 2 ) I did not submit the claim in a timely fashion, when federal law states that I have two years to file a fraud claim. <P/>I have even contacted the company in New York and researched them on-line and contacted them and they are obviously not willing to fix this problem either. <P/>On XXXX/XXXX/XXXX, XXXX XXXX from Chase Fraud in  XXXX, Ohio ( who was the specialist in charge of my account for this situation ) told me that he froze one of my accounts and it will remain that way until I pay the negative balance on my account. After our discussions, he did unfreeze the account but withdrew the {$2900.00} from one of my other accounts instead to make the account positive and in positive balance standing. <P/>I did everything I was supposed to do. We have excellent credit history not just with Chase but all of our financial institutions. We have NEVER filed a claim before with Chase or anyone else. I have filed a police report and have the report number. I want the {$2900.00} back that was stolen from our account and that Chase in turn deducted from me when there is blatant fraud that was committed and they repeatedly deny this to me. <P/>The company already has ALL letters, signed claims from me, proof of signatures and has been offered attendance records from my son and I at school and work and they did not ask for these. I even suggested for them to obtain the ATM video from the ATM in Illinois and obviously they did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: FIRST ADVANTAGE CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
An eviction record has been placed on my report.   I was not evicted and the lease was terminated through a bankruptcy proceeding.   Bankruptcy case #  XXXX .   Bankruptcy case was officially discharged.   Local eviction case was dismissed in local court but the record is still showing on my report.   Apartment community  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX , GA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CITIBANK, N.A.
State: NY
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:
I'm writing this complaint with the CFPB because of XXXX ' blatant refusal to rectify the issue. I purchased ( XXXX ) appliances from XXXX a side-by-side refrigerator ( {$1800.00} ), an over the the range microwave ( {$530.00} ) and a XXXX gas range ( {$940.00} ) ; via Citibank 's shop-your-way card with deferred billing Interest for 12 months. The delivery date was set for XX/XX/XXXX. However, XXXX reschedule the date for XX/XX/XXXX. XXXX delivered the refrigerator, microwave and attempted to deliver a range that I did not order. I refused that range. They would not give me a date when the correct range would be delivered, so I asked them to cancel the order for the range and refund the cost of the range to my card. To date, that request has not been fulfilled. Keep in mind that my first payment was due on XX/XX/XXXX before my delivery date of XX/XX/XXXX. I told XXXX I would make a payment on XX/XX/XXXX after I received my goods on XX/XX/XXXX. I made a payment of {$260.00} on XX/XX/XXXX and another payment on XX/XX/XXXX. To date XXXX has not deducted the price of the range and is adding accrued interest on the total amount of the ( XXXX ) appliances, not minus the range. I have not received any information regarding the billing dispute filed on XX/XX/XXXX. I am left with no recourse but to file a complaint for deceptive and non-transparent practices.

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