BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I contacted Equifax about a month ago and was told that I wasnt me or something like that I answered every question that they asked and still wasnt able to get my report I cant even login to the website even after doing everything right it is time to talk legal action against them if you can point me in the right direction this is the same company that messed up millions of peoples accounts and still have no answers for that someone needs to investigate this company ASAP they dont have my score right or any of my information I am tired of them and something needs to be done about them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX You are in Direct violation of The Fair Credit Reporting Act XXXX XXXX XXXX has violated several of my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2022-12-28
Company: Block, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have over XXXX in my CashApp and I dont have the old phone or email I had when I made the account so I have no way to verify the log in but I have proof of identification I have state ID card past bills and I know the password to the account I just cant get past the verification I have tried to call multiple times theres no way for me to sign in or get the funds from my account and I need to access my money. I have XXXX XXXX  proof to verify who I am just not an old phone and they basically said I cant have my money that I know is there. Thank you, I just really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: MO
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:
XXXX and Equifax have my current address incorrect. The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX is a property that XXXX XXXX owns. 
My Address is XXXX XXXX XXXX XXXX XXXX Missouri XXXX. 
I have asked them to change this for several years and they ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened my Chase checking account on XX/XX/XXXX at the Chase branch but my account was locked on XX/XX/XXXX and closed on XX/XX/XXXX. I called on XX/XX/XXXX to resolve the issue with the customer service center and the XXXX office but just received a call today as of XX/XX/XXXX that my account was closed without sharing any information. 

When I called when my account was locked, I told them about some possibilities related to the incidents that happened back in XX/XX/XXXX, and below is what I shared. 

I received lots of checks from my previous company and accidentally deposited about six checks twice on XX/XX/XXXX and I requested them to be canceled one by one on XX/XX/XXXX through the app. Then my account was locked and I ended up calling them to follow up but they told me the bank decided to close the account. I tried my best explaining what happened and what actions I made but they just hung up and closed and then charged an additional fee for each canceling transaction. 

I made a mistake, but quickly made action to solve it but the bank closed it without reading my cancellation request messages or considering my follow-up calls. 

This is unfair to a customer who tried his best to fix the mistake with an excellent credit score and no criminal records at all. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: AMERIS BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Ameris Bank on XX/XX/19, followed the step which is two monthly direct deposit of {$250.00}. the fine print said to have two monthly direct deposit of {$250.00} within 90 days upon account opening a {$100.00} bonus will be deposited to the account after 60 days, it's almost 90 days now, a bonus was not credited to my account. I call customer service several times action was not taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/2022, I, XXXX XXXX, sent out a letter to XXXX XXXX XXXX  because I became aware through my consumer reports, that they were violating my rights as a consumer. 

Pursuant to 15 U.S. Code 1681a 2 ( A ( ) i ), XXXX XXXX reported my experience with them onto my consumer report. Giving information out concerning my utilization activity. 

I never gave XXXX XXXX any written permission to report such experiences onto my consumer report. Pursuant to 15 U.S. Code 1681b, again I have been violated. 

As a consumer, XXXX XXXX has not respected my right to privacy, pursuant to 15 USC 1681 ( a ) 4.

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 2023-06-06
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-08-23
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: Personal information incorrect

Complaint:
I have several letters to XXXX, XXXX, and Transunion advising of incorrect names, addresses, birthdates, and socials. They only responded that they updated the information ; however, all files still show incorrect personal information. When I called, they stated they could not remove the incorrect information. This has caused me to get denied loans and credit because my identity could not be verified. These letters were all sent within the last year, with my last attempt being in XXXX of 2023.

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 2020-07-28
Company: U.S. BANCORP
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2020, I contacted US Bank to place a stop payment on charges to my checking account from XXXX XXXX. The representative I spoke with advised me of the {$35.00} fee, and I agreed. The {$35.00} was applied to my checking account. I was under the impression ALL charges from XXXX XXXX would be refused as unauthorized. 
On XX/XX/2020, a charge in the amount of {$150.00} was withdrawn from my checking account and paid to XXXX XXXX. I contacted US Bank on XX/XX/2020 to request the charge removed from my checking account as I had previously removed authorization for XXXX XXXX to withdrawal from my account. The representative I spoke with understood my concerns, and advised the original stop payment was not done correctly and credited me the {$35.00} stop payment fee. I advised her I did not care about the fee, as I had agreed to it, but I need the {$150.00} back. She reassured me the {$150.00} would be removed within 10 days, and I would receive a form to complete and send back. 
I faxed the completed form on XX/XX/2020. I called US Bank twice to check on the status of my return. The second call, the representative advised my claim was denied. 
Please reconsider this decision. I did everything in my power to contact US Bank to remove the authorization and paid the fee to have the payments from XXXX XXXX stopped. If the stop payment was not done correctly or not done for all amounts, I would not have the knowledge as the consumer to know that. I am also very concerned additional amounts from XXXX XXXX could be taken from my bank account. 
I have had this account for nearly 20 years.

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 2022-12-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

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 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 Capital One 360 advised of closure of my checking account because I complained about their poor service. After several telephone complaints where Capital One 360 refused to properly service my checking account, they subsequently decided to close my accounts affecting my credit and my ability to open another checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have paid the items that we had discussed and the company was to remove the report. I tried to dispute it and now they just added it to another account. Capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing to file a complaint regarding a debt on my credit report that has not been properly addressed by the credit bureau. 

Despite my requests for deletion and validation, the credit bureau has failed to respond within the required timeframe. 

I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. 
Here is my tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been more than 30 days and the credit bureaus failed to send my investigation back. 

However, the credit bureau failed to respond within the required timeframe of 30 days. Despite multiple attempts to follow up with the bureau, I have not received any response to my request. 

I believe that the credit bureau has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and respond to my dispute. I request that the debt be removed from my credit report immediately. 


According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I am currently under daily unbearable stress with this situation with Shellpoint Mortgage. This situation seemed to have derived from the Loan Modification done with my home in XXXX, which did not cause an issue until my mortgage was obtained by Shellpoint Mortgage. 

Since the modification in XXXX there was a period of me not being able to pay when I did come off XXXX as a XXXX in XXXX shortly after the start of the Pandemic, due to the Pandemic. 

However, in XX/XX/XXXX I was able to do a forbearance with the mortgage and the previous mortgage company and things were getting back on track. The forbearance ended on my mortgage in XX/XX/XXXX, and I began making my regular payments. I made the regular monthly payments from XX/XX/XXXX to XX/XX/XXXX. My loan was transferred to Shellpoint in XX/XX/XXXX. I tried to make my monthly payment for XX/XX/XXXX online and the site would NOT allow me to. I also noticed at that time the Modification seem to not be honored any longer because the past due amount and outstanding balance, both were totally different from the previous month with my last lender. 

I placed a call to Shellpoint inquiring why I could not make a payment online, why there was a difference in the loan balance, and why was the past due amount incorrect. The young lady on the call assisting me seemed confused on what was going on with the loan. But she did clearly state I could not make the one monthly payment I was trying to make. I was told the online system would not allow me to make any payments until the past due amount was paid. I replied with, the past due amount is incorrect, and I did not have that amount of money it was claiming was past due. 

I have been unable to get Shellpoint to correct this and honor the Modification I was under prior to transferring to them. I reached my point of total frustration with this when I received a credit alert showing Shellpoint reporting my loan past due for the incorrect amount, when I tried to make payments and was not allowed to. 

I really really need assistance in correcting this issue before it prevents me from continuing in the XXXX. Any delinquencies or past dues will cause my clearance to be revoked and in my job, I have to have a valid XXXX XXXX. No clearance, no job... XXXXthis affects my livelihood. 

Your attention to my matter is greatly appreciated!!! 

Very Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
n accordance with the Fair Credit Reporting act 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 this is a charged off account there shouldnt be a passed due amount as well as this being fraud this account was used in south XXXX i have never been there before in my life this company is a bunch of thieves ruining my credit and life essentially this account is also still reporting to my credit report even thoough its charged off once a account is closed it can only reflect late up to which it shouldnt be on my report at all still ruining my life how long will i have to deal with this unjust i have a couple lawsuits on there way to the cfpb, and the reporting agencies please handle 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Apparently my identity was stolen and someone opened a account with Kay Jewelry Comenity Bank I been trying to explain to XXXX XXXX XXXX that I was a victim of identity theft and I have rights regarding this debt, nobody verified the debt with me or anything as of today the debt is not on my credit report but this against the fair credit act and I will be taking legal process if it appears on my credit report.

Company response to consumer: Closed with explanation