BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity theft is taking the promissory note that I gave a signature to and credited that promissory note as it belongs to them and allonged pay to the order of them. and not giving me the credit which is the face value of the instrument. 
Taking signature and pretending that the instrument belongs to them They are acting like they are the ones that gave consideration. 
identity theft is stealing the signature and putting it in street name and not giving the credit 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 2021-03-15
Company: CCS Financial Services, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: CO
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:
I'm writing in regards to my XXXX  account. My credit history is missing. It only shows late payments. The " paid '' history all says no data. I've pulled my XXXX XXXX report. Both XXXX  and XXXX  show the correct payment history. Equifax report is missing this payment history. I've brought it to equifaxes attention and they state that it is reporting correct. 
I have attached that portion of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
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:
The following accounts that appear on my credit do not belong to me, I suspect my ex husband did this without my knowledge or consent, I have since been divorced from this person. 

1 ) XXXX {$59.00} opened XX/XX/XXXX ... 2 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX ... 3 ) XXXX XXXX {$0.00} ... 4 ) XXXX XXXX {$0.00} XX/XX/XXXX .... 5 ) XXXX XXXXXXXX {$600.00} XX/XX/XXXX .... XXXX ) XXXX- XXXX {$730.00} XX/XX/XXXX .... 7 ) XXXX XXXX XXXX- XXXX {$760.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I submitted a cfpb compliant ID # XXXX against XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX. XXXX replied on XX/XX/2022 alleging that I still have an outstanding balance of {$2400.00} which is different from what they are reporting to the credit reporting agencies. In XXXX response, they alleged that the balance at the time of loss was {$14000.00}. The breakdown of the settlement from XXXX XXXX XXXX, XXXX stated the contractual Payoff at the time of loss was {$13000.00}. XXXX stated that they received {$11000.00} from the insurance company and {$70.00} from the XXXX company. They did not include the XXXX refund for {$460.00} that XXXX still had as I never received a refund. On XX/XX/2022, XXXX stated in the attached response that they would mail me a copy of the audit, signed contract, and payment history. Today is XX/XX/2022 and I have still not received anything from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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:
Chase has a great deal of machines that are old and they refuse to ensure that they are working correctly for the sake of the customers accounts. On XX/XX/XXXXXXXX  ; I went to an atm that was completely out of the norm of the local atms that I use, because I was coming from an event. I deposited {$700.00} first into the atm to cover the negative balance that was tied to my account. I think entered my pin again and deposited {$380.00} to the account to make sure that the additional transaction that was due to hit my account would be covered. At that point I could hear the machine making noise and then I received a message that said " to be sure your deposit went through, please call XXXX XXXX ''. It also stated on the screen that this machine can not give or accept cash deposits. Immediately I called and there was no proof of my deposit on the automated service. So I called the next day to file a claim and they said that it would take 10 business days to for the investigation to be completed, because they were going to count the money in the machine. I asked to speak with a supervisor who informed me that the department that would expedite my provisional credit is closed and I would have to call back tomorrow to speak with another manage to have them to approve the credit. I had to go and take more money out of a different account to cover at least the overdrawn amount. I called back today and spoke with XXXX who is a Gen acct supervisor ; who informed me that Chase has a lock on my account and that I would probably have to wait the 10 days for my money to be released. In the meantime, I have other expenses that will be coming through the account that will be returned due to insufficient funds and would put me in a deeper bind. I received a letter this morning ( XX/XX/XXXXXXXX  ) from the claims department that I didn't understand. So I called and asked to be transferred to a supervisor and was transferred to XXXX who told me that she apologize but they don't show an overage and so my claim was denied. She said that they didn't have to count the atm because they have a report and she refused to look at the camera to see me adding anything to my atm. She said that she don't have to look at it and I can't force her to look at it. She said if I want it don't then I would have to request a subpoena. I ask her if they are just going to steal my money and she blew me off saying that she apologize but there is nothing that I can do about it. I don't have additional money to put into that account and I'm running the risk of my account being closed due to being overdrawn, and I already have money tied up that they refuse to give back to me. This is my hard earned money and I don't feel like it's fair to take money that does not belong to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Synchrony Bank/Mattress Firm Account # XXXX I was under complete isolation due to the Corona Virus. I am XXXX years old and for the past year I have had severe memory issues ( verifiable ) Had no income for almost 1 year. 

In addition, I never received any notice ( either by email or by the Post Office due to the incorrect mailing address ). In addition I asked them to notify me by mail and not to use my email address. The reason being that Synchrony Bank had my incorrect address. They had it listed ( still is ) under XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX. The correct address is:XX/XX/XXXX XXXX XXXX,. 
XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX. ( in a large complex ). I telephoned their customer service and was transferred 4 times. I asked that my phone call be noted and added to my calls.. They offered me a one time late payment removal. There are 5 from the beginning Corona issue. 

I am asking them to remove these late payments, remove the late fee 's. I also offer to pay any past due amounts to bring my account up to date ... ... ... .They refused

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXXXXXX XXXX XXXX date opened XX/XX/2021 credit limit {$400.00} This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of the account or service rendered.

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 2023-09-18
Company: EQUIFAX, INC.
State: GA
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:
This Person ( XXXX XXXX Credit Card ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : 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 Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.

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 2023-10-22
Company: EQUIFAX, INC.
State: GA
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Park Hill Holdings
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My father was renting an apartment at XXXX XXXX XXXX, XXXX NC. He was on a month by month basis and after terminating his lease with the rental company, XXXX XXXX XXXX ) they served an eviction notice on him as well. I have the same name as my father with the exception of XXXX being at the end of my name. I had never signed the lease and I was never a tenant. I would like this removed from my report as it was not 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 2023-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America was letting recurring monthly charges of XXXX?? go to my credit card. When I received a statement in the mail, I discovered it. I tried to log into my online account but had been locked out several months prior due to suspicious activity. I called and reported fraud. They removed the charges and reimbursed me the XXXX per month I had been paying. I later received a letter that the charges were mine. I disputed it again, and again they said the charges were mine. When I talked to the IT department, trying to get back into my account, I asked him : If these charges were suspicious enough to lock me out of my online account, why were they allowed to continue letting the charges go through every month? He said they were " separate departments. '' While I was on my online account, a new phone number had been added ( during the time I was locked out ) and a new zip code had been added to my address, which was a XXXX XXXX XXXX Bank of America said that it would show in my credit report that I dispute this. I just received a letter from XXXX XXXX, XXXX. I called them and spoke to XXXX XXXX who transferred me to his XXXX, XXXX XXXX, I explained the situation to him, and his reply was there is nothing he can do about it. The total debt is XXXX, and it is not mine

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 2023-09-19
Company: EQUIFAX, INC.
State: TX
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:
This is my XXXX 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, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: SECURITY FINANCE CORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.

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 2022-12-17
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:
I sent a letter addressed to the Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX : {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given 2 American Express Reward Cards upon my retirement on XX/XX/XXXX. One in the amount of {$1000.00} ( XXXX XXXX XXXX ) and the other in the amount of {$500.00} ( XXXX XXXX XXXX ). The cards were set aside and unused. When I decided to use them it came to my attention that they expired on XX/XX/XXXX. I called American Express to get them replaced and they indicated that these are SWEEP cards that effectively are use it by the expiration date or lose the money. On their web site there are several reward card agreements and the majority of them do not have a use it lose it by date. The cards have no information on them that indicates they are a SWEEP card. 
I spoke with several customer service representatives on XX/XX/XXXX and they all informed me that while it is clear the cards were never used, they will not replace the cards and effectively American Express is keeping the money. These cards were acquired in California and I do not believe this action is legal. I find it hard to believe a large company like American Express would stoop to this level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-06-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After filing a complaint against Pennymac Loan Preccessing with your agency, I got a call from them within XXXX hours. Thank you! 

Unfortunately they said they would send an email deleting my erroneous late fee and that I owed an amount of about {$97.00}. I don't think I owe that but to make the problem go away it is worth it to pay that amount. 

I got an email from them but it did not reflect what the customer service rep explained. I will not talk to them on the phone again and will communicate via email only ( they said they would send an email about our discussion but I have not seen it ). 

Please register this second compliant. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


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 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