BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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:
I have a collection account that does not belong to me and several inquires showing on my credit file that i did not authorize.

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 2023-11-15
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:
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. 

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  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 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 2023-06-19
Company: Kriya Capital, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credence resource manage {$200.00} XX/XX/2023 i dispute it and. They keep re opening ot

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: DE
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:
While reviewing my credit report I noticed some inconsistencies. I noticed that listed there are 8 open accounts when there should be a total of 9. The XXXX XXXX account XXXX is missing. I also noticed there are closed accounts which is student loans from XXXX which I asked that they be removed because they were opened 12 years ago.. Also a violation may have taken place because the same loans are reporting as re-opened or Re-aged in 2017. I am asking that a full detail investigation is completed and that the accounts are removed as soon as possible. Per FCRA accounts over 10 years max should can be removed ... I also see inconsistencies with XXXX XXXX account XXXX and due to that I am asking that all late charges be removed or the account altogether be removed.. On Experian the balance is being reported as {$9800.00} while on XXXX and XXXX the balance is reporting as {$15000.00}. 
Also inquiries that include XXXX XXXX, XXXX, XXXX, and XXXX XXXX I am asking that they all be removed because I did not request credit with these creditors.. 
Thank You 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 2023-11-16
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
There is an inquiry on all of my personal consumer report from XXXX ( XXXX ) that I did not make or recognize, and would like to have it removed and report updated from XXXX, XXXX and Experian credit bureaus.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the FCRA ( XXXX XXXX XXXX acct # XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 


Account Name : XXXX XXXX XXXX acct # XXXX, has violated my federally protected consumer rights. 

According to the FCRA 15 U.S. Code 1681i ( 2 ) ( A ) ( i ) report containing information soleley as transactions or experiences between the consumer and the person making the report. 
15 U.S. Code 1666 ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered is mailed or delivered to the consumer not later than 21 days before the payment due date. 



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 record of conviction of crimes which antedates the report by more than seven 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 2022-03-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I applied for a card using a brochure that my partner brought home from a flight. 

The no annual fee for the first year was appealing and so I applied, and received my credit card. 

In XXXX, I used it immediately and the first statement showed the annual fee. I called in XX/XX/XXXX to see if this was a mistake. I received a generic letter as a response on XX/XX/XXXX. It did not answer why I did not get the annual fee for the first year waived or credited back to me. 

The supervisor who took my call indicated that I had not filled out the application and handed it to an XXXX XXXX personell at the time the brochure was given. 

This ridiculous, tepid response negates the language on the front of the brochure which I am attaching. 

Would you review and determine if I am incorrect in understanding what no annual fee means? I understand that it is a fee that provides me benefits and that the subsequent years I have the card, I would pay the fee. 

Thank you for your consideration. I am attaching the brochure, code XXXX. I used this information when I applied online so I did not fill it out. I also attached the response I did receive from Barclay 's. 

XXXX XXXX XXXX XXXX XXXX card number is XXXX XXXX XXXX XXXX. 
I am XXXX XXXX I reside at XXXX XXXX XXXX, XXXX, FL XXXX My email is 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 2020-04-10
Company: JPMORGAN CHASE & CO.
State: WI
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 was charged for the below Amazon Digital purchases on my Chase credit card from purchases made via my Amazon account. The charges were for XXXX gift cards. I did not make these purchases. I have opened a dispute with Chase which they have closed and indicated that they would not refund due to me " receiving benefit from the purchases. '' I have also tried to contact Amazon multiple times and have not been able to get them to help me. I have repeatedly asked for someone from Amazon 's fraud department to contact me but they have not. 

XX/XX/2019 - {$75.00} XX/XX/2019 - {$50.00} XX/XX/2019 - {$75.00} XX/XX/2019 - {$75.00} Based on my experience, I believe that the following article describes the security issue that allowed these purchases : https : XXXX I believe this because I have two step authentication set up on my Amazon account and did not receive notification when these purchases were made. Amazon has not been able or willing to tell me where these purchases originated from. 

So I guess at this point, I'm not sure if the responsibility is for Chase or Amazon to refund these fraudulent charges but it has been very disappointing that neither company has been willing to work with me on resolving this. I am a longtime customer of both companies. 

I have been working with both companies since these charges occurred and just recently received the notice from Chase that these charges would not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: IN
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 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 : its also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to XXXX with account number XXXX and talked to them about the issue with my account as reported by the XXXX Credit Bureaus. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status is still reported. I am not sure how the Bureaus came up with this remark. They have failed to investigate properly. Also, the comments do not confirm to the payment history that is being shown in my report. Please update the status of this 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 non-monetary relief
Consumer complaint received 2018-06-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My husband and I received a postcard invitation from Citizens Bank offering a special rate of 2.50 % on a 15 month cd with a minimum deposit of {$1000.00}. We could not be current Citizens ' customers, and we would have to open a checking account there too. On XX/XX/XXXX we went to XXXX XXXX XXXX and withdrew {$5000.00} from two Cds there for a total of {$10000.00} and a total penalty of {$340.00}. We took the {$10000.00} to Citizens to open an account there. We were told by the teller that we would have to match our {$10000.00} cd amount to a checking account or another {$10000.00}. We protested and asked to talk to the manager, which we did. Both the teller and the manager apologized for the lack of information on the card to clarify the matching feature. Obviously {$10000.00} in a no interest checking account would be XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: JPMORGAN CHASE & CO.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Chase Bank has held my US {$5000.00} money for XXXX weeks. This was sent as a wire regrettably due to a single digit error I had entered in the receiving person 's account. 
The routing number as well as XXXX XXXX 's name and address were properly entered on the XX/XX/XXXX wire. 
I contacted my bank ( XXXX ) the following day ( XX/XX/XXXX ) when XXXX XXXX did not receive the wire. XXXX indicated my account entry error was noticed by Chase Bank ( XXXX ) and that the money would be returned. Last week, XXXX put in a formal request for me. From my call to XXXX today I am at the whim of Chase Bank. 
The reference number for the XX/XX/XXXX wire is XXXX. I called Chase Bank XXXX today XXXX pm XXXX XXXX. Chase Bank 's Representative " XXXX '' told me that since I do not have an account, Chase Bank will not help me. XXXX XXXX and I have lost the time-value of this money. 
This certainly was my mistake, but XXXX weeks over a single digit being a XXXX instead of a XXXX with the account 's correct name and address? This doesn't help with money velocity either. I do not have a Chase account. The person receiving the wire has the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Information on my credit report is outdated

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 2019-06-20
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC currently service by Shellpoint Mortgage Servicing. 

I stopped receiving monthly mortgage statements in XXXX of 2019. I could not confirm how they arrived at the mortgage amount due from month to month and the amounts varied greatly even though interest rates have remained fairly stable. 

Now I see that in XXXX of 2019 they are scheduling to draw over {$4000.00} from my account for my mortgage payment, when last month they took just over {$3300.00}. I do not see how they could be calculating my mortgage correctly when I see a {$700.00} payment swing in my mortgage payment in a stable interest rate environment. 

I contact them numerous times about not receiving a statement earlier in the year and all they could say was they were having system issues. 

I highly question the accuracy of their calculation of my monthly mortgage. 

Please assist me in ensuring that I receive accurate monthly statements to ensure that I know what I have to pay and can understand how my monthly payment can swing by over {$700.00} from one month to other in this stable interest rate environment. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX and Transunion are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.

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 2022-05-06
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am no longer an authorized user on the XXXX XXXX  account ending in XXXX but its still reporting to my credit score.

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