BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
I submitted a dispute with Experian on XX/XX/2021 in regards to something appearing on my credit that I did not recognize. It stated it was a collection agency for a past due account from XXXX XXXX XXXX  XXXX XXXX. With this dispute I submitted proof of payment to XXXX XXXX XXXX  XXXX XXXX. Within 2 days, they stated they finished their investigation and found this to be correct. That leads me to believe they did not do ANY investigation and did not review the proof I submitted. Experian continues to report illegally on my credit report.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint regarding a dispute I raised regarding an account on my credit report. Despite my efforts to rectify the issue, the account has been inaccurately verified by the reporting agency. I am seeking your assistance in rectifying this matter. 

Account Information : XXXX XXXX XXXX XXXX Experian Under the provisions of 15 USC 1681 a2 and 15 USC 1681 s2, it is my understanding that I have the right to request the information that the reporting agency received from the creditor in response to my dispute. However, when I requested this information from the reporting agency, they failed to provide it.

I firmly believe that the account in question has been incorrectly verified. I respectfully request that you conduct a thorough investigation into this dispute and take appropriate action to ensure the accuracy of my credit report.

I understand that it is within your authority to compel the reporting agency to provide the information they received from the creditor as part of their verification process. This information is crucial in demonstrating the accuracy or inaccuracy of the reported account.

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 2021-03-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo has declined to make my economic impact payment of {$2800.00} available and has stated more than once that they will make the funds available even though that have received the funds from the treasury department early. They received my federal tax refund and made that available early. It was made available XX/XX/21 with a scheduled deposit date of XX/XX/21. Both the economic impact payment and the federal refund come from the treasury department. Large banking institutions holding funds that are to be dispersed to struggling Americans is corporate greed. Its wrong and it should not be allowed. The president announced we could receive these funds as early as this weekend, and some people have began receiving their payments as of Friday, XX/XX/21.

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 2021-03-14
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good afternoon, I am writing to you regarding an account that I have previously disputed in XXXX  that account is not mine and it is damaging my credit history, I do not have nor have I had a credit card in the past with the Macys department

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 2023-10-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$2500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
JPMCB CARD at JPMCB CARD XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of ( {$11000.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
The collection agencies in question have not removed the accounts from my credit report yet rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't. 

Also please removed hard inquiries on my credit report Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Below is the investigation i send you last week... you send me a letter saying that you closed the account because you feel i did not place the complaint..yesss it is me... XXXX XXXX ... .how do you just assume that it is not me? re open the investigation on these 3 complaint id 's... 

XXXX XXXX XXXX i have attached 2 documents for proof on the below i was divorced from XXXX XXXX since XXXX of XXXX  and the judge as part of the divorce agreements ordered me to be removed from her student loan debt to XXXX XXXX XXXX  account I contacted all 3 bureaus and send them the same copy of proof that i have attached here .... They've all send a letter back stating that the account will not not be removed..this is unlawful as this was ordered by a judge... .please help have the bureaus remove this account from my report

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company 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 2023-08-02
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My parents were divorced when I was XXXX XXXX XXXX. 

I was raised solely by my mother. 

My father died XXXX of 2010. I'm a adult and have/had no means to take responsibility of his home or property. 

I'm an adult and he or his other adult children had no right to illegally sign/notirize my name to his land or mortgage and address it to his daughters home mailing address. 

The file shouldn't be attached to me. So far I've been denied XXXX ( XXXX XXXX income ) due to too many resources and I have none and the law firm assigned and the State of Oklahoma refuses to delete or remove the file. 

Never should my adult life be ruined with my father 's remains upon his death I was and will never in a position to live as he did. 

The property is not mine. It shouldn't be attached to me that causes random collection calls of taxes due and many people have began to name their children after me and XXXXor create imposters/doppelganger especially spouses that don't exist that often times lurk at the stairwell of the apartment complex where I currently reside attempting to recover from being homeless. 

The house and property is not mine ; he/they had no right to sign my name anywhere or notorize it to me ; I was an adult upon his death without any proper means or lifestyle to payoff his debt and he has/had 3 other adult children that he raised as military brats while married to my now deceased mother that he could of attached his death dead debt to especially based off the fact that he and them had solid relations as a family ; we didnt, I was raised as a complete bastards child by my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I spoke with Equifax representative in XX/XX/2022 regarding my last name being misspelled on credit report. I also sent letter back in XXXX. I have not received any other communication from Equifax that this matter is being addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. 
I previously sent all my documents to XXXX, XXXX, and Equifax, regarding the theft of my identity. They blocked the fraudulent information from my credit reports for one month, and then re-inserted it back into my credit reports without explanation which is in violation of the FCRA. 

I am requesting that the fraudulent accounts and inquiries be blocked permanently from my credit report. 

Incorrect Address still appearing on my credit reports : My ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please, remove the inaccurate addresses appearing on my credit report. 

Accounts as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of identity theft : EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX via EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX I request that you block the fraudulent accounts from my credit reports and send me an updated and accurate credit report. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/2022 I applied for a balance transfer from Barclays XXXX credit card A few days later I noticed that Barclays had taken money from an account unrelated to my account. Barclays took this money and gave it to another account, unrelated to me.

Barclays still charged my account I contacted Barclays and told them " You took money from someone and gave it to another and still charged me! '' It has been almost a month and nothing but the run around. 
Barclays is charging me interest and set a date for the first payment on XX/XX/2022! 
Barclays " We are investigating, it could take up to 60 days! '' What is there to investigate? Barclays took money from another persons account and gave that money to another persons account and still managed to charge me, for this!

I've included a screenshot that shows Barclays transfer from an account ending in XXXX ( not my account ) I have XXXX credit card account with Barclays that ends in XXXX Thanks for your time

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 2019-07-09
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The purpose of this credit repair letter is to inform you that the derogatory accounts on my credit never had my permission to go through my credit report and I have asked them to remove any negative actions from my credit. Some of these accounts like XXXX and security credit services were contacted by me, explained and sent proof that these acts are not mine XXXX because I was no longer living at that property and had called and canceled all services and Security Credit I was a victim of identity theft. Since I did not authorize these companies to obtain my credit report, I demand that these items be removed immediately and and my credit score be adjusted accordingly. I appreciate your attention in this matter. 
Respectfully, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Opportunity Financial, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no knowledge of any account with Opps Loans. I have talked to customer support and they agreed to remove the information and they never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 dropped off my XXXX XXXXXXXX XXXX XXXX for warranty work on the rear windshield. There was a crack on the inside of the vehicle near the heating element. A previous spokesperson had said that the crack was not caused by impact and would be covered under warranty. I also had a 2nd opinion by a professional car company in XXXX. I was then charged without my permission by XXXX for the repair. The amount was XXXX. I disputed this with my credit card company and they refused to cooperate with me. I send all the information they requested and they will not communicate with XXXX. The vehicle was left incomplete and with my car has missing parts in the rear dash.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Tranferwise deactivated my account and cancelled all the transactions that were in the amount of {$660.00} {$990.00} {$990.00} {$990.00} {$1300.00} That is total of {$4900.00} taken out of my account. When i call customer service they tell me we didn't take any money nothing was taken out of your account so there will be no refund. I am going crazy since a week calling customer service over and over again all i get to know is we dont owe you anything there is no refund coming. 
I have attached my bank transaction that completely shows money is taken out. They are just scam trying to take money fraudulently. Easiest way for them is to take money from bank and then deactivate tranferwise account saying we don't owe you anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
We have {$4800.00} of charges on our credit card account charged by XXXX XXXX within three days of one another. We have a XXXX  account but the monthly charges are only usually about {$100.00} per month. We have disputed the charges with Bank of America and the claim was denied because they claimed the charges are consistent with our account history which is completely absurd.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2023-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
A month ago, I opened a personal checking account with Chase because I had received a cash bonus coupon by mail. I was supposed to get a {$220.00} cash bonus after I get an electronic payment of {$1000.00} ; however, after I received several electronic payments, which their system recognized as direct deposit, Chase refused to fulfill their promise to grant me with the cash bonus, stating that they only honor payroll or retirement direct deposits, which was not originally in their terms and conditions. Electronic payments are still counted as direct deposits, and I should get my {$220.00} cash bonus, which inspired me to open that checking account, and Chase deceived me by making me sending me a welcoming coupon and refusing to honor my bonus. I feel very devastated, used, and abused now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: VA
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:
In 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.

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

Company response to consumer: Closed with explanation