BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$12000.00}

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 2023-08-06
Company: JPMORGAN CHASE & CO.
State: MD
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:
Chase Bank / Southwest Airlines Card Fraudulent charges on XX/XX/2023 XXXX for {$550.00} and XX/XX/2023 XXXX for {$800.00} both from the XXXX XXXX XXXX XXXX 

On Monday, XX/XX/XXXX, I immediately called Chase Bank and reported the fraud. Cards were cancelled, new cards were shipped second-day, charges were taken off my account. 

On XX/XX/2023, my account shows a charge from that same hotel in the amount of {$600.00}. When I contacted Chase again about fraudulent charges, the representative told me that charge was " from the old card. '' When I asked how that was possible since Chase allegedly closed my original card, I was transferred to another person. That person told me I would need to contact the fraud investigation department, but they wouldn't be in until Monday. Looking at my statement, it shows an " adjustment '' type on the {$600.00} charge which leads me to believe they somehow feel those were legitimate charges, which they can't be because I was nowhere near XXXX or XXXX XXXX on those dates, in fact was in XXXX XXXX at a concert and then XXXX XXXX for a birthday celebration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have reached out to the companies and they approved to REPAIR the accounts in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX, XXXX XXXXXXXX

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 2023-02-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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

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 2023-07-26
Company: EQUIFAX, INC.
State: IL
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: CT
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: T.S. Holdings
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX : I discovered a dip in my XXXX score, proceeded to pull my credit reports and found a fraudulent claim/identity theft. I filed an identity theft-related request online with XXXX XXXX XXXX 
XX/XX/XXXX : Results received from XXXX : declines identity block. 
XX/XX/XXXX : I received a statement via XXXX from XXXX. XXXX XXXX XXXX XXXX claiming that I owed a debt to XXXX Apartments in CA for the amount of {$5000.00}. 
XX/XX/XXXX : I sent a XXXX XXXX return receipt letter to XXXX. Data to dispute their fraudulent claim and attached the XXXX XXXX, RI Police Incident Report that I filed on XX/XX/XXXX. 
XX/XX/XXXX : I received correspondence from XXXX. Data requesting notarized paperwork to confirm my identity and proof of residence in RI. 
XX/XX/XXXX : I sent via XXXX certified return receipt mail with the requested documentation. 
XX/XX/XXXX : I receive a statement from XXXX. Data claiming that I continue to owe their client, XXXX Apartments in CA, in the amount of {$5600.00}. 
XX/XX/XXXX : I resent all the previously requested information via XXXX certified mail with return receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing CHARGED OFF our second mortgage XX/XX/2008. We did not receive Tax form 1099-C. Now that the home has built equity SPECIALIZED LOAN SERVICING is requesting an inflated amount to be paid. How can a mortgage company request payment for a charged off debt? Is this legal the tax incentives were provided on this money? Is this company targeting my household due to RACE and location of my home 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 2023-06-09
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I co-signed a private student loan my daughter took out through XXXX XXXX. She took out another loan which her mother cosigned. Her mother and I divorced years before my daughter took out the loans. Wells Fargo bought XXXX XXXX Without my knowledge, Wells Fargo combined the loans my daughter took out. I was paying off the loan for which I cosigned and discovered Wells Fargo 's move. I contacted Wells Fargo several times and was told the error was corrected. This was many years ago and I heard nothing more from them., Recently I received a letter from Wells Fargo stating they were transferring their student loan division to XXXX XXXX and indicated I was still responsible for a cosigned loan. Given my conversation with Wells Fargo was many years ago, I shredded all the documents from XXXX and Wells Fargo. I have also received a letter from XXXX with an amount. This is not XXXX XXXX 's error but Wells Fargo.

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 2022-04-13
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: Public record information inaccurate

Complaint:
I got a car loan from XXXX XXXX XXXX some time back XXXX and the truck was not making any profits and I returned the truck to the seller. 
I had a financial settlement with XXXX XXXX XXXX, the settlement was paid but they never cleared my name from the Credit report since XXXX. 
Apparently out of business and can not be traced.

Kindly help me fix this issue.

May I have an investigation report about my current credit status.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
A XXXX freeze was placed on my business account on XX/XX/2020. I sent out certified letters back in XXXX, XXXX to several TD Bank Facilities. However, my request for an answer and inclusion of this problem has gone unanswered, and I am requesting that my funds be returned immediately, and my loan be forgiven. I did try to complete the forgiveness of the loan with help of a specialist via telephone, who was sure that that would have worked. Unfortunately, my forgiveness was blocked for this alledged mistake of my business receiving a XXXX PPP Loan, and now I am also in debt with the SBA as well, which makes it even more difficult for me to apply for funding to get my business back up and running. This has caused my family to be faced with devastating hardships and adversities. We've been faced with a lot of agony, pain, and suffering. We have never endured such hard times or faced as many obastacles since the freezing of our business account, which was the primary support for my family. Therefore, I am asking that my account be reactivated and funds returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I awoke to an email from CapitalOne stating that my account ending in # XXXX was restricted due to an SBA request for the EIDL amount. I contacted SBA prior to contacting CapitalOne & they knew of no restriction at that time. The amount was approximately {$71000.00}, so hardly chump change to most people ; however, not once did either of your customer service points along the way show any empathy for the gravity of the amount of situation. After a very long hold, I received XXXX who preceded to interrogate me & have me beg for my funds. I dont need to give my detailed account because the call was recorded ; however as was stated in my complaints, XXXX uses his position of authority to bully people & this is unacceptable. Im still awaiting resolution from SBA or CapitalOne currently ; however, thats not the point of this letter / complaint. There is no excuse for bullying behavior at any time & especially with your customers. As a successful small business for 19 years, I understand the value of a customer & customer service. XXXX supervisor, XXXX, could also be reminded of that in my opinion. This letter & complaint is not just for me, but for all the other small businesss & clients XXXX, XXXX & your company bully and stall.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Friday XX/XX/XXXX I received a text message indicating that my father sent me {$20.00} through Cash App. I clicked on the link to receive the money and it took me to download the app. Once the app was downloaded I went through the process of signing in. at one point it asked me to confirm the card number XXXX. I did not recognize this as the last 4 digits of any of my cards so I chose whatever option was at the bottom of the screen indicating that I was not able to complete this task. The app then took me through the process of what I realized after was creating a new account. After this was completed I went back to the original text I had received to accept the {$20.00} and I was informed that the money was already claimed however the {$20.00} is not in the account I had just created. 

When I informed my father of this he confirmed that when he went to send me the money it indicated to him that I already had an account. In the process of setting up the new account it asked me to enter my debit card number, it was through doing this that I realized the " XXXX '' was actually the FIRST 4 digits of my debit card, therefore this also indicates that I already had an account prior to the one I had just set up. 

I contacted Cash App that same morning via an online customer support message. I did not receive a message back until the next day, Saturday XX/XX/XXXX. I responded to the message from XXXX and included as much of the information she was requesting as possible. I did not receive another message back until Monday XX/XX/XXXX and that message was from XXXX, asking for similar information. I replied to this email and did not hear back again until yesterday XX/XX/XXXX from yet another person, XXXX, again asking for the same information that I explained in the previous emails that I did not have. 

I called Cash App yesterday and spoke with a customer service representative and explained my frustration with the email communication and requested to speak with one person to resolve the issue. She instructed me that I would need to communicate via email for security reasons. I asked to speak with her manager and she was unable to connect me with a manager. 

No one is able to provide an answer or explanation as to where the {$20.00} went.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 I sent a dispute letter to Experian along with my ID I received an email on XX/XX/2023 that it does not appear to be sent by me. I did send the letter and I feel that they are violating my rights by stalling and not having to look into the account. This is not the first time Experian has done this to me. I sent letters on these dates for the same account and received the stall letter each time XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and now XX/XX/2023 XXXX

Company response to consumer: In progress
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I recently pulled my credit report from all 3 bureaus and found many errors that I have requested to be updated or removed and the bureaus are not doing as I ask. They will simply put a statement that says " Meets the requirements of the FCRA '' but it does not meet the requirements when section 602 is being violated. I ask for physical, documented proof that these accounts are mine and they REFUSE to provide the information requested. 

1. A company by the name of XXXX XXXX is reporting a XXXX  XXXX account that has been turned over for collections. They list is as being opened on XX/XX/2017 but no inquiry shows up on my files to show that I even applied for an account with XXXX XXXX because I never had an account with them that was a sole account of mine. When I call this company they will not provide me with the original contract, why? Because NO CONTRACT exists. The credit bureaus are in pure violation of Metro 2 Compliance that specifically says all information being reported to the credit bureaus must meet certain and proper formatting and they do not. Much of the information is missing and this is a Metro 2 Compliance violation. This account with XXXX XXXX is only listing XXXX no one can legally contact XXXX XXXX with such account information and therefore it is incomplete and a major violation. 

2. XXXX XXXX is reporting an account, once again the bureaus say it meets the requirements of the FCRA, I am demanding written proof, meaning a hand signed contract that says this account is mine. I have never had XXXX and yet they are reporting this on my files. Also incomplete and missing information makes it very hard to validate so once again a Metro 2 Compliance violation is taking place. The only thing being reported is a partial account listed as XXXX this is not a valid account number and needs to be removed immediately or send me verification in the form of a signed contract from the creditor showing this is mine. 

3. Also they each have many old addresses being reported on my files along with many names that are incorrect and need to be removed. The only thing that should be reporting is my current address of XXXX XXXX XXXX XXXX XXXX, CO XXXX, and two names XXXX XXXX and XXXX XXXX XXXX. 

Immediately removal of the above information is demanded or I want them investigated for FCRA Violations. 

3.

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 2020-07-28
Company: GEMINI CAPITAL GROUP, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I want to connect my XXXX account to my Gemini account so I can purchase XXXX but it isnt allowing me to connect the account even though I have all the correct criteria

Company response to consumer: Closed with explanation