BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: IL
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:
While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : I found that your agency has prepared my consumer report with inaccurate information ; which is a direct violation of 15 usc 1681e ( b ). The FCRA states that you have a duty to assure me that information being reporting will always be 100 % accurate and you have failed. 
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 XXXX XXXX XXXX XXXXXX/XX/XXXX I have faith that you will complete a full, proper, and legal investigation as described in the FCRA. After you complete your investigation please mail an updated credit report with all the changes to the address listed above. This investigation must be completed in 30 days once you have received this letter. According to 15 usc 1681i ( a ) ( 5 ) ( A ) inaccurate or unverified able information must be deleted once your investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I RECEIVED A LETTER OF DENIAL FOR A CREDIT CARD.ENCLOSED WAS 3 REPORTING AGENCIES PROVIDING THE CREDIT CARD COMPANY WITH INFORMATION WHICH RESULTED IN THE NEGATIVE DECISION.I CONTACTED 2 OF THE 3 AND SUCESSFULLY RECEIVED ASSURANCE OF MY REPORT BEING FORWARDED.TRANSUNION TOTALLY AUTOMATED. " SELECTIVE HEARING '' TO MY ANSWERS.WRONG ANSWER IN THEIR OPINION SUCH AS WHERE I NOW LIVE SAME AS WHERE I RECEIVED LETTER OF DENIAL SAME AS OTHER 2 AGENCIES AKNOWLEDGED AND I WAS FORCED TO START OVER AND OVER IN A LOOP.I WAS TOLD TO CALL BACK WHEN I HAD CORRECT INFORMATION.I CONTACTED THEIR CUSTOMER SERVICE AND WAS GIVEN A THIRD TOLL FREE NUMBER TO SPEAK TO A " LIVE '' CSR.NOT SO.WORSE LOOP.NOTHING CORRECT, DRIVERS LICENSE BIRTH DATE SS NUMBER ALL '' WRONG '' AT SOME POINT.DEAD END.CANT REQUEST ANYTHING.LOCKED OUT.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 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 2023-04-04
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Amount {$2500.00} Date Opened XX/XX/2020 This account was settled with XXXX XXXX years ago and agreed that it was opened fraudulently and that I am NOT responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: MA
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 have had an XXXX XXXX XXXX credit card ( administered initially by Bank XXXX XXXX ) for years without issue, always paying my full monthly balance each month through an automatic withdrawal from my bank account. I use this credit card only occasionally for travel expenses and otherwise mostly rely on other cards for my routine day to day expenses. A few months ago, my credit card account was transferred from Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) without any notice, written or otherwise, to me. At the same time my longstanding autopay was cancelled. I was not furnished replacement credit cards or other notice that the small monthly ( non-delinquent ) balance of a few XXXX dollars was being transferred to a new bank, without my autopay, and without a chance for me to easily pay the balance. I did not notice an issue with the credit card as I do not regularly use it when I am not travelling. XXXX began to leave me voicemail messages simply asking me to call their XXXX number without giving other information, I assumed this was spam as I had no known accounts with XXXX. They finally sent a written notice via mail to my home address demanding payment for an outstanding balance ( showing an account number last XXXX digits that I did not recognize, without any other statement details, including the amount owed or other details that would verify that the notice was not spam/junk mail ). This led me to call them and finally understand that they had taken over my account, cancelled my autopay, and now charged me several late fees and interest, and reported my account as delinquent to credit rating agencies, all without having given me proper notice or a chance to pay off the small balance. I immediately paid the outstanding balance ( they did waive the late fees and interest ), and closed the credit card account. The credit reporting issue is the a major outstanding problem, as I am looking into buying a home very soon. Since my account was not properly handled and I was never given an appropriate opportunity to pay the balance, the delinquent notice on my account is inaccurate and should be immediately removed from my credit reports to repair my credit before I seek financing for a home mortgage loan. I have never had issues with credit card debt and this issue will significantly impact my otherwise excellent creditworthiness. When I called XXXX with this issue, I was told they would " look into it but can not promise anything. '' This is not an acceptable response and I need my credit to be repaired 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 explanation
Consumer complaint received 2021-09-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/21, I received a phone call with the ID as " TD BANK '', and the number was the exact number on the back of my debit card. I was on the way home from a 12 hour shift and was mentally exhausted ( I work in XXXX XXXX  ), and was told there was money being stolen out of my account through XXXX  on my mobile app as several bank transfers. I immediately started to panic because I struggle financially and can't afford fraud. I was suspicious off the bat, however the fact that the phone number was literally the number on my debit card, I thought that it was trustworthy ( plus I'm supposed to have some sort of fraud protection right? ). So I approved the transaction while the woman from the " bank '' was on the phone with me and walked me through what I thought was denying the transaction, but turned out to be approving it. The money totaled {$2500.00}, which put my account into the negative by {$1100.00}. 

I went to the bank a week later to check on the " claim '', and was told that there was no claim and that it was fraudulent. The bank then told me to wait from the fraud department to handle it and call me. This ended up taking weeks until I was finally denied my claim on XX/XX/21, and then again on XX/XX/21 with the same reasoning. 

I now just received a phone call from TD telling me that I am now in collections for that XXXX, despite the fact that this money was taken from me, and I have called their fraud department upwards of 10 times and waited on hold for over an hour multiple times. I do not have the money to pay this, as all my money was just stolen, and the bank has cleaned their hands of this entirely. I am practically begging for some sort of assistance, so I would really appreciate a call back asap. 

Thank you so much for your time and help P.S. I do have documents from the bank to explain this, however it has much personal information on it and the directions here explain not to share that, so I will wait for some sort of contact first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Wed XX/XX/1920, XXXX XXXX initiated a payment from his XXXX XXXX   to XXXX XXXX XXXX Chase Checking Account via XXXX. The transaction was an on-line transaction ( not mobile ). The account number for the Chase Account was missing ONE DIGIT. As soon as we realized the problem, we called XXXX and were informed ( twice ) to NOT worry, the transaction would fall to a bad account and never complete. After a few days without getting the $ back, we contacted Chase Bank and realized the bad account number that was entered on-line was actually a valid personal checking account number. 

At first Chase offered to assist us but then called informing us that there was absolutely nothing they could do. Chase would not re-route or transfer the money to the original or correct account! Chase would not reach out to the account holder in any way. They did call the bank branch in Michigan, but the branch would also NOT agree to contact the inaccurate account holder. Chase claims they were bound by privacy policy and could not let the account holder know the money was incorrectly deposited into their account. Can you imagine if Chase had made this mistake into your account!?!? 

There was no name validation or any other validation of any kind. 

We also contacted XXXX BXXXXnk multiple times. XXXX XXXX  would not even try to assist us like Chase did. 

XXXX and Chase Bank BOTH offered a manager to call us back but neither one ever followed up with the promised phone call!!!! 

Chase Bank Bad Account ( missing the '1 ' ) AN XXXX RN  XXXX Chase Bank Good Account AN XXXX RN XXXX XXXX  AN XXXX RN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: KY
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 sent removal of charge off letters to, experian, XXXX and XXXX on XX/XX/XXXX and a follow up letter when they did not respond on XX/XX/2023, these letters were certified and correctly addressed. When the disputes were finally answered I was confused when the disputed items were inaccurate. It appears the standard MOV was used. Cushman vs Transunion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet the court ruled that the creditors could not merely parrot data from the collection agencies that were required to conduct a REASONABLE investigation to ensure the validity of the debt ...... The e-Oscar system is for disputes is not how you fully validate REASONABLY ... Also U.S. Code 1681i States information in reference to the 30 day rule ... the Credit Bureaus responses were untimely and inaccurate ; My second charge off letter highlighted the fact that the first letter was responded to inaccurately to the dispute i made under FCRA 611a. yet they continue to protect the sellers and abuse the consumers and sell our debt to collection agency who have police like tactics in terms of threatening citizens. XXXX XXXX has gotten its Vehical back from me in good faith in a volunteer way after 3 years of on time payments! and now your trying to rip me off for XXXX, more, for a XXXX car. 3 years of payments of {$640.00} a month... and you want {$11000.00} and when I turned it in it was in perfect condiction!...

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It XXXX concern, I was a victim of identity theft. On XX/XX/2023 I went to look at my credit report. I have all these collections and none of these I recognize and I do not owe them any money. I have contacted all XXXX major collections agencies and with little help from them which is why I was referred to come here since this is all fraud and I'm just trying to make my XXXX XXXX accurate for me and my family.

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 2018-06-30
Company: CITIBANK, N.A.
State: HI
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: Card was charged for something you did not purchase with the card

Complaint:
Ive been to an establishment here in XXXX Hawaii several times where the person charging the card has either intentionally over-charged or made a mistake. I notify my credit card company ( Citibank ) of the over charges and they have all but these last two times stopped the payments. The payments total {$4500.00} dollars from the dates of XX/XX/XXXX and XX/XX/XXXX. I spoke with a representative twice who said they are investigating but the charges have not been removed after 2 weeks now.

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 2021-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently submitted a complaint to Wells Fargo bank and once again Wells Fargo did what Wells Fargo does best, they once again said that they will not be able to forgive my loan because I used the money from the equity line of credit a Wells Fargo Banker open on my behalf without my permission. This is the tactic Wells Fargo has used to increase its profits. As I explain in my previous complaint, back in XXXX I refinanced my house with Wells Fargo, after my refinance went through I received in the mail an approval for an equity line of credit, I confronted the bank about the situation and they told me that the equity line of credit was a product that came with the refinance, which later on I learned it was a complete lie. In order to open an equity line of credit I would have had to sign in front of a notary and I NEVER did that, in fact when the banker showed me the paperwork the signatures from the Equity Line of Credit did NOT match my signature from my refinance documents, the bankers forged my signatures, anyway, that is not the worst part, the worst part is that in XXXX there was a housing financial crisis, my family and I, as well as thousands of other American families where struggling to make their payments, that is when I decided to use the equity line of credit A wells Fargo employe had open for me without my content. 
I have told Wells Fargo on many occasions that I did, in fact, used the money, however, if the Equity line of credit wouldn't have been opened without my content I wouldn't have used it and wouldn't be in this situation today. 
When I've been to the Wells Fargo branch to make my complaints about this situation the bankers had confessed to me that yes in fact they were pressured by Wells Fargo to open a certain number of accounts on a daily basis in order for them to keep their jobs. 
Wells Fargo has admitted to its wrongdoing of opening the equity line of credit without my permission and they have sent me a {$50.00} check since XXXX I have paid Wells Fargo over {$90000.00} in interest I don't believe a {$50.00} check will do much. I am asking Wells Fargo to forgive my loan as I am a retired veteran that is truly struggling to make ends meet.

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 2023-09-29
Company: EQUIFAX, INC.
State: AZ
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:
I am writing to file a formal complaint against your organization for the persistent and unsuccessful attempts to remove fraudulent items from my credit report. Despite multiple efforts to address and rectify these fraudulent entries, my credit report continues to be marred by information that is both false and damaging to my financial well-being. 

I have meticulously followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence that incontrovertibly demonstrates the fraudulent nature of these items. However, your organization 's repeated failures to take appropriate action to rectify this issue are causing substantial harm to my creditworthiness and financial stability. 

It is imperative to stress that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies and fraudulent activities are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the fraudulent items on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and decisive action to investigate and remove the fraudulent items from my credit report. If it is confirmed that these items are indeed fraudulent, I insist on the following actions : Swift removal of all fraudulent items from my credit report. 
Removal of my credit report to accurately reflect my financial history and creditworthiness. 
Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate removal of these fraudulent items from my credit report. I am asking for your assistance to remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation