BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I pulled my 3-bureau credit reports on XX/XX/2022 and noticed a collection being reported by SOUTHWEST CREDIT SYSTEMS XXXX I wrote to them to dispute the collection and requested that they provide validation of this collection. ( see my letter dated XX/XX/2022 ) I received a response from Southwest Credit Systems on XX/XX/2022 providing me with nothing that I requested in my letter from XX/XX/2022. What they provided was a letter dated from the apparent original creditor with information that reflects my name, on a letter to Southwest Credit Systems. 

I wrote them another letter on XX/XX/2022 acknowleding that I received their letter from XX/XX/2022 informing them that I could not identify what they had sent me. ( see attachment ) To this date, XX/XX/2022, I have not received a response or any information to clarify to me that this alleged debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax failed to protect my critical personal and financial information during the their data breach. I was not notified directly by the company in a timely manner. 

I had a freeze on all 3 agencies due to previous breaches by medical payment centers. I can easily lift a freeze temporarily or permanently with XXXX  and XXXX. 

Since their breach Equifax is demanding copies of information to confirm my identity. This is information they should have to reestablish without asking me to help them rebuild my account and possibly compromise personal information in the process. My financial life became totally on hold when I tried to lift the freeze to apply for a mortgage today, XX/XX/2020. 

Consumers have NO CONTROL over the credit reporting agencies, but they have control over what they collect. It is really frightening to realize I NOW have to have a credit freeze to protect myself from Equifax!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
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:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 I took a taxi in XXXX XXXX  XXXX, used my Chase Sapphfire Reserve credit card and was charged {$1100.00}. This was fraud as the taxi ride was only {$11.00}. I have submitted two fraud claims to Chase, both being denied due them stating the transaction was valid, as my card was used before and after for valid transactions and my chip was used. I did not authorize the amount of {$1100.00} for this taxi ride. Please help me get this fraud claim approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
I have five fruad accounts appearing on my credit repair please delete all accounts. 

XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$790.00} XXXX. XXXX XXXX XXXX {$670.00}

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 non-monetary relief
Consumer complaint received 2020-03-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, We have a Bestbuy Visa card that is by Citibank. We usually pay our entire statement balance in full. The last month we paid in almost full except {$120.00}. Bestbuy/Citi is charging {$44.00} in interest for one month, that is over 30 % interest for one month! This is more than 10 times higher than the agreed upon APR of the card. I called the customer contact number on the statement and they couldn't walk me through the calculation that gets this specific interest amount for one month. Between the agent and supervisor they mentioned several different interest percentages but none add up to this amount. I asked for a reference number of the call, the employee supervisor could not provide this. They provided their ID, which is XXXX, and name XXXX. The call with them ended on XX/XX/XXXX at XXXX XXXX CST. 
Thanks, 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 2023-05-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Filed dispute XX/XX/17. Bank asked for more information ( not clear on how to submit ) and I submitted the information. Purchase was from brick and mortar and bank denied dispute because i put the item received date was the same as item purchased. I called back to get a clearer answer and representatives said they would flag it for reopening at this time I also submitted photos supporting my claim. A week later my temporary credit was removed and I called again. Again I was told the dispute would be reopened. It was not. Letter in the mail gives reason as not submitting requested information. Even the representatives on the phone were confused as to why when I called back in. They stated all information was there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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 information incorrect

Complaint:
I pay to have all XXXX credit bureaus, at my reach. I monitor my credit report and scores, weekly. I have been paying off my credit cards and my scores were rising. XXXX this is what my scores were. XXXX XXXX, Equifax XXXX and XXXX XXXX. Now nothing has changed, but me putting more payments towards my loans. ( credit cards ) XXXX Equifax credit score went down XXXX points, for no reason. I have not used any of my credit and I been paying things off. How can they just go and take away XXXX points, for no reason. This is not fair, and I am sure it's not legal. There has been no activity on my accounts, except for the balances decreasing, due to me paying them down. This is not right, and I want my XXXX points back. I worked hard to get my scores up. Again, there was no reason to take XXXX points from my Equifax score. Pleas help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: KY
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 was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

BELOW THE ACCOUNTS NEED TO BE update these has been paid. Please update it to PAID ASAP. 
XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi IC SYSTEMS COLLECTION ; ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; THIS IS NOT MINE, NO KNOWLEDGE, AND FRAUDULENT ACCOUNT. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2017-05-07
Company: Experian Information Solutions 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:
The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.     The credit reporting agencies keep on reporting it as  Paid,  was a charge-off despite that the account was paid in full not charge  off ( EXHIBIT A ).  Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.   In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of  XXXX   XXXX  and I sent a letter to both  Creditor & Credit Agencies  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full   balance ( Exhibit B ) which is wrong after getting my result of my complaint from CFPB.
The Creditor Agencies punishing consumer who exe  rcise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem which over 3 years 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 2023-05-01
Company: Checkr, Inc
State: CA
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:
My employer performed a background check via the company XXXX during XX/XX/2023. XXXX incorrectly flagged a XXXX in my criminal history, presumably due to XXXX court records for someone with the same name. When I submitted a dispute with their support team, they responded that they'd " confirmed the accuracy of their report ''. I followed up requesting assistance for further dispute and how to provide evidence that the criminal history was not mine, they did not respond. They also did not respond to my followup email. I attempted multiple times to contact their support team via phone, but was left on hold for 3 hours before being automatically disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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:
My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023 We make a wire transfer. This is the XXXX complain about the same issue. 

We have been told transfer was cancelled but after more than 2 months we haven't received our money back and the money was taken for a credit line from same company that now is charging us for the interest of a money we did not used at all as the money is in the clouds. 

In previous complaints the company hasn't responded or take any action at all.

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 2023-05-01
Company: NVR INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am having a house built by XXXX XXXX and using their preferred in-house lender NVR Mortgage to be able to take advantage of the closing cost credit they are offering of {$10000.00}. This company has done nothing but shady stuff the entire mortgage process, such as telling me they'd beat or match an offer from another company and then I literally had to work my way up the ladder to managers to get them to beat that offer. Now the latest shady thing, probably unethical and predatory thing they've done is for the past 7 months, the property taxes on all my loan estimates have been {$180.00}. 1 week before closing they issue a new loan estimate with property taxes of {$290.00}. That is a 61.1 % increase in property taxes. When I reached out to my loan officer, XXXX XXXX XXXX, he advised that the county increased their taxes. I said OK, I will contact the county and see if they did. I contact the XXXX XXXX tax collector 's office and they advised me of the opposite. They had lowered taxes from XXXX to .XXXX, and the city tax for XXXX of XXXX had not changed recently at all. When I spoke to XXXX about this last Thursday, he said that their attorneys provide them with this tax information and that they were using that information. But when you do the math out ( ( XXXX [ original tax amount ] x 12 [ months ] ) XXXX [ price of the home ] ) x 100 [ to get the percentage or mill rate = XXXX. That mill rate is very close to the previous mill rate of the COUNTY alone which was XXXX in XXXX. This is very deceptive of them to be doing when I have fought like XXXX  to get my payment down to where it was and then a week before closing they issue new loan estimates with a payment now {$110.00} more than it was. This makes no sense to me. The tax rates have been the same since XXXX, the home building process started in XXXX of XXXX. A lender should not be able to do this. This is deceptive lending and unethical at the least. They've stated that, on the loan estimates it says this amount can change, which yes it can, and I understand that. However, I don't think when that text was put there that they meant it can go up by 61 %. Furthermore, they now want me to be paying the property taxes of {$290.00} a month for the rest of the year even after I've CONFIRMED with XXXX from the XXXX XXXX tax assessors office that the remaining taxes for this year are set at {$730.00} and that they will reassess the property either in XXXX of this year of XXXX of XXXX. Once the property is reassessed my taxes will then go up. In the meantime though, the seller/builder is trying to force me to pay an amount that hasn't even been decided yet, because a new assessment has not even been done yet. If the house is reassessed in XXXX, the taxes for XXXX through XXXX will be due in XXXX. Which if I'm making monthly payments to my escrow account, then common logic would dictate that there is enough in the account for the taxes that are due in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my Transunion and XX/XX/XXXXcredit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX   account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.

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 2023-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXXXXXX ACCOUNT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/XXXX To Whom it May Concern : My family received XXXX gift cards in the amount of {$100.00} each form my father who lives in XXXX XXXX of XX/XX/XXXX. Since the receipt of those cards, we have all opened our package at different times, out off all XXXX, only XXXX has not been compromised. 
I have sent communication on XXXX of XXXX cards that were compromised since XXXX to present, with back up of receipt, ID, package and card, etc. You have verbally taken my claim on XXXX of the cards and have submitted new ones in my name for replacement. I say this as I no longer have the originally receipt on hand as at the time the XXXX card was not opened to verify if it was used already. 
If you can please look in your records under my name for past receipt that would verify my claim, along with the below information to indicate what I am saying as to when it was purchased. We did not use this card on the time or location listed below. 
Thank you for your time and consideration in this matter 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 monetary relief