BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report 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

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 2017-07-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX -  XXXX   XXXX   Ran a credit report for myself. Buying a house. We noticed that Chase card services has reported a late payment on my account. The missed payment was their fault or the fault of my bank ( FirstBank ) that they contracted the ebill service with. The event occurred in   XXXX   XXXX  . A payment " due date '' was missed, because they did not send an e-bill to my bank, and thus it was not automatically paid as usual. A series of phone calls from unknown numbers, at strange times of day began, where no one left a message. I was finally available to answer one, spoke to the person on the other end who was apparently an agent of chase, and was completely unaware of the missed payment until that point. I made up the missed payment right there on the spot, and the account has been current since, and it was current for at least 5 years prior to that. Never late, once, never, ever. Now we manually make every payment out of fear that something like this will occur again. Chase made a mistake. They changed something that prevented the ebill, and did n't notify us in an electronic manner that anything was late or missed. The account was current, and I 'd assumed all was good at that point.
 XXXX - XXXX  Ran a credit report again. See they have reported this event as my fault to the credit reporting agencies. This demerit mark on my account history has potential to cause future problems, so I submit a dispute to get the incorrect negative information removed.   XXXX   was the only company who I was able to do so.   XXXX    I tried to submit a dispute and the web page code was broken.   XXXX    I could not even find out where to dispute it. Once you close the web page it is gone forever.
 XX/XX/XXXX  I receive a notice from  XXXX  that the item in question was " updated '' as a result of my dispute. I look at the " updated '' report today, and I see the " 30 days '' item remains. From looking at this report, I ca n't tell what was updated, and I have concerns that something was made further negative. It is of concern that they ca n't just tell me the exact action that was taken, even if the action was " no action ''. I have to assume " no action '' based on what I see, so I 'm escalating this complaint.
My complaint is primarily against chase card services. Also  XXXX ,  XXXX , and  XXXX  provided no tools to incite the proper correction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Father diedXX/XX/XXXX XXXX XXXX, has a Wellsfargo Checking and Savings account, I XXXX XXXX  am the daughter and trustee, ( see proof ) went into Wellsfargo bank in XXXX   Ga said cant give money!!!!!! I am the trustee see proof! And Mr XXXX was a veteran!

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 2023-08-04
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: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-09-23
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, I XXXX  XXXX XXXX to discuss a billing error ( not a fraudulent charge ). I dialed the number on the website which unbeknownst to me was a spoofed XXXX site. 

After explaining my billing issue, I was told an old XXXX I had traded in was never wiped clean of my banking information. I was asked to download an app called XXXX so he could unlink the old phone. He had me make two transfers from my M & T banks XXXX service - one for {$1500.00}, the other for {$990.00}. 

When I asked how I would be refunded, I was told to go to a convenience store and purchase XXXX  gift cards so he could refund the money. I had no intention of purchasing them, but I wanted a witness to what was happening. Mr. XXXX XXXX, the manager of the XXXX XXXX in XXXX, NJ agreed to be a witness to this scam. 

I went immediately to my M & T branch in XXXX to report the fraudulent activity. Because I do not have a separate XXXX account, my only recourse was to file a dispute with the bank. 

My dispute and two appeals have all been denied because I was scammed, not frauded. I have received no written or email correspondence from M & T. I only know about the denials because the branch manager verbally informed me when I kept going to the branch to check the status of my claim.

I believe my rights under the recently published CFPB compliance aid that prevents banks from exploiting loopholes in Regulation E are being violated. In XXXX, the CFPB ruled that a consumer who is fraudulently induced into providing account information has not furnished an access device under Reg E.

I have supplied the two attached articles to the bank, and they are still denying my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: OH
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 am contacting you today due to the lack of concern with Experian, XXXX and XXXX. I have been disputing collections and derogatory items from my credit report for several months now. I have also disputed many through the actual creditor or collection agency. I have never really checked my credit until there was a breach at a store I normally shop at. That cause me to start checking my credit report. I have saw that I had many items that I have no known knowledge of. I have been a victim of identity theft in the past, and I also had to file bankruptcy because of it. I come to your company today to see if I can get some further help with the bureaus. I have asked for documentation, an original contract, people they talked to and confirmed these accounts with and received nothing. I have contacted the collection agencies and some of them don't even have any information to give but still report on my credit report. What I hope to get out of this is either some type of proof or documentation stating that the accounts are mine and I gave some type of permission for these accounts to be opened in my name. The companies listed below all show on all 3 bureaus. Please help. 

XXXX XXXX -XXXX XXXX XXXX {$270.00} XXXX XXXXXXXX XXXX {$280.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX   XXXX XXXX {$450.00} XXXX  XXXX XXXX {$300.00} XXXX XXXXXXXX {$300.00}

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 2023-08-04
Company: Experian Information Solutions 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:
I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items 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 these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 


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 2019-07-26
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX Equifax removed the address that is supposed to be on my credit report-XXXX XXXX XXXX XXXX XXXX, but kept the address that is not suppose to be on file. The incorrect address is attached to this complaint and highlighted in yellow and should be removed from my file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX I reached out to Citi Customer Service to enquire about a wire transfer for closing on a home. This was going to be about {$140000.00}. I was informed that based on my current status with the bank, I could not transfer more than {$50000.00} at once. The agent offered to switch me to Citi priority status which would remove the limit on transfers. I agreed. 
The following morning on XXXX I attempted to make the transfer but the system did not recognize my ATM pin. I called a customer service agent who advised me to change the pin and showed my how this could be done from my online account portal. This was the advise of the agent. However, with the agent still on the line, when I then tried a transfer, the pin was not accepted. The agent subsequently said I would have to wait for XXXX for the pin to be updated. 
Within an hour, i received an email that the pin was reset, so, I attempted to make the transfer. Money was taken from my account but the transaction showed up as pending. After XXXX hours of pending transactions, I called Citi XXXX customer service. An agent walked me through the process and noted that the email address I provided was different from the email address in my portal. I reviewed this and noted that XXXX digits were added to the end of the email address. I shared that I had received an alert that my account may have been compromised about a month before, so I changed my portal password. It is possible someone tried to change my email address. 

I have hit a wall since then every time I have reached out to Citi to resolve this issue. 'Someone will reach out to you ' is all I have been told. 
I am not unable to close on the house and I do not have access to my funds. Please help

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 2023-04-29
Company: EQUIFAX, INC.
State: IA
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 XXXX XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states " I have the right to PRIVACY '' 15 U.S.C 1681 section 604 A. section 2 : It also states " a consumer reporting agency can not furnish an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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:
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 items 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 items. 
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 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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are TransUnion, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX is in clear violation of this law. XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX has my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.

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 2021-09-23
Company: EQUIFAX, INC.
State: PA
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:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Webcollex, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I made a payment arrangement and paid off the accounts. I paid the account and received proof of payment. I presented proof of payment several times, and yet this collection agency ( which is not the one who I had paid ) has come along and placed collection status on my account and refuses to accept proof of payment for may accounts. 

XXXX XXXX XXXX, XXXX {$500.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-01
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: Information belongs to someone else

Complaint:
Experian, XXXX, XXXX, XXXX XXXX, and XXXX XXXX are refusing to remove this inaccurate information from my account. To date as of XX/XX/2023 I have not received any documents providing the requested debt validation items they should have within their files as they've only stated the information they have is correct. How is the information correct, what information do you have within your system, who completed the application, where is the credit card application, send every single file and not a credit card statement. 

Credit Bureaus REMOVE this 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 non-monetary relief
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, Equifax and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX is in clear violation of this law. XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX has my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been trying for the last 3 years to catch XXXX back car payments up, even doubling up on my payments every month but no matter how much I pay they keep adding charges on to it and I'm still falling behind and it's showing my payments are always late on my credit report. No one I've talk to has been able to help me. They say " well, it's going down '' ... .NO, it's going UP!! They were supposed to put those two payments at the end of my loan so I don't know what's going on or how to fix it. I can't pay no more than I'm paying now and I'm thinking of getting a lawyer to resolve this issue!

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