BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureau the date of the last letter was on XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED  XXXX* DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: FL
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:
Hi I recently went to get a credit report for all three credit reports and two or three of them have me with zero establish credit and being I never ever had my license I cant of had an auto loan like it says I do an auto mortgage a house mortgage in a repossession Ive never owned a house nor have I had a card nor my license and Im not deceased this is a really bad time to have a horrible mixup or a breach or something you guys did wrong I also never had a bank account get close on me I still have the same exact account and I paid the balance to keep that account everything is wrong and you guys are doing the worst please get back to me ASAP Im starting school my masters program in less than a week and I cant get a loan or anything because you guys messed everything up and its wrong and I need a loan for school and a card to build credit and you guys have me with things I never even had or done Please I have nobody or anyone my child though and I need credit everything is wrong and I need a school loan this isnt right I start in a week and all of it is terribly wrong I cant believe you people XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: MD
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account 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, 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 cannot furnish an 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 or 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 2020-12-29
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
please help me immediate ..my mom admit in hospital ... i am helpless..i am serious ... please help me immediately ... please immediately transfer fund .... otherwise today suside please open attachments respected sir please help me immediately.. please transfer fund account no XXXX state bank of XXXX account holder name XXXX XXXX XXXX swif code - XXXX TRANSFER FUND XXXX XXXX please open attachment file please help ..i am helpless ..plese transfer fund..plese understand my problam..plese feel my tears i am helpless..otherwise suside Attachments area

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I requested balance transfer of {$1300.00} to pay off XXXX XXXX from US bank. The initial transaction had some issues so US bank told me they had canceled it and then I made another balance transfer of the amount {$1300.00}. The second time it was processed and the payment of {$1300.00} went through. Later I notice the first transaction was also posted to my account which I did not authorize and was supposed to be canceled. I called the usbank 5 times to get it canceled before it was posted and in all instances they assured me that it was canceled/stopped! Now XXXX XXXX has cashed the cheque, usbank is saying they cant reverse the transaction or credit. Ive talked to multiple people at usbank but received no solution. I just want the transaction and the fee charged with it taken off my 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 monetary relief
Consumer complaint received 2022-03-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I deposited my apartment keys in the rental slot with a notice of XXXX XXXX. I was unable to fulfill my lease obligations due to my income being insufficient beyond my control with the rent increase, food increase, due to inflation caused by the Covid 19 pandemic. I received a {$6000.00} bill for only lease violations. 
There was absolutely no bill due to XXXX XXXXXXXX actually losing money or damages due to the not staying out the entire lease period. I have reason to believe that apartment was rented the same day at {$2200.00} or more the market rate. My rent was {$1500.00}. XXXX XXXX profited by my loss. XXXX XXXX should be attempting to return my security deposit instead of being unscrupulous.

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 2023-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX I Filed Claim with Chase Bank regarding the release of {$2400.00}, posted to our account on XX/XX/XXXX to an unidentified " depositing bank '' who released {$2400.00} to a party not the payee of the check... .all of which was unauthorized by us the maker of the check. 

On XX/XX/XXXX Chase Bank Claims Dept acknowledged our check claim, stating two major points : ( 1 ) " The bank that accepted ( our ) check is responsible for repayment.

( 2 ) " It may take 90 days or more to resolve '' ( a copy of this notice can be provided for verification ) On XX/XX/XXXX Chase Bank Claims Dept Update, stating two major points : ( 1 ) " As we explained when we opened your claim, the depositing bank is responsible for repayment. '' ( 2 ) " If we haven't heard anything from the depositing bank within 90 days of the date of your claim submission, we will close your claim and your funds will not be recovered '' ( copy of this notice can be provided ) On XX/XX/XXXX Chase Bank Claims Dept Update : the emphasis again is, " If we haven't heard anything from the depositing bank within 90 days of the date of your claim submission, we will close your claim and your funds will not be be recovered '' At this point in time, I can only conclude from these brief notices that Chase Claims Dept is only interested in closing the claim in the 90 day period and not as was said in the notice dated XX/XX/XXXX, stating, " It may take 90 days or more to resolve ''. 


In a future communication ( s ) I can provide CFPB with additional information, copies of which support the above. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 non-monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX47 XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/

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 2020-12-29
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: Old information reappears or never goes away

Complaint:
I have an XXXX XXXX XXXX. The hologram is not on the card and XXXX is making it appear as though I never closed the accounts. Its a scam. The card was stolen and my cell cloned. Its a network. If I buy something. They sell me a fake and they take the money. The same with XXXX. Someone hacked my IPad. It is showing that they are using XXXX and streaming.Yet I am charged for the service. 
They cloned my car key. The open the door before I get to the car. They joy ride and steal out of my car. 
In addition, my cellular is constantly compromised/cloned by some cowards and any clothes that I purchase, are sent from some cheap front like XXXX and my money stolen. I have reached out to the police who think I am lying. I have proof. I purchased a pair of XXXX XXXX sandals years ago. Someone continuously purchased/stalked the same items as me, they purchased fake items and would replace my items with theirs. They stole my car and chopped it then replaced it with XXXX parts. A colleague indirectly told me what was done. I am being victimized and targeted with no help from the police. The ( XXXX ) apartment complex allows people in my apartment, car, and intentionally leaves doors open. When I leave, someone enters my apt . They have stolen money, jewelry, and they cut my designer clothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-03-21
Company: Credit Card Acquisitions Group
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collector FOSTER AND MONROE LLC Date opened XX/XX/2023 Original balance {$1300.00} Requested validation of the debt that Foster and Monroe are attempting to collect i request detailed breakdown of the charges including the original agreement for services, documentation of my payments, and any other relevant information associated with this collection i have also written to all credit bureaus requesting the same As required by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of the debt, including the following : Documentation that proves the debt is valid and that you have the legal right to collect it. 
A detailed explanation of any interest or fees added to the debt. 
I would like a complete and accurate record of any payments made on the debt, including the dates of those payments. 
The original creditor 's name and the amount owed. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am asking that you provide me with the following information : A clear explanation of the nature and amount of each interest and fee charge added to the debt. 
The basis for each charge, including any legal or contractual basis. 
Documentation or information supporting the validity of each charge A detailed description of the legal basis for your actions in collecting the debt, including any applicable laws, regulations, or contracts. 
Information about the statute of limitations for collecting the debt in my jurisdiction. 
Until I receive this validation, I dispute the validity of this debt and demand that you cease all collection efforts immediately from all credit bureaus. 
Please send this information to me in writing within 30 days of receiving this request. I look forward to your prompt response. 
Send copies of my ID and social security Letter sent XX/XX/2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware of this collection account once I applied for a new mortgage due to the impending sale of my current home and reached out to this company to have it removed. I even offered to pay them even though I had no knowledge of the debt without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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:
Due directly to COVID-19, financially my family were directly affected. I was able to close several creditor accounts and work out a payment plan. This was to avoid bankruptcy and hurting my credit. One creditor, XXXX XXXX who recently bought out bank, XXXXt is now my creditor with XXXX card card. XXXX XXXX XXXXt is the new creditor. Ive tried several times to work out a payment plan with XXXX XXXX but each month, XXXX XXXX would not offer me any assistance. Finally, in XX/XX/2021 XXXX XXXX agreed to a customer assistance program which I pay {$150.00} per month starting with XX/XX/2021 then every month thereafter. XXXX  XXXX continues to report negative information as to 30 and 60 days late to my card report. After filing a complaint with XXXX  on XX/XX/2021, XXXX XXXX in a letter, dated XX/XX/XXXX, XXXXagreed to remove the negativity of 30 an 60 day late reporting on my credit report. On XX/XX/2021 XXXX XXXX  again reported 30 day late on my credit report. I again filled another complaint with XXXX on XX/XX/2021 and awaiting a response. I also made complaint to you and with experain. On XX/XX/2021 experain completed their investigation and did not change the false, inaccurate and inaccurate reporting on my credit report. This is completely wrong and reckless investigating by experain. No changes to my credit report and experain has not performed a proper investigation. If so, with supporting documents sent, this inaccurate reporting would have been corrected by experain. I am now relying on you, XXXX XXXX and XXXX  to accurately correct this false, misleading and inaccurate reporting by XXXX XXXXXXXX and experain credit agency has not properly and lawfully investigated this damaging information on my credit report. Please see documents as to being in a customer assistance program, paying XXXX payment of {$150.00} on XX/XX/2021 then next payment taken by XXXX  XXXX directly on XX/XX/2021 then each month thereafter. Letter from XXXX  XXXX agreement to remove the 30 and 60 day negative reporting also attached. Also recently completed experain complaint I filed where they did nothing but agreed to what is obviously false and inaccurate negative reporting by XXXX XXXX but did not do Anything to assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
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:
Many times I've expressed concern about identity theft. Within 4 business days, you must remove/block any items that was opened without my knowledge, consent, or authority by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) 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. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXX/XX/XXXXXXXX Balance Owed : {$12000.00} ; XXXXXX/XX/XXXXXXXX Balance Owed : {$35000.00} ; XX/XX/XXXXXXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$8700.00} ; XX/XX/XXXXXXXX Balance Owed : {$920.00}.

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