BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: MI
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:
privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX XXXX # : XXXX, XXXX  XXXX # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX # : XXXX, and XXXX XXXX # : XXXX, have 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Wells Fargo auto loan and wire transfer article sent me to this site to make a complaint for a class action suit I believe it's all very confusing but I know just from going into the bank they are very unscrupulous when dealing with them. 

thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I was taken advantaged of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me finical injury, along with defamation of character I am unable to obtain my dream job due to these actions, I am completely unable to receive any lines of credit, these actions has also cost me any hope of receiving any SBA loans to help me through this crisis

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 been contesting items on my credit report that appear to be fraudulent. The things are not in question, and they have not been removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to have an impact on my credit score. I have demanded that an investigation be launched, as well as verifiable proof be provided if the things claim to be mine. ENOUGH is ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMETHING DONE? CHECK THE ATTACHMENTS! NOT IN ROCKET SCIENCE! You requested documentation, which I have provided. AGAIN, AGAIN, AGAIN! This is my last choice before I consult with my lawyers and file a lawsuit for full compensation and damages. Please remove this. 
XXXX XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX : {$800.00} ; XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance XXXX {$3900.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX, L ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2023-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I activated a credit card offer with my Freedom Flex card from JP Morgan Chase and never received the advertised credit. I followed all instruction, activated the offer beforehand, and made a significant purchase believing I'd receive credit back. The exact language of the offer was that purchases made with this merchant would receive 10 % back as credit to my account balance, up to XXXX dollars. From my purchase, I should have received {$33.00} back as my purchase was for XXXX. I've been on and off the phone almost every other week since mid XXXX and it is now XXXX. 

Chase has refused to provide me the credit and hasn't honored their promises to follow up via phone call or even come to any resolution at this point. At first, they asked for a receipt and screenshots of the offer. I provided them this information and then their story changed to " we can't see offer details at all on our side ''. If they can't see these offers, why are sending them to customers and then not honoring them. 


Transaction Date : XX/XX/XXXX ; Posted : XX/XX/XXXX Phone Calls ( XXXX have missed a few in XXXX ) XXXX ( roughly ) : First attempt and they told me to wait XXXX business days XX/XX/XXXX or XX/XX/XXXX : I called and they told me they would fix it. 
XXXX : Received a letter saying no. I called back and they told me it was submitted wrong on their end. 
XXXX : I called again and a representative told me all previous representatives had filed everything incorrectly and would create a new case on my behalf and to give them XXXX business days. I was told I'd receive a call back. 
XXXX : After no updates, I called in. The representative told me they would need proof of the offer. They told me to send it in via secure message which I did following the phone call as I'd screenshotted it and also supplied the receipt. 
XXXX : I received an email saying they couldn't complete the request. I once again called in, and had the rep link the secure message to my case. They told me XXXX business days and they would call me & send a letter. 
XX/XX/XXXX : I called again after no updates following XXXX business days. I was told the case was denied, but they would reopen it again. The rep assured me I would get a personal phone call within XXXX business days. 
XXXX : After still no response, I called Chase today. The rep told me the case is still pending on their end, and nobody has looked at it yet. He also stated it's the same team that denied it earlier that was to look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
As part of a mortgage application with XXXX XXXX, I consented to XXXX pulling a credit inquiry for the application. Afterward Ive received several robo-dialed calls and text messages from a company called XXXXXXXX XXXX, indicating they received information from TransUnion indicating a I might be looking for a new mortgage. 

I did not consent to XXXX or TransUnion to have my data shared with or used by 3rd party affiliated to market products and services to me, and the text messages do no offer opt-out instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX 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 2022-03-25
Company: EQUIFAX, INC.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX I submitted a letter from XXXX XXXX XXXX to Experian stating the following : RE : Paid in Full on Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Dear XXXX XXXX. XXXX XXXX XXXX : This letter is written confirmation that the above referenced account was paid in full and closed on XX/XX/XXXX. We are in the process of updating this data with the credit reporting agencies which will take approximately 45 to 60 days. 
We value your membership and ifwe can be offurther assistance to you please call us at XXXX or XXXX exlension XXXX, Monday lhrough Saturday XXXXXXXX XXXX. lo XXXX. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX A charge of effecting my report negatively has continued to remain on my credit report since this time and Ive submitted numerous disputes since then. This morning after submitting a complaint through CFPB about this matter, I received yet another dispute response from Experian informing me that the charge off remains as investigation info from XXXX states the info is valid. I just spoke with XXXX and confirmed that they have not provided any such information to Experian and there is NO INFORMATION that indicates I have a charge off or negative account with their institution and will be sending yet another letter for my records. 

THIS IS ILLEGAL TO CONTINUE HINDERING AND HURTING MY CREDIT BY NOT PROPERLY REPORTING ACCURATE INFORMATION!!! My score has dropped a great amount due to 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
Consumer complaint received 2023-02-15
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Greetings! I hope this message finds you well. 

I was scammed for a job position/hiring and was sent a check by the company XXXX XXXX purportedly to as a partial budget to purchase equipment/software for the position as was hired in. The check issued was from The Bank Of New York Mellon XXXX, PA in the amount of US {$2400.00} and for deposit to my account in XXXX XXXX. The bank has rejected it and flagged as counterfeit. I don't want the money and I don't want to be accused of fraud. 

This case has been reported to XXXX XXXX, FDIC, FTC, iC3 FBI, and the California AG. 

Please help me. Thank you so much! 

Kindly see below : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since 1933. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System.

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Website : www.consumerfinance.gov Telephone : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

Sincerely, Consumer Response Unit National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation Telephone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint has bearing on two previous complaint numbers XXXX and XXXX. 

XXXX at XXXX XXXX XXXX ( XXXX ) routinely and intentionally asks potential renters to sign a rental application and, upon approval, presents them with a rental agreement to sign that could surprise some potential renters, like me. The specific material facts that XXXX failed to disclose to me are related to the stay of guests in the apartment. Since I was to rent an apartment, XXXX should have made me aware of its policies regarding the stay of guests before asking me to pay the application fee of {$50.00} and the holding deposit of {$100.00}. But, it did not. Since I was made aware of the policies after my signing of the rental application i.e. when I was presented the rental agreement for my signature, I rightfully refused to sign the rental agreement on the grounds that XXXX failed to disclose its policies regarding the stay of guests, and demanded XXXX refund of both the application fee and the holding deposit tome. XXXX argued that the application fee and the holding deposit are nonrefundable and refused to refund the amounts paid by credit cards. 

Upon my disputing the charges with the banks that issued the credit cards, XXXX did not satisfy the banks that it did not fail to disclose its policies regarding stay of the guests or that the policies were not material. As such, the banks credited the disputed amounts and closed the disputes in my favor. 

XXXX then maliciously added certain other charges of its own and contacted XXXX XXXX and Outsourcing ( FCO ) to pursue its claim. XXXX made no mention of prior credit card disputes to FCO. Instead, XXXX misled FCO to believe that certain checks were returned for insufficient funds, a blatant lie on the part of XXXX. As of the date this complaint is filed, XXXX is aware of the reason why I refused to sign the rental agreement, but has not disclosed it to FCO. 

FOTAs failure to disclose the specific policies regarding the stay of guests in the apartment renders my rental application legally void, and could subject XXXX to fraud charges for concealing material facts in dealing with potential renters.

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 2022-11-06
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 XXXXt Account # 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 can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-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 the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following accounts are not mine, I did not open any of them, and I am not a debtor : XXXX  XXXX ( account # XXXX ) and XXXX XXXX XXXX ( account # 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 2022-11-16
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: Information belongs to someone else

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$11000.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2018-09-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX  Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX General Clothing Stores XX/XX/XXXX Yes XXXX XXXX National Credit Card Cos. 
XX/XX/XXXX Yes XXXX XXXX XXXX XX/XX/XXXX Yes XXXX XXXX XXXX XX/XX/XXXX Yes XXXX/XXXX  Department And Variety Stores - non specific XX/XX/XXXX Yes

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