BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been trying to use XXXX through Chase Bank. On XX/XX/XXXX I had some work done on my house and tried to pay using XXXX. My account was locked four different times during this process. I was not able to pay for the services I received through XXXX however I was able to use another app to send payment. At that point in time I thought I was fine. I spent well over an hour on the phone with Chase and completed my transaction. Today I am trying to again pay another contractor for services rendered and I can not access my online accouunt. I have spent XXXX minutes on the phone with chase. Because it took me additional time to enter my verification information the auto verification system would not accept my responses. I apologize that my XXXX  hindered my quickness to respond to the online verifiaction process but my money should not be held hostage. I asked for a supervisor I spoke with XXXX who would not assist me either and ended up disconnected the call. Now I am on the phone again trying to access my own money to pay for services rendered so they will leave my house. The solution provided by Chase was to call back and go through the process again and hopefully I would be able to enter my information faster this time. Also I was told I would need my complete credit card number when in fact all thar I needed was the last 4 digit of my card number, not the complete number,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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:
In accordance with the fair credit reporting act The following 3 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A Right To Privacy. 15 U.S.C 1681 Section 604 A Section 2 Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX XXXX XXXX  # XXXX ( XXXX ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX/DEPT OF EDUCATION ACCOUNT # XXXX ( XXXX ) XXXX/DEPT OF EDUCATION Account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX ( XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX XXXX ACCOUNT # XXXX XXXX XXXX ) XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: AL
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 Account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, DPT EDXXXX Account # XXXX, DPT EDXXXX 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 explanation
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: NY
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:
My identity was stolen after conducting personal business on my cousins computer. The computer I was using was infected with a virus. My personal e-mail was stolen. My personal information was retrieved via my e-mail and used for fraudulent purposes. This has resulted in the following fraudulent items to appear on my credit reports : ACCOUNTS XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX US Department of Education Acct # XXXX US Department of Education Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I should not be held responsible for the actions of an identity thief. I am seeking to remove the fraudulent info that has been associated with my identity. I have already informed the credit bureaus of this issue. I have sent the credit bureaus notarized documentation ( Police Report, Personal Documents, Affidavit ) that proves my identity theft and supports my claims. The bureaus are currently still reporting the fraudulent items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Went to buy a car from a dealer in XXXX called " XXXX ''. I authroized them to pull my credit report which they did not once but twice. They have told me that they only did it once and they would correct. Spoke to XXXX in Finance XXXX. One was pulled on XX/XX/2016 and the other on XX/XX/2016. I want one of them removed. I did n't authorize more than one inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I order a credit report and see this company I have never heard of. I give the company a call at the number listed on the report and try and resolve an issue and instead of helping they kept trying to get me to give them personal identifiable information and I refused. The name of the company is XXXX XXXX. It appears that they are trying to collect a medical bill that is not owed. I was and still are a recipient of Maryland State Medicaid. I  am not sure why this bill out of the many paid by the state is being directed to me. I do not owe this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company -Fair collections and outsourcing- is attempting to collect a debt I do not owe. They have failed to send me validation for this debt as I have sent three separate letters for proof of debt validation. This company is only reporting on XXXX credit site ( XXXX ) because the other XXXX credit agencies have already deemed the collection fraudulent.

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 2019-04-12
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, my credit card was canceled due to fraud. The representative from Visa  asked me if I had just rented a car, which I had not. He said whoever made that charge had all of my information so he needed to cancel my card and send me a new card. 

In XX/XX/XXXX, I received an alert from XXXX XXXX about a negative account under my name. I looked at the account, and it was a collections account under I C System Inc. the original creditor showed up as XXXX XXXX XXXXXXXX in the amount of {$90.00}. XXXX Conducted an investigation, and removed this collections account from my credit report. 

In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX regarding this debt. Saying that they were hired by XXXX  XXXX XXXX to collect a debt of {$90.00}. This was the first letter of any kind that I had received regarding this debt. It was sent to my previous address in which I have not resided in since XX/XX/XXXX. I answered to this letter within the 30 day period stated. I explained my situation and requested more information about this debt and requested proof that this debt is mine. I received a letter back from XXXX XXXX XXXX XXXX in which it stated that my request for debt validation was received, was documented, and was forwarded for processing. It stated that my account with their office was closed and returned. 

At the end of XX/XX/XXXX, I applied for a credit card without realizing that this debt collection was still on my XXXX credit report. This is when I realized that this collections account which is not mine is still there. 

I mailed in my only correspondence that I have ( which is with XXXX XXXX XXXX and XXXX ) about this to XXXX. They replied by asking me to contact the collections company directly. 

I have never received any mail, phone call, e-mail, or any form of communication or bill from XXXX   XXXX XXXX or I C System Inc. I did not know of this debt prior to it appearing on my credit report. I XXXX I C System Inc and looked up their contact form. I did not feel comfortable providing my e-mail, phone number or SSN in their initial online contact form. 

I would like to please have this collections account removed from my credit report since it is not mine and it is a result of fraud on my previous credit card. 

Thank you

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 2022-12-02
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A horrible company keeps trying to put an erroneous debt on my credit report ( XXXX of XXXX, XXXX ). I have disputed with the XXXX AG office, XXXX and XXXX. All have never received value info from this company and deleted the information from my credit report. However, Equifax is not reporting correctly. They show a statement " Consumer disputes this information '' and are showing a " reporting date '' of XXXX!! I cleared this mess up in XX/XX/XXXX! I have no idea why Equifax is not deleting the item which is hurting me financially, instead of putting some statement on as if I have not proven I do n't owe OR XXXX has proven that I do. Why are the allowed to make me look like a deadbeat and not delete this information? Equifax has shoddy reporting and I want this OFF of my credit report. I 'm attaching the previous letters & my complaint number with my AG office from over 2.5 years ago. I will also file a complaint regarding XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: Experian Information Solutions 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:
In accordance with the Fair credit reporting act 15USC 1681 section 602 section 8 States I have a right to privacy And 15USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish my acct without written instructions. 
Info : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Complaint to Experian, XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-09-13
Company: Experian Information Solutions Inc.
State: SC
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 initiated contact with Experian through their online dispute database. I listed accounts, addresses, name variations, as well as two SSN 'S on my report that are not mine. This accounts were verified. So I called and spoke to a representative who said these accounts were verified and updated using an electronic method. Also stating that no physical verification or validation was needed, and that I would have to file a id theft report, police report and to contact CFPB. I will include my credit report and ID Theft report in this complaint.

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 2023-11-02
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: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: WELLS FARGO & COMPANY
State: UT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Wells Fargo XXXX credit card was moved over to the new Wells Fargo XXXX card. My bank statement from XXXX was owing {$570.00}. My new bank statement in XXXX began with me owing {$0.00}, with Wells Fargo rolling over a new charge of {$570.00} on XX/XX/XXXX. On paper, everything looks great, which is why after three phone calls I have gotten no where. 

However, in my online account, there was no subtraction of {$570.00} before adding in the new charge on XX/XX/XXXX. So I already have all of the previous charges that totaled up to {$570.00}, plus the additional charge on XX/XX/XXXX, causing me to be double charged. The people I talk to on the phone do not care what my account on the computer looks like ; they only want to talk about the bank statement. However, the bank statement does subtraction and addition of {$570.00} ; my online account only does addition of {$570.00}.

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 2018-12-21
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account does not belong to me, I was never informed I could dispute debt and or given a right to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Credit Karma, LLC
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: Account information incorrect

Complaint:
I check my credit report on a weekly basis and I notice before I paid the accounts to 0 balance or became in good standing with my mortgage company, my credit score was higher. After I paid one account off and became in good standing with my mortgage company my score dropped significantly. Credit Karma, sent me an email on XX/XX/XXXX stating that my score had gone up 43 points on XXXX and 46 points on XXXX. Six days later my score had dropped 49 points on XXXX and 42 points on XXXX. I have been checking my score three times a week since XX/XX/XXXX and the score goes up and down every time I check. I have been paying my accounts on time and I also find it extremely hard to get information that does not belong to me removed, there is no way to dispute items online and the only way to communicate with credit karma is by email, they do not have a way to contact them by telephone nor do they respond to emails in a clear, professional and understanding manner. I have tried to reach out to this company on several occasions and it never goes anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have sent in prior disputes with XXXX, Experian, and XXXX. They have not responded. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. XXXX, Experian, and XXXX have no reason to assume the previous requests were not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).

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 2019-08-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
There is a foreclosure sale on the calendar for tomorrow, as I was just notified that the sale is still on by the Rep at Well Fargo. 

Here are the facts : 1 ) Listed my house For Sale on XX/XX/2019 with XXXX XXXX ; 2 ) I submitted a Mortgage Assistance Application for a short sale on XX/XX/2019 by the Realtor, XXXX XXXX ; 3 ) In early XXXX, I was told that a foreclosure sale date had just been obtained by counsel but was advised that it would be canceled due to Dual Tracking as we were actively working with Loss Mitigation at Wells Fargo for the short sale ; 4 ) Apparently, Wells Fargo failed to acknowledge the Dual Tracking situation and kept proceeding with the foreclosure sale ; 5 )  XXXX XXXX was negotiating with XXXX XXXX from Wells Fargo about the short sale and had requested for a counter offer 2 weeks ago and while I was reviewing the correspondence sent by Wells Fargo for a counter-offer, I received a USPS forwarded letter that was originally sent to my former DC apartment that the foreclosure sale was still on the calendar for XX/XX/2019 ; 6 ) At this point, I contacted both Wells Fargo 's Loss Mit and Foreclosure Attorney and was advised that the sale was active - even though they confirmed all the items above. 

I was under the impression that Wells Fargo would comply with these rules and regulations set forth by the CFPB and that consumers would be protected by banks & lenders pushing to improperly foreclosure when these simple steps have been followed. This sale needs to be canceled for Dual Tracking. 

Please contact me for additional questions or comments.

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