BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 vears.

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 explanation
Consumer complaint received 2020-01-07
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
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:
I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CITIBANK, N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My Wayfair account balance has not been updated for over 4 months and is missing nearly {$100.00}. I have spoken to numerous agents at Wayfair and on four separate occasions was promised that after some amount of time, usually around 5 business days, the issue would be resolved. After the time elapsed, Wayfair did not update the account balance and emails sent did not receive a response. Later follow-ups did not reveal any information about the nature of their investigation into the issue and when I got far enough effectively reset the time I needed to wait. 

This is not an issue with Citi bank who have confirmed that their systems work. In addition the credit card terms are clear that Wayfair is responsible for account balances on their website.

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 2022-04-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
we have a account with Wells Fargo as a savings account for my son. we don't check the account often as it is a XXXX account for a minor which can not be touched until he turns XXXX from what I understood when we opened the account. XXXX day as we were curious i asked for the balance of the account and I saw on the statement there had been someone by the name " XXXX XXXX '' taking money from the account XXXXXXXX XXXX  every single month, i asked the banker XXXX XXXX XXXX about the charges and she told me they have been going on for over a year which was a shock to me because as i said a savings account like the one i opened for my son can not be used or touched until he is of age. she told me it was fraudulent as i never even heard of this person and she opened a report for it. We called the company that was getting paid this amount every month and they informed me they wouldn't be able to do anything that i needed to contact the bank. after multiple times of going in personally and getting no answers i called in and the person on the phone told me they wouldnt be able to do anything and i would not be getting the full amount that was taken from me, she also told me that companies are allowed to take the money without even getting ID confirmation and not get into any kind of trouble. I got a letter in the mail today saying the charges on my account were " correctly charged '' and that i would not be reimbersed my XXXXXXXX XXXX that im missing, id only be getting {$400.00} credited back on my account and that the case was closed which is not correct. in no way should i be charged that amount when i did not give anyone my account information nor did I accept to have these charges on my account for a person who i have never met or heard from in my life. On XX/XX/2022 I got a letter saying that I was only getting back {$400.00} out of the {$900.00} thats not correct. Also in that same letter it says our deposit account agreement explains we must hear from you no later than XXXX days AFTER WE SEND THE FIRST ACCOUNT STATEMENT ON WHICH THE PROBLEM OR ERROR APPEARED yet they never sent me anything about my account at all. This couldve been prevented if they had sent me my account statements as it says in our agreement!!

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 2022-01-27
Company: Experian Information Solutions 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:
THIS IS MY 2ND AND FINAL ATTEMENTED TO RECEIVE DOCUMENTATION my name is XXXX XXXX XXXX, and I dispute the validity of the debt shown below and I am REQUESTING documentation showing the following validation of debt request : -Proof of your right to own/collect this alleged debt - HIPPA Contract bearing my personal signature Also, I am Requesting the name and address of the original creditor and HIPPA form with my signature giving Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX to access and collect my medical records. 
ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$210.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$980.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$590.00} IF THIS REQUEST OF INFORMATION CAN NOT BE PROVIDED, PLEASE CEASE THIS COLLECTION IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN

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 2023-03-30
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: Information belongs to someone else

Complaint:
Someone I've known for over 20 years stole my information and identity, and I found out by me being arrested and then hiring an attorney. The person, XXXX XXXX, actually worked and impersonated herself as me throughout several years. Several accounts and incidents have been opened fraudulently in my name. I want this person to be asked about it and take accountability for what she has done and how she has affected my family and me. 

Collection accounts : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is regarding a prior complaint filed with the CFPB. Complaint number XXXX. After the complaint was closed Sychrony recharged by card for {$2100.00} after correcting the prior miss-charge. I would like CFPB to help resolve this or at least assite in driving this to mediation. I suspect the systematic false enducement of cash advances is a fradulent scheme perpetrated by Synchrony Bank and should be looked into by the CFPB for adjudication and administrative enforcement.

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 2023-04-21
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2023-04-21
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
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: Old information reappears or never goes away

Complaint:
There are two settlements from XXXX XXXX XXXX since XXXX and XXXX that are still showing on my Equifax credit report. They reported this in XXXX ( 7-8 years later ). 

I would like to have these removed. I applied for a loan with my bank and they denied me. 

XXXX XXXX XXXX amount paid {$650.00} ( account was closed in XXXX ) XXXX XXXX XXXX XXXX paid {$1300.00} ( account was closed in XXXX ) the scheduled payments were {$110.00} and {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Ace Motor Acceptance Corporation
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have been a victim of identity fraud and people have been applying for loans in my name several loans. I have not had a car loan since 2015 on my XXXX. All 6 negative loans and accounts are not mine. I believe that my former roommate has tried to apply and use my information. His name is forest XXXX XXXX and is currently incarcerated. Please take these negative accounts off whereas I never had any bad scores until he moved in with me. Thank you so much for your time and understanding. XXXXXXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX is reporting the foolowing cases as removed when they are not and is being reported as open and duplicated muliple times on a continuous basis. 
The followibg acconts are : XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX These accounts are being reported as removed and the are clearly not deleted and being reported as open monthy and nor removed. Some of the above are reported also a removed and missed payment and continues to be reported on my XXXX, Transunion and XXXX credit profile and being reported to credit services who profit of old information.

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 2020-01-07
Company: PLAZA HOME MORTGAGE, INC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Hello Plaza Home Mortgage.In your letter dated XX/XX/2019 you gave to the CTPB untrue information.You never ever put my {$2000.00} deposit into an XXXX papers. 
So please send me a {$2000.00} check to my address or add to total loan, before i will take legal action against you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: TX
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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 2022-12-29
Company: Colony Brands, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I received XXXX packages from my mother for XXXX from the company XXXX XXXX. When I opened the package I saw the invoice inside with the items listed a dollar amount saying bill to me but didnt think anything of it as my mother purchased the items and had it shipped to me from her account. On XX/XX/XXXX I recieved an invoice with an account number and the contents of my XXXX gift listed with a due date and total. I immediately contacted customer service to let them know there was an error at XXXX cst when I got off work to let them know there was an issue. After being transferred around, the second representative told me that this happens all the time where accounts get created by mistake and I only had XXXX options to report the account as fraud or have my mom pay the account off and then I could call back to close it which would impact my credit even though I never opened the account. The banker acted very nonchalant as though this was a common occurrence. My mom told me no personal data of mine was provided other then my name and address for shipping of the item. They told me to pay the bill over the phone is {$2.00} or I could go through their automated system or online at no charge. Once I pay they said to call back to have the account closed. Once the call ended I had to go online and make an account to make this payment. I paid any balance listed on the account for the {$51.00} as my mom order this with no malice intended. Once online i found out not only did they erroneous bill me for these items, they created an account for me and also opened a line of credit in my name for {$900.00}! This issue kept escalating further and further down a rabbit hole of misinformation. I was very upset and called back immediately to have the account closed. The representative I spoke with at XXXX XXXX kept trying to disuade me to wait to close the account for XXXX hrs to allow the payment to clear. I repeated the issue about whats happened and that this XXXX gift has become a nightmare that I want out of. Now I have possible credit impacts for something I never did. My mother called customer service on XX/XX/XXXX and the representatives told her it was a computer issue and billing problem. For no one to pay the bills and it would be corrected in 2-3 days as my siblings my mom sent gifts to have also been impacted with accounts created. They did not take this issue seriously and only offered to escalate my closure request. The credit impacts will still be there as they created an unauthorized account with no permission or personal data being provided. Please look into this company and have any credit impacts removed by this business predatory tactics as not only was i billed but my mother was billed on her individual account where the gifts were generated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
I have reached out to all three credit bureaus in an attempt to get information about an account that is being reported incorrectly. I have asked to see documentation that this account belongs to me. I want to see the original contract with my signature. Neither of the bureaus have been able to furnish this document and I believe it is a stall tactic on their behalf. They need to be able to provide this information, and if they can not, then they must delete it. It has been over 90 days and I have yet to receive a resolution or a response for that matter. Since the bureaus get paid for every item reported, I believe they are stalling on purpose and are not doing their due diligence.

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 2023-01-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was taken into XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. Upon my XXXX, I noticed that various credit cards were used without my consent. Chasebleing XXXX of these banks. I contacted Chase on XX/XX/2022 of me not making these charges and they temporarily credited me those charges, however on XX/XX/2022 they reversed the credit for XXXX XXXXharges of {$430.00} from XX/XX/2022 and {$320.00} on XX/XX/2022, stating that XXXX  supplied them with contractual agreements?? Please see attached proof showing I was detained for those dates in question! I don't care what XXXX supplied my credit card company, there was no way I could contractually agree to anything since I was in a XXXX XXXX XXXXXXXX had permission to use my credit cards and noone can contractually agree to use my credit cards if they were stolen from my possession. Please help me in reopening this dispute and advise them that they should credit me these amounts under XXXX XXXX liability promise of authorized activity.

Company response to consumer: Closed with explanation