BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: EQUIFAX, 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:
Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$7900.00}. 

Account Name : XXXX XXXX Account Number : XXXX Description : Date open : XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. 

High Credit : XXXX is currently showing {$12.00}, XXXX, XXXX and Equifax show XXXX. 

Lasted Reported : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX, and Equifax show XX/XX/XXXX. All three XXXX XXXX XXXX are showing difference dates. Please delete Date of Last Active : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Equifax show XX/XX/XXXX. 

This is a violation of the FCRA and is also in violation requisite XXXX XXXXXXXX reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that the item above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I closed on my mortgage XX/XX/XXXX. The original mortgage amount was {$360000.00} at 4.25 percent payments @ {$2400.00}. 

I purchased the property at $ XXXX and I used a XXXX loan for rehabbing. I owner occupy one of the four units and rent the remaining three units in Washington, DC. 

At closing the building had three tenants, my renovation budget was to rehab the one vacant apartment ( unit # XXXX ) and other things around the building that needed addressing. About a month after closing, I presented the tenants with the option of staying with an increase in rent or moving out. One tenant ( Unit # XXXX ) chose to move out. The remaining two tenants signed new leases and ( Unit # XXXX ) XXXX XXXX is still here. Unit # XXXX paid rent at the lease signing in XX/XX/XXXX then never paid me again. 

DC Tenant Laws coupled with cold weather prevented me from getting an eviction until XX/XX/XXXX. In addition to the work I would have had planned, the former tenants left extensive unnecessary damage. By XX/XX/XXXX, I had paying XXXX XXXX paying {$800.00}, and Unit # XXXX had just gotten its first tenant in XX/XX/XXXX. I still had work in unit # XXXX and unit # XXXX. I missed my first payment in XX/XX/XXXX. 

I contacted Wells Fargo XX/XX/XXXX and they agreed to modify my mortgage. They were nice about and let me I did not have to pay until the modification agreement was complete. I signed a modification agreement out of duress on XX/XX/XXXX. The modification agreement offered to lower my payment to {$1900.00}. 

The process did not settle until XX/XX/XXXX causing me to have all those delinquent months negatively affect my credit. I do not dispute the original three months delinquent reporting but the actual number of delinquent months on my credit report feels like Wells Fargo intentionally delayed my paperwork to handicap me. Also my property has appreciated nicely, the most recent appraisal priced my place at {$450000.00}. Wells Fargo only uses the original purchase price of $ XXXX and with all the fees they added on the deferred amount I am around XXXX percent. This locks me in so I have no options. 

I have seen in the news how Wells Fargo has been called out for discriminating against minority communities with misinformation and predatory practices. Does this qualify for such an occurrence if its widespread?

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 2023-07-19
Company: EQUIFAX, INC.
State: SC
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has reported a collections account to my credit report. I have not received any written communication about the alleged debt. Therefore, my right to dispute or request validity of debt has been violated. This is causing distress and affecting my credit report and my ability to obtain credit. 

Please remove the debt from my credit report and follow due process.

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 2023-07-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I went to check my balance on my account and was unable to log in so I called to support and the support number told me that my account was closed so I began emailing support to find out why my account was closed. The first explanation they came back with was it was lack of activity. In the beginning the lack of activity was because I never got the debit card that they sent me in the mail so when I tried to reopen the account again they said that I already had an account and I needed to contact support so I'll contact the support and they sent me out another card I started putting money on this card so that I could save money for my taxes what happened was I will deposit money periodically from my paycheck I have a job and I also have a business and I just wanted to side account so that I wouldn't touch it cuz I knew that was the account for my house taxes so back and forth back and forth back and forth I've been emailing support I've been talking to XXXX XXXX tells me I need to talk to chime chime tells me I need to talk to XXXX so now they got XXXX of my money and they're telling me that my money is not refundable because they don't know this is the second reason they don't know where my money is come from and that money being deposited on that card looks suspicious I've been going back and forth with them since XX/XX/XXXX and I have no resolution nobody will help me so I was directed from a post on the internet that you help people with the situations as far as time is concerned so I'm just reaching out to you to see if you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 I contacted Equifax, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$27000.00}, XXXX XXXX Balance Owed : {$2500.00}

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal. 

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX, XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There was two attempts on two prior purchases that were denied and then out of nowhere these other two purchases come through and they were approved so I disputed them said it wasnt me ai have know knowledge of it. I didnt do it and theyre playing games cant get an answer out of him whats going on my dispute its been forever I told him I said look used to nine today prior purchases before this one I was your proof this one two of them ones for XXXX yellow ones for {$10.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Truist. I closed the account via telephone. The back office issued a check XX/XX/31 - I did not receive in the mail. I called telephone customer service and they instructed me to visit local branch for further help. Today, XXXX, local branch said there is nothing they can do to help. Teller is denying me my {$50.00} that I deposited in a Truist bank account. " There is nothing else, I can do. '' She gave me the impression that this is a loss on my end because I did not receive the check. Prior to visiting the branch, back office mentioned retail branch can help ( void check, re-issue, or give me cash ). This is not the case. 

I asked the teller to further look into my request and she denied helping me. Again, Truist owes me {$50.00}. 

She did not want to offer additional help or phone numbers to contact other staff members. 

Contacts at Truist ( who did not help ), XXXX XXXX, XXXX, and XXXX. 

Please help me resolve this matter. 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 2023-08-18
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete the accounts, or inaccurate information, from my file immediately & send me the results to the address.XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and 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 2022-07-26
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: Personal information incorrect

Complaint:
I only have one address that's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I gaining to give an id and bank account letter head for accuracies. I m not connected to any other address. This will be my proof that this is me also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Us Dept of EdXXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXXXXXX XXXX XXXX # XXXX ..., # XXXX ...., XXXX XXXXXXXX # XXXX ..., XXXX XXXX XXXX XXXX XXXX... ), has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
TransUnion, I was a victim of identity theft and as a result have an unauthorized hard credit inquiry on my report- please see attached for my written complaint, drivers license, social security card, address, and FTC letter.

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 2020-11-09
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased two flights to Alabama during the covid pandemic for an parent who was very ill and doctors told me they didn't have long to live. I have immune deficiency issues and wanted to be sure the flight was safe and the airline was practicing social distancing. The airline advertised that they were and I also called and was told that they were only filling the plane to a certain percentage to allow for social distancing and seat changes. This was not true after boarding the plane I realized that they were not practicing social distancing and had filled the plane to full capacity with only two seats left. I was told I would not get a refund by the airline and that I had to file a complaint. Citi NA is refusing to dispute this stating that I used the ticket. I had no choice but to use the ticket I did not know that XXXX XXXX would be dishonest. I trusted them with my health in a pandemic when I was given bad news. I was subject to several tests due to their dishonest claims that they would social distance and limit seating capacity ok the plane. Since my complaints, XXXX XXXX has changed its policies by alerting customers that the flight is a full flight and giving the option to change flights. This was not available when I took my flight not was it offered when I complained.

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 2018-03-13
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX ( Attorney XXXX XXXX XXXX ) in XXXX Kentucky was hired by XXXX XXXX XXXX LLC XXXX XXXX Summit XXXX XXXX XXXX # XXXX, XXXX XXXX NY XXXX, XXXX being a third-party collection agency who purchased the debt from XXXX in or about 2011, advising I owed {$1500.00} of which I just recently learned. XXXX placed a lien against my residence in XXXX XXXX, Kentucky for this amount on XX/XX/XXXX, it then caused to have all of my paycheck ( s ) deposited to my XXXX checking withdrawn via unknown garnishment in the amount of {$1300.00}, leaving me without one cent. The debt collection is being handled in an illegal manner, past statute debt to collect, using a third-party debt collector without proper notification, having placed a lien on my residence, then proceeding to garnish all of my funds from my checking account leaving me penniless. I never used XXXX 's credit card. I ask that I be reimbursed the monies taken from my account.

Company response to consumer: Closed with explanation