BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.

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 2020-07-07
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:
fraud these accounts need to be removed asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: GA
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 accounts below have violated my rights. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX. 

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 non-monetary relief
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On or about XX/XX/2018, I received a phone call from XXXX XXXX  XXXX, on behalf of XXXX XXXX XXXX XXXX. They stated that I owe {$75.00} for services rendered and not paid for. I contend that I do not know of this company or hospital and have never received any care from the creditor in question. Previously, in XX/XX/2018, My home was burglarized at gunpoint. 5 armed thieves stole all of my personal Identification and all of my home electronics. A number of financial and home improvement accounts were opened in my name - fraudulently! I am 100 % adamant that I do not owe {$75.00} to XXXX XXXX and XXXX XXXX XXXX XXXX. The account in question was set-up using my personal identification, which was stolen in XX/XX/2018. I have had numerous battles with TransUnion, XXXX and XXXX. I demand that all erroneous entries be removed at once or I will file an Attorney General complaint against the CRAs and Creditors!

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 2021-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank of America allowed a transaction of {$6900.00} to be transferred from my account to another " trusted '' Bank if America customer. 
Initial transaction on XX/XX/XXXX for {$4400.00} and again on XX/XX/XXXX for {$2400.00}. 

The payments were to reserve a seasonal home rental. I have XXXX active police investigations. I have reached out to the Fraud Department of Bank of America. They returned ONLY {$1400.00} stating that was all they could get from his account as he has been " blacklisted ''. Bank of America refuses to hear my pleas, and continues to ignore my requests for reconsideration. I would not be pressing this if the other party was not a " trusted '' Bank of America customer like myself. It is unfair and THEY dropped the ball in their screening process. I want to seek legal action, but know it will be a difficult process. In the mean time my entire savings was wiped clean. How American.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Since middle of the month of XX/XX/XXXX, Sun Trust Bank put a hold on my business account ( XXXX XXXX XXXX XXXX ), account number XXXX. When I went to check on the status and the reason of it, they notify me that a person sent a wired transfer by error to my account. When I asked the manager of the branch, XXXX XXXX XXXX, the name of the person I notice he was my client. Immediately, I called my customer service department and verify that XXXX XXXX XXXX, a XXXX XXXX  Customer, who paid signed and paid for our services, was our customer since XX/XX/XXXX. I let XXXX XXXX XXXX  knows that this customer was lying and I will be back with the signed contract to proof that he was my customer.

XXXX XXXX XXXX   provides me with a document to sign in order to refuse the refund to XXXX XXXX. I came back with the signed contract as evidence and was send it to Corporate. XXXX XXXX, as a customer, never called either or send any communication or the intention to cancel the services with us. As stated on our contract the right of cancellation, and by the state of Florida, the customers have an unwaivable right to cancel the contract, by any reason within 10 days after the date they sign the contract by notifying our office in writing of their intention and send it by mail or Email.

As a company, we contacted XXXX XXXX to try to understand the situation and he confessed he was instructed to do so by XXXX XXXX. Then XXXX XXXX sent a letter by fax to apologize and saying it was a wrong decision. On XX/XX/XXXX, we received a letter from Sun Trust Bank saying that they will send a check of the funds available ( {$59000.00} ) in 15 days.

When I went on XX/XX/XXXX to the XXXX XXXX XXXX  Branch, they told me they do not have any information. I called to the Customer Service on XX/XX/XXXX, and they told me they do not have any update on the system, and to go to the Branch to get more info about my case.

Definitely, they are not giving me any explanation or taking my case seriously. I am unsure about what is happening with my case and the procedure to follow. Please revise my case in order to have the appropriate information and the release of the funds, the sum of {$59000.00} as soon as possible.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting 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 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 2023-06-11
Company: EQUIFAX, INC.
State: UT
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:
Equifax pretends to address disputes sent on this platform, then tells the CFPB that they checked with the creditor but in reality never did. Instead they send the attached letters numerous times, continue to report the same errors on my credit, when I run them on the XXXX of each month. I submit proof in the complaints in black and white, with highlights on them, hand written and typed notes explaining what I'm seeing etc., yet they still submit fake answers to the CFPB complaints to adhere to some time line they're given. All LIES in their responses to the CFPB just to close the complaints and try to get rid of me. It won't work and I won't be gotten rid of easily. It is time to sue this corrupt company. This letter pertains to complaint # XXXX. This letter really tells the CFPB they never acknowledged my complaint nor contacted the creditors. They didn't acknowledge any errors they've made on the dates on any of my accounts, nor did they actually acknowledge that they continue to report them all as opened and in use in the year 2023, and state " pays as agreed '' when that indicates the account is still open, when it's been closed for many, many years! In many cases they're about to fall off this year and next. They're not honoring the disputes, that needs to be noticed and CFPB needs to step in now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I recently had my whole car stolen with All my information inside & some how after putting the XXXX XXXX protection. Plan the thieves are still using my social security number and name to open bank accounts

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 2021-12-27
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX, I found that my chase checking account couldn't withdraw or deposit money. After a few day, in XXXX, Chase sent me a letter about to close my checking by their decisions. Based on the letter, the remaining balance XXXX dollars will be stored as a check and mail to my address. 

In mid XXXX, I tried to contact the customer service for the refund. The representative told me the refund need would be sent to my address in a couple weeks. 

After I waited for a couple weeks, I tried to contact the customer service in XXXX, and this time the representative told me if I want to receive the refund, I need to come to a Chase bank branch directly. 

Then, I came to XXXX branch in XXXX XXXX, WA and found a customer manager for assisting. The manager gave me a phone number and told me to call this number by myself. 

I called this number and waited for 3 hours, the representative then told me that their were still doing the investigation and couldn't send the refund back to me. 
I asked the representative when they can send the refund back. She just said they don't know when they can finish the investigation and ask me to wait for a further notification. 

So far, I still did not get my refund back or any notification from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: JPMORGAN CHASE & CO.
State: ND
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:
Closed account without my permission. I dont care what the law or agreement states. Force them to reopen it at once. Or give me lots of chocolate & BEER. hahahahahahahahahahahaha I'm XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accounts below have violated my rights. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX. 

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 2023-08-16
Company: EQUIFAX, 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:
I never applied XXXX XXXX credit card. Someone used my identity to used credit card. 
I made a police report and disputed this matter with XXXX, Equifax, XXXX XXXX. 
The Credit Bureaus stated my account was properly investigated but they did not. 
I never lived at XXXX XXXX area, There are address show on my credit report along with inquiries. I am trying to buy a car but this negative impact hurting my financial situation. 
I disputed more than 3-4 times but nothing happened. 
Please delete this XXXX 's credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite the previous written requests, the unverified item listed below still remain 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 mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be verified or repaired immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$24.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or 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 2022-12-07
Company: Experian Information Solutions 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Company: Experian Information Solutions Inc.
State: DE
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 remove the following 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 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX Balance : {$66.00} ; XXXX XXXX XXXX  Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2023-05-23
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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

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 2021-12-27
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX at XXXX XXXX, I've made a call to Jefferson Capital. In regards to an account that was made between XXXX XXXX from XXXX. With a past due collections, I've spoken to several staff members of Jefferson Capital. And have asked for the following. 

1. ) An account number, XXXX of Jefferson Capital stated that he could not provide one for me. 
2. ) An original contract from Jefferson Capital and myself. With the original signatures. 
3. ) How much the dollar amount that the account was sold to Jefferson capital by XXXX XXXX. 

I've attempted to reach out in good faith, wanting to make good to settle my account. Because of the marks on my credit report, it has damaged my name. And I'm unable to obtain proper housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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: Credit inquiries on your report that you don't recognize

Complaint:
i have previously contacted Equifax, XXXX, and XXXX on my behalf through certified mail and requested that all credit inquiries not linked to an active account be deleted from my profile because i do not recognize them and nor did i authorize them. Per consumer law they are not to furnish any information on my credit report without my prior consent, which i did not give.

Company response to consumer: Closed with explanation