BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
Account Number : XXXX As a consumer by law this account must be deleted immediately 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
Account NumbeXXXX : XXXX As a consumer by law this account must be deleted immediately 7. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
Account Number : XXXX As a consumer by law this account must be deleted immediately 8. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
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:
I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first discovered the presence of fraudulent items on my credit report. Immediately, I initiated disputes with your credit reporting agency, providing all the necessary documentation and evidence to demonstrate that these items are indeed fraudulent. 

Subsequently, I have made numerous attempts to dispute and remove these fraudulent items. I have followed all required dispute procedures, provided additional supporting documentation, and communicated with the creditors associated with these fraudulent items to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, adversely affecting my credit history and causing me significant financial distress. They have not been removed, updated, or adequately investigated by your agency or the creditors involved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. I urge you to rectify this matter promptly, as it is imperative for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-31
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, my friend and I attempted a third party mobile deposit in her name through me. The mobile deposit was not going to be available until XX/XX/XXXX. The next morning on the XXXX, I noticed that my transactions were declining and I called the bank. The bank stated that my account was restricted and they needed my friend and I to go into a branch and present XXXX forms of identification and her authorization for the deposit. My friend nor I, have a car so we were not able to get to the bank until that Wednesday the XXXX. When we went into the branch in XXXX, MO. Located at XXXX E. XXXX XXXX. XXXX, MO. XXXX XXXX, we presented the man out XXXX forms of identification and she gave acknowledgement to the consent of the mobile deposit. The man called and informed the XXXX of all that was going on. While on the phone he informed me that Chase was closing my account. I asked if he could see my deposit from my XXXX? And he said yes and showed me. I asked how do I get my money? He said they will be mailing it to you. I asked did he know when they sent it out and he said today. The following day XXXX looking through my account and I see my XXXX deposit in there and XXXX cant access my funds. I start calling the banks and they said they hadnt lifted the restrictions because the check had not returned yet. I said, so you all have not even actually began the process of sending me my check and I was told no, and I asked so what am I supposed to do? I cant even leave my house now because I have no money. My rent is due, the money was going towards my down payment for my car and I was to let my boss know when I got my car so I could give him a date of exactly that I would be reporting back to work. I have talked to so many people. I called the branch back and was told to come in and they would look AGAIN and I can not even get a ride there. I have now at this very moment been on the phone with a woman by the name of XXXX she is a XXXX XXXX XXXXXXXX and she told me I have to go back into a branch with my friend and verify identification and I told her we already did that and she said it doesnt say I did. Like what?? I have now been on hold for a hour and a half for a XXXX so I can tell my story to now for the hundredth time. I did all they asked of me. I even asked could they unrestrict it while on the phone with me so I could just upload my funds to XXXX XXXX  so I could have access to my money and she said no. XXXX so frustrated! Yes, there is rules and procedures but when XXXX is following them why arent we upholding to those exact guidelines. I am at a loss and so XXXX, this is mind boggling to me they can hold my money like this. I need some help please! And even after my situation is handled and my account is fully closed, I still want Chase to be held accountable for not upholding their very own policies and regulations when it comes to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: TX
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 consumers rights to privacy under 15 USC 1681. 
XXXX XXXX XXXX Texas : Docket # XXXX XXXX  XXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All the above listed has violated my rights. 
Under 15 U.S.C. 1681 s 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 s 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-s2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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:
Equifax froze my credit and regardless of conversations with Equifax, they will not unfreeze my credit. Each time I go through the painful customer support process the agent says they have unfroze my credit but they have not. Hours have been spent on this specific query and Equifax purposefully makes it difficult to get in touch with agents in an abusive manner to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2022-04-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have sent numerous letters to XXXX, Experian and XXXX with no response about removing old addresses that do not belong to me : XXXX is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, AR XXXX Experian is reporting inaccurately : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is reporting inaccurately XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-04-22
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: Personal information incorrect

Complaint:
I have sent numerous letters to XXXX, XXXX and Transunion with no response about removing old addresses that do not belong to me : Transunion is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting inaccurately : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX is reporting inaccurately XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 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 accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXXXXXX XXXX XXXX XXXX *REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!

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 2022-12-31
Company: EQUIFAX, INC.
State: IL
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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 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 accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  *REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: TX
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. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XXXX2019, XXXX XXXX XXXXXXXX XXXX Hard and soft inquires . 

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 MAKER ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER 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 2020-02-01
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
I originally purchased a vintage cd rom reader from an XXXX user named " XXXX XXXX '' or " XXXX '' for {$180.00}. The merchant had a return policy window during which the buyer could pay to return it for a refund. The item did not read cds properly. I received error messages, so I contacted the merchant who told me to return it for a refund. I paid to return it, but the merchant refused to refund me. The item was sent XX/XX/XXXX and delivered XX/XX/XXXX. The ups tracking number was XXXX. Then I contacted the credit card company American Express to initiate a dispute. I told them that the item had been returned to the merchant, but I did not receive my refund. The dispute was received on XX/XX/XXXX. They closed the dispute in the merchant 's favor and claimed the item was " damaged. '' I reopened the dispute and told them the item was not damaged when I sent it, and I returned it in the same manner I received it. The item already didn't work properly which was why I returned it. My reopened dispute was received on XX/XX/XXXX. Apparently this dispute was also closed, but I received zero notice of this. I happened to notice it was closed when I checked my disputes today on XX/XX/XXXX. When I called American Express they told me they had again closed the dispute in the merchant 's favor because of " damage. '' Again, I told them that I had no knowledge of how this may have happened if it indeed did happen. I explained that I shouldn't be paying for an item that is not in my possession and that has been returned with proof of delivery. They decided to again reopen the dispute today on XX/XX/XXXX mostly on information I had already provided previously. I currently await a resolution to this matter with no exact date, but I find it troubling that American Express is trying to hold me liable for a returned product that was defective. It is also very disturbing that they are deliberately siding with the merchant and their claims of " damage '' over myself, the customer, who already told them it was not damaged. By this logic American Express will take the side of any merchant against the customer for any return based on whatever claim made by the merchant. I shouldn't be forced to pay {$180.00} for a product I do not have in my possession, and I am hoping they will eventually realize this. If not then I'm hoping this letter I'm writing the Consumer Financial Protection Bureau will prevent this unlawful action of American Express. The uploaded documents include XXXX proof of delivery XXXX picture of product with price XXXX picture of return policy

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
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:
According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief