BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
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:
Recently I did an investigation on my credit report which caused an extreme XXXX  XXXX upon me I found unverifiable, invalidated, inaccurate, and questionable items that your company did't make sure it was reporting 100 % correct. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 years. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
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:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called EdFinancial multiple times in XXXX and XXXX but was met with ridiculously long wait times. Last week, around XX/XX/XXXX, I called and signed up for a call back, so I wouldn't have to wait on hold for multiple hundreds of minutes. They said the call back would hold my place in line. Then after signing up for it, the last thing the automated voice said was that it might take 24 hours, which seems to contradict the fact that it wouldn't de-prioritize my call and lose my place in line. It's been multiple business days so I still have not received a call back, an email, a text, or anything acknowledging they will be reaching out. I wouldn't be surprised if they fully dropped my request and if I did not keep trying to reach out if I would have ever gotten a call back. Now I am back to waiting on XXXX minute wait times on hold as clearly they do not adhere to callbacks and the information is inaccurate, unreliable, and contradictory. When I go through the chat option on their website, they send me a link that says it is connected to a live agent, and which I click that link to open the chat with the live agent, it turns out there is no live agent. I've attached a screenshot to the complaint in the file attachment section. I have yet to get in contact with someone from EdFinancial and it seems impossible at this point. Student loan payments can not resume if the servicers and organizers are unreachable gating necessary information and payback plans/options.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
They put a permanent freeze on my account. Ive reached out multiple times and Ive been told that after balance was paid in full they would remove any restrictions on the account and they refuse to remove them even though I did pay the account in full. I feel like I was bait and switched being told to pay off my balance so I could use the card again and I paid the balance down to XXXX and now theyre stating the account is permanently restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: AL
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:
From XXXX to XXXX of 2022, i filed a dispute XXXX, XXXX and Equifax about the inaccurate reporting of XXXX XXXX -- XXXX because the Dates Of last activity shows multiple dates which a violation of the FCRA because these bureaus are not reporting accurate info on my consumer credit report. So now I'm contacting the cfpb to step in and help me get this issue resolved. I have not heard from them in over 3 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
From XXXX to XXXX of 2022, i filed a dispute XXXX, Transunion and XXXX about the inaccurate reporting of XXXX XXXX -- XXXX because the Dates Of last activity shows multiple dates which a violation of the FCRA because these bureaus are not reporting accurate info on my consumer credit report. So now I'm contacting the cfpb to step in and help me get this issue resolved. I have not heard from them in over 3 months as of today. 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 non-monetary relief
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

On XX/XX/21 XXXX XXXX XXXX received my request to validate a debt they claimed that I owe their company. They have not responded to my request to this date and they are in default.

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 : 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 2022-12-29
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:
I submitted a letter to Transunion dated XX/XX/2022 to update this suspicious information. I think you have not validated this account 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 XXXX, and I'm including it again. Please remove the late payment from this account : 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 2022-04-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX While I was using Venmo app to send {$400.00} the money went to the wrong person. That person had a negative balance. Therefore when I sent the money it took it right away to payoff that negative balance and wasnt able to be sent back to me because the person doesnt respond. I tried to dispute the transaction with Venmo and with XXXX XXXX  checking account. They both denied to help me get my XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: AR
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 XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I found on my Credit File. Im submitting a complaint to you XXXX to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than XXXX XXXX XXXX after the date of receipt.

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 2023-05-25
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX LATE PAYMENTS, 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 1681 SECTION 2A. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2023-07-11
Company: EQUIFAX, INC.
State: VA
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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: Reporting company used your report improperly

Complaint:
In accordance with the XXXX XXXX act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 Listed accounts 1.XXXX  XXXX 2.XXXX  XXXX XXXX XXXX ( item labeled incorrectly derogatory. Should be marked Paid off ) Removal of Extended Fraud Alerts from credit profile Transunion, XXXX, and 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 2022-08-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX, I opened a Business Checking Account with Chase for my business XXXX XXXX XXXX XXXX. As a result of fraud in my account, Chase changed my account information in XXXXXXXX XXXX XXXXXXXX. Our business account enabled us to accept XXXX transactions. As a result of my excessive acceptance of XXXX transactions, Chase Bank decided to close my account on XX/XX/XXXX. A total of {$14000.00} was in my account at the time of the account closing. XXXX  complaints have been filed and I have been in contact with their " executive '' office. According to them, every XXXX transaction that I have completed must be verified with the sender and funds will not be released if the customer can not be reached. Authentication factors are employed by Chase and all financial institutions to ensure that funds are being sent securely. As a prerequisite for these funds being verified to Chase 's standards, I need to contact Chase and provide them with the contact telephone number that the customer has on file. They will not provide me with customers ' names, just transaction amounts. So I need to search through and hope that they can match it up to who they claim is the owner of the account. From my experience, this is not always the case as people have recently changed their telephone numbers. Therefore, I need to pray that the customer will answer Chase 's call when I am on the phone with the customer. Both of these conditions must be met in order for the funds to be released. They have made it impossible for my to receive my funds back. When speaking to their executive team they stated it is in their depository agreement signed at opening the account. I still have all the paperwork from opening the account and asked for them to point out where in my signed paperwork does it state this information. They then follow up with that it is on their website and then when i ask why is it not in my paperwork they point out a section stating that if my funds are being held due to criminal or legal sanctions. My funds have no criminal or legal issues associated with them. I have been fighting with them since XXXXXXXX XXXX XXXXXXXX for my money and they told me that they can legally hold it for up to 3 years then it becomes property of the state. I need help collecting my funds. As a small business owner this is could make a large difference in our ability to operate. When speaking to XXXX & her " supervisor '' they both have made it very clear chase has zero intreset in returning my companies money. XXXX can be reached at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a rental property located on XXXX XXXX in XXXX. Chase holds the mortgage on that property. Each month, the management company deposits funds for the mortgage payment into my personal account and then Chase automatically debits my account for the monthly payment. 

Yesterday ( XX/XX/XXXX ), Chase notified me that this personal account was overdrawn. This was because there were insufficient funds to cover the mortgage payment. 

However, the cause of the overdrawn account was because CHASE FAILED TO CREDIT THE PAYMENT MY MANAGEMENT COMPANY MADE to my account before the automatic withdrawal occurred. 

On XX/XX/XXXX, my management payment issued check number XXXX into my personal account. Chase had XXXX days to post the payment to my account before the automatic payment occurred, but they failed to do so. That check has STILL not cleared the bank as of today. The management company then went to the time and expense to reissue the check via wire transfer on the same day we became aware of the overdrawn account. 

Coincidentally, I recently made a different complaint to the COFB about the same problem- ie Chase regularly not posting payments made by a different management company of ours in relation to a different property. THIS PROBLEM APPEARS TO BE A SYSTEMATIC ISSUE WITHIN CHASE BANK AND NEEDS INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother passed away in XXXX. She had an IRA account at Wells Fargo with about {$45000.00}. I am one of 3 equal beneficiaries of the account. I properly filled out a Wells-Fargo " IRA Beneficiary Claim Request '' form requesting my portion of the funds. The form requires a Medallion Guarantee. On XX/XX/2019 I went to my local XXXX XXXX XXXX branch which is one of the banks I do business with. They said their policy is that they can't do the Medallion Guarantee unless the funds are being deposited into an account at XXXX XXXX XXXX. I went to a local Wells-Fargo branch with the form and was told that they couldn't do the Medallion because I didn't have an account with them even though I'm a beneficiary on the account. I also contacted another one of my local banks ( XXXX XXXX ) but was told they don't do Medallions for less than {>= $1,000,000}. At this point, I have no way of getting my funds from them except for their form that is specifically for this transaction, Wells-Fargo has my funds and will not do the Medallion on their own form to release the funds to me. Any assistance would be greatly appreciated.

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