BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
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 interested in processing disputes on my credit report to delete an remove all information that is hindering my credit report, this has been an ongoing issue that needs to be resolved asap. checking the information listed all items are illegal an posted incorrectly also identity theft. please review the listed ti items to help delete an remove the listed items to clear my credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
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:
RE : Social Security Number : XXXX To Whom It May Concern : This is yet another attempt Im taking solely for the purpose to update my personal information. 

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

15 USC 1681 a There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-08-04
Company: CITIBANK, N.A.
State: NJ
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:
My home depot credit card has been reporting payments from XX/XX/XXXX to XX/XX/XXXX. 1st they said my missed payments were XXXX and XXXX and then when I prove them wrong by showing that my bank statement and now they changed it to XX/XX/XXXX saying I was late sent them proof of my bank statement showing that I did pay I didn't make a payment. I've disputed it probably about 20 times in the writing and every time they come back saying that I missed the payments when I didn't. My bank statement is not lying, I have a 98 % payment history so the only two that's preventing me from 100 % are these miscellaneous payments that I know I did not mess because I have the bank statements to prove it. I have been trying so hard to build my credit, and they keep holding me back as well as a collection agency that keeps opening and closing and I know I don't owe them a dime because I paid it off in XXXX beginning of XXXX. I can't get them to fix issue. I've emailed them and disputed the late payment, and even though I sent bank XX/XX/XXXX to XX/XX/XXXX they refuse to change it they just switch months and say I was late different months when I would be off on one credit report it says XXXX and XXXX the other one it says XXXX and XX/XX/XXXX it's already been over two years and they still continued to say I was late, but I know I was not Im over it my credit score finally was up to XXXX and because I use the fee was my credit cards my credit score went down drastically to XXXX and XXXX and even though I have paid off most of the balances already a week later, they decided to lower my score anyway and it's really getting ridiculous because they drop it so dramatically and it's taken me two years to get to XXXX and now I'm back at the bottom again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX Cardmember Service issued a balance transfer check to my account at Comenity Bank in the amount of {$340.00}. The check was cashed on XX/XX/XXXX by Comenity. When I checked my Comenity Bank credit card account on XX/XX/XXXX to see if the payment was posted it had not been posted yet. I contacted Comenity and they said they never received it. So, on XX/XX/XXXX I made on online payment of {$340.00} to pay my balance so I wouldn't get any fees. The payment was made directly from my checking account. I then contacted Cardmember Services and they mailed me a letter with a copy of the front and bank of the cashed transfer check which showed Comentiy cashed the check on XX/XX/XXXX. I mailed a letter and a copy of the front and back of the check to Comenity. By XX/XX/XXXX the cash transfer check payment was still not posted to my account. I contacted Comenity in XX/XX/XXXX and they said they received the copy of the cashed check and it should take about 6 weeks to post to my account. XX/XX/XXXX the payment was still not posted, I called XXXX they said they see the information and told me the payment was pending but they didn't know why it should be posted on my account within 2 weeks. Again, XX/XX/XXXX came still not posted, called Comentiy, was told they were very sorry it should be posted on my account within 72 hours. XX/XX/XXXX came still not posted, contacted Comentiy again they didn't know why it wasn't posted they will work on it. As of XX/XX/XXXX it still has not been posted online. Comentiy tells me all my calls and the letter show on my account record, but the payment never gets posted even though they say it will be posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01
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: Account status incorrect

Complaint:
The lender, XXXX Mortgage erroneously submitted a delinquent account for the period of 180 days in XX/XX/XXXX of which the account holder/borrower was in forbearance due to hardship of pandemics. This adversely affect my ability to apply for a new loan to purchase a home. The loan was subsequently paid off when I sold the property last XX/XX/XXXX. 

I tried to call them for assistance but is unable to get a definite answer as how they going to fix the report in the credit bureau.

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 2023-08-04
Company: TD BANK US HOLDING COMPANY
State: AL
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:
Company unlawfully furnished personal information on credit report and also furnished to non affiliated third parties without my consent which is illegal and not lawfully.

According to USC 1681 ( a ) ( i ), transactions between the consumer and person furnishing the report IS NOT supposed to be included in a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2023 submitted a XXXX two police report to the credit bureaus on XX/XX/XXXX it was removed then reinserted shortly after.. The XXXX XXXX XXXX verified saying this is my account ( # XXXX ) for the amount of {$19000.00} ) its not mine! I also disputed it 2 times.. 

I have a Police and FTC report XXXX deleted it, XXXX and Experian still show it I have been passed back and forth between the credit bureaus and XXXX XXXX each of them blame the other this is very frustrating thanks for your help

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXXXXXX Balance Owed {$150.00} ; XXXX Balance Owed {$0.00} ; XXXX XXXX XXXX BalanceOwed {$110.00} ; XXXX XXXX XXXXXXXX Balance Owed {$380.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$690.00}.

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 non-monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom It May Concern : Hi, my name is XXXX XXXX. I am writing because the following items I have attached are items in my report that I need removed. I am a victim of identity theft and did not make nor authorized these changes. I ask that the items be deleted to correct my credit report. I have already reported my identity theft to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I have reach to XXXX XXXX many times to update my late payments on my credit from XXXX. I just placed another call XX/XX/XXXX and a rep stated on a recorded line they can't see my account dated that far back. How was this looked into before

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 2018-11-09
Company: Experian Information Solutions Inc.
State: GA
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:
I have retained new copies of my credit reports, and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by  not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX about XXXX. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.

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 2021-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery calls me repetitively every single day, I've asked them to cease and desist all contact to that phone number, 4 times week alone, approximately 20 times total. They continue to call every day, all hours of the day and evening from.different phone numbers and area codes. I have call logs showing the frequency of the calls. I've gone as far as making the person on the phone look up the definition of the words Cease and Desist on more than one occasion and they continue to call repetitively. I've threaten legal recourse and they still continue to harrass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/2020 my father passed away, going through his files, I found {$100000.00} in four accounts with Capital One. 
XXXX I informed Capital One of his death, they sent me forms to fill out and told me of the information I need to send them. They told me 3 to 5 business days. I filled out forms and sent needed paperwork back on same day. 
XXXX On email I sent back I asked for information of his accounts IE are there beneficiary and joint names on accounts. 
No response I waited the 5 days sent email requesting information on accounts, I also called and tried to get to them on the phone, I was informed only the department on the emails can help me. But i was told it can take up to ten days. 
on tenth day I emailed again and called again, I was assured they would respond by the next day XX/XX/XXXX. XX/XX/XXXX no communication. I email and called XX/XX/XXXX and was informed this is all my fault. AS of this day XXXX I have not received 1 message from Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My original home loan was sold to Nationstar dba Mr. Cooper in XXXX. In XX/XX/XXXX I sent my county tax bill to Mr. Cooper within 24 hours of receiving it in the mail. Mr. Cooper confirmed it received my tax statement. I assumed they paid it from my escrow. 
On XXXX I received a past due tax bill from the county I live in. I immediately called Mr. Cooper and they assured me it would be taken care of in 7 business days, and that they would now pay the almost {$600.00} late penalty fee. Seven or eight phone calls later my taxes still have not been paid. 
On XX/XX/XXXX I was told the taxes had been sent priority mail on Saturday XX/XX/XXXX. When the taxes had not been received, I called Mr. Cooper on XX/XX/XXXX and they told me two different stories. First the lady named XXXX told me the taxes were wired two days earlier, then XXXX told me after speaking to XXXX XXXX in the tax department that the check would go out that day ... priority mail. As of XX/XX/XXXX the taxes still had not been received by my county. When we called on XX/XX/XXXX we were told the taxes actually had not been mailed until Monday XX/XX/XXXX. No one at Mr. Cooper can provide us with a priority mail tracking number to prove it has actually been mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, XXXX ( XXXX ) separate transfer transactions whereby a XXXX party criminal transferred over {$85000.00} from my savings account to a bogus saving account and Chase Bank let it happen. On XX/XX/2023, this criminal again transferred over {$8800.00} from our Chase Checking account, again nothing from Chase, no notification no alerts. 
This criminal impersonated me walked into a Chase Bank branch and authorized the 9 transactions, Chase Bank did nothing. This person was not me, I did not authorize the transactions. This criminal wiped out of our life savings. Chase has done nothing. We contacted the Fraud department of Chase and Fraud department agreed the transactions were not ours. We contacted the Claims department of Chase to open a claim and first were denied be able to request a claim, we called Fraud back and Fraud indicated claims would be taken. Two separate claims were taken one for checking and one for the savings. 

Chase Claims denied the checking claim indicating the transaction resembled the history of transactions, which it did not. We never transferred {$8800.00} to any savings account. 

We filed a police report indicating all of the thefts. 

Chase Bank seems to be only in it for its own profit and not looking out for the consumer. the accounts are insured yet Chase refuses to give our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On multiple occasions spanning from XX/XX/2022 to XX/XX/2022 I submitted evidence and requested a refund from Cash App aka Square Inc. for ( 2 ) {$1200.00} disputed online transactions that I never received the product or service for. Cash App denied my dispute on XXXX XXXX and XXXX based on the reason that no error occurred which was not the type of dispute that I filed. I refiled the disputes and submitted the same evidence and Cash App is still saying no error occurred to a Consumer that didn't get the product and/or services that was paid for. 
Dear : Cash App I am contacting you demanding a refund of [ {$2500.00} ] for ( 2 ) disputed transactions that I have not received the product or service for from a merchant XXXX XXXX XXXX ) that you have on your platform. I am attempting to resolve this out of court, but if I can not come to an agreement of getting refunded, I intend to sue. 
Here is a statement of my case that I intend to submit to the court : I entered into an agreement on XX/XX/2022 and XX/XX/2022 with XXXX XXXX XXXX XXXX  aka XXXX XXXX  that stated they would provide a XXXX XXXX XXXX offer that would include XXXX. XXXX. The agreement stated Church On XXXX XXXX aka XXXX XXXX  would have these properties by XX/XX/2022. XXXX XXXX XXXX XXXXXXXX aka XXXX XXXX  have not provided any XXXX. XXXX or mentions XXXX. XXXX at all anymore. As per the terms of the agreement I paid XXXX XXXX XXXX XXXX  aka XXXX XXXX  which billed me as XXXX XXXX through Cash App {$1200.00} x ( 2 ) in advance so they could supply my XXXX XXXX XXXX. XXXX. I am now demanding {$2500.00} from XXXXXXXX XXXX XXXX  XXXX aka XXXX XXXX  for breaking our agreement.

Company response to consumer: Closed with explanation