BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've already notified the appropriate creditors about these phony accounts, and I've sent along all the supporting paperwork needed to confirm the accounts ' late payments. Several credit reporting agencies have verified the instances of late payments and swiftly removed these accounts from my credit history. 

XXXX XXXX XXXX- This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX LT customer service. 

XXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service. 

I am aware that you have 30 days after receiving a customer dispute to look into disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). I implore you to act quickly to settle this matter and make the necessary updates to my credit record. 

In addition, after the required adjustments have been made, I would like a copy of the updated credit report as well as written confirmation of the removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Experian Information Solutions 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on 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 2023-03-29
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I AM A VICTIM OF IDENTITY THEFT FROM EQUIFAX DATA BREACH!

1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
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. 

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 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 2023-11-30
Company: EQUIFAX, INC.
State: AZ
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 express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. 

I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. 

Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. 

I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. 

In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to the appropriate regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am filing to formally raise my complaint regarding the inaccurate credit information present on my credit file. These inaccuracies not only cause embarrassment but also hinder my ability to access the credit I rightfully deserve. It is well-established by law that credit bureaus must report only precise credit information. It is evident that the inclusion of this erroneous information is either a mistake on your part or on the part of the reporting creditor. It is disconcerting to find that the following information has been included in my credit report : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please delete these fraudulent accounts in my credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter of great concern regarding the multiple attempts made to rectify the issue of a late open account at your esteemed institution. I would like to express my disappointment with the handling of this matter, and I believe it is imperative to address it formally. 

I initiated the process of opening an account with your bank. Unfortunately, due to circumstances beyond my control, there was a delay in completing the necessary documentation, resulting in the account being opened later than anticipated. 

I contacted them to explain the situation and inquire about the necessary steps to rectify the delay. The representative assured me that the matter would be promptly addressed, and I was given a timeline for the resolution. 

To my dismay, despite the assurances provided, the issue persisted, and I found it necessary to contact your customer service department to follow up on the status of the correction. Regrettably, each time I contacted your institution, I received conflicting information, and the matter was not resolved within the promised timeframe. 

This continuous inconvenience has caused me considerable frustration and has raised questions about the efficiency and reliability of your institution 's customer service and account management processes. As a customer, I believe that timely and accurate resolution of issues is fundamental to maintaining a positive relationship with a financial institution. 

I request that you investigate this matter thoroughly to understand the root cause of the delays and provide a detailed explanation of the steps taken to prevent such occurrences in the future. Additionally, I expect a formal apology for the inconvenience caused and a clear outline of the measures that will be implemented to rectify this situation promptly. 

I appreciate your immediate attention to this matter and expect a comprehensive response within the exact timeframe of receiving this letter. Failure to address this concern adequately may compel me to escalate this issue to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$7800.00}XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Strategic Alliances, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sent his debt collection and given a certain amount of time to dispute it but both the phone numbers and the websites they gave me to contact them or dead sites. There was no legitimate way to reach them. And they said if I don't respond by the XXXX of XXXX this will go on my credit report and I have no idea what this debt is. It comes from first financial asset Management Inc and it says the original creditor is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I hope this message finds you well. I am writing to you regarding a concerning issue with my PayPal account.

I recently discovered that my PayPal account has been permanently restricted without any apparent reason. I have attempted to contact them multiple times via phone to understand the grounds for this restriction and to request the restoration of my account.

Regrettably, despite my numerous calls, I have not received a clear explanation for the restriction, and no measures have been taken to reinstate access to my account. What adds to my concern is that funds have been deducted from my PayPal account without any apparent justification or authorization from my end.

I want to emphasize that I am a responsible user of Paypal 's services and have not violated any of the terms outlined in PayPal 's user agreement. Consequently, I am unable to carry out normal transactions, and I am facing financial losses due to this unjustified restriction.

I hereby request your immediate intervention to resolve this situation. I expect a detailed explanation for the restriction of my account, as well as concrete steps for its full restoration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: AL
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
CAPITAL ONE 360, Account # : XXXX Open Date : XX/XX/2022. Account closed and reported under my name on Early Warning Systems. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account. Attached is the FTC Report, Police Report,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XXXX XXXX XXXX, owner of the house XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I bought from XX/XX/XXXX, to the present and have never purchased insurance from XXXX  company, but XXXX  company reported it wrong with this person whom I never knew : XXXX XXXX Date of Birth XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX claim number : XXXX. 


I received notice from my insurance company that someone reported a fire and took insurance money from a XXXX XXXX XXXX XXXX. I confirm that I have never bought insurance from a XXXX XXXX XXXX XXXX So please recheck and remove this case and investigate the person who fraudulently reported it. I have attached information to this email and please see it. Thank you and look forward to receiving your earliest response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I recently had a business transaction done where a customer paid me {$7700.00} for my services. CHASE WePay decided to hold these funds for 120 days from XX/XX/23. I provided them all information about my business, including invoices, etc. They decided to continue holding my payments. I do not understand why they are continuing to hold. They stated it was because of high risks of chargebacks or disputes. Since that day, I have not received any chargeback or dispute notifications for my business for that transaction. I would like my money back. This caused a lot of stress for me since the customer paid for a service and the funds never arrived to me. I also reached out again in XXXX and they gave me the same answer, that the funds would be reviewed for release 120 days from XX/XX/23. Im tired of waiting and would like the funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I noticed some unusual activities on my checking account where my debit card ending in XXXX was used. The transactions in questions are : XXXX XXXX {$67.00}, XXXX- {$22.00}, XXXX XXXX  {$59.00}, XXXX XXXX XXXX, XXXX XXXX XXXX. There were also some other charges were someone called and had some of my previously paid transaction reversed. My account has been compromised and I also filed a complaint with the FTC ( Report number : XXXX ) and CFPB ( XXXX ) after I got over some of my embarrassment. Both of these report were filed on XX/XX/XXXX. On XX/XX/XXXX Chase bank reversed the credit and is charging me for these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I RECEIVED A CLAIM FOR PAYMENT FOREBARANCE UNTIL XXXX AND I REQUESTED TO REQUESTED TO DO A MODIFICATION TO PREVENT MY ACCOUNT FROM GOING 30 PLUS DAYS DELINQUENT ON MY CREDIT AS I'M IN THE PROCESS OF GETTING A GOVERNMENT JOB WHICH I CAN NOT BE DELINQUENT ON MY BILLS. I WAS PROACTIVE AND MADE SURE TO GET THE DOCUMENTS BACK IN TIME AND NEW AMERICAN REPORTED MY ACCOUNT FOR 120 DAYS PAST DUE AFTER I SUBMITTED THE LOAN MODIFICATION DOCUMENTS. THEY DID NOT CALL OR SEND ME ANY ADDITIONAL NOTIFICATION THAT IT WAS GOING TO BE REPORT OR IT WAS MISSING A SIGNATURE. I WOULD LIKE THE PAST DUE DELINQUENCY REMOVED AND UPDATED AND THIS IS THE SAME THING THAT HAPPENED MY PARTIAL CLAIM BACK IN XXXX. XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation