BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: DE
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:
My complaint is with Equifax and XXXX  Credit Bureaus.I have verifiable proof from the agency ( Attorney General Texas XXXX XXXX Account number # XXXX ) reporting info. And it is opposite of what Equifax is reporting. Equifax is Reporting my account over 180 days late as is XXXX. Equifax says they verified it, but there is no way. the same is true of XXXX. I have submitted documented proof admissible in a court of law showing all my payments have been up to date. They must correct this info or delete the derogatory info. It has hurt my ability to obtain credit. I have filed complaint with Equifax 3 times online always getting answer verified. And 2 times written to Equifax with the same answer. This is false info. I have submitted all documents proving my case. Please help me as this info they are reporting for Attorney General XXXX XXXX account # XXXX is totally false. I am attaching all documents for you to see. I have asked over in over to correct it or delete it from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions 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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit 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 explanation
Consumer complaint received 2020-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Company responded to complaint XXXX by providing false testimony. My complaint was that they violated the law by not providing me with my statements 21 days before the due date ... and they continue to fail to allow me to look at my statements in a timely manner. CHASE says that I have to sign a new legal agreement FIRST ( evidence was provided in my original complaint ). ... ... ..In responding to my complaint, they stated : " Based on our review, you are being required to accept the legal agreements because as of XX/XX/2020, we are reflecting that the agreement were deleted by your User ID. '' THIS IS FALSE. THEY MADE IT UP. I asked for proof of this alleged deletion, and they said they could not provide it because they deleted due to their record keeping requirements. THIS IS ALSO FALSE : Banks are required to maintain records, particularly with respect to contracts. They are require to inform me in writing of any changes to this contract. CHASE lied, both on the phone and in their written reply. What kind of obfuscated language did they use? What does " based on our review '' and " we are reflecting '' mean -- except to disguise the fact that they are making up the incident they are reporting. FRAUD ... ... ..PERJURY ... ... INTENTIONAL MISDIRECTION. Call it what you like, but it is NOT a response to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NJ
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 see things may be inaccurate. Start looking at the accounts XXXX XXXX XXXX and XXXX XXXX. I believe this information may be inaccurate. I need this deleted now. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Informative Research
State: WA
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 have made several calls to XXXX. this is not my account. they confirmed this is not my account, but it is showing up on my credit report. The bank is not wiling to confirm an account they do not have, and the credit bureau is not able to update without a confirmation of the account. it is a silly game back and forth on an account that I never opened. Please help me get someone to fix this injustice. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: GUARANTEED RATE INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the loan process with Guaranteed Rate Affinity and was asked to pre-pay an appraisal fee of {$870.00} during the loan application process. 

After the appraisal was completed the fee noted on the appraisal was only {$350.00} ( page 4 of the attached appraisal ). 

The company 's own website states it should only be a " few hundred dollars '' and that there are no additional fees ( see attachments ). 

I contacted the loan officer who stated there were mistakes in the charges, and it would be refunded. Now the company and loan officer refuse to respond or refund the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX XXXXXXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  car sales inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX  XXXX XXXX XXXX date XX/XX/XXXX business type automotive dealer inquiry not made by me XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX this is type automotive dealer inquiring not made by me I've tried to have it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX car sales inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX slash XXXX inquiry not made by me XXXX XXXX XX/XX/XXXX inquiry not paying by me

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 2023-09-06
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting act 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: VA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
re : The PenFed XXXX Visa Card offered by the PenFed Credit Union In XX/XX/2022, I received a notice from PenFed Credit Union of my pre-approved offer for a PenFed XXXX Visa Card. I followed the procedures in the offer letter to accept the pre-approved offer. I received the card some time in XXXX. It is now XX/XX/XXXX and after multiple attempts I have been unable to access my account via the application or online through the website. On or about XX/XX/XXXX I spoke to a PenFed representative regarding my account and discovered that my account had been 'blocked ' by the PenFed 'fraud ' department. I have never been able to access my account online nor have I received a statement so that I might be able to review transactions to verify if there are any mistakes on my account. I believe this to be a breach of the Fair Credit Billing Act and a breach of the Cardholder Agreement. Further, I have been prevented from speaking with a Representative in the Financial Security Department to discuss the reasons for my account being blocked.

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 2020-05-14
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite my previous written requests, unverified items still remain on my credit report in violation of Federal Law. They stated previous responses to my other dispute letters that they have verified some items as accurate but failed to provide me with copies of the documents that they used to verify these accounts as per my request. their failure to provide me with the proof of the disputed accounts is evidence that they can not and did not verify any of the disputed accounts as they say they do. Their failure to delete the disputed accounts that can't be verified after my written requests is also evidence of their willful disregard of Federal Law. I ask again that these items be removed.

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 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Back in XX/XX/XXXXan disputed account ( XXXX XXXX XXXX ) was deleted from my credit report, However, as of XX/XX/XXXX the same account has been reinserted without my knowledge nor consent. The FCRA specifically says " that information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. In addition, the consumer reporting agency is required to send the consumer written notification within five ( 5 ) business days that the information has been reinserted, and provide contact information for the company that furnished the information, and they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports of information that is deleted. I would like this account blocked permanently or I shall file suit against the credit reporting agencies, I was not notified of anything and this account ( XXXX XXXX ) has been deleted for over 2 months, way passed the allotted time frame allowed by the FCRA.

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: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have credit inquiries on my report that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, via the ATM deosit I deposited a check into my business account at Wells Fargo on a check drawn on XXXX XXXX XXXX XXXX written on the account of my customer. The check was for {$1700.00} and when deposited Wells Fargo did not make any funds available to me. On Wednesday I was told by my customer the check was paid but Wells Fargo refuseS to deposit the funds into my account. Wells Fargo claimed that the bank on which the check was written, XXXX XXXX, informed them that there were irregularities on the XXXX XXXX Account the check was written on. I confronted the representatives and had the call escalated to their Customer Advocacy Group who did nothing. 

Our customer was able to confirm with XXXX XXXX the the check was paid by XXXX XXXX and Wells Fargo refused to deposit the funds into my account claiming that they were no making the funds available to me until XX/XX/XXXX. I called the executive offices and the call kept dropping until final they refused to make my funds available to me using false claims in an attempt to hold onto my funds longer making it clear that they are floating and using customers funds instead of making the funds available to the customers. My account is still showing a negative despite the fact the funds on the check I deposited was paid.

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 2019-04-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I noticed a {$2.00} fee on my statement in XX/XX/2018. I called and was told the only way i could make the change to move to electronic statements was online. I was given my on line ID and was told to log in. I tried to do that and was unable the system says it was unavailable. I told the operator told me he was sorry and to try again. I have tried several times unsuccessfully to log on to their online portal to make the change, each time i get the same message. They have now taken/stolen over {$20.00} from me. This seems like an unreasonable request to put on the customers of the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10
Company: Santander Consumer USA Holdings Inc.
State: VT
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:
Hi, I used a COVID 19 relief program with Chrysler capital to defer my payments for a few months. While setting up this program I was told that auto payments would resume at the end of the term. This did not happen. Chrysler Capital did not contact me or send me any statements or letters after my deferral was up. I got a bill after 45 days saying I owe 2 payments XXXX $ I immediately called them and asked why my account was past due. I payed the XXXX $ immediately and set up auto payments. During this call I spoke with a supervisor who assured me this wasnt my fault and it was Chrysler capitals fault. I then noticed a week later that my credit score was affected by this mistake. I called Chrysler cap, explaining the issue and the employee assured me that they would contact the credit department and remove this from my score. Month goes by and no changes. I filed a despite with XXXX XXXX explaining that this was a mistake due to natural disaster. ( There is a note on my credit report confirming this ) transition denied my dispute. From here I called Chrysler cap. transferring from department to department till I got to the central office for disputes. I spoke the the manager here and he agreed that this situation is their fault and said he would launch an investigation. It has been months since I last spoke to him and he wont return my voicemails. I have tried everything to set this situation straight and I feel like this company is being unfair and dishonest. This has affected my credit score and Im very upset with the lack of accountability on their end. Please for the love of god help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please be advised that this is my SECOND REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.

You are required under the FAIR CREDIT REPORTING ACT to have properly verified that an account listed on my credit report is mine by having a copy of the " original credit application file. 

See Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: IN
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief