BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My XXXX XXXX XXXX made XXXX unauthorized in app purchases from XX/XX/2023 to XX/XX/2023 using my ipad without my knowledge from XXXX. 

XX/XX/2023 for XXXX XX/XX/2023 for XXXX XX/XX/2023 for XXXX  XX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX  XX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XX/XX/2023 for {XXXX XX/XX/2023 for XXXX  XX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXXXX/XX/2023 for XXXX XXXX XXXX XXXX XXXX XXXX 

In order to stop this, I had to delete my XXXX  card information from XXXX as soon as I discovered these unauthorized charges on or around XX/XX/2023. 

I immediately requested XXXX to delete these unauthorized in app purchases from the ipad and to refund me. XXXX then refused to reverse these charges after multiple requests and attempts, from around XX/XX/2023 to XX/XX/2023, they said to take it up with the credit card company. 

I called and submitted a dispute of unauthorized charges for unauthorized purchases over the phone with my XXXX  card company around XX/XX/2023. They reversed XXXX of the XXXX charges for XXXXXXXX  from XX/XX/2023. But refused to reverse the other XXXX charges. I then submitted a second request to the credit card company in writing to dispute these unauthorized charges around XX/XX/2023. 

The XXXX  card company sent a message that said they would review this and then they sent me a letter dated XX/XX/2023 indicating that they reversed XXXX of the XXXX unauthorized charges but will not reverse the other XXXX of the XXXX unauthorized charges. 

I am formally writing to file a complaint against Chase credit card company for allowing unauthorized charges to my XXXX  card and then refusing to remedy the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 contacted Transunion to have fraudulent inquiries removed from my credit report after filing a report with the FTC. They keep telling me that they have not received any of my information tho it has been sent more then once. I need this fraudulent activity removed from my report at once.

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 2023-07-21
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This account was charged off on my credit reports. The creditor reduced the balance to XXXX. That's what is reporting to the bureaus. Now they filed a lawsuit in the magistrate court. The date of the summons is XX/XX/2023. The paper was taped to my front door at home on XX/XX/2023. 30 days have passed to respond to this report. Service was not proper. I am asking the debt collector to withdraw the lawsuit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never applied for a XXXX XXXX XXXX XXXX I did receive ; however, via XXXX XXXX, a suggestion I apply for the XXXX XXXXXXXX XXXX XXXX  as I had a high chance of approval and the subsequent approval and issuance of the XXXX XXXX XXXX could improve my credit score. 

I DID NOT APPLY FOR THE XXXX XXXX XXXX XXXX I AM NOT CLEAR IF XXXX XXXX OR WHO/WHOM SUBMITTED THE APPLICATION FOR THIS CREDIT CARD ON MY BEHALF. 

I DO RECEIVE PRE-APPROVAL OFFER LETTERS FROM XXXX XXXX XXXX XXXX  ON A WEEKLY BASIS STATING I AM PRE-APPROVED FOR THIER CREDIT CARD. 

I IGNORE EVERY LETTER THEY SEND TO ME AS I DO NOT WANT THE CREDIT CARD.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never applied for a XXXX XXXXXXXX XXXX XXXX I did receive ; however, via XXXX XXXX, a suggestion I apply for the XXXX XXXXXXXX XXXX XXXX as I had a high chance of approval and the subsequent approval and issuance of the XXXX XXXX XXXX could improve my credit score. 

I DID NOT APPLY FOR THE XXXX XXXXXXXX XXXX XXXX. I AM NOT CLEAR IF XXXX XXXX OR WHO/WHOM SUBMITTED THE APPLICATION FOR THIS CREDIT CARD ON MY BEHALF. 

I DO RECEIVE PRE-APPROVAL OFFER LETTERS FROM XXXX XXXX XXXX XXXX ON A WEEKLY BASIS STATING I AM PRE-APPROVED FOR THIER CREDIT CARD. 

I IGNORE EVERY LETTER THEY SEND TO ME AS I DO NOT WANT THE CREDIT CARD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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:
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. 

Account name : 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 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 2018-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2018 money form my bank account were stolen. It was 3 transactions. Full amount was XXXX dollars. XX/XX/2018 I called Bank of America and they created fraud claim and put account on hold. They said it takes 60 days for investigation. Today is XX/XX/XXXX and I call them almost every day. They only thing they say is I have to wait. Could you help me with this situation please. 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 monetary relief
Consumer complaint received 2023-07-22
Company: EQUIFAX, 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:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In Fall 2019, I was unable to make my mortgage payment for my home at XXXX XXXX in XXXXXXXX XXXX The cost of the insurance, in a flood zone kept increasing and my monthly income is from Social Security and a pension was about {$1200.00}. The monthly payment increased to about {$850.00}, including insurance and taxes. 

I began receiving phone calls and letters from Wells Fargo telling me that I was going to lose my house and ruin my credit unless I paid up my mortgage. Then I started getting phone calls and people stopping by my house asking if I was ready to sell it. They even asked my brothers next door if my house was for sale. When asked how the real estate people found out about my home, they said it was on the Wells Fargo site. 

A person, XXXX, from XXXX XXXX XXXX XXXX, offered me {$11000.00} cash if I would sell them my house. They would pay off my back payments of six months and any outstanding bills ( XXXX ). My neighbor, XXXX XXXX, met with XXXX and a notary public, twice to close on the house. He had only {$3000.00} cash with him. He said that XXXX, the builder, who was going to " flip '' it would pay the rest after the house was fixed up and sold. I have never received any additional money. XXXX XXXX called, and XXXX and XXXX kept telling him I was going to get paid. I did not receive any further payment for my home. The Notary Public witnessed these events. 

In now live in an RV on XXXX XXXX in XXXX, XXXX. I have no heat, air conditioning, and no hot water. I feel that I was lied to by not only Wells Fargo, but also XXXX XXXX XXXX XXXX. If anyone could help me, I would really appreciate it. 

I paid mortgage payments for 20 years, including taxes and flood insurance. My home sold for {$58000.00}. Wells Fargo told me that I did the right thing to sell it. I talked to Customer Service personally. Now, I am sharing my story with you. 

My neighbor and friend, XXXX XXXX, has created this account for me and is using her email address to stay in contact with you. She was also a witness to my closing with 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 2021-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was stolen on XX/XX/XXXX. It was last seen in XXXX XXXX on XXXX XXXX before heading to a friend 's house in XXXX, WA. I was not aware that it was out of my possession until XX/XX/XXXX as I thought it was at my partner 's house in XXXX XXXX. When I logged into my BAnk of America account I found that XXXX was spent on my card at XXXX XXXX in XXXX, XXXX in XXXX and XXXX in XXXX XXXX as well as XXXX 's in XXXX XXXX. I have never spent money at a physical XXXX location nor have I spent that much money in a 24 hour period shopping in my entire credit card history. I reported the card as stolen to the bank and the bank gave me a temporary credit but then later determined that I was responsible for the charges as I had authorized someone to my account. As of XX/XX/XXXX the credit card company declared me responsible for the stolen charges as well as any interest accrued thereafter from those purchases. I appealed the decision of the credit card company twice who then said this type of charge was consistent with my purchase history. Nowhere in my purchase history have I spent more than {$500.00} at a physical location at a store or more than {$2000.00} in less than a 24 hour period. I have a police report on record for the stolen credit card. I am the sole authorized user of the credit card for my business and never authorized anyone to make purchases for me. 

The following were purchases not made by myself : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's : 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 2023-07-23
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IN RVIEWING MY CREDIT FILE I FOUND A FEW ACCOUNT THAT I DO NOT RECOGNIZE AND NEED TO BE REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: ALLIANT CREDIT UNION
State: MO
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:
Hi, Therer was a recent inquiry on my Credit reports inquiring about auto loans from the following companies : - XXXX. XXXX XXXX XXXX XXXX. Alliant Credit Union XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX This was very disturbing as I am not aware of any of these enquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never applied for a loan and made so many disputes since this showed on my report..I never had a loan from this Heights Finance/ XXXX to miss a payment. My payment history was 100 % before they reported that I had an account with them and then started hurting my credit with 30 to 60 days late payment knowing that the monthly payment as they stated is {$86.00}. I have larger amounts to pay my car loans and some of my credit cards and kept a 100 % payment history before this happened..If it was mine, I would've never risked my credit going bad and I would've paid it all off. But this account in Fraudulent.

During m phone call to this company, I was informed that they send pre approved checks to mail boxes and they sent it to my previous address that I left earlier this year. So no credit application, no risk assessment and when the check went to an old address and God knows what happened with it..They started putting it on my report and I started disputing for inaccuracies first but when thy started blaming me for late payment getting my 100 % payment down to 98 %, I realised that this is Fraud.

Please ask this company if they have any credit application from me, studied my credit worthiness, risk assessment or even made sure the check went to the right correct address and I know for a fact that none of these criteria for lending were satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I leased an apartment for my father. - My father completed the lease and went on a month to month lease. While staying in the apartment my father had several issues, such as a dead mouse in the Air Conditioner and the last item that caused him to leave was a full flood of the apartment due to a maintenance issue. My father alerted the apartment complex in verbal and written communication, that due to the flood he would be leaving the apartment since it was not livable. It wasn't until we were contact by an attorneys office did we have any information that they had sent me to a collections company for not giving 30 days notice. I have tried to dispute this with the attorney and the apartment complex several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: LA
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 have been submitting disputes to Experian with no success. I have reported this issue with CFPB but they still wont respond. I have a new collection account on my report that isnt mines. I filed a disputed today XX/XX/15 this morning and its has resulted as updated this afternoon XX/XX/15. They are not properly investigating these accounts.

Company response to consumer: In progress
Consumer complaint received 2021-02-12
Company: Rent Recovery Solutions
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/20 Miss XXXX from rent recovery solutions told me and my boyfriend that we owe them money for an apartment we moved out of. 
I was the secondary on the account and my boyfriend was the primary person on the account. 
We asked for verifications of the debts owed and they never provided us any of that information. 
My boyfriend disputed this and it was removed from his account. It has not been removed from my account and now they are calling me saying I owe the debts that we never verified in a respectful time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

Company response to consumer: In progress