BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: MO
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 called the XXXX, Experian, and XXXX Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading and inaccurate to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe that the Credit Bureaus have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, # XXXX, and # XXXX and hoping that the following account be immediately corrected and or deleted on my Credit File : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX # : XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

These items/accounts are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear sir/madame, On XX/XX/2022, I sent a wire transfer from my business account at Bank of America to my partner 's account at a bank in XXXX to pay for the services they provided to my company. The receiving bank in XXXX was supposed to be XXXX, though the funds never reached it. The whole chain is Bank of AmericaXXXX XXXX XXXX 
XXXX XXXX. is an intermediary bank in this transaction, and I assume XXXX XXXX. has been holding my funds since then. The XXXX number for this wire is XXXX. 
I have previously submitted a complaint against XXXX with Consumer Financial Protection Bureau, case # XXXX. Based on their response received on XX/XX/2022, XXXX XXXX. is unable to assist with a wire in which XXXX is the intermediary bank. XXXX advised to contact the origination bank, which is Bank of America. 

I have contacted Bank of America prior to that complaint over XXXX times in XXXX and XXXX of 2022 with no luck. Per their verbal statements, they have attempted to request a wire recall which was denied, and can not assist me any further. 
Bank of America has not provided any proofs that such request have been made and/or denied. Their wire department and money move team were not helpful and I would say some representatives were even rude with me. They told me there was nothing they could do to help me to get my money back into account, and advised I should not call them any more about that wire. 

It's almost 5 months I am missing {$52000.00} on my Bank of America account. I am a customer of Bank of America, they were the bank sending that wire that got lost. They have charged me wire service fee, and I believe they did not do their job properly to get those money back into my account. By filing this complaint I am asking Bank of America to provide me documental proofs of wire recall requests being made and being denied, and to further investigate this wire transfer until the money being returned into my account. 

Thank you for the support, 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 2020-12-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
my computer was hacked by people saying that they were from amazon security this was on XX/XX/2020 they told me that i had to help them by depositing money in banks in XXXX  the amounts were XXXX XXXX XXXX XXXX and again XXXXthey told me i had to do this when i told them i felt threatend the y said they were threating me and if i didnt do this they would come and commit XXXX  I was under XX/XX/XXXX son i submitted to ther demands after it was done they called and laughed at me i am now devistated. please help me hanover chas e is my bank in XXXX ca, I have tried to con tact them but with no rethe other organizations i have reached outsponce i filed with both lacal XXXX pd and then with the FBIcase no. is XXXX XXXX i have reached out tothe veterans administratio because i am a retired XXXX XX/XX/XXXXXXXX  XXXX error they could not help others i have reached out to are XXXX XXXX XXXX XXXX XXXX XXXX. i spoke chase global XXXX XXXX XXXX XXXX they do not respond to me.spoke to XXXX XXXX  at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX ca she said she would stay in touch along with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Phillips & Cohen Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 XXXX XXXX XXXX send me a letter trying to collect on the wrong amount.. I want this debt deleted off my credit cus its reported wrong payment history facts and the prices for the debt is different

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Conn's, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent letters to validate this debt for 8 months. haven't heard anything about the the bureaus. this information is not accurate & not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: AL
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 hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX  Account Number : XXXX It's showing that I have a collection account. But here 's the thing, I've never been had any association with this account or company Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements that show this collection belongs to me? If it turns out there's no proof of this collection belonging to me, then it's only fair that this account be deleted. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2022-10-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

These items/accounts are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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 2020-10-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am disputing information on my Pennymac mortgage which is now closed. The late payment dates that the company is reporting is incorrect. They are listing dates that I actually paid. I sent the company over verification of the dates in question but they did not respond. 
Furthermore, during the times that I was late with my payments, I informed the company and provided documentation that I was out of work on medical leave due to an unexpected illness. I have since returned back to work and have paid all my bills on time. 

The account is now closed but the late payments are hindering my score and my financial progression which is crucial during the current COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

These items/accounts are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-01-01
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: PLANET HOME LENDING, LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Planet Home Lending LLC Mortgage Co, Received a Large Payment ( XXXX ) from XXXX XXXXXXXX XXXX on XXXX XXXX, My Mortgage Balance was {$51000.00} and now balance says {$36000.00}, this has to be a mistake on their part, my balance should read now between $ XXXX {$31000.00} owed. Also my name as XXXX XXXX XXXX is the Owner should read on my Loan, not my Ex-sponse whom I divorced since XXXX XXXX, He ( XXXX XXXX ), he also filed Bankruptcy as of XXXX XXXX, Balance XXXX on his behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 hope this letter finds you well. I am writing to express my deep concern and frustration. This marks my second attempt to rectify this issue, and it is essential to address this matter promptly and effectively. 

I initially reported the fraudulent items and followed the prescribed procedures outlined by your company for reporting and removing such items. Unfortunately, despite my initial efforts and your assurances of prompt resolution, the issue persists. 

I want to stress that the persistence of these fraudulent items is causing me significant distress and financial hardship. It has also eroded my trust in Credit Bureaus, which I had previously regarded highly. As a loyal customer, I expected a higher level of service and security, which has been lacking in this situation. 

I kindly request that you take immediate and comprehensive action to investigate and rectify this matter. I expect a prompt response, detailing the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I urge you to strengthen your security measures to prevent such incidents from happening in the future. 
If my concerns are not addressed satisfactorily and promptly, I may have no choice but to escalate this matter further, which may involve seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please assist me to removed the following fraudulent items in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ARXXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted XXXX in XXXX of 2020 to notify them of the fraudulent account, this account was not opened or authorized by myself. Account is being reported as closed but charged off with a balance that is over due and late. As of today XXXX continues to report this negative and inaccurate information to my personal credit report, damaging my credit and further intensifying the financial burden and stresses as a result of covid - 19. This information was previously disputed by Equifax and removed, yet Equifax continues to allow this inaccurate information to report again without blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I have unsubscribed from all email communications from Transunion 2 times, on or about XX/XX/XXXX and again on XX/XX/XXXX. I continue to receive emails from them pushing their subscription services.

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 2023-09-24
Company: EQUIFAX, INC.
State: PA
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 sent in my letter for Equifax to review after I received my credit report to ask them to investigate the things on my credit. I had XXXX and been recovering for about 8 years. I had many surgeries. I got sick in 2015 and hadn't look at my report in years. So the information here is wrong. I also filed a fraud report with police and with all 3 credit unions. I know I had several fraud acts but my accounts are locked now. My report from Equifax came back with the same information on it. In fact there is more on there than what I reported initially, so I was concerned about it. Equifax said they did a re-investigation on the paper. How can you do a re-investigation if I did not send anything for you to re-investigate? It was the first time I sent something. I feel like my rights are being violated by Equifax under the - FCRA Violations, Section 609 Stipulations,15 USC 1692, 15 USC1602, 15 USC 1601, and 15 USC 1666 concerning their investigation towards me.

Thank You for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Contact info Name XXXX XXXX Address XXXX XXXX XXXX  XXXX, FL XXXX Phone number ( XXXX ) XXXX Contact info Name XXXX XXXX Address XXXX XXXX XXXX  XXXX, FL XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
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: Account information incorrect

Complaint:
My new balance with XXXX student loans is {$4400.00}. All other student loan debt was forgiven via the XXXX student loan, I have called XXXX and Equifax to have this corrrected and its stil on my report. I even provided the XXXX account statment, its attached again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2016 Chase/XXXX XXXX XXXX XXXX reported my account 30 day delinquent. 
Chase statement was to be delivered electronically. Chase delivered the statement to an incorrect email address. The statement never made it to my personal email address and no paper statement was mailed. When I realized that the statement was delayed and knowing that there is a small balance on my account, I contacted chase by phone and was advised of the issue. I immediately paid all outstanding balance and was credited back the late fee due to the non deliverable statement issue. 
Chase Bank, however, never removed the delinquent mark from my credit report, causing me unfairly a great deal of financial hardship. I contacted Chase several times, in writing and by phone, I also contacted the credit bureau, whom in return notified Chase Bank of the issue. To this date Chase has not removed the delinquency mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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