BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TX
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
There are several inquiries on my report that I did not authorize and I would like to have them removed. 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. PLEASE REMOVE THESE INQUIRIES IMMEDIATELY AS THOSE CREDITORS DID NOT RECEIVE MY CONSENT TO RUN MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NJ
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 can not have this on my credit. I understand that it is an abuse that there is still this incorrect information under my name. 

XXXX - XXXXXXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-26
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Chime Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Sir/Madam, ( Facts ) In XXXX I had transaction with Sendwave, a money transfer company. I noticed debit in my account and mistook it to suspicious activity. I reported the transaction to my bank- ( XXXX XXXX  ). My bank acting on the report, reversed the transaction and two other transactions, {$600.00}, {$600.00} and {$300.00}, from same company.

The reversal of the three transactions made me look critically to my account. After careful look at the transactions, I realized it was a legit transactions between me and Sendwave. On knowing this face, I quickly called my bank and notified them that the transactions were legit. My bank promised to rectify it quickly. 

I followed it up, I called my bank to confirm confirmed they have credited Sendwave for the three transactions mistakenly reversed. The bank further informed to me they reversed the transaction to Sendwave on XX/XX/XXXX and that it would take about one month to reflect on their account.

Meanwhile by then Sendwave had blocked my account with them. Between XXXX - XX/XX/XXXX, I called Sendwave office about three times to confirm if they have received the credits and to unblock my account. In each of those calls, they continued to insist I am owing them the sum of {$1500.00}. When I called their office on XX/XX/XXXX, I was told the same story, that I am indebted to them in the same amount. 

I approached my bank on XX/XX/XXXX to know if the money in question is stuck in their system. My bank positively averred and confirmed to me, they have been actually credited the said amount sometime in XX/XX/XXXX. The bank directed they check their ledger between XX/XX/XXXX - XX/XX/XXXX. 

I called Sendwave XX/XX/XXXX and gave them the information from my bank and they said they will review it within three days and report back to me. They never did.

To support my statement and my bank, I attached my bank account statement page that shows the date the three separate amounts were reversed. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hello! Please give attention to my follow up. I need these inquiries harming my credit reports REMOVED from my credit file. I am hoping and truly expecting that the XXXX, XXXX and TransUnion credit bureaus will remove all these inquiries I listed once more in these complaints : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: MI
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX Balance : {$14000.00} XXXX XX/XX/

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 2023-10-02
Company: EQUIFAX, INC.
State: NY
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 express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: VA
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:
From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX only and authorized for my credit to be pulled once. Please see the attached documentation.

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 2023-10-01
Company: EQUIFAX, INC.
State: CO
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 inform you that on XX/XX/XXXX, I contacted Equifax regarding the incorrect information on my credit report. Despite my initial contact, I have not received any response from Equifax to date. I would like to report the following inaccurate information on my credit report and request the necessary corrections : Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} This account does not belong to me, and I request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/XXXX Social security # XXXX Birth Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH. XXXX Experian XXXX XXXX  XXXX XXXX, TX. XXXX Dear Sir or Madam : I have been a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 

ACCOUNT ( XXXX XXXX XXXXXXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX  XXXX ACCT # XXXX ) XXXX XXXX XXXX  XXXX ACCT # XXXX ) XXXX XXXX XXXX  XXXX ACCT # XXXX ) XXXX XXXX XXXX XXXX  ( ACCT # XXXX ) XXXX XXXX XXXX ( ACCT # XXXX ) INCORRECT EMPLOYERS ( PLEASE REMOVE FROM CREDIT FILE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : IDENTITY THEFT REPORT A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business day and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX : PROOF OF IDENTITY : PASSPORT FAIR CREDIT REPORTING ACT SECTION 605B IDENTITY THEFT 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 2023-12-17
Company: Fairway Independent Mortgage Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I trust this letter finds you well. I am writing to formally dispute the presence of late payments reporting by your organization on my credit report. I believe these late payments to be INACCURATE and UNJUST, and I kindly request their removal in accordance with applicable laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I opened a new account online with Synovus Bank and my account was debited twice for the initial opening deposit of XXXX. I contacted Synovus for over a week via messaging, calling customer service and was told I needed to call my previous bank and have them resolve it on their end. Made no sense but I contacted my previous bank and they reversed one of the 2 ACH withdrawals. A few days later Synovus blocked my account and card, I called customer service once again and was told I needed to go into the branch. On XXXX  XX/XX/XXXX I went in and was told by XXXX XXXX my account was under review by their " Financial Crimes . Department ". She sent them an email explaining what happened even showing them the duplicate XXXX ACH debit opening charge. It is now XXXX XX/XX/XXXX my account is still " Under Review '' nobody will give me answers and I can not access my money. I have since called repeatedly and found out they were closing my account 3 weeks ago and sending a check to me in the amount of XXXX. I never recieved my checks so i once again contacted synovous. Today is XX/XX/XXXX and I got a check in the mail from them for XXXX I have never in my life been treated so poorly as this Bank is treating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I CONTACTED JP MORGAN CHASE CLAIMS DEPT ON XXXX TO REPORT FRAUDULENT UNAUTHORIZED SUSPICIOUS ACTIVITY ON MY DEBIT CARD ENDING IN XXXX FROM MULTIPLE COMPANIES ALL WITHIN THE SAME TIME FRAME FROM THE FOLLOWING MERCHANTS BED BATH BEYOND FOR {$190.00} ON XXXX, XXXX XXXX {$96.00} ON XXXX, XXXX {$36.00} ON XXXX, XXXX {$65.00} ON XXXX FOR A TOTAL AMOUNT OF {$380.00}. JP MORGAN STATED THEY WOULD INVESTIGATE MY CLAIMS AND ISSUED A PROVISIONAL CREDIT FOR THE ITEMS MENTIONED ON XXXX CLAIM # XXXX. HOWEVER ON XXXX THEY STATED THAT I AUTHORIZED THESE TRANSACTIONS AND THAT THEY WOULD BE REMOVING THE CREDITS ON XXXX AND XXXX LEAVING MY CHECKING ACCOUNT IN THE NEGATIVES STATUS. I CALLED JP MORGAN CHASE CLAIMS DEPT ON XXXX AT XXXX XXXX AND SPOKE WITH A CLAIMS REPRESENTATIVE BY THE NAME OF HONEY SHE DID NOT SHOW ANY WILLINGNESS TO HELP ME OR CLARIFY ANY INFORMATION REGARDING MY CLAIM I THEN ASK FOR SUPPORTING DOCUMENTATION TO BE SENT TO ME SHOWING THERE FINDINGS HOW THEY CAME UP WITH THE DECISION TO REVERSE MY CREDIT DENY MY CLAIM SHE REFUSED AND STATED THAT SHE ALREADY TOLD ME MY CLAIM WAS DENIED DUE TO ME STATING I HAD THE CARD IN MY POSSESSION. I REQUESTED TO SPEAK TO A SUPERIOR ABOVE HER TO CLARIFY SOME INFORMATION ABOUT MY DENIAL SHE PUT ME ON HOLD AND THEN STATED THAT SHE WILL NOT BE TRANSFERRING ME TO A SUPERVISOR BECAUSE SHE ALREADY TOLD ME THE REASON OF MY CLAIM BEING DENIAL JUST SUPER RUDE IT HAS ME WANTING TO LEAVE CHASE BANK FOR THIS UNCALLED FOR BEHAVIOR I FELT HELPLESS BECAUSE AT THAT POINT SHE ALSO REFUSED TO FILE A REINVESTIGATION STATING THAT THERE IS ONLY ONE TIME I CAN FILE A DISPUTE PER TRANSACTION EVEN IF THE CLAIM WAS FILED INCORRECTLY WHICH I STRONGLY BELIEVE THE CLAIM WAS WHY WOULD CHASE DENY MY CLAIM AND DENY ME ANY FURTHER ASSISTANCE AS A CUSTOMER I BELIEVE MY CARD WAS PART OF A SKIMMING DETECTION WHERE MY INFORMATION WAS COPIED AND THEREFOR MY CARD WAS USED BUT I ALSO STATED TO THE REPRESENTATIVE THAT I DID NOT HAVE THE CARD IN MY POSSESSION THAT I HAD A NEW CHASE CARD AT WHICH DID NOT MATCH THE NUMBERS OF THE CARD USED TO COMMIT THE FRAUD I WANT CHASE TO REINVESTIGATE THESE CLAIMS AS THESE TRANSACTIONS WERE NOT COMMITTED BY ME!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Climb Credit Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Issue where my lender is my school
Sub-issue: Issues with fees connected to the loan

Complaint:
I wanted to further my education into getting a degree/diploma in XXXX XXXX  I contact the schooXXXX XXXX XXXX XXXX XXXX XXXX to help me with my desire. I was told I was going to get reach out to since there was no class at the moment, the school was going to further investigate to find me the course that would subsequent in elderly management. The school instances that I should take a loan ( climb ) which I denied numerous times since I did want to pay out of pocket. Since XXXX XXXX XXXXXXXX didn't have my class at the time I was offered a class in XXXX which I didn't see fit since it was not the original class I had wanted. The school said they would get back to me if a class was aligned with my desire. A week to a week and a half later the school came back to me saying they couldn't give me the class I needed. I told the representative that I want to decline there services overall since it did not seem necessary. Since I did want to cancel I was sent a cancellation letter where I was then told that I had to pay a total of {$3400.00} to cancel. Although I had seen on my bank account that money had already been removed ( XXXX XXXX {$25.00}, XXXX XXXX {$100.00}, XXXX XXXX {$470.00} ). Which both XXXX and Climb both deny that either companies had removed the money. I communicated with Climb ( loan company ) representative had advised me the school should return the money I was instructed to open a case which I did so with the representative at climb. I have then been called almost everyday from XXXX XXXX XXXX to sign the cancellation agreement. Which I don't see why I should give them {$3400.00} if I had not received the services I needed to begin with. Lastly I decided to freeze all my bank accounts till I could find a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Thursday, XX/XX/2023, I flew to XXXX XXXX, LA with the attorney I work for to meet a new client who was relocating to the New York area. The evening of the XXXX, I went to some bars, the last one was the XXXX, and that is the last thing I remember until I woke up in my hotel room the next day. I discovered that my debit card, my mobile phone and my driver 's license were missing. Instead of staying in XXXX XXXX until the XXXX to fly home with my employer, I decided to return that evening at my own expense ( {$310.00} ). The following day, the XXXX, I filed a police report with the XXXX XXXX Police Dept. My mother filed a claim with XXXX, who insures my mobile phone, and she paid the {$220.00} deductible since I had no money, and my new phone was delivered the next day and a technician came to set up the phone. My mother also filed a claim with XXXX under her homeowners policy, but it turned out that money isn't covered. I went to Chase in XXXX, NJ four separate times and put on the phone with different people, the last time being a XXXX in the Escalation Dept. Each time I was told I authorized the XXXX XXXX XXXX XXXX {$3400.00} and the XXXX withdrawals totaling {$600.00} because my PIN number was stolen even though I told Chase my PIN was on my mobile phone. With all my money gone, I wasn't able to make my monthly payment for my XXXX XXXX  loan, after making payment for XXXX years, and getting my debt down to {$120000.00}. My elderly mother, whose only income is social security had to make my {$350.00} car payment and pay the {$220.00} deductible to XXXX so I could get another phone. I usually try to help my elderly parents and give them money to pay their bills. This is causing a terrible hardship, not only for me, but also for my parents financially. First I was victimized by a thief, and now I have been victimized by Chase. Chase never did any investigation like contacting the XXXX XXXX Police Dept. or XXXX XXXX How can Chase believe that I authorized someone to make XXXX XXXX XXXX and then even overdraw my account and have Chase penalize the owner of the account just because the PIN was used after I told Chase at least four separate times that my PIN was on my mobile phone, which was stolen along with my debit card and even driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: NORTHWEST BANCSHARES INC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a account there they won't take the restricted off from it and remove it there I called and won't even give me the fraud dept

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