BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: GA
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 7th 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. 
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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Recently I did an investigation on my consumer report and it caused severe XXXX upon me. According to the Fair Credit Reporting act XXXX, TRANSUNION and XXXX has violated my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction. 
-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy Here are the errors as follows : 1. XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX 2. XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 4. XXXX XXXX OPEN DATE : XX/XX/XXXX 5. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX 6. XXXX XXXX OPEN DATE : XX/XX/XXXX 7. XXXX XXXX OPEN DATE : XX/XX/XXXX. XXXX 8. XXXX  XXXX OPEN DATE : XX/XX/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 2023-07-12
Company: EQUIFAX, 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: 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 non-monetary relief
Consumer complaint received 2023-05-09
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:
I read over my credit report and found that some of the data was incorrect. These itemsmust be verified by the 3credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting itemsas unverified information without offering any justification within the legally permitted time frame. My credit report lists the following itemsthat require investigation and correction for inaccurate reporting in my file : 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 2022-06-01
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX filed a complete direct dispute with equifax And XXXX Ive already sent in police reports theft affidavits complete full copy of my driver license and proof of address and the accounts and inquiries that are fraudulent Equifax and XXXX Failed to Protect my Consumer rights they did not block or delete the information from appearing on my personal credit report within 4 buisness days of acknowledging the receipt of documentation which by law is a violation under the fair credit reporting act section 605B. 


XXXX still have collections of :XX/XX/XXXXXXXX $ ( Fraudulent XXXX XXXXXX/XX/XXXXXXXX $ ( fraudulent XXXX XXXX XXXX $ ( fraudulent Equifax reporting a fraudulent account XXXX from ( XXXX XXXX XXXX ) I have contacted all creditors Ive sent all documentation to the credit reporting agencies and they have completely failed to protect my consumer rights!!!!!!! Im now filing another suit against Equifax and XXXX for Defamation of Character and emotional distress this has to be stopped the fraudulent accounts that I listed above needs to be removed from my personal credit report ASAP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, i had Chase credit card. i had couple missed payment and called them to begin making payments. they closed my bank account and reported settlement on my account. 
i didn't make any settlement plan or anything with them and they did not notify about this settlement. 

Lender : JPMCB CARD Settlement amount : {$7900.00} Date status reported : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the fair credit reporting act XXXX XXXX account # 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 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason ALSO, In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the highest balance is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 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 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 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 2023-02-23
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was altered by my identity theft protection through XXXX XXXX  that someone had opened an IKEA VISA card in my name. They ran my credit report. 

comenity capital ikeavc is the alert i received. I have attempted to contact the fraud department at the credit card company without any luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: PA
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 XXXX  account number ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXXXXXX Account # XXXX ) ( XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXX Account number XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXXXXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX ) ( XXXX Account # XXXX ) ( XXXX  Account XXXX ) ( XXXXXXXX XXXX Account # 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 an account without my written instruction.

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 2019-07-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I applied for a HSBC XXXX XXXX account on XX/XX/XXXX, and was approved online ( doc attached ). My initial {$XXXX} deposit was processed the same day as well ( doc attached ). I was able to set up an online banking account as well after the application process. 

On XX/XX/XXXX, I deposited a check for {$XXXX} through the mobile app. I attempted to log into my account on XX/XX/XXXX to see if my check deposit was received since I had not received any confirmation or any updates on the check deposit status. When trying to log into my account, I received a message saying my account was suspended. I called the listed phone number of 1XXXX ( screenshot attached XXXX to get this resolved. After XXXX minutes on hold, I was able to speak to someone who then attempted to transfer me. I called again and was on hold again for XXXX hour and XXXX minutes and was given another phone number to try. I called the phone number and waited for XXXX minutes until an agent was able to give me yet another phone number to try. I attempted to get help through the HSBC social media team and chat help on the website, only to be told again to call. 

I continued calling the numbers again on XX/XX/XXXX without any resolution, but was able to get clarity on who to try to contact. I finally was able to reach the department at 1XXXX on XX/XX/XXXX after waiting on hold. I received word that my account was suspended and I needed to send verification even though my account had been approved online! I was never notified of any of this until I wasted hours trying to gain access to my account! 

I submitted the information that was asked of me ( doc attached ) and waited for confirmation. However, I did not receive confirmation after waiting XXXX business days as the rep had told me over the phone. I called again on XX/XX/XXXX to confirm whether or not things have processed. After another hour on the phone, I was able to speak to a rep who looked for my documents. He said he would process everything immediately and that I should have access restored after XXXX minutes. However, my account access has not been restored. Every attempt to log into my online banking is met with the message that my credentials are suspended ( screenshot attached ). I attempted again to contact HSBC for help on the afternoon of XX/XX/XXXX so that I would be able to regain access to my online banking. However, after another XXXX hours of waiting on hold and attempting to resolve issues with the chat team, my online access still has not been fixed. 

Today, XX/XX/XXXX, I have been on hold on the phone again for another XXXX hours trying to reach someone at 1-XXXX. I called the general customer care line to attempt to resolve my problem, only to be referred back to 1-XXXX. I am still waiting for someone to resolve my online banking problems so that I can access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and TransUnion Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal 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

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 2022-01-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2021, my mortgage payment increased by approx XXXX. After reviewing my paper statements I have identified the increase was as a result of my escrow ( taxes & insurance ). However, looking at the past several years my tax and insurance bills have only increased very slightly. I do not understand why my escrow would increase so substantially each month. 

To look into this further, I have been trying for days to access my mortgage account with Citizens XXXX XXXX. Normally I access my account using the app, but they recently XXXX the map because they are merging with the banking app. Because I do not have a Citizens bank account, I am required to enroll again with a new username and password in the new app. When I attempt to do so, none of my credentials are recognized including my SS #, name, etc. I also tried to enroll on the citizens website with the same result. Finally, I have called the citizens helpline ( s ) 5 times and been put on hold for over an hour only to be dropped. I also reached out to my loan officer today. 

As a result, I have no explanation to my escrow increase and no ability to speak to anyone or access my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I claimed and declare that I had my XXXX XXXX since XX/XX/2019, but the 3 credit bureaus has never reported my mortgage on my credit report. See the attached copy of my credit report and other documents. Please help me resolve this issue as soon as possible. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NJ
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 found some information that was incorrect on my credit report that was inaccurate, and I still haven't heard anything back. I have not been supplied proof under the doctrine of Estoppel by Silence, Engelhard v. Graven ( m281 SW 715, 719, I presume that no proof of the alleged debt, in fact therefore exists. Therefore, all items not proven to be mine needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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

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 2023-10-24
Company: WSFS FINANCIAL CORPORATION
State: PR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
The purpose of this notification is to address my situation with a foreclosure action, on a reverse mortgage, enacted by the Wilmington Savings Fund Society against my cousin. 
My cousin was diagnosed with XXXX and could not respond to notifications. As a relative, I tried to intervene to address the issue but was denied requested information. 
There was an initial auction on XX/XX/2023, for {$90000.00}. That auction did not go through. There was a secondary auction on XX/XX/2023, for {$60000.00}. However, that did not go through. Prior to and during the auction proceedings, I submitted my interest, to the sheriff, in purchasing the property.

After the second auction, I found out that Wilmington Savings Fund Society purchased the property, and no further auctions were to take place. 
I continued to show interest in purchasing the property, however, no matter what method I used, I have not received a reply. 
On XX/XX/2023, I was contacted by a court representative stating the Wilmington Savings Fund Society has requested that I be evicted from the property. To date, despite my efforts, I have not been provided with the chance to discuss this issue with appropriate individuals. 
I do state again, my interest in discussing the current asking price for this residential property.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a natural person, I am a living being. I have rights under 15 USC 1681.

TransUnion is governed by 15 USC 1681, and they are NOT the original creditor of XXXX XXXX, this can not be so. XXXX XXXX has violated my rights numerous times by alleging that a debt of {$1400.00} USD is owed that has already been disputed and deleted from my credit report, this can not be so. 

TransUnion has fraudulently double backed and reported a debt that has already been DISPUTED and DELETED from my credit report before, and it is now reappearing after such actions, this can not be so! 

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I am hereby demanding that this derrogatory/invalid account be REMOVED from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion the right to furnish this account.

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