BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Claim # XXXX I bank with chase bank that has XXXX on it, every 6 months I do a check on how Im doing for the year. I check and found XXXX worth of XXXX payments. I disputed it and I was sent to they protection group. The woman I was speaking with told me someone in XXXX tried to do a transaction was it you, I said no maybe it was me cause Im in XXXX which is near XXXX. She said no sir it cant be you or that. I went through all the security steps, changing my user name, XXXX email password everything when we got done, I got a credited XXXX, they reversed it cause they said they seen it was a clean transaction. But thats not my fault it was a clean transaction. Fraud usually is clean transactions that is unnoticed until it is noticed, if fraud wasnt noticeable right in the moment wouldnt nobody be getting fraudulent things done to them. I asked for the record of the time I called in they say they dont record every call, I asked for a manager they busy, I shouldnt have to be charged for a charge I didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-09-11
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/11 at XXXX, I went into the Wells Fargo branch in XXXX XXXXto close my accounts after more than 20 years because they sent an email that they are changing my account type and fees would apply. closing both checking and savings accounts. Told tellers in lobby I wanted to close an account. They said well... the person you need has an appt at XXXX and can not help me, but they could bring my balances to XXXX at teller line and call a number tomorrow to initiate a close... ( this is frustrating ). The teller gave me cash for both account balances. I left and went back to work and my phone had an alert on it that my account was overdrawn by XXXX. I went back into the bank and could not get assistance. waited another XXXX min and got another teller. She knew I was just in there and told me she couldn't help me unless I gave her a form of iD???? didn't have one, so she wouldn't help me. I then called the number given to me and they ended up doing a dispute (???? ) on the teller error and now I can not close the account to any activity for 10 days to do the dispute??? again, this was their fault. They will not send me any notice... I have to go to the online banking and log in and check system messages there ( again ... what??? ) and will not notify me that the dispute is taken care of... I have to call them back... BTW ... was on the phone waiting for a person for XXXX minutes, then another XXXX minutes to 'figure out ' the issue with the teller error. I got a claim # and again, this is unacceptable that I can not get an account closed. I then called the local branch and can not get through to talk to anyone ... no one available to take my call, goodbye. tried twice... same thing ... What kind of service is this?

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 2021-10-14
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: Reporting company used your report improperly

Complaint:
This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2023-08-31
Company: EQUIFAX, INC.
State: WI
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: William Lavender dba Credit Restoration Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid money to only go without repair or communication. I had to reach out several times to only get told he was out of town. When I did get in contact he would claim to call me the next day in office with info. I requested to see proof of credit repair he had done since I saw none. I requested a refund. I received none. {$450.00} and not even some refunded. A complete fraud. I noticed there are several people who have done reviews on being defrauded.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: OH
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:
This is unfair and unacceptable. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature and authorizing an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: PA
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 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 non-monetary relief
Consumer complaint received 2022-02-27
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:
In accordance with the Fair Credit Reporting Act. XXXX Account # XXXX ( XX/XX/XXXX ) {$680.00} and XXXX XXXX XXXX Account # XXXX ( XX/XX/XXXX ) {$2800.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had never done business with XXXX XXXX XXXX. This is an account as a result of identity theft, therefore needs to be removed. Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Unexpected or other fees

Complaint:
Date : XXXX 2021 ACH Transfer : SBA EDILSG loan Amt : {$5000.00} Date : XXXX XXXX 2021 ACH Transfer : SBA EDILTG loan Amt : {$10000.00} These were deposited into my checking account with bank of america and when this was transferred I was not aware that I was going to receive these loans because the SBA actually put me in to get those funds because I previously had a PPP loan with this account information on my application. Basically the SBA used the account already on file to transfer my EDIL loans to. I do have a business account with a different bank. The bank of america recently closed my accounts because of past deposit made through the mobile app NOT authorized by me, in which I reported identity fraud and theft so they ended closing the account. But decided to do so after the ACH transfer of XXXX then said they mailed me a cashiers check i waited for 2 weeks to receive it. I was told by 4 employees of the bank that. When 2 weeks past i called bank of america again and they said sorry we decided to hold that money for verification until its confirmed because it was transferred into my checking instead a business account. I explained my reasoning that the SBA used prior account info to transfer funds. That if I had knowledge to the deposit i would have had it transferred to my business account. But again I had no control over that. I am super extremely upset that i was lied to about receiving a cashiers check when that actually wasn't even true. Then withholding my funds that are seriously needed to buy supplies and help me with transportation for my business to keep rolling. I cant work now because of this and have clients waiting on services i can not provide without these funds. There's absolutely no reason to withhold these funds from me the funds are mines and are the reasoning for my business to continue so i can support my family. 
Indeed I have reported identity theft and fraud to the right agencies and i have proof of that. My entire wallet was stolen and my phone i never have done anything illegal to be treated like I'm the perpetrator when in fact i am a victim. I have been more than patient for over a month now. The bank lied to me for 2 weeks then kept giving me the run around. I already contacted the SBA regarding this, and have requested for the funds to be sent back and re deposited into my business account. I am making a complaint because I lost out on a lot of revenue and money not being able to fund my business which is why i received these funds and have not been able to work or fulfill needs of clients. Thank you for your time! 
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 2023-08-28
Company: EQUIFAX, INC.
State: DC
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 eight 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 items 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 XXXX XXXX {$790.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 am a victim of Identity Theft and Fraud. I have contacted Transunion, XXXX, and XXXX more than 90 days ago to inform them that I am a victim of Identity Theft/Fraud, yet each refuses to remove the accounts that were created due to Identity Theft/Fraud. According to FCRA, all accounts created as a result of identity theft/fraud are to be removed from credit reports IMMEDIATELY! 

I have filed several incident and police reports to bring this to the attention of local authorities as well as to the creditors, yet the Credit Bureaus continue to make false claims that the accounts in question have been verified. This is impossible because the accounts are not valid and were opened due to Identity Theft. All instances of the following accounts which are referenced on the police reports and FTC reports, should be DELETED IMMEDIATELY FROM MY CREDIT REPORTS : XXXX XXXX XXXX XXXX - {$24000.00} XXXX XXXX XXXX - {$17000.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX Card - {$2000.00} Furthermore, the following accounts have been compromised and fraudulent charges that I do not recognize have been added to my balance, creating an adverse affect that has been damaging to me : XXXX XXXX - {$600.00} In addition, The following Inquiries are also the result of Identity theft and should be DELETED IMMEDIATELY, below are the Inquiry Creditors and the corresponding date of each inquiry : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX Card - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX  - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX1 ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; I can not wait another day for these accounts to be removed !

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: CJA Auto Sales, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was served a civil complaint for a debt for an auto loan by CJA Auto Sales, INC. around XX/XX/XXXX. 
I had cosigned an auto loan with my now ex-wife. We were divorced in XXXX. 
The court documents states that the loan was breeched/default on XX/XX/XXXX. 
( Ex-wife told me she paid it off, thats null ) In Arizona, that statue of auto collections in 4 years. I should never have received this. 
I contacted CJA Auto Sales, INC. and they explained that they did not know where my ex-wife was, so they are going to get the amount from myself. 

In good faith and not knowing any better, I verbally agreed to pay {$250.00} on the XXXX  per month. 
CJA, Auto Sales, INC does not allow online payment. You must call in to make a payment. Only one person can take the payment, somedays they aren't there etc. So it forces you to be late making the payment.

Each month, I have called, I have asked for a receipt. I have been told the receipt is the payment on my bank account. They do not issue receipts.

Each month, I have requested a statement. I have been told no, or its in the mail.

It now has been one year, and I still have not received a statement. I do not know how much is owed? I do not know what has been paid, or what " fees '' I have accrued.

I have requested the paperwork and documentation of what the car was sold for, the original loan and the documents I signed. I was told they do not give that out. 

I just requested an End of Year Statement in XX/XX/XXXX, still has not come. 

I have now made a total of 12 payments at {$250.00}. Based on the court documents I owe {$5500.00} I have not been told my account number or loan number. 

I understand my responsibility as a cosigner, I also have the right to the documents I am requesting. I am requesting receipts, original loan documents, current the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
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: Reporting company used your report improperly

Complaint:
My credit report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from XXXX XXXX on XX/XX/2021 for all the credit bureaus. There were an additional ( 2 ) more inquiries by XXXX XXXX ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from XXXX XXXX ran on XX/XX/2021 be immediately removed for all credit bureaus.

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 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 my fraud report to these companies, letting them know that it was not me that applied on those inquire reports and they still have not done anything about it. I would like these reports investigated and removed once they find out its not mine or I will have to sue them for this inconvience.

Company response to consumer: Closed with explanation