BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax refuse to correct my personal information such as my name. My name is misspelled. It's a SIMPLE FIX! I've sent in dispute letters with a copy of my driver 's license and social security card and my name is STILL misspelled. At this point they are knowingly supplying incorrect information and is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$170.00}.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions,  993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-08-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I made a deposit into my checking account with a check I received from my other financial institution. USAA put a hold on the funds until XX/XX/XXXX, 10 days later. I have made numerous attempts to have the hold removed, each unsuccessful. I have held numerous accounts and products including loans, insurance products, and deposit accounts with the bank over a span of 8 years. They have repeatedly refused to release the funds despite the funds having already cleared from XXXX, where the check originated. It is an unreasonable delay and hold of my funds that originated from my own account at another financial institution, funds that have already cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I sent a Cease and Desist Letter to PHH-XXXX  XXXX  XXXX  time barred debt mortgage has expired by the statue of limitations. The have acknowledged this on several occassions.All Correspondence has been Certified and return receipt, PHH received these letters and I sent a backup To The New Jersey Sheriff in XXXX County as witness to that facts over 10 to each one. Every month they send a bill with an attachment stating Failure to pay will result in fees and foreclosure and loss of my home. Original loan started XX/XX/XXXX with GMAC Mortgage sold to Ocwen loan Services around XXXX or XXXX XXXX Sold to PHH Mortgage a of Ocwen XXXXPHH Mortgage. Interest Only 15 years Original amount {$260000.00}, now amount is {$280000.00} Monthly payment {$780.00} now changed to {$2800.00} XXXXAlso sent an Estoppel Letter and a No trespass letter like I mentioned all return receipt requested. 
Sent to credit bureau a dispute that this company not a part of original contract. They show on it contract is cancelled. Fair Credit 805 ( b ) 2 805 of Code of Civil Procedure for California enacts additional limits and collecting on tim barred debts. The new law 2013 Act California Debt Buying Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Chime Financial Inc
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 with the amount of {$900.00} I have sent chime the conversation between me and the vendor from XXXX XXXX I have sent them the XXXX investigation information i also sent them invoices they still refusing to give me my money back it was stolen I live in a apartment complex they left package on they XXXX attempt to deliver

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CREDICO. INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I had XXXX  XXXX from XXXX XXXX of Colorado XXXX and was charged an additional {$250.00} by a contracted Surgical Assistant ( XXXX XXXX XXXX XXXX ) who identified himself as the Doctor 's assistant and not as a member of a separate organization. He had me sign an agreement I would pay {$250.00} and if my insurance declined his service, I would have to pay no more than {$250.00}. As my insurance had already informed I would be covered, I knew this would be returned. I emailed this contractor asking about my refund and received no response. I called the number on the emailed receipt, the number went to a realtor, so I disputed the charge. He contacted me and became defensive, verbally abusive and threatening. Weeks later, I received a collections notice from " Credit Collections Bureau ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) '' for {$1800.00} ( {$1800.00} for service and {$19.00} for interest ). I called Monday XX/XX/XXXX and left a message for my case worker with CCB and still have not received a response. I called Tuesday, XX/XX/XXXX and spoke to a general agent there and requested a " verification of debt ''. He instructed me to fill out a form online in lieu of sending mail, which I did, I also included the agreement which stated I was to pay no more than {$250.00}. I have not received an email or letter with " verification of debt '', per legal guidelines I am to receive this within 5 days. I called on XX/XX/XXXX to request this again and ensure my case was closed as if there was any collectable amount, it would be {$250.00}. They instead told me they had requested the " verification of debt '' from the contractor, meaning they took me to collections without proof I owed any money. They continued to tell me, that despite a less than legal contract ( I signed this moments before going into XXXX when I was certainly not thinking clearly, thereby under duress ), that the agreement stated I owed everything he was requesting not just the {$250.00} the agreement stated. 

This collections company is not providing a " verification of debt '' as required by law. They are also requesting to collect an amount that is contractually not what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On XX/XX/2021 I Submitted a dispute with Experian disputing an erroneous, inaccurate and/or incomplete address which is XXXX XXXX XXXX XXXX XXXX, NM XXXX of which they responded by saying that I need to contact every CREDITOR and/or SOURCE my question is why if I am the consumer not an employee of Experian. Experian is reporting this non fcra compliance address they need to investigate and if they can not verify that this address belongs to me it must be deleted immediately. provide method of verification or delete section 611 of the fcra please provide with name and phone numbers, employee numbers that provide verification of this wrongful address.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me. It was open fraudulently and is damaging to my account. I have previously contacted Transunion regarding the inaccurate, offending collection account on my credit report. This debt was not properly validated because if that was so, it would not be reporting on my credit profile. As such, I am asking that Transunion adhere to the law and remove this information from my credit report immediately. Failure to do so is a direct violation of the FCRA & FDCPA laws.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2021-10-04
Company: Experian Information Solutions Inc.
State: CT
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:
THESE ACOUNTS WERE OPENED USING MY NAME AT ANOTHER ADDRESS, THERE WERE MARKED AS FRAUD FROM CREDITORS BUT EXPERIAN KEEPS VALIDATING INFO AND KEEP REPORTING IT BECAUSE MY REAL INFO WAS USED EXCEPT ADDRESS AND THERE IS ONE ACCOUNT THAT HAS TOTALLY DIFFENT INFORMATION THAT IS REPORTING XXXX ACCOUNT XXXX XXXX-UPDATED BY EXPERIAN XXXXFRAUD ACCT REPORTING STILL XXXX {$4500.00} REPORTED XXXX FRAUD ACCT REPORTING STILL XXXX {$1100.00} XXXX UNDER NAME XXXX XXXX WHICH IS NOT ME-FRAUD XXXX XXXX XXXX {$490.00} - FRAUD ACCOUT REPORTING XXXX XXXX XXXX XXXX  XXXX XXXX {$4100.00} FRAUD ACCOUT REPORTING STILL ALIAS NAME THAT I ASKED TO BE REMOVED USED FOR FRAUD XXXX XXXX IS STILL REPORTING

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 2023-11-15
Company: Experian Information Solutions Inc.
State: NV
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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

Company response to consumer: In progress
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: FL
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 have sent via certified mail an Identity theft packet relating to some information on my consumer report that is reporting as a result of identity theft. After reviewing my consumer report I have noticed that information has been reported and shared without my consent and as a result of identity theft my private, personal and confidential nonpublic information has been been breached. I have attached the FTC Identity theft report, a police report, and my identifying documents. The company XXXX XXXX XXXX has shared adverse information onto my consumer report without my consent in an effort to damage my general reputation. I am making a record of these events should further litigation be required. Pursuant to 15 USC 1681c-2 ( a ) I have sent everything required in order for EQUIFAX to block and remove this information within 4 days of receipt. I have clearly communicated this matter of identity theft both in the included documentation and in this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: WELLS FARGO & COMPANY
State: MO
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:
On XX/XX/2021 I received and inquiry for wells forgot bank I never applied for this bank loan or have a bank either

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 2022-06-13
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My business checking account was charged a fee on XX/XX/2021 for {$46.00} R/P Same Day - Low Value and {$75.00} R/P Same Day - High Value. I called into your business customer service line and was transferred to business online. I spoke with a young lady that was unprofessional and rude. I waited on hold for over 20 minutes each time I was placed on hold. I was placed on mute and not on hold. After 20 minutes she told me to go into the branch because she couldnt find out why I was being charged the branch setup the charges which is completely untrue. I asked her could she remove the charges if she wasnt aware where they came from or get a supervisor on the line. She place me on hold and never returned to the phone. That is very unprofessional to blow a customer off thats concerned about charges on their account. I run a business I dont have time to keep going to the branch about charges I can easily call customer service about and the answer be provided or the issue resolved. This is horrible! Please this needs to be resolved immediately. That representative needs feedback and training.

Company response to consumer: Closed with monetary relief