BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: CA
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:
This is the refilling of my complaint to JPMCB CARD. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my writtien instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I disputed an identity theft on one of my accounts and after the investigation was over with no changes to the item i was disputing about they lowered my SCORE XXXX Points!!! Plus they keep the item on my 3 credit reports with no changes.

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 2021-11-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  XXXX I Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; EQUIFAX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 2023-12-28
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting 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 requested an old late payment to be removed. As the creditor, they are the only ones who have the power to do this. I stead of stating they are unwilling, they flat out told me they do not have the option and to go to the credit bureau, which is false. I am filing this complaint because they flat out lied to me and hung up on me.

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 2018-12-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There are two problems with Experian.

I attempted to obtain a single-use Personal Identification Number, to temporarily unfreeze my credit report to have electric service turned on. After inputting CORRECT information, I got a screen that stated that they were unable to honor my request. No explanation, just unable and to send in a letter with several forms of identification. As there is no electrical service at my seasonal address, using the mail was not an option. So I attempted to call, to no avail.

Thus the second problem with Experian. It is impossible, as far as I can tell, to reach a human at the toll free number. I tried several times using various numbers. I XXXX " talk to a human at Experian '', and none of those suggestions worked out. This alone is totally unacceptable, and must be fixed.

Another unsatisfactory past experience with Experian occurred last XXXX was when I attempted to obtain my free annual credit report using the website. After inputting all the CORRECT information, I was told that the request would have to be made by mail. This was the case for both me and my wife. Again, no explanation was offered. At that time, I mailed the request, and received the credit report. Time was not of the essence then.

Part of the reason for requiring these requests be mailed nay be to inconvenience people to the extent that they give up. Some of it is to protect consumer data, but if correct data is supplied in the website form, then access to the requested service should be instant.

Obviously all this stonewalling is extremely frustrating!

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please remove all hard inquiries from my credit 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 non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request you to see the attached documents. I want the bureau to commence an investigation into these accounts, as I have never been late, despite erroneous reports.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account was referred to a law firm for payment in XXXX. I received a letter from the law firm stating that they had closed the account and documented it with the County Clerk in XXXX, NY. They stated they would not pursue payment or accept payment. Yet they reopened it under XXXX XXXX XXXX for the XXXX XXXX XXXX and have refused to take it off my report. Therefore I insist that this is a fraudulent charge, as per the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: NV
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 accounts listed are not my accounts. I was a victim of identity theft. I have provided my correct personal information and I am submitting my personal documentation. I can assure that I am not a credit repair company and or a mortgage company. Please remove those bad items from my reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed the same complaint XX/XX/XXXX, under complaint number XXXX. Recap, both XXXX and XXXX continues to report the error. XXXX XXXX  has reported three late mortgage payments, which took place during the Cares Act forbearance period, and signed into law XXXX XXXX XXXX. I have 2 mortgages and a HELOC. In my first complaint the error was made in mortgage # 1 and to remedy the error the bank has moved the error to mortgage # 2. Neither mortgage or HELOC should have recorded delinquencies during the forbearance period. The error has resulted in a decline of my credit score and the reduction of lines of credit available to me, in several accounts. Why is the bank permitted to play XXXX? This error has resulted in a financial hardship to me and continues. Please address with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 found inquiries on my credit report that do not belong to me

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 2023-08-09
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT AUTHORIZED BY ME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am attaching police report and from AG

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX Bank of America offset my business account {$2100.00} in order to cover a closed credit card I previously had with the company that was never on auto pay. 

I called Bank of America to request my funds back, letting them know this practice was illegal and they insured me it was legal and my funds would not be returned. They told me right to offset was in my account agreement. I asked them to send my account agreement which they agreed to do but never sent. 

On XX/XX/2023, after receiving my federal financial aid, Bank of America offset my personal account for {$5000.00}. I quickly contacted them requesting the funds back and they told me they would not return the funds. I again told them this was illegal and they argued with me claiming it was legal and in the agreement, terms and conditions. I asked for it to be sent, again, they never did so I found the agreement and disclosures on their site. While on a recorded line, I read to the manager Bank of Americas agreement and disclosures documents which states the following : We may take or setoff funds in any or all of your accounts with us and with our affiliates for direct, indirect and acquired obligations that you owe us, regardless of the source of funds in an account. 
This provision does not apply to IRA or tax-qualified retirement accounts, to consumer credit card obligations or where otherwise prohibited by law.

I repeated to the manager that the document stated this did not apply to consumer credit card obligations or were otherwise prohibited by law. Her response to me was I dont know what youre reading but its legal. 

Bank of America has just been fined {$1.00} XXXX because they continue to break the law with no regard to their costumers.

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 2024-01-05
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In accordance with the Privacy Act, the Fair Debt Collection Practices Act, along with 15 USC Subchapter V Debt Collection Practices this is a friendly reminder and warning to be cautious of violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1692, 15 U.S.C. 1692b, 15 U.S.C. 1692c, 15 U.S.C. 1692d, and 15 U.S.C. 1692j.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted several disputes to two major credit reporting bureaus ( XXXX/Equifax ) in regards to my XXXXXXXX XXXX account and the numerous inconsistencies and discrepancies in their reporting. I have requested for each to provide the method of verification used to determine the validity and verification of the account and all I receive in return are notifications stating the account has either been updated or verified as accurate. If this is one account is reporting " accurate '' information to all 3 bureaus, the information reported should be consistent and match across all XXXX bureaus. To date, XXXX is reporting a high balance of {$0.00}. Equifax is reporting a high balance of {$200.00}. XXXX is reporting date of last activity as XX/XX/XXXX. Equifax is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last payment as XX/XX/XXXX. Equifax is reporting date of last payment as XX/XX/XXXX. Equifax is also reporting a {$0.00} credit limit. XXXX is reporting a {$200.00} credit limit. XXXX is reporting XX/XX/XXXX payment history as " paid ''. Equifax is reporting XX/XX/XXXX payment history as 30 days late. The amount of errors being reported as verified and accurate is astounding! I am entitled to a fair and accurate credit report. The way the XXXX and Equifax disregards or fail to acknowledge the inaccuracies here in regards to my requests and disputes are enraging. I have requested method of verification or complete deletion from my credit file and to date I have received neither.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a a realtor representing a buyer in the purchase of a home in the XXXX Arizona area. The loan was denied by Quicken loans due to " unacceptable property type '' I was notified by the sellers agent that townhome was classified as a condo - not correct. The appraiser was asked to change the property type on the appraisal ( by quicken ) from townhouse to condo, even though it is a townhome. I have had little to no communication from the quicken loan team handling the transaction. I have made several attempts to have updates along the way & formally requested a loan status update ( required to be provided on a weekly basis, only one was provided after formal written request ), in addition to emails & calls. My buyers have been tainted regarding the HOA & their reserve funds ( over a XXXX dollars between both master & sub-HOA ) the quicken team has made them feel that they are in danger with the HOA somehow. This transaction has been tainted by individuals at quicken & is most likely going to be canceled because of Quicken. This is unacceptable behavior & highly unprofessional, maybe illegal. Many lenders lend in this subdivision on a yearly basis, why would this be an issue for Quicken if it is not for other regulated companies. The property did appraise with no conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I received a letter dated as of XX/XX/2021 informing me that due to a recent review, Citibank decided to close my checking account. They also mentioned that the account will be closed on XX/XX/2021 but my debit card will be canceled 5 days before that. 

They provided a phone number, so I called to ask why, without any response, they asked me to go to a branch and they would help me out. At the branch they told me they couldn't help because the account was already submitted to be closed. I called to the number they provided and told them that branch couldn't help so they gave me a number and a name of the person who made the decision to close. I've been trying to reach out to this person to ask her about the details of why they decided to close my account, without any success. I've been calling everyday since, leaving voicemail with my information, and never received a call back. 

Last Friday when I called customer service again to explain that I couldn't communicate with the person in charge of the decision, they suggested to go to a branch again since they would be able to help me start a cancellation process. So today, I went to a branch and spoke to an executive, she confirmed that there's nothing else to be done and that the decision has been made. She mentioned two important things in regards of the closing process : 1. Excessive flow of cash.

2. Business activity in a personal account. 

I asked her how much is excessive and she couldn't give me more details in regards of the amount nor the activity that is causing the closure. 

In the end, they are going to proceed with the closure of my account and I still don't know why. I use this account to send money to XXXX for personal expenses that I make on a regular basis ( as lots of people do ). I've been doing this for the last 10 years without any problem and suddenly they decided to close it and no one can give me a straight answer on what I did wrong. 

Also, worth to mention that the treatment that I received, from the executives I talked to in the branches, was very unkind, as if I were doing some sort of criminal activities and they wouldn't want to share any details with me. They just saw the letter and changed their attitude towards me.

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