BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NY
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 have two charged off accounts on my Equifax, XXXX from XXXX - XXXX and XXXXXXXX XXXX. XXXX and XXXX Accounts have been charged off on my Equifax for nearly 8 years and I have disputed them with this credit bureau and the accounts have yet to be removed only the remark has changed that I have disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: SYNCHRONY FINANCIAL
State: IL
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 checked my credit today because I'm preparing to purchase an income property and I noticed erroneous information on my credit profile. I did not authorize the following companies to run a credit check, nor did I authorize them to open a credit account for myself or anyone else. I have not yet contacted these companies. 

Accounts : XXXX XXXX XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXXXXXX   Account Number - XXXX Date opened - XX/XX/XXXX Syncb/ Care Credit Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Inquiries : Credit Plus XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXXXXXX XXXX  # XXXX XXXX # XXXX is in violation of my rights.. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 604 A Sections 2 It also states that A consumer reporting Agency can not furnish account with out my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Company misapplied payment for XX/XX/2020 and posted all at once at a later date in attempt to correct after my correspondence. 

This was reported adversely for the month on CRAs I called on XX/XX/XXXX and was advised it would be fixed on CRAs when the account updated on XX/XX/2020 yet to be rectified unfortunately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent the credit bureau a letter asking them to investigate all information on several accounts for 100 % accurate information. I also asked them to provide me with the following information items : *Pay off disclosure *Interest rate disclosure *Balance history *Payment history *Credit insurance This credit bureau has failed to respond to me within 30 days. I know that per the FCRA, the credit bureau has 30 days to respond to my letter, which they have failed to do. 

I sent this letter to the credit bureau via certified mail with the USPS. 
Here is the tracking # : 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 2023-03-05
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  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Southwest Credit Systems, L.P.
State: LA
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 was checking my credit. while logging into my account i discovered 3 accounts that i did not open XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX  opened XX/XX/XXXX XXXX. XXXX XXXX  opened on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, 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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sent my relative {$80000.00} check. Someone stole the mail, erased the check to {$8000.00} and changed the name to a different person. The check was cashed at Chase. You can clearly see the check was altered. At first, Chase ( the Branch escalating group and the executive office ) gave me a run around and said they couldn't find the claim. Now they said they couldn't fully reimburse me for the full amount of {$8000.00}. I thought there wasn't any protection for consumers, so I created a XXXX.XXXX  petition. But through more digging on Federal Reserve website, I found out that The Check Clearing for the 21st Century Act ( Check XXXX ) provides protections against fraudulent checks so that generally you are not responsible if you notify the bank in a timely fashion. According to the Act, the bank must refund me the amount of loss plus interest, no later than the 45th calendar day after the bank received your claim. 

Since Chase denied me my refunds even though Investar and I notified them with police report ( date cleared the bank XX/XX/XXXX, date notify the bank XX/XX/XXXX ), they broke the law. So I am reporting Chase of breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a XXXX  re- finance loan. XXXX XXXX was aware that I had been trying to get XXXX and Experian to remove the inaccurate information from my Credit report. Every dispute came back as accurate from them. XXXX/XXXX/XXXX We placed a call XXXX party to XXXX XXXX, and it was stated that the loans XXXX were transferred to XXXX XXXX XX/XX/XXXX. ( the credit report shows XX/XX/XXXX ) and was giving. There number XXXX. A call was placed to verify if Iwas on the loans. XXXX states my name was just a reference on the loans.. 

XXXX XXXX has been reporting negative information for years and costing me money in higher interest rates,. 
I have continually asked XXXX and Experian to remove them and they would not as the tradelines information reported are not vaild

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 2023-07-10
Company: Source Receivables Management LLC
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:
Source Receivable Management is collecting a debt for the original creditor XXXX. I will be filing a complaint against XXXX as well. XXXX has sent a debt into collection that I do not owe for equipment they said was never returned. The equipment was indeed returned and some equipment was never sent. I used my own phones that was paid for. I have asked XXXX for the tracking numbers to help with my dispute and they refuse to give me that information. So Im being charged for items I do not have. Not only was the equipment I did received returned, XXXX refunded me multiple credits for my inconvenience and provided me my account number to transfer my service. My new service provided even offered to pay XXXX for me to transfer. I talked to someone from XXXX a week ago and they said they could remove up to {$2000.00} from my account then transferred me over to another department giving me the run around. Source Receivables failed multiple times in investigating this dispute nor did they contact me before placing this account in collections. They failed to provided me with the letter they sent nor did I receive a letter. It has been over 30 days since Ive ask for the information. I did not sign a contract with Source Receivables Management. They are illegally trying to collect money from that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
my insurance company issued a claims check for damages from a hurricane Disaster. Wells fargo is my mortgage company. The check was to be signed by Wells Fargo and sent back to me so that I can start the repairs on my home. Wells fargo refuse to sign the check and insist that I allow them to assign me to a case worker to monitor how I spend the insurance money. The insurance company came out and investigate the property before paying on the claim. I don't need Wells Fargo to baby sit me. I have a major pluming Problem that needs immediate attention as well as some other things that need to be repaired. Wells fargo is refusing to sign my check they are insisting that I give it to them to put in an escro account and they disburst it as they see fit. I pay for my insurance and I need help now not when they feel like I should have it. I feel as though they are messing with me because I just recently filed a compliant against them for saying I owe them money that I know I don't owe them. Please Assist me with this matter. XXXX is backing up in my bathroom, I don't have time to play these games with Wells Fargo.. I also went into a local branch and the Banker tried everything she could to resolve this matter and she was told no one could do anything about this except for a XXXX XXXX XXXX, when she tried to contact him he refuse to talk with her. She also filed a complaint from the local branch. what I don't understand is why I need a case manager and why was this sent to the exec office. As I sat in the Bank yesterday I wittnessed several people get their Disaster funds endorsed with no problem. so my question is why do I need a sitter.

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 2018-04-10
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX - We sent a fax to close a secured XXXX credit card account with XXXX XXXX. Verified fax was received. Requested a refund of {$500.00}, the secure holding. 

XX/XX/XXXX - XXXX XXXX authorized to release fund, according bank representive. 

XX/XX/XXXX - Spoke to representative at XXXX, who stated funds were authorized to be released, but could not give me a date as to when. 

XX/XX/XXXX - Spoke with a supervisor at XXXX XXXX, who sent out an in-house email to find out when funds will released. She said to call back Friday XX/XX/XXXX to get an update. 

It has been 100 days since XXXX XXXX was requested to close account. I do not feel confident that I will receive a refund with the run around I get when call to get an update. My husband also requested to close his account the same day and has received his reimbursement already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
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:
While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies. 
please remove these inquiries from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Capital One is my bank. I use their bill pay and have had problems with them getting the monies to the payee in a timely fashion. I realize that some of the companies need to have checks written which is absurd in this day and age. The latest incident involved my bill pay to XXXX. The money was taken out of my account on XX/XX/XXXX but was not received by XXXX until XX/XX/XXXX. That is a total of 22 days that I did not have use of my money and XXXX was not paid. When I paid the bill I was given a confirmation that the bill/check was to be received by XXXX on XX/XX/XXXX. Needless to say the bill was past due by this point. 
Who had and where was my money during this time period? I feel that Capital One uses these delays in bill payments to balance their books and meet their cash reserves. This is done at a detriment to their clients and is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: FL
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 name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-05-14
Company: Capital Accounts, LLC
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: Their investigation did not fix an error on your report

Complaint:
Capital Accounts is in violation of my HIPPA rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the XXXX asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX BANK Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize nor consent to the following inquiries being furnished on my consumer report. 

Transunion XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XX/XX/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 2021-04-02
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 at XXXX XXXX. I sent two faxes to XXXX XXXX XXXX  fax number XXXX today XX/XX/XXXX, I received a letter from them claiming that they received my request but they need me to send in exactly what I faxed them again. The paperwork i faxed contained my social security number and a copy of my passport id. 
I contacted them twice. the second time after being told they had no record of the faxes. I spoke to XXXX ID number XXXX she refused to answer any of my questions directly. she put me on hold twice and told me that she had no record of it and that I had to resend it. 
I had my passport ID and my social security number and I faxed it to their National fax number. yet they're vague about where it is and claiming that they never got it. The phone calls should be recorded but I am uncomfortable resending personal information ti people who are that vile and disgusting. I think this should be investigated thoroughly by the law. I do not trust them and I will not be resubmitting it if they already received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: GA
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:
Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the Equifax report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my Equifax credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my Equifax report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. 

Since the bankruptcy trustee began making additional payments to XXXX around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to Equifax. Since being removed from Equifax, the collection status information has re-posted to Equifax three times during the first week of the past three months. XXXX advised me to dispute with Equifax ( copy of email attached ). I have disputed with Equifax previously with no success -- only XXXX can update my report. If my Equifax report continues to show unlawful information for my XXXX XXXX   account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!

Company response to consumer: Closed with explanation