BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
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: Old information reappears or never goes away

Complaint:
I would like to report the actions of the Credit Reporting Bureaus and XXXX XXXX  for XXXX XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal reporting and re-aging of an account on my credit report that should have been removed by now and is appearing past the statue of limitation while containing illegal information which is damaging my credit score. The account has had absolutely no activity and has been closed off for over 7 years and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605-15 U.S.C. 1681c ). This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623, 15 U.S.C 1681s-2 ). I have taken this case up with XXXX XXXX  of they tried to convince me that once a payment was made the account would fall off and not report against me, I realized that that was inaccurate and that they already had sent me to collections and were attempting to collect on the same debt twice. This is also illegal on them because XXXX XXXX can not request payment on a closed account past statue. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.

I have attempted to negotiate with both XXXX XXXX and The Credit Reporting Bureaus via mail, phone and online but I am constantly given generic and meaningless responses and I am tired of it.

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 2023-11-08
Company: JPMORGAN CHASE & CO.
State: NV
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 have contacted XXXX multiple times and filed two separate disputes to correct the error. I also requested and received a letter from the bank showing the account was paid in full with a XXXX balance. This letter was upload to XXXX via the XXXX portal. 

The second dispute was completed and the information remains unchanged, even with proof of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have reached out to The three credit bureaus and the original creditors to try and fix this issue and I either get hung up on or flat-out ignored. XXXX XXXX told me they were going to correct it and made me wait 10 business days to see the change only to get nothing and be flat out IGNORED! I sent out letters to them to correct this issue and have not heard anything in response to my letters. This is a violation of my rights as a consumer and is gravely impacting me. I was never late on this account and need this error fixed IMMEDIATELY!

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 2021-08-02
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have filed many complaints with SLS and with CFPB with regards to this matter. SLS has yet to correct this ongoing matter correctly, they keep perpetuating the matter and refuse to take responsibility in the fraud that they committed by granting a loan modification without my consent, communicating with the incorrect parties, communicating with parities that have no legal rights or obligations to the properties right up to XX/XX/XXXX even after the AG 's Office of MA notified them. My last complaint was answered by SLS by documents with no signatures. I was given blank. I requested copies of the loan modification to show signatures because I never signed any legal documents, I couldn't because I `was incarcerated. SLS also sent a very altered court document without the seal of the Court - because the document from the Court provided an end date for XXXX XXXX to be personal representative of the estate of XXXX XXXX XXXX XXXX. SLS has requested that I file a police report for identity theft but yet they have perpetuated this problem and have not taken any responsibility in this problem and provided me with documentation. SLS purchased this loan from XXXX loans in XXXX, sent a letter stating that nothing would change but yet a few months later SLS stopped taking our mortgage payments and requested payment in full completely ignoring their letter that they sent previously. SLS was not communicating with the legal borrower of this loan and made no attempt to do so and now they are trying to foreclose on this mortgage.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
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 disagree with the findings of your latest verification on the things recorded on my credit account. I first filed a dispute on this item, and I'd want to highlight certain areas of your verification procedure that I feel need more investigation. In your answer, you said that my claim is challenged, and you requested VALIDATION and PROOF OF CLAIM of the purported debt in compliance with the Fair Debt Collection Practices Act. Furthermore, as a consumer exercising my designated remedy and as the original creditor, I recognize that my request for VALIDATION and PROOF OF CLAIM is compliant with existing legislation, but I would like additional explanation and specific proof in respect to these requests.

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 2022-04-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I got hurt at XXXX due to poor training I got XXXXXXXX XXXX XXXX to my XXXX they forced me to go to dr I filed workmans comp they then did a fake in house investigation and tried to blame me. But even if it was my fault as it was not they told me to not worry about the debt that the company would be reliable for the cost since they took me to hospital! They lied I received a bill XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and was lied on I was hurt on the job! Wakefield associates are liars I want off my credit NOW or I will be suing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: SLM CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern, In XXXX of 2023, I disputed the accuracy of the credit reporting being done by Sallie Mae onto my credit profile. This request was done directly to Sallie Mae vi certified mail. On XX/XX/2023, I received a notification from XXXX that the payment history has since been updated to accurately reflect the status of the account. 

Unfortunately, these updates were not provide to the other two major credit reporting bureaus and the information being reflected on my credit profile is therefore inaccurate and inconsistent across the three bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/XXXX. I do not wish to have any telephone numbers on my report. Below are the negative account/accounts impacting my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
my name is XXXX XXXX XXXX XXXX XXXX XXXX and PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be since i never did nothing wrong with my 14 years old account. i have not been able to get help from them for weeks but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021, I was sent a fraudulent check ( {$1300.00} ) as payment for furniture I was selling during my relocation process for a new job. Using the online check deposit system for Bank of America through their mobile app, I cashed the check and the full amount of the check was deposited into my checking account. Note that there was no disclaimer or information conveyed to me the customer that the amount deposited to my account was NOT final and could be subject to being clawed back if the fund transfer didn't clear in the next couple of business days. Given that the funds were immediately available to use in my account, and there was no disclaimer that the funds weren't guaranteed until the checks cleared behind the scenes, I was lulled into a false sense of security and paid " movers '' ( fake entity as part of a scam ) using XXXX from the balance of the check above the value of my furniture. The next day, XX/XX/2021, I was sent another fraudulent check ( {$2600.00} ) from the same party for another transaction in which I then paid " movers '' unsuspectingly because of the lack of disclaimers and information conveyed by Bank of America about the way they process checks. The next day, Bank of America pulls the balance of the first check back out of my account because they discovered it was fraudulent when processing it. The following day, I called customer service to figure out what is going to happen to the balance of the second check since it hadn't been clawed back in the same timeframe that the first one did. I also let them know about the scam situation/fraud, and they told me that, if the second check hadn't been clawed back at the same time as the first, then it wasn't going to be taken out of my account. They then close that account after I transferred the account balance to a new account with XXXX bank. They later reopen the account because they overdrew it when clawing back the balance from the second fraudulent check and are threatening collections if the account balance isn't brought back to 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 2023-10-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX 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 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 2021-08-02
Company: Early Warning Services, LLC
State: IL
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:
EWS ( Early Warning Services ) unlawfully obtained my credit profile and reported it to XXXX XXXX XXXX XXXX without my permission. Initially XXXX XXXX allowed me to open an account with no problem but 2 days later they placed a restriction on my account and I have not be allowed to access it due to whatever info that is being reported by EWS. They are now holding my money and will not allow me to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Affirm Holdings, Inc
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:
There are four open transactions all from the Affirm Inc . In the amounts of {$610.00}, {$120.00}, {$120.00}, and {$110.00}. 

I don't have an Affirm account. I don't own any affirm cards or never had a loan from them. I have been living in XXXX since XXXX I would have never gotten approved for an account because I don't possess a valid XXXX phone number. 

These transactions were not made by me and I had no knowledge whatsoever of these purchases. These transactions need to be removed immediately from my credit report. 

I also would like to receive all information regarding who made these transactions and the details surrounding each event. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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 status incorrect

Complaint:
I have previously disputed the account with XXXX XXXX XXXX XXXX, Equifax, and XXXX stating the account is being reported inaccurate. The account is being reported past due, but the account was closed on XX/XX/2023. Per the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 section 623 subsections ( 7 ) ( A ) ( i ), I am to be notified, in writing, of the furnishing of negative information to the consumer reporting agencies by the financial institution. XXXX XXXX XXXX XXXX did not provided me, in writing, the notice of furnishing negative information to the consumer reporting agencies before or 30-days prior to furnishing the information. I have ask Equifax and XXXX to investigate this issue but the consumer reporting agencies have failed to do so. The account is not past due and no writing noticed of past due account was sent to my home address. My home address is shown on my credit report and is shown in the attached document provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Chase 's so called conveniences function more like entrapment. Being able to do mobile deposits and external transfers are highly deceptive in that instant transfers are not really instant because they depend on the capability of another bank. It is entrapment in that a consumer must know exactly the length of time in which each type of transaction processes. This is something your ordinary consumer would not know. It should not be possible for a Chase Loss Prevention department Team to ruin someone's finances due to the consumer 's lack of knowledge about how these " conveniences '' of Chase actually work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Truist bank and credit card servicer On XX/XX/23 there were 3 suspicious charges to my credit card- that I received a text about and immediately reported them as fraud. I received a letter verifying my claim a few days later stating that I would not be responsible and the charges would be removed as well as any fees and interest. One of the charges remained and I have called weekly asking why. They stated still investigating and not responsible for charges. 

I have now been reported to credit agency as 30 day causing an almost XXXX point drop from XXXX XXXX to low XXXX. 

Any to reiterate the ONLY charge on this card is the reported fraudulent one that is now accruing late fees and interest ( that I have been told several times I am not responsible for ). 

I have called them weekly for resolution. I have logged over XXXX hours on the phone and have been promised call backs which I have never received. 

This is the worst banking experience and handling of an obvious fraudulent charge in my XXXX  years and dealing with over 10 banks.

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 2021-06-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple multiple accounts on my credit report that are not mine I have tried going thru the ftc systema writing to the bureuas calling them going thru the furnishers and calling them and nothing is breing done this is criminal to have these items on my account when they dont belong to me!!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : US DEPT OF EDXXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation