BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX To Whom It May Concern : I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged debt your company claims I owe. The tracking from the USPS shows the letter was delivered on __XX/XX/19__________. It has been more than 30 days, and I have not received any proof that your company validated the debt. 
Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 

Please send me a copy of my updated credit report as soon as the above has been completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: CA
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.

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 2023-10-30
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:
Experian was reporting but stop reporting in XX/XX/2023, And now they are not excepting my mortgage company information that they are submitting mortgage name 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 2023-03-21
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Complaint against Ally Bank XXXX around XX/XX/2023 I worked at setting up several accounts at Ally Bank via their website. ( There ended up being XXXX. ) They wanted additional documentation, which I sent in. The accounts were set up by Wednesday, XX/XX/XXXX. I transferred a total of {$15.00}, XXXX into these accounts from my local checking account. 

When I got up Thursday morning, XX/XX/XXXX, I found in my in-box 5 e-mails from Ally saying the accounts were closed. I tried calling the XXXX phone number to see what this was aboutI believed Id been hacked. Unhelpful person said Id have to call their Account Division after XXXX XXXX. I did so, even though it meant being late for work. 

Person there said Ally had decided to close the accounts. I said Wheres my money? as it had not been transferred back to my local checking account. The person was again most unhelpful, and when I asked about speaking to her supervisor, she basically told me I could leave a voice-mail, but dont hold my breath waiting for someone to get back to me. Ive called them a total of 3 times, plus leaving the voice-mail. They have been nasty and not helpful. 

As of this writing on XX/XX/XXXX, Ally still has not returned my money to me. I believe at this point that they have stolen my money. They need to send it back to my local account immediately. I also believe for the major inconvenience and aggravation they have caused me, they should be heavily fined. This is not how a customer should be treated. I want my money back. I want nothing further to do with them. I just want my money back.

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 2017-05-02
Company: Experian Information Solutions Inc.
State: KY
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 am filing this request because   XXXX   has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They have gone past  the thirty day m arks to verify these accounts. under section  611   (  5 ) ( a ) they are to promptly remove items that can not be verified. that I have disputed.         account name tax lien on  XXXX  in  XXXX  county account number  XXXX  date filed  XXXX  account name collection with  XXXX  acct number  XXXX  account name.   XXXX   XXXX   account number  XXXX   XXXX  account number  XXXX  account name  XXXX    XXXX   XXXX   account name   XXXX   XXXX   account number  XXXX  all of these items are on my  XXXX  report and need to be removed immediatly

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 2023-06-16
Company: EQUIFAX, INC.
State: RI
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
At first, i wasnt good using smartphones. I was told that i could recieve money from the dept of labor and some friends of mines ( which I thought was a friend used my phone and and card without my authorization. I HAVENT RECIEVED NOT ONE DIME!!! Now that ive learned how to go online and check the status and do my claims on my own, inoticed that it was money deposited multiple times on XX/XX/2020 for XXXX. I BEEN STRUGGLING ALOT AND THAT MONEY WOULDVE HELPED ME OUT ALOT. NOW IM BARELY MAKING IT AND I JUS WANT JUSTICE FOR MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX ( Original complaint ) To Whom May Concern, Im writing in regard to 2 of my credit cards with XXXX  XXXX. The XXXX XXXX credit card accounts ending in # XXXX and XXXX XXXX XXXX XXXX ending in # XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus Transunion and XXXX. I spoke with both Transunion and XXXX to confirm, I was told that the accounts are not being report to them and to call XXXX XXXX to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre two different departments. The letter stating that the XXXX XXXX XXXX is being reported, the other letters for the XXXX XXXX  stated they wanted me to send more information proving that its not being reported. I sent XXXX XXXX a full credit report providing them with highlight details showing nether XXXX of the credit cards on the credit reports. I also have another XXXX credit card with XXXX XXXX a XXXX account I provided as well showing that account is being report, just to prove that the other XXXX are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its XXXX XXXX not reporting or it's Transunion or XXXX, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. Thank you! 

As of XX/XX/XXXX I recently received a copy of my credit report and the credit cards that I sent a complaint about are still not reporting to the credit bureau XXXX and Transunion. I was send a correspondence from XXXX XXXX stating within 60 days those accounts should be reporting. Ive been going back in forth with this issue for three months now. At this point XXXX XXXX still has not done their job because why is it taking this long Ive have these cards for years and Im not sure what occurred for them to stop reporting. I would like an explanation as to what need to happen next. Thank you!

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 2017-05-02
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern, My name is  XXXX   XXXX , my property is located at  XXXX   XXXX   XXXX ,  XXXX , NY,  XXXX . I am currently living overseas due to the fact that I have no income and unable to support myself, so I am living with family members. I have been trying to do a short sale on my property since   XXXX  . The short sale was approved in   XXXX   and the buyer was unable to close. I now have a interested buyer and we started the short sale process with the servicer  XXXX   XXXX   XXXX   XXXX  after they contacted us to discuss my options. The BPO ( brokerage price opinion ) was completed and an offer submitted for the investor to review. They denied the option for short sale, the process has been denied  XXXX  by the investor  ( Wilmington Trust )  since their intention is to foreclose on the property and keep it. Regardless of the amount of the offer, the investor is not willing to allow me to short sale on my property and they are trying to force to do a  XXXX  or foreclose on my property. I understand that they have an interest on the property and they owned my loan, but why are they forcing me to foreclose on the property. Also, keep in mind that my property is a really bad shape, it will have to be demolished completely and rebuild due to the mold, pest infestation, foundation problems. I would like the public to be aware of  Wilmington Trust  malpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Currently, I pay {$XXXX} bi  weekly to the auto loan company but the company is continuing to report my payments as XXXX days late. My bi  weekly payments are made on time but my credit report does not reflect these timely payments. If the company agrees to a payment arrangement then the credit report should reflect accordingly. Its a mis-representation of the agreement between myself and the auto company.

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 2022-10-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Company failed to provide verifiable proof ( an original consumer contract obtaining my signature ). Under the the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), companies are REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION of the SIGNED consumer contract. Report is still inaccurate as it reflects my employment history as a XXXX XXXX XXXX at XXXX, yet I do not possess a XXXX or XXXX certifications to fulfill the state 's requirement to XXXX XXXX DELETE ALL ACCOUNTS NOT VERIFIED THROUGH SIGNATURE OF SIGNED CONTRACT. A PAST DUE BILL OF THE ACCOUNT AS VERIFICATION DOES NOT SUFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 4th attempt to prove again, that this charge from XXXX XXXX is not mine! Every 6 months or so, we receive a notice from another credit agency stating we owe this same amount. We've filed 3 complaints and each time the company agrees it is NOT our debt. IC lists account XXXX and ACCT XXXX {$2800.00}. We've even completed a fraud packet through XXXX XXXX XXXX, but it doesn't stop this nonsense. Called IC spoke to XXXX XXXX, clearly was reading a script. Told me I would have to send the actual police report not just a case #. 

Not sure how they can continue to sell, transfer or whatever happens to send debt that is clearly NOT mine again and again. We've done all the correct steps.

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 2017-05-02
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from Diversified Consultants, Inc.  (   XXXX  ),  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , acting on behalf of  XXXX  to collect {$230.00} which I do not owe. I attempted to have  XXXX  correct the problem since    2016  but they simply ignored my numerous complaints. I subsequently sought the assistance of the Office of the New York State Attorney General ( Reference File #  XXXX  ) to resolve the problem, but unsuccessfully. The final response by the Attorney General Office is as follows : " We have received a response to your complaint. Despite our efforts, the company has refused to make any refund or other adjustment. ''  XXXX  provided false information to the New York State Attorney General Office.     The problem stems from the fact that  XXXX  surreptitiously added various fictitious billing amounts into both my  XXXX   XXXX  account and my  XXXX   XXXX  account, each in the sum of {$240.00}. and  XXXX  purposely co-mingled billing charges and payments between those  XXXX  accounts.     Because of the frustration which I encountered in trying to have  XXXX  make appropriate corrections, I cancelled my  XXXX  connection service on  XXXX   XXXX ,    2016  ( Cancellation Order No. : NY  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: PNC Bank N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I can not link my XXXX account with my PNC bank account anymore. I was originally able to send money using XXXX and my PNC account but can not anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Chase increased my XXXX several times over the last 9 months without notification and without cause. My rate rose from 20.74 % to 25.24 %. I paid off my account upon discovery several days ago. Had I been notified prior about the increases, I wouldve taken the opportunity to pay off the amount at the lower rates. When I called into Chase, both an agent and supervisor stated I shouldve received notification and put me on lengthy holds to find the dates of any notifications. They were unable to find any. Ive also reached out to Chase via XXXX XXXX, and was told Id receive notifications about any changes to my account. I was never notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: OR
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 XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: EQUIFAX, INC.
State: KY
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 am filing this request because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They have gone past th e thirty day m arks to verify these accounts. under section 611 ( 5 ) ( a ) they are to promptly remove items that can not be verified. that I have disputed.         account name tax lien on Equifax in  XXXX   county  account number  XXXX  date filed   XXXX   account name collection with    XXXX   acct number  XXXX  account name.   XXXX   XXXX   account number  XXXX    XXXX   account number  XXXX  account name  XXXX    XXXX   XXXX   account name   XXXX   XXXX   account number  XXXX  all of these items are on my Equifax report and need to be removed immediatly

Company response to consumer: Closed with explanation