BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: MI
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:
As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
- Chase Mortgage did not notify that our mortgage was sold to another company. I was trying to make an online payment and there are no options for me to pay chase online. When my sister called, Chase told her that our mortgage was sold to another company but we never receive any letters in the mail or prior notification that this was happening. I don't want to be charged with any late fee as we are doing our best to settle payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: First Advantage LNS Inc.
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, a settlement with my previous landlords attorney to break lease without penalty due to roach infestation. I agreed to the terms the following day but never received any confirmation of my response. On XXXX XXXX I emailed the landlord to agree to the terms of the lease break settlement and prepared to move out on the date agreed on. However the landlord filed eviction behind our backs. We went to court on XX/XX/2022 and a judgment for nonpayment of rent for two months in the amount of {$3800.00} was granted in favor of the landlord but they had to adhere to all terms of the settlement. I moved out on XXXX XXXX. A month later I received a letter from collection agency NCAC alleging that we owed {$11000.00}. I contacted a community legal service and with the support of the lawyer she assured me that I am only required to pay the amount ordered by the court. After showing documentation of the settlement the collections agency refused to acknowledge the document and said I needed more proof or they would report it to the credit bureau. They have quoted me 3 different amounts and though I have submitted sufficient documentation, they are still refusing to correct the amount I owe them. I have been trying to pay the amount owed to them for months as the rental judgment is affecting my ability to find adequate housing. I have been homeless with my family since being evicted from this property and trying to pay the judgment has been the main obstacle to safe and affordable housing.

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 2023-08-26
Company: EQUIFAX, INC.
State: AZ
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
this is not resolved and has gotten worst Transunion is now reporting over 22 accounts as delinquent with XXXX XXXX and they are all account already paid off and never was included in the bankruptcy. 
I spoke with the creditor XXXX weeks at XXXX XXXX XXXX and they said the only acct that should show as included in bankruptcy and discharged and closed is below, and now since this investigation Transunion has added a total of 22 accts from member first that were previous paid off and closed and current and never included in bankruptcy. 
the creditor XXXX XXXX rep called Transunion and told them this information is wrong and they have not corrected it yet. All the other account need to be deleted and only the below accounts should show ad included in bankruptcy and paid off and discharged XXXX XXXX XXXX XXXX accounts included in bankruptcy only 1. Act # ending in XXXX $ XXXX- dates XX/XX/XXXX thru XX/XX/XXXX- Pay day loan Total for both account # {$5400.00} 2. Act # ending in XXXX $ XXXX dates XX/XX/XXXX thru XX/XX/XXXX- Line of credit # 1of 2 3. Act # ending in XXXX {$4400.00} dates- XX/XX/XXXX thru XX/XX/XXXX- Line of credit # 2 of 2 4. Act # ending in XXXX $ XXXX dated XX/XX/XXXX thru XX/XX/XXXX- Holiday Loan

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 2020-08-20
Company: BRite Financial Services, Inc.
State: MI
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 a loan with BRITE FINAN and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BRITE FINAN and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. There is fraudulent activity on my credit report. fraudulent items that I did not authorize or open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received the American Express Platinum credit card on XXXX XX/XX/XXXX. I had the intent to use this card under the assumption that the {$550.00} annual fee for this card would be waived under the Military Lending Act, as I have been on XXXX XXXX military for the last 2.5 years. Every member of my unit who applied for this card had the annual fee waived within a week or two ( I can provide references for that if needed ), and so I went forward and eventually received the card. Around the time the annual fee was charged, roughly XXXX XX/XX/XXXX, I made an inquiry over the phone with American Express to apply for military benefits to have this fee waived. I thought this was strange because when applying for the card, the application asks for your source of income, and I had chosen the military option, provided a street address on the military base I am on, etc. The inquiry came back nearly a month later to tell me that I am ineligible for AMEXs SCRA ( Service Civil Relief Act ) benefits. I submitted another inquiry to make sure that wasnt a mistake. The next inquiry came back with the same results, roughly another month later ( each inquiry was made over the phone, while I tried to explain to each rep. that I was in the military and just wanted to see if I could be credited back the annual fee ). After the 2nd inquiry came back, I spoke on the phone with a specialist from AMEX who allowed me to reopen that inquiry and submit supporting documents, such as my XXXX XXXX orders from my military duty station, which shows my swearing in date ( date I began XXXX XXXX service ) as XXXX XX/XX/XXXX. When that inquiry also came back as denied on XXXX XXXX, I spoke to another specialist, who then told me that their annual fee on the Platinum card is done through the Military Lending Act and in XXXX is determined upon applying for the card. The specialist resubmitted a new dispute inquiry with a comment emphasizing that I was seeking a benefit under the Military Lending Act, rather than the SCRA. This morning, the inquiry was denied again. I have spoken to at least 8 different representatives from American Express to explain this situation and 0 have been able to help. I had to pay this annual fee in order to avoid any late fees. The only reason I applied for this credit card is because of its wonderful benefits and that military members do not pay the annual fee. I am in the military. I make a guaranteed income, but this was a fairly large amount of money for me, and I feel as if there is no one else that can help. American Express customer service has been useless. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Venmo deactivated my account without telling why it was deactivated. Im not a scammer or anything along those lines. They sent me an email saying it will be permanently deactivated because I broke a rule. That was in XXXX on 2021. They stated that my funds will be held in my account for 140 days. They sent me an email 2 days ago saying I can transfer the money out of my account but since then I changed banks so I took off the bank that was on Venmo but it wont allow me to add the other one. I emailed them again and I keep getting the run around. Wait 5 days and someone will email you. You cant call and speak to someone because they always say wait for an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
A balance transfer was made in the amount of {$5600.00} in XXXX of XXXX from my XXXX XXXX card to a Wells Fargo card. I began contacting XXXX XXXX in late XXXX because the balance transfer had not come off of that account. Throughout summer, both companies were contacted multiple times. Wells Fargo completed several research requests concluding that they did send the funds. XXXX XXXX still stated the funds were not seen. In XX/XX/XXXX, I called Wells Fargo and discovered that the last 4 digits of the account number they sent the funds to did not match my account. I am unsure how these numbers got changed. To remove the balance from my account, XXXX XXXX is requesting an EFT report showing that the funds were sent. 

On XX/XX/XXXX, I called Wells Fargo requesting that further documentation be sent showing that the balance transfer occurred. They stated that the only proof they could provide is my statement. The statement had already been sent to XXXX XXXX and was determined to be insufficient proof of transfer. Wells Fargo stated that the only other option is a custom letter. I again called XXXX XXXX to let them know. After some discussion, a three way call was done between myself, the XXXX XXXX representative named XXXX, and the Wells Fargo representative named XXXX. This call was recorded on both sides. XXXX stated to XXXX that the EFT report was all that was needed to resolve the issue. XXXX stated multiple times that he understood the request but Wells Fargo was unable to provide that, and that the only proof that they could provide was my statement or a letter. XXXX let him know that those options are not sufficient. He acknowledged that information. XXXX placed a request for both the EFT and a letter but acknowledged that it is unlikely that the EFT will be sent. He also stated that regardless of the outcome, there is no way to cancel the balance transfer, leaving me to pay the balance on both cards. 

I have now have the same balance on two cards. XXXX XXXX has temporarily refunded the balance to allow me to submit further documentation but it will be recharged to the account if sufficient documents are not sent.

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 2019-06-20
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a debt placed on my credit report from CBE Group from XXXX XXXX ; stating that I opened an account with them in XX/XX/XXXX. This is inaccurate because XXXX XXXX was not servicing the area I live in and I have been with another Cable Provider from XX/XX/XXXX - until this present time. So the date of the open account is inaccurate and false information. And if this indeed a bill older than the year of XXXX this needs to be deleted. 
The amount of the charge is {$350.00} which I have mailed a letter to all 3 credit bureaus disputing this issue and mailed a letter to CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 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 2020-04-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-04-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We have repeatedly contacted Wells Fargo Bank to assist us with a wire transfer that we made to a fraudulent company. This began on XX/XX/XXXX. We contacted them about the fraud on XX/XX/XXXX. The wire transfer was made to a XXXX XXXX Account. We also contacted XXXX to advise them of the fraud bank account. I filed a complaint through CFPB # XXXX and XXXX XXXX responded asking for Wells Fargo to provide a Hold Harmless/Indemnification form for the return of our funds in the amount of {$27000.00}. We provided the letter to Wells Fargo branch Manager in XXXX XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX, email : XXXX, on XX/XX/XXXX. Mr. XXXX stated he would forward this to the Financial Crimes Analyst who was handling this and they would be in touch with us. As of today, no one has contacted us or has provided this document XXXX is requesting to get our money back. A name of the person who is handling this was not provided to us by Wells Fargo. We have been shut down by Wells Fargo regarding an investigation into our very serious matter. On XX/XX/XXXX they mailed us a letter stating they are unable to return the money to us. The claim is # XXXX. Letter sent by XXXX XXXX, Financial Crimes Manager, XXXX. We received the XXXX letter through your service on XX/XX/XXXX, not directly through XXXX. We are asking your assistance with Wells Fargo to have them complete this agreement XXXX is requesting so we can get our money back from this fraud company that is a XXXX XXXX   account holder. Thank you for your assistance

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 2023-08-16
Company: WELLS FARGO & COMPANY
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I have a Well Fargo Active Cash Credit Car with Well Fargo Bank. I were charged for multiple times for unauthorizes charges from a merchandise that I am not recognize either, I did contact Well Fargo to resolve the problem, they replaced in total more than two card and account during the investigation, end up give me temporary credit for my account. Then, they did send me a letter about calling them back for the report/claim, but the date stated in the letter was in the end of XXXX and post office delivered the letter after the due date that the bank needs me to call back. Turn out, at the end the bank decided to give out a decision on their own, I did tried to made a phone call with Well Fargo banker in XX/XX/2023, the call was taken placed at around XXXX XXXX  same day, I were on the phone with multiple banker from their different department, at last I got a chance to speak to a Fraud department agent, he stated that the claim I made was denied, he did open a reconsideration form about the case for me. But when I asked about the chances of them actually accept the claim is not guarantee. Basically, all they said to me was if the claim was not made and I will pay for those unauthorizes charges in total of {$1700.00} with the same merchandise happen at the same day for {$99.00} were charged on my account XXXX times, and XXXX was {$29.00} and XXXX was {$60.00}. The bank, Well Fargo found those charges was authorized by me, which is not true in my option because it happened at the same time even I received a text message alert about those charges, that is how I knew and reported it to the bank. Plus all those charges was from the XXXX XXXX, I lived in 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 monetary relief
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried calling the company, Experian, and was unable to get a person. The automated system was rude, complicated and unhelpful. It froze my credit and hung up on me. I have no reference number. This is not what I was trying to do, and the automated system rapid fire rattled off a very long number which I could not write down and then hung up on me. I was unable to contact a person no matter how hard I tried. I filled a complaint here # XXXX. You sent me an email saying my problem was resolved. In the email, it detailed I could unfreeze my credit with my PIN number. I do not have a PIN number. It said I would receive a corrected credit report. I have not received a corrected credit report. None of the things Experian reported doing were accomplished and my situation has not been improved.

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 2023-04-21
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX Do you ( Equifax ) abide by the FCRA, FDCPA & CFPB rules and regulations in accordance with 15 USC 1681e Compliance procedures. If so, how are you ( Equifax ) still reporting inaccurate/ unverified information on my report? Do you not need my written consent to publish such items, which I have not given. Is this not a violation of 15 USC 1681b Permissible purposes of consumer reports ( 12 CFR PART 1022.3 ( h ) REGULATION V ).

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Equifax ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights ( 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ).

Company response to consumer: Closed with explanation