BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
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: Account status incorrect

Complaint:
In accordance to The Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX TX XXXX Phone Number : XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!

I never gave this creditor permission either verbal or in writing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX Balance : {$0.00}

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 2019-08-02
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; 30 day late XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; & XXXX XXXX 60 days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: VA
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX has violated my rights under 15 USC 1681, section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 ; A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose! 

I never gave this creditor permission either verbal or in writing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
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 sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$850.00}

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 2020-11-10
Company: Experian Information Solutions Inc.
State: OH
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 looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  XXXX XXXX  # XXXX****the dates wereXXXX, alsomy XXXX # XXXX the dates were XXXX, and last XXXX  XXXX XXXX  # XXXX the dates were XX/XX/2020 my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt . 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XXXX XXXX XXXX XXXX XXXX I have never done any type of business with this company please delete this account at once!

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 2023-04-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$420.00} in a chase ATM around XXXX in XXXX Arizona ( Term ID : XXXX ). The money was from driving XXXX for the day and instead of depositing the money via ACH or paying an instant pay fee, I took the money from my XXXX card and wanted to deposit the cash myself. After inserting the money, the ATM took longer than usual to process the cash and claimed that it couldn't read an unspecified amount of bills, however when the machine gestured to return the bills in question, no money appeared. As a result, I was given a receipt to call a number to see if my deposit went through. I first checked my app and didn't see the deposit, so I decided to call the number. When I called the number, chase 's offices were closed. 

When I called the next morning, I explained to my agent what happened. The agent created the claim and told me that I should receive a temporary credit within the next few days. I explained to her that I needed the money for rent ( which I was late for ) and that the deposit was enough to cover the balance owed, I explained to her that If I didn't pay by the end of that day, I would be sent to court by my landlord. I asked further if there's any way for them to grant the credit, she said no. When I told her that I had a similar situation years ago ( before I closed my 1st chase account as I re-opened one recently ) she said " we don't do that anymore ''.

Long story short, Im transitioning to chase from my current primary banking account as I no longer want to do business with them. This is absolutely not a good first impression for a new/returning customer as the lack of adequete customer service poorly reflects the proper way of handing a critical issue. I am considering switching to another bank instead of chase as your customer service rep showed where chase 's customer service values truly lie. Im not getting evicted over this, I did everything I was supposed to do. Unacceptable on chase 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX i have disputed these items on my credit report going on for 6 months no. I have contacted the credit and TransUnion about these fraud accounts XXXX XXXX account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX US Bankruptcy Court of XXXX Docket # 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 2022-05-30
Company: Revolut Technologies Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I sent money using Revolut from the US to my XXXX XXXX account for {$730.00}. With this type of transfer, the funds are in my XXXX account within a matter of hours. After the funds did not show up after Revolut stated everything went through correctly, I asked Revolut to do a trace because the funds were not in my XXXX XXXX account. What happened was a bunch of run around. I asked for a trace to be opened and they did not start one until that Thursday. I did not receive a response from their trace department until Friday evening. When I did the transfer their system stated I would receive the funds same day. It was not until after I raised the issue did they state that the funds were sent via XXXX and the timeframe was 5 business days. It is a bait a switch tactic from Revolut and it turns out they are not even the individuals who do the transfer so there are so many delays. It also does not help that they prioritize their customer service by who pays to upgrade their account. So if you are just on their free account, responses are super slow and they do not care. I keep being told to have patience when me and my children have no money for food, my medication or for rent. It is now a week later, I still do not have my money, and I keep getting the run around. This type of customer service is unacceptable when you are dealing with individual 's money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IQ DATA INTERNATIONAL has been aggressively violating federal consumer protection laws by falsely representing my debts. As a result, my credit score has been negatively impacted by debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To whomever may be reading this, I just want to sincerely thank you for taking time to review my complaint. 

I am writing to bring your attention to a series of fraudulent transactions on my account that occurred on XX/XX/XXXX. My bank, Wells Fargo, closed my claim and refuses to refund me back the money. The unauthorized charges in my checking account, which included retail purchases and money transfers : 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 I promptly reported the fraud to the bank between XX/XX/XXXX and XX/XX/XXXX ( I don't remember the exact date ), leading to a refund. However, the bank later reversed the refund for the XXXX XXXX XXXX transfers, citing closed cases due to the perpetrator having accurate information. This seems perplexing to me because, naturally, they would have my information that's the essence of fraud and how money is stolen. 

Despite explaining the situation during an in-person branch visit on XX/XX/XXXX, they said nothing can be done. I received the documents of their 'evidence ' that was provided to them by XXXX XXXX on XX/XX/XXXX, and it's evident that this is fraud. The transfers were made to an unfamiliar recipient, XXXX XXXX XXXX XXXX, in the XXXX XXXX. This being an international money transfer is already a red flag.The associated phone number does not even match mine, which doesn't support the bank 's claim of XXXX XXXX having all of the right information. 

As a loyal and responsible customer, I am baffled by the bank 's refusal to acknowledge the evident fraudulent activity on XX/XX/XXXX and appreciate any assistance in recovering the funds. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-05
Company: Genesis FS Card Services, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Their website is not user friendly and contacting them is sketchy. My info was also sold to another company associated with them. They sent me offers saying how the two cards went together, continuing to always pop up as soon as I logged in to make payments. I get weird energy when dealing with this particular credit card company. Then with my payments. On their website its reflecting that Ive paid and doesnt reflect on my account. So Im really ready to pay them off because nothing is accurate with the info that I try to confirm on their website and even when Ive called. They tell me that my late fees were cleared and Im in good standings but then going back my credit report and the website. Its something different. This is the only credit card that I am having issues with. I dont understand why Im being played with when this is my credit we are talking about. They have a responsibility same as I when they lent the money on a card for me. These issues have caused my credit score to go down by XXXX points because they are not effectively communicating to me & money is not being pulled when it says it is. Im getting so frustrated. I just want someone to help me with the next steps please. Whats next???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I paid off the account with XXXX  but they are reporting it as a charge off please update to paid and closed.

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 2022-01-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Respectfully disputed debt collection that is not mine feel that this debt that midland funding is now after 5years has opened a class G collection against me severely damaging my Credit is unjustly being waged against me as a consumer this account is fraud I ask that the account be resolved expeditiously as to not impact my Credit Records I have allways paid debt off when the accounts were legally my responsibility and this account with Midland Funding Does not belong too me and I feel I am unjustly been given unfair debt added on my Credit Reports . Ive made good faith efforts too resolve the matter without any response from this agency the company has repeatly lashed out at me in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i do not recognize these inquires. TransUnion, XXXX XXXX XXXXXX/XX/XXXXXXXX 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 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 2021-10-26
Company: American Financial Network Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refiance 2 months ago with XXXX XXXX he was then fired withpout notice i beleieve because of us. Everything was fine until he was let go. I tried to call company back manager never assigned a new loan officer had to deal with the manager never could get a hold of him on the phone at all., XXXX was his name. I already paid the appriaser before i was told that i only had to come in at XXXX on it came in at XXXX which was enough was not told i had some chunk in the rooms 2 of them and had would not get the loan. This was disclosed to me at all. I talked to XXXX he said he would give me a copy of the appriaer report and never did whci i was entiled to when i signed the loan docs. I beleive they has to tell me on the docs on a signed about the requirements of appaiser never told me. I talked XXXX and would do nothing to anything about this it has been one month have gotten nothing told me I could get a higher interest rate instaed. Thes guys are crooks. The name of the company American Fiancial Networ.I want my money back or something done he wont do anything the fact I couldn ot reach them and paid and not gotton the appriser report so I can see what happned on it. They are try deceive us and not shoew me the reopt by law. Thay also want to give me a higher rate like as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: LA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. Accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$220.00} ; XXXX  XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation