BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
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 have request a investigation of Fraudulent Account on my Equifax report. The charge -off of an obligation with Fraudulent Account is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2022 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband deposits his paycheck into our shared USAA checking account, every Friday, via mobile deposit ( using his cell phone ). He has been doing so for many, many years. 
A few months ago, USAA has started holding part of his check for a whole week. The amount that is held varies and is usually between {$400.00} - {$600.00}, per week. The funds become available about 7 days after deposit. 
By USAA holding his hard earned money, every week, it is making it extremely challenging to pay our bills on time. 
I've contacted USAA about this issue, several times, but have yet to receive an understandable, satisfactory answer as to why this is happening, every week! 
His employer does not offer direct deposit and there aren't any ATM 's in the state of California, for this bank. Therefore, mobile deposit is our only option for his paychecks! We don't have issues with a overdrawing our account nor have we ever deposited a bad check!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Westlake Services, LLC
State: TX
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:
XX/XX/27 I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2020-02-20
Company: Square Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Ive loaded {$100.00} on my Cash App Account and was Just Told Me Account Has Been Closed But I Was Told From XXXX  That The Funds Were Loaded Onto My Card Ending In XXXX. This happened on XX/XX/2020 Ive Been Trying To Reach Cash App Support But They Keep Telling Me My Account Is Closed I Just Need Help Retreving Those Funds .The authorities has been contacted due to the scam

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
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 filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan 1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX  Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX  Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.

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 2023-06-15
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife XXXX and I have owned our home in XXXX, MD for over 17 years and we never had any problem with our mortgage until my wife and I both became ill from Covid. We are both retired on fixed income and XXXX and because Rocket Mortgage has been unwilling to work with us we are in foreclosure. When we first got sick our lender Rocket Mortgage gave us a forbearance for XXXX months to help us get by during the pandemic. We both recovered and began making our payments again but then I had long term problems from XXXX which led to XXXX XXXX, XXXX and XXXX  and we again fell behind. We got back on our feet a few months ago and resumed making our payments and Rocket Mortgage told us to apply for help to take care of the late payments. Last month Rocket told us we were approved for a repayment plan to catch up on the late payments, but this plan doubled our monthly payment from {$690.00} to {$1300.00}. My wife and I are both retired and on fixed income and have large medical bills. We can't afford a repayment plan that doubles our payment for XXXX months. My wife and I want to know why Rocket Mortgage would provide " help '' that puts us into a situation where we can't afford our house?? We are now in the beginning of foreclosure and falling further behind each month. My wife called in to talk to Rocket and said we can't afford this and their agents told us " too bad if you can't afford it we will start foreclosure against you. '' This seems wrong. 

I am a veteran of the United States XXXX XXXX and worked in construction for almost 40 years. After that I continued working as the maintenance man at the local hospital until my health issues caught up to me in 2020, and are now so serious that I can no longer work. My wife XXXX XXXX used to work in medical care and home care and had been putting in some extra hours as XXXX driver to help make ends meet until her health issues caught up with her. The doctor found several masses behind her XXXX which they thought to be XXXX, and she had a XXXX removed and is still recovering. However, the cost of these different procedures has been more than $ XXXX. We are surviving and paying our bills with our Social Security and XXXX pension. 

We have a FHA loan that is backed by HUD and they offer programs such as partial claim or payment deferment and also loan modification to help struggling homeowners who are behind on their mortgage. Why didn't Rocket Mortgage consider us for these programs? These programs would lower our payment or keep it the same. As a servicer of a government loan who offered a Covid forbearance I thought they were required to allow access and review for all government programs for struggling borrowers. This did not happen, and when we call in their agents tell us the repayment plan is the only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Affirm Holdings, 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:
Account name AFFIRM INC Account number XXXX I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX {$400.00} Sent a family member {$400.00} it was too much so they refunded {$400.00}, then I sent {$54.00} both came out of my account. I never got the refund for {$400.00}. Been fighting with them for 2 months called, email 10 times file XXXX  complaint automated responded allow 2-3 days, then close the complaint and ask for a survey

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate 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 2023-11-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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  These companies used my information without my consent, I did not give any of these companies permission to run my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Strategic Alliances, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a legal notice from First Portfolio Ventures II, LLc, summoning me to appear in court regarding a debt they claimed I owed a company named " XXXX ''. After a discussion between my attorney and the company, both parties reached an agreement to dismiss the lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REC ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF MO XXXX XXXX OF MO XXXX XXXX XXXX XXXX TXXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A man claiming to be a Wells Fargo fraud representative called me on XX/XX/2023 and said the bank had noticed suspicious activity with someone in Virginia trying to withdraw funds from my account. He said he needed access to my account and asked me to move money from my credit card to my checking account so that Wells Fargo could address the attempted withdrawal. He said that they would make a transfer from my bank account to a person named XXXX XXXX ( I do not know who that is and Ive never heard of him ) and then put the money back in my account. I was told to transfer the money to a XXXX XXXX XXXX bank account. I have the account number and routing number for that transfer. 
He had access to my online banking and when I typed info on my computer, I would receive texts from Wells Fargo with access codes. After I finished the call, I felt suspicious so I called Wells Fargo right away. They told me no one from their fraud department had called me and I asked them to cancel the wire transfer and close that account. They said they would try to reverse the transfer but recently informed me that they could not reverse the transfer. I have also filed a local police report and a report with the FBI. The man called me again the next day to ask me to do another transfer but by then I knew it was not Wells Fargo so I told him I was aware of the scam and hung up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is reporting a balance of {$20000.00} for a debt that I DO NOT owe. It is possible that another family member could be responsible for this debt. 

I have been trying to dispute this with them and the 3 major credit bureaus for over a year now with XXXX  success.

This company is currently undergoing a class action lawsuit for violating Minnesota state laws and various other lawsuits for unethical and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I took advantage of a credit card advertisement for the Chase Freedom Unlimited card because I am doing some property improvements, and they advertised great points and no interest for 15 months. I applied and opened an account in XX/XX/2023. 

A few weeks later, I received a strange letter in the mail ( nothing was posted online ) about verifying my SSN. I thought it might be a scam. I called in late XXXX and spoke to a customer service person ( first to ask to reverse late charges b/c I missed my first automatic payment by a few days ) and asked her about the state of my account. She assured me that there was not any information missing, and that my account was in good standing. She actually stated that the letter I receive must have been a scam. 

I then actually accidentally paid off the entire amount of my account in early XXXX ( I meant to just pay the minimum ), and shortly after that, I received a message that my account was closed. I called customer service again and was informed that my account was apparently closed because Chase needed some information that I did not send. I asked if I could re-open it because I wanted to use the card and did not want my credit dinged again b/c they should not have closed my account. I also explained what the previous customer service agent told me. I asked to speak to a supervisor who then told me that she was re-sending the form and could re-open the account if I faxed it back. I have never received the form she supposedly was sending at the end of last month. 

I contacted customer service again today and was told that my account was closed and I could re-submit an application, but that they would check my credit again. This is not acceptable. 

I would like to have this credit card, and I should not have to have another ding on my credit to re-open the account. This company is engaging in unfair and unethical business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
Company: Experian Information Solutions Inc.
State: MD
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 received a lifelock notification XXXX XXXX XXXX XXXX XXXX opened a new account on my consumer file on XX/XX/XXXX alleging {$550.00} owed to their company. Report shows XXXX account with a {$0.00} balance. 

XXXX XXXX XXXX XXXX XXXX opened an account with Experian stating a 1 month term seriously past due since XXXX which is false. See 24-month payment history. 

XXXX XXXX XXXX XXXX XXXX opened an account in XX/XX/XXXX with XXXX alleging {$550.00} was owed since XX/XX/XXXX which is false. I have never heard of this company and there was no communication in XXXX at any time. 

Experian and XXXX has credit consumer report along with XXXX XXXX XXXX Finance & Credit Card, and other mortgage company does not show XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

If both XXXX & XXXX XXXX XXXX XXXX XXXX was owed {$560.00} they would not have allowed the 3 year statue of limitations to expire. Their acts are deemed harassment. XXXX received disputes updating consumer files to {$0.00} balance prior to XX/XX/XXXX. 

Experian and XXXX ignore all request to conduct a thorough investigation based on all disputes sent between XXXX - XXXX. Both companies state they do not investigate the creditor updates through electronic means. There are several discrepancies one report has XX/XX/XXXX on Experian. My report that showed a XXXX FICO score XXXX XXXX XXXX back date the account to XX/XX/XXXX to drop my score over 100 points

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 2023-05-31
Company: EQUIFAX, INC.
State: AZ
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:
In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX  XXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXX ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be greatly appreciated.

Company response to consumer: Closed with explanation