BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute inaccurate information on my credit report, which I initially brought to the attention of Equifax on XX/XX/XXXX. To date, I have not received any response from Equifax regarding these discrepancies. I am providing the details of the erroneous information and the necessary corrections required : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Issue : The following account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The information for the account is inaccurate, as I am not familiar with the company XXXX, and I have no contract with them. I dispute the reported balance of {$1700.00} and request verification of the Date Opened and Date of First Delinquency. 

XXXX  Date Opened : XX/XX/XXXX Balance : {$2200.00} Issue : The reported collection agency is unknown to me, and I do not have any contract with them. The reported balance of {$2200.00} appears inaccurate, and I believe it should be lower. Additionally, the reported balance exceeds the High Balance on the same account, suggesting an inaccuracy. I dispute the entire account and request verification of the Date Opened and Date of First Delinquency.

Company response to consumer: In progress
Consumer complaint received 2018-11-28
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ally closed my savings account on XX/XX/XXXX, with no notification. I went to transfer/withdraw my funds on XX/XX/XXXX, and my account was listed as closed. I called Ally, and the customer service rep didn't know why they closed it. She advised they mailed me a letter in the beginning of XXXX ... still don't have it, it's now XX/XX/XXXX. 

I contacted customer service again today, looking for my funds. They advised they posted a notification on their website about closing my account. I only use the mobile app, which they should know from their security logs. The rep walked me through accessing on the mobile app, and guess what? No notifications.. " oh that's odd, sometimes we have problems with the mobile app '' I was never notified, never communicated with, never told Ally would close my account. 

Further, I not only have missing funds but I have two direct deposits going in this week. Ally refuses to help in anyway. The agent tonight, XXXX from Arizona, confirmed that Ally closed my savings account as I used my savings account too much. Ally is attempting to use Regulation D, however, regulation D doesn't specifically say my account has to be closed. It could have been converted to a different account type, that option would have been much more customer centric. 

I've called into ally many times over the past 2 months ... not once did anyone ever notify me that I was in jeopardy of having my account closed due to using XXXX to send money to a XXXX woman, nor did they tell me I use my savings account too often. 

Also, XXXX from Arizona let me know about the systems limitations at Ally and what she told me does not match the resiliency information filed with the Fed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: In progress
Consumer complaint received 2020-06-12
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I mailed dispute letters in XX/XX/2020 pointing out factual inaccuracies in the ChXXXX Bankruptcy being reported. After getting a response of updated or verified, I sent another letter in XX/XX/2020, pointed out inaccuracies again, asked for deletion and their method of verification and the documentation received from the original creditors to validate their reporting, which is inaccurate, and they did not provide specific verification information or any supporting documentation within the required timeline. I mailed another letter in XXXX, and another again in XXXX informing Lexisnexis to delete once again, noted the factual inaccuracies in reporting, and informed them I will be reporting to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: JPMORGAN CHASE & CO.
State: IL
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 rewards from credit card

Complaint:
I have Southwest Rapid Rewards card ( s ) issued by Chase. Many advertised benefits are offered through More Rewards. These include hotel stays, car rentals, gift cards, merchandise, and international flights. However, the More Rewards website has been " down for maintenance '' for several weeks. When I contacted Southwest, Chase and AwardsHQ ( host of More Rewards ) they all can not provide a timetable for the site to return. TODAY I received a promotional email from Chase touting the benefits of my card ( s ), which includes a link to a listing of these benefits mentioned above. Benefits that are not actually available, which amounts to false advertising. Chase is advertising benefits that are not actually available to cardholders. I'm attaching screenshots for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi There, Recently I moved temporarily to XXXX with my family. We moved because my business was mostly shut down due to Covid restrictions. Before moving I notified Chase that my new mailing address was in XXXX but my business was still operating as I was working remotely until there is a vaccine and I can once again travel back to California. 

Without warning Chase completely froze and canceled my account. I had {$80000.00} of money in my account and they said they sent me a check!!!! AN {$80000.00} check in the mail!!!!!!! I can't pay my assistant because that is the account that I use for payroll. I have always had a high balance in my account and never had any defaults. I have been a loyal Chase customer. I can not understand what triggered this. Please help. I no longer have an account where I can get paid. This is very troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I ordered security cameras online that came to a total of {$400.00}. My order was falsely marked as delivered by the delivery service. I reached out to the company I ordered from and they told me they would not resend the item or refund the amount paid paid. I disputed the charges with Chime and included copies of communication with the delivery company as well as the company I ordered from. I requested a refund in the amount of {$400.00} due to product not being delivered. My request was denied and I requested the documents used to make that decision and had a right to receive that information within 30 days. That request was made on XXXX. Chime ignored my communication attempts and refused to send documents for over 60 days. Documents were sent on XXXX and only contained the false delivery documents that I had provided and attested that were untrue and had not been delivered. By that time, I had surpassed the deadline to file any other complaint which Chime did intentionally so as to not have to refund my payment. I continued to make attempts to solve this matter until XXXX when I filed a rebuttal with Chime and never received communication from them afterwards. They have refused to respond in a timely manner and one that would protect their customers from unfair practices of merchants and delivery services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the FCRA. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX  : account # N/A, account name XXXX : account # N/A, account name XXXX XXXX account # N/A, account name XXXX XXXX, account # N/A, account name XXXX XXXX XXXX, account # N/A, has violated my rights. ( List all negative accounts ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 of convictions of crimes which antedates the repot by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: FL
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2023-10-30
Company: EQUIFAX, INC.
State: NV
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 writing to formally inform you of my intent to take legal action against XXXX, Equifax, and XXXX due to the reporting of fraudulent accounts in my credit report, which has resulted in severe financial and reputational harm. I have previously submitted an identity theft affidavit to your organization as evidence of the fraudulent nature of these accounts. Despite my efforts to rectify this situation, the damaging information continues to negatively impact my life. 
The law is clear that credit bureaus are required to report all accounts accurately. The alleged accounts in question were not opened by me ; my identity was stolen, which is the sole reason these fraudulent accounts exist in my credit report. To resolve this matter and avoid legal action, I demand the following information and actions : 1. Provide a complete log of all dates and times you attempted to contact me regarding these alleged accounts. If these accounts were established by another party, you must specify your relationship with them, whether you are reporting this information as an " assignment '' or if you have purchased the alleged accounts outright. Additionally, provide all account details for at least a year leading up to this action, including any collection fees or interest incurred. If you are a third-party collector, please furnish proof of your license or bond to collect in my state, allowing me to confirm your identity. 
2. Present evidence of my wet signature on any relevant documents associated with these

Company response to consumer: In progress
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
First off I removed my money from the Wells Fargo due to extreme overdraft fees literally that would approve things for next to nothing then overdraft my account making me owe more than what was charged they also short my money I didn't notice it until I had to pay XXXXXXXX XXXX XXXX  and was short over XXXX dollars at my kid party also it took days to get 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 2023-10-27
Company: EQUIFAX, INC.
State: IL
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 not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: OH
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 got a copy of my credit profile there were items on it, that I didn't recognized including addresses, phone number, incorrect birthdays etc... Which I was able to get deleted. I did a FTC report and sent it to the creditor 's, and to Equifax Credit Bureau. Equifax did remove the items, and then 4 days later it was back on my credit profile. I called Equifax and then I was told that it was put back on my credit profile because the creditor verified it was mine. I told Equifax once again I'm a victim of identity theft. I told them again I never had these account. I was told I needed to dispute these items to have them removed. I sent in a debt validation letter to Equifax disputing these items. I waited 45 days, and it came back verified. I sent out a second response validation letter. It came back verified, and then I asked Equifax how is the creditor verifying debt that is not mine? Equifax stated the creditor is saying that it was mine. This went on for an entire year with the creditor sending me correspondence 's stating here is the information that I requested which ended up being a monthly statement nothing more. for an entire year without anything other then a bill for every item. I send in information stating this is not validating the debt. For them to please send me the original contract with my signature on it. I have never received this to date XX/XX/2023 XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a phone call from a Mr. XXXX, he left as voice message stating he worked for an attorney named XXXX XXXX. He was making a final attempt to deliver a summons for court. He tried my home and my work and could not locate me. If I needed any further details, please contact this legal firm. If I did not contact them, it would result in further legal action without my knowledge or consent. I have been served. 

I then called and spoke to Mr. XXXX and told him that I don't have a place of employment, and that I was on Social Security. I also told him that I don't recognize that debt. It was from an Orchard Bank, for a XXXX Visa card, in the amount of {$1800.00} He told me that they would take me to court and I would pay all fees therein, which would amount to approximately {$4000.00}. 
I asked him what was charged on the card and he said he couldn't tell me that information, but I could ask the judge for them to reveal that, but it would cost me another {$1500.00} because we would both have to show up in court again. 

I advised him again that I was on Social Security and could not afford this debt that I wasn't even sure was mine. He had all my personal information. He stated the debt was from XX/XX/XXXX to XX/XX/XXXX, This is 12 years ago, and this is the first I have heard of it? I told him that I was afraid that this might be a scam. He said it was not and gave me the attorney name of XXXX XXXX. 

He also said that he could put me on hardship program of $ XXXX/month, and that would come out automatically every month. He said he would talk to the attorney, and make sure this was a good offer and he would get back to me today. He called and left a message today that the attorney would give me two options and to call him and we would get this going. He emailed me a Docu-sign that I was supposed to sign and email back, it had two offers on it, but I was afraid to open it, so I didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: AZ
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:
They will not validate the debts! They will not provide me with the documentation! They just reporting inaccurate information. 
Section 809 [ 15 U.S.C. 1692g ] validation of debts ( 1 ) The amounts of debt ( 2 ) Name the creditor to whom the debt is owed ( 3 ) A statement that unless the consumer within thirty days after receipt of notice, disputes the validity of the debts or any portion thereof, the debts will be assumed to be valid by the debt collector ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Equifax -- -- - XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX and XXXX I was victim of fraud several times on My best buy ( citi bank ) credit card and I reported all of them and opened a dispute. In the begining they gave me credit for those transaction but the following month they rebill me one of those transactions. The amount of that purchase was {$740.00} on XX/XX/21 at best buy store in XXXX NJ. They told me the reason why they rebilled me was because " I stayed that I had my credit card ''. They assumed that I did it because the receipt says " card was present " at the moment of the purchase. I appealed that decision and I submitted proofs that support that I didn't do it. I went personally to best buy store in XXXX NJ and asked them a copy of the receipt. The store manager noticed that on the receipt the card number matched but the id member number didn't. That member ID belongs to other person located in Massachusets. Beside this proof I emailed them a copy of police report, a letter from my job staying that day I was working at my job location in XXXX. Then I verified if they received all documents, They told me that they are going to contact me but they never did it. I called several times and their answer was " there isn't enough evidence '' and the appealed was denied. I asked them to talk with a supervisor, they said that a supervisor is gon na call me and I am still waiting. I want to solve this issue but they aren't helping. I have been his client for over 10 years and I never made a late payment. I've been victim of fraud and spent hours and hours on the phone trying to solve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief