BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to XXXX, Equifax, and XXXX. I have contacted the bureaus, but they merely rely on the E Oscar system and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, XXXX has been sent numerous return receipt letters and has failed to respond in a timely lawful manner. I want this deleted from all three credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. 
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 and 1692. 
Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Subject : Issue with deposit Dear XXXX, I am writing to you with reference to an issue that I am facing regarding my recent deposit to my checking account. On XX/XX/2023 at XXXX pm, I made a deposit of {$2000.00} on a Chase ATM machine. However, I regret to inform you that the amount of money that I deposited did not appear in my account. 

As soon as I noticed the discrepancy, I contacted the Chase customer service representative immediately. I was informed that the matter will be investigated, and I was assured that it will be resolved at the earliest convenience. 

Nonetheless, to ensure that the problem is being addressed at the highest priority, I am writing this letter to report the incident and seek your assistance. The deposit amount is significant, and I am worried that the matter might not receive the due attention. 

Moreover, to increase the chances of resolving the issue, I am reporting the matter to XXXX as well. I hope that XXXX intervention will help expedite the investigation process. 

I have been a long-time customer of Chase Bank XXXX and this is the first time I am facing such an issue. I wish to state that I have always been satisfied with the banking services provided by their bank. I request you to kindly look into the matter and keep me informed of the progress made in this regard. 


Thank you for your time and attention. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: VYSTAR CREDIT UNION
State: FL
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 did a loan consolidation in XX/XX/XXXX with Vystar Credit union. My credit score was sufficient for me to do so as I have always tried to pay my bills consistently on time and before 30 days. I had a car loan with Vystar and paid it off early last year. The complaint is regarding the loan taken out XX/XX/XXXX. I attempted to make XXXX payments to Vystar in XX/XX/XXXX thru Bill pay and it was declined by Vystar according to XXXX XXXX XXXXXXXX Bill pay. The reason was the address was inaccurate. Vystar has at least XXXX different addresses on their website that can be submitted on Bill pay. XXXX at. Vystar office stated to me that they were in a transition when I sent the payment ( From XXXX to XXXX then back to XXXX was cited as a reason ). I explained to the collection department what occurred and they stated that they do not grant such requests, in spite of it being their declining payment. This late payment is the only late payment that I have on my credit history in more than XXXX years. This late payment is making it difficult for me to expand my borrowing ability. Vystar has a history of ineptitude as it relates to serving clients needs regarding complaints. They recently had a massive snafu with reference to customer and access to accounts. XXXX and XXXX in collection at Vystar made it clear that they do not do goodwill reporting, even if it Vystar fault. They should not be allowed to ruin a persons credit because of institution incompetence. This incompetence extends to customers inability to set up accounts and submit payments directly to Vystar. I attempted to set it up and it ended by telling me it failed and to call a number the next day which I did as instructed. No live person was accessible. I then went to the Branch office on XXXX XXXX in XXXX, FL. I was given XXXX different addresses by XXXX tellers. The car loan and consumer loan sites are different as far as payment addresses are concerned. I simply want them to remove this reporting from my credit. This is not good will report removal, it is them doing what they should do legally.

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 2019-08-06
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I was effected by the the eqaifax security breach and enrolled in there free identity theft protection services id premier which is supposed to reemburse you for the cost to restore your identity up to 1 million dollars I bought my house during the beach and moved and XXXX the insurance company with the id premier service wont let me file my claim with out the original letter from eqaifax informing me that I was effected by the breach the letter was sent to my old address Im assuming because I never received it Equifax says they cant send me another letter for what ever reason that I can got to there web site and type in my info and that will tell me if I was effected but when u do that and hit submit it opens a new window with a brief message saying according to our records you where effected by the breach but XXXX want except that because it doesnt have my name on it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: WA
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 reported to XXXX and Experian that XXXX is reporting my closed account XXXX as having a high balance of {$29000.00}. 

This is incorrect. 

When the account was closed, the balance was {$120000.00}. XXXX correctly listed the amount while the loan was open, but when the account was closed, suddenly the account had a high balance of {$29000.00}. The interest alone on this account was {$110000.00} XXXXXXXX XXXX practices are deceitful and dishonest. XXXX is making it sound as if this {$29000.00} took 29 years to pay off and its harming my credit score.

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: Experian Information Solutions 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:
I have spoken to experian and I advised of requesting removal of inquiry from XXXX XXXX. XX/XX/2023. I sent previously information to show a hard inquiry was made on my credit report, in which they denied. I also uploaded a letter from XXXX XXXX requesting inquiry to be removed as well as XXXX XXXX  has advised they personally requested to remove the inquiry as well. Experian still has not complied. I spoke to experian and confirmed they did indeed receive the letter from XXXX XXXX that I uploaded on their site. They still have not removed the inquiry nor gave me back the points that was taken from my credit score. I was advised that if a company request to remove or provides a letter to request a removal of an inquiry that is sufficient and still they have not removed the unauthorized inquiry or provided my points 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 explanation
Consumer complaint received 2022-11-16
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3700.00} ; 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: FL
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 have a subscription with Experian to monitor my credit file. And even though I pay Experian for online access to my account and to dispute items online, Experian blocks me from disputing online a fraudulent account being reported by XXXX/XXXX  XXXX  XXXX. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to XXXX/XXXX   XXXX XXXX  reporting of a mortgage paid late allegedly owed by me. I contacted Experian on XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX disputing the account to XXXX and Experian and providing them both police reports they say they never received. Under the FCRA fraud victim rights, when a credit bureau/ credit reporting agency is notified of an account as fraud the account is supposed to be blocked by that agency/bureau during the investigation. Upon receiving proof of the item as being fraud it is to be removed. I provided Experian with a police report that identified XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXas fraud. 

I also disputed it with and provided letters of dispute sent to XX/XX/XXXX/XX/XX/XXXXXXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. Experian sends me a dispute completion notice stating that I should have known this account and that they verified it as mine when I AM THE VICTIM OF FRAUD. 

I tried numerous times to continue my dispute via online but I WAS BLOCKED EVEN THOUGH I PAY EXPERIAN FOR THIS SERVICE. Under the fraud victim rights according to the FCRA, I am entitled to have this account blocked as I have identified this account as fraud and I have provided TWO SEPARATE police reports indicating XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXXas fraud. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to Experian in reporting of this fraudulent account as it is defaming and willfully harming me as a consumer. I also requested a personal statement be added to the XXXX account in my credit file specifically stating that " XXXX account is Fraud ''. 

I provided Experian with the cease and desist I also sent it to XX/XX/XXXX/XX/XX/XXXXXXXX XXXX in their reporting of this fraudulent account to Experian.

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 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A loan was taken out through XXXX XXXX fraudulently. I reported to XXXX XXXX immediately after receiving a letter saying my account was approved and my address was changed and to call if it wasn't me. Which I did. I explained I had not applied for or requested.The XXXX and experian accounts said they investigated and found the information accurate and updated. I have not taken out this loan this was identity theft using my information having goods sent to another address.I haven frozen all the crediting agencies and reported this as fraud to them and the fct and I would like this investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I reviewed my credit file and there was a collection agency listed for a debt. I asked the company to validate the debt and I was provided typed documentation with my name listed. A typed signature and no identifying information related to me is not acceptable validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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:
reported to XXXX XXXX and equifax credit that i was credit hacked and that the bankruptcys and XXXX XXXX  and XXXX  and several other companys were not mine and i have reported this to the police so i am asking for this department to help me in this matter i sent a fcra demand notice to all companys that states they have 4 business days to remove and or block

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance XXXX {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX 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 2023-07-24
Company: Experian Information Solutions Inc.
State: AR
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 sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX BANK XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR 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 explanation
Consumer complaint received 2023-03-17
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I opened a bank account and was waiting for my debit card to arrive by a mail from M & T bank but I never received it and there has been 8 unauthorized transactions each for {$1000.00} form XX/XX/23 to XX/XX/23 it says atm withdrawal and i was denied of dispute because they think that I had the debit card in my possession while this transaction were made, I visited a branch to dispute the transactions but was denied, can you please help me resolve this issue thanks.

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