BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: IL
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:
<b>I AM WHO I SAY I AM. I AM NOT AN ATTORNEY. I AM NOT A CREDIT REPAIR AGENCY. I AM A VICTIM OF IDENTITY THEFT. I AM A CONSUMER AND I NOW KNOW MY RIGHTS. 12 USC 5511 ( c ) ( 2 ) <b> I mailed my notarized certified letter to Equifax ( a Reseller With File ) including my Driver 's License, utility bill, copy of Social Security Card and my FTC report detailing the fraudulent accounts. Equifax ( a Reseller With File ) received my notarized certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and Equifax ( a Reseller With File ) has yet to block the fraudulent accounts within 4 business days pursuant to 15 United States Code 1681c-2 Block of information resulting from identity theft.

( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

EQUIFAX IS A " RESELLER WITH FILE ''. ITS SOLE OBLIGATION IS TO BLOCK FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT THAT RESULTED FROM IDENTITY THEFT. PURSUANT TO 15 USC 1681c-2 ( d ) ( 2 ).

( 2 ) RESELLER WITH FILE The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. 
15 USC 1681a ( u ) - The term reseller means a consumer reporting agency that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Public Law and Statutes ( Pub. L. 90321, title VI, 605B, as added Pub. L. 108159, title I, 152 ( a ), Dec. 4, 2003, 117 Stat. 1964 ; amended Pub. L. 111203, title X, 1088 ( a ) ( 2 ) ( C ), July 21, 2010, 124 Stat. 2087. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My accountant had requested my business Credit card statements for 2022. I found that they were not online from XXXX through XXXX. I have call Wells Fargo every month for the past 6 months. They keep saying that they mailed them, I then confirm the address is correct and I never receive them. I'm now going to be penalized by the IRS for being late on my business taxes and personal taxes. I even asked for a supervisor and made a formal complaint and they said someone from the Complaint Department would contact me in 2 business days. That was over 2 weeks ago.

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 2023-01-26
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation 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 2023-11-07
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today XX/XX/2023 I received an email from XXXX XXXX XXXX that my profile has been updated with derogatory changes. After review, my credit score reduced by more than XXXX points and an unknown collection account from SUNRISE CREDIT SERVICE with a balance of {$2400.00}. 

I contacted XXXX and initiated a dispute on this matter. Additionally, a police report has been recorded with XXXX AZ Police Department case XXXX XXXXXXXX.

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 2023-01-15
Company: EQUIFAX, INC.
State: SC
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 fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX ( XXXX ) : # XXXX, XXXX XXXX ( XXXX XXXX ) : # XXXX, XXXX XXXX  ( XXXX XXXX ) : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX 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 ) 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 record by more than seven 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...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Public record information inaccurate

Complaint:
I reach out to Experian Credit bureau about an incorrect, inaccurate, and fraudulent bankruptcy in XXXX I received an email from them showing my report which it stated to contact their third party vendor XXXX XXXX. So Contacted XXXX XXXX In XXXX I was told that they had removed the 2 chapter XXXX Bankruptcy in XXXX of 2020. So I call Experian on XX/XX/XXXX and spoke with a Supervisor who stated to send in the document from XXXX XXXX show that the bankruptcy has been removed. I uploaded the document on XX/XX/XXXX an and called back on XX/XX/XXXX I was told by a XXXX who answered that that document Doesn't mean anything. I then call XXXX XXXX and tell them what Experian said and they tell me that all I have to do is show Experian that document and they should remove it. My problem is that On the report sent by Experian it clearly stat that they get their information from XXXX XXXX and once XXXX XXXX removed it, it should have been removed from their system as well. I want those 2 chapter XXXX bankruptcy removed immediately as Experian is lying and refusing to removed these items that were removed from there source which is XXXX XXXX  as a consumer this is not right. See documents.

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 2023-09-26
Company: EQUIFAX, INC.
State: CA
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 this letter to express my extreme frustration and disappointment with the slow response to my identity theft dispute that I initially submitted to your bureau. On XX/XX/2023, I first contacted your bureau to report suspected identity theft and requested an investigation into the unauthorized accounts and transactions appearing on my credit report. I provided all the necessary documentation, including the FTC report, to support my claim and establish my innocence in this matter. To my dismay, it has been XXXX ( XXXX ) months since I initially filed my dispute, and I have yet to receive any resolution or updates regarding the progress of the investigation. Please delete this account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Never received {$700.00} bonus. I have called Citi bank over 40 times to solve this issue. I have mailed Citi bank 3 times regarding this issue as well. I have also mailed in copy of Promo offer. I also received after opening the account a confirmation of the promo offer. I attached a copy of the confirmation and the promo that was sent directly to me. 

I have attempted to resolve this issue for 7-months and no one has reached a solution on this matter. 

I have completed ALL of the steps on my end, {$50000.00} remained in the account for the time I was supposed to. Please check my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I requested the Experian change the reporting of a mortgage company listed in my bankruptcy. The request was to exclude the mention of the mortgage company because it was not included in the discharge of my bankruptcy. I protected my home from being included. When I requested the change, Experian dropped my credit score XXXX points. I took that as being punished for requesting a change. They offered NO explanation.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
Those accounts arent mine, Never authorized or used by me please Remove these Inquiries of my report. 
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 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 2021-01-02
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX  in XXXX, Texas charged my credit card for {$6700.00} via a Synovus Bank Debit Card. 
I had reported the card lost / stolen to the XXXX Police Department in XXXX of 2020. 
I'm disputing the transaction plus many more on the Credit Card. 

I had advised Synovus bank that the card was lost or stolen and they issued me a new one. This is not the only incident that I have had at this bank in the past. 

There was a fraudulent charge of {$850.00} in XXXX, Alabama XXXXON THE SAME DAY. that took my account balance down to {$0.00} the charges were consecutive in the amounts of XXXX, XXXX, XXXX, XXXX until my account was XXXX. I was in XXXX XXXX, Florida at the time and could not have made the charges. IT took Synovus bank 8 days to refund the money to my account! WHICH MADE IT EXTREMELY HARD TO LIVE, EAT AND MAKE PURCHASES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was due to be paid via direct deposit on XX/XX/. Chase Bank has continually said they do not know when the funds will be posted to my account. I have chased them everyday since Friday XX/XX/, it is now XX/XX/ and no one from Chase Bank can give an estimated date of when the funds will be posted to my checking account. They also have not once reached out to me via email or text to update me as to the status of my numerous enquiries. Chase Bank instructed me to visit a bank branch if I am charged late fees on bills due. This will affect my credit score as well. I am very disheartened and will close my account with Chase Bank, after being a customer for 30 years, for their complete unaccountability and lack of any proactive steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a problem with identity theft first off. I never took out all the loans amounts that shows up on my credit report. I ask for the credit company to verify the amounts dates and loan amounts are correct on my credit report. I know I am a victim of fraud. But I am XXXX can't get them the information they need because I am XXXX. Basically I can't run around town to fax 's or mail paperwork. They are not doing there job to protect customer for information they don't verify debts or times even when they asked to do is. I think it all a scam to get money out people with false reporting. Even after I let them know I am a victim of identity theft

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 2023-11-28
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure makes unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated by rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they did not follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I XXXX XXXX, asking for verification and validation on this collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/2023 Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : [ Your Account Number ] Amount : {$630.00} Original Creditor : XXXX XXXX  XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt listed on my credit report under the account number mentioned above, with an outstanding balance of {$630.00}, last reported on XX/XX/2023. The original creditor for this account is listed as XXXX XXXX XXXX. 


Upon reviewing my credit report, I noticed discrepancies in the reported information, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to dispute the accuracy of this debt. 
I request that you provide me with detailed information regarding this debt, including : 1. Verification of the debt amount and its calculation.

2. Documentation proving that you are legally authorized to collect this debt.

3. Verification of the original creditor, XXXX XXXX XXXX. 


I understand that debt collectors are obligated to provide accurate information, and I believe that this debt may not be entirely valid or accurate. I am requesting a thorough investigation into this matter and prompt resolution. 


In accordance with the Fair Credit Reporting Act ( FCRA ), I also request that this account be temporarily removed from my credit report during the investigation process. I expect this dispute to be conducted within the legally mandated timeframe. 


Please provide a written response to this dispute within 30 days of receiving this letter. If you are unable to verify the debt 's accuracy, I request that you promptly remove it from my credit report. 
Thank you for your prompt attention to this matter. I look forward to receiving a comprehensive response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, I XXXX transferred XXXX dollars to my husbands XXXX  account from my Chase account in which he never received. I have transferred this amount of money to him every month for the past two years and never had an issue until now. 
We called XXXX bank and they told us the money never reached their banking system. 
When I called Chase to find the money- they opened a claim for me and told me that the money had been transferred and sent to a random chase account ( XXXX ) that was not my husband- but somehow was occupying my husbands email. When I asked if I could verify that this other person didn't have access to this email ( XXXX XXXX I was denied this. 
Regardless, The claim went through and the money was put back into my account. But not a short while later chase reversed the claim and withdrew the money again, stating that the money was sent to the correct account in the first place- when they clearly saw that it was not and they previously confirmed that they could see from previous transactions that it was not the correct account. 
At this point they closed my claim and refused to help any further. They told me it was a matter I was to take up with XXXX. However upon calling XXXX to discuss this issue : the system automates a response about how if your issue is with an online money transfer through your banking app, you must take the matter up with your Bank- and hangs up. At this point this is my last saving grace. I am not being helped on any front and XXXX dollars was stolen from my Chase account through XXXX. I do not know what else to do, so I am filing this formal complaint. 
I have provided attachments of bank statements and transactions from my Chase account to my husbands XXXX  account up until XX/XX/XXXX XXXX when the XXXX dollars I had sent was transferred to account random account # XXXX. 
I have also attached the claim notices I received from Chase banking. They are in XXXX form, if need be, I can resend through another medium.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and XXXX have not investigated my dispute and added a false comment on my file for the below account. 

" XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  ... I never cancel this dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation