BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2021 statement had a balance of {$160.00} closing on XX/XX/2021. Payments in the form of a cashback statement credit were redeemed on XX/XX/2021, in the amount of {$160.00} and an additional {$5.00} payment was submitted on XX/XX/2021. The combined total covered the XXXX balance due. Upon logging into my account on XX/XX/2021, I noticed a {$20.00} late payment fee applied ( allegedly from XXXX ) and an overdue balance of {$390.00}, which constitutes the value of purchases between the next statement cycle ofXX/XX/XXXX-OXX/XX/XXXX 2021. I immediately made payment for this amount, even though this amount is said to actually not be due until the exhaustion of the 25 day grace period.

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 2023-08-04
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: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: AMALGAMATED TOKEN SERVICES, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On date XX/XX/2021 I opened an account on Coinlist and deposited XXXX USDC into my account. After that date, I was never able to log into my account again and therefore to use my funds. 
I raised this issue to the company on a few days later by raising a ticket ( XXXX XXXX ) on their website. When you raise a ticket, they promise to get back to you within 7-10 days but they never responded. I also sent mails and messages and they took no action and did not respond to any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. 
importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with details. 
information pertaining to the alleged accounts, including any associated. 
transactions, applications, or account activities. It is crucial that I review this. 
information to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related. 
alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 

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 2023-08-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing an account with Wells Fargo. I have asked for validation in which the response did not show a contractual agreement bearing my signature. The most recent letter was sent on XX/XX/2023. The account shows inaccuracies with the date opened, credit limit, date last active and the date of last payment. I am requesting for the inaccurate account to be DELETED off my credit report. It is reporting to XXXX and XXXX I initially contacted the credit bureaus that the account was reporting to and since an investigation was to be done Wells Fargo has not deleted or tried to rectify this situation. The account does not belong to me and must be deleted

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 2021-12-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened an account in my name around XX/XX/XXXX, there is a balance of {$5100.00} on the card ending in XXXX. I obtained this information from JP Morgan and chase and told them to close the account on XX/XX/XXXX. I contacted all three credit bureaus and asked them to place a freeze on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX XXXX XXXX about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX XXXX, a utility provider in the state of Illinois placed to collections : XXXX XXXX XXXX is inaccurate because I have never lived in the state of ILLINOIS. 
It first appeared back in XXXX on my credit report under XXXX XXXX with the same amount {$940.00}. I disputed it with Transunion providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX & Transunion are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & Transunion Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting XXXX XXXX XXXX several times they have not done anything to remove this incorrect information from my credit 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 2021-10-18
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently settle with my lender BSI on a wrongful foreclosure, XXXX  violations and accounting issues I agrre to drop the lawsuit. after a judge Order a ENE ( early neutral evaluation ) we settle on XX/XX/2021 these where my conditions to drop the lawsuit against us BSI and XXXX XXXX XXXX XXXXt :1 : they recinded the sale and return title to me 2 : they give {$5000.00} for compensation 3 : review for a loan mod 4 : reduce my principal from {$470000.00} to $ XXXX forgive attorneys fees around $ around XXXX after all this I agree to not sued them again. 
My problem is an unjust loan mod proposal that is predatory and imposible to pay and to add to injury they not respecting the settlement agreement they keep giving me inaccurate statements and completely ignoring the court order they relying on the fact that I can not sued them againAnd they only comply with saying that they fulfill the requirement of a loan mod even if is imposible to pay so they can foreclosure on me again they do not have any intencin on help me .my goal is to keep my home and pay what I owed with a loan mod that comply with XXXX  guidelines .and that they. give me an accurate statement that reflects the settlement agreement not what ever they say I need Help I am desperate and frustrated nobody seems to be able to help please HELP. 


Home owner info : XXXX and XXXX XXXX Home Address:XXXX XXXX XXXX XXXX 
XXXX XXXX ca XXXX phone XXXX email XXXX Loan servicer BSI financial services XXXX XXXX XXXX second floor XXXX XXXX XXXX XXXX, PA XXXX customer care XXXX loan # XXXX tems attached : copy of proposed loan mod copy of settlement agreement copy of a payoff statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX section XXXX A.States that I have the right to privacy. 

15 U, S.C 1681 section 604 A section 2.It also states that 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 records of convictions of crimes with antedates the report by more than sever 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 a reasonable cause to believe that the information is inaccurate.

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 2023-01-14
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So I'm still waiting for the {$200.00} from XXXX and also that first Hawaiian bank said that they're still working on that issue and now just the other day I found out some unwanted transactions in my bank account!!!! I didn't recognize these charges from a XXXX XXXX or ever used my debit card to buy services or anything for that matter. The charges so far are now {$21.00} and now I told my bank but I wanted these charges not posted!!! Also, waiting for the {$200.00} for that unwanted post

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Transunion is not showing the terms of my Mortgage loan with XXXX  XXXX  XXXX which is a 30 year loan.Also the current payment status states ( no info ) for XXXX, XXXX and XXXX of 2019 : However, Transunion states that the last payment to XXXX  was XX/XX/2019 2019

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 2023-09-22
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A personal check that I mailed via a XXXX mail drop on XX/XX/2022, was subsequently stolen and cashed. It was cashed on that same day after the thief changed the name on the check as to who is was made out to. 

When I wrote the check, it was made out to XXXX XXXX XXXX XXXX XXXX XXXX. 
I had no reason to think that there was anything amiss with my check until approximately 2 months later when the bookkeeping firm that should have received my check, emailed me to say that they had never received my HOA dues for XX/XX/2022. I had no idea what they were talking about. I checked my bank statement. It showed the check # XXXX having been cashed on XX/XX/2022 for {$820.00}. The transaction looked exactly as it had looked every month for a number of years. 
It was only when I clicked on the small check icon and opened the check view, that I realized that someone had changed the Name on the check and cashed it. It was at this point that I contacted Chase to let them know what had occurred. 
I went into my local Chase bank that day to get things straightened out. I was told that I would have to make an appointment and to come back the following day. When I returned the following day, my current checking account was closed and a new one opened. 
I contacted Chase on several occasions about this matter. They kept telling me that they could not reimburse my checking account for the {$820.00} because I did not report the issue within their 30 day timeline. I told them, repeatedly, that I didnt know it had occurred until my XXXX bookkeeping company contacted me approximately 2 months after the check had been cashed. They didnt care that I didnt know it had occurred within their 30 day period. I called them 3 times only to get the same reply each time. 
I received a letter from them on XX/XX/2022. It stated : Your claim has been denied because your time frame to request reimbursement has passed. 
As I mentioned previously, the transaction on my online statement looked identical to every other transaction that I had made with my XXXX company. The thief did not change the check number or the dollar amount. Therefore, I had no reason to think that anything amiss had occurred. 
I have been a customer of Chase Bank for over 50 years. I am appalled that they will not cover the {$820.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: SECURITY FINANCE CORP
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: Account information incorrect

Complaint:
I have an account on my credit report, reporting to XXXX XXXX XXXX  reporting an account with Continental Loans/Security Finance as late then updated to missed payment when I have sent in proof the payment was never late or missed but they are failing to update the account as such ruining my credit when Im trying to start the process of purchasing a home. I contacted the lender the loan is with and they confirmed this was an error on XXXX part not theirs. XXXX is also not updating accounts correctly and in a timely manner. I have accounts on my report that has not updated since XXXX and when I called them advising to update the accounts the next few days the account updated as closed. THis is continuous and ongoing issue with this credit bureau that needs to be corrected as soon as possible as they are ruining peoples credit due to their negligence of updating accounts properly. There are also inquiries that were not made by me that I have disputed but again they will not remove them.

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 2023-07-05
Company: EQUIFAX, 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'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed in ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Inaccurate Addresses : XXXX XXXXXXXX XXXX MT XXXX, XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXX XXXX, MT XXXX ; ACCOUNTS : 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 XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: Consumer Adjustment Company Incorporated
State: MO
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:
On XX/XX/XXXX Consumer Adjustment Company added negative remarks on my credit report from XXXX dropping my score XXXX points. I have never had an account with XXXX or Consumer Adjustment Company. I have never received a call nor letter from either Consumer Adjustment Company or XXXX. It shows this account was opened on XX/XX/XXXX and has a balance of {$2900.00} This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Gravamen Asset Management Group LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, After filing a complaint with CFPD, On XXXX the XXXX 2021. Regarding a debt I have no knowledge. I also received a call from XXXX, who stated he's calling from Gravamen Asset Management Group LLC. I asked XXXX to please provide me a address to mail debt validation letter. XXXX continue to advise me a letter will be mailed to me I was unable to get address. I had to XXXX the company name the address shows as XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA, XXXX the problem on XXXX shows different suite # 's, so it's very hard to know which suite is correct. I priority mail my debt validation letter today to the address provided into this complaint to suite XXXX which seem more recent. I have called and left messages as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a lease with my roommates for 12 months at XXXX XXXX XXXX in XXXX XXXX, Texas. I was XXXX XXXX military stationed there and received my XXXX  orders for XXXX, a month before the lease was up. When I left I cleaned my room and bathroom, which remained empty. My roommate was staying somewhere else and apparently left a mess. When the lease was up they sent a bill to me and told me my military orders werent XXXX XXXX orders, which they were. I explained in an email to them, with my orders attache, that XXXX orders are treated as relocation orders since I need to relocate to my home of record since Im no longer working up there. They kept telling me I wasnt XXXX XXXX while living there which I was, so it never got resolved and got sent to procollect.

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