BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: MO
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 express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, MO 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 2023-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is showing an open account which i currently don't hold. Because of this account my credit debt has increased and its effecting 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress

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 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2020-04-05
Company: EQUIFAX, INC.
State: AR
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:
Please be advised this is my 2nd attempt in trying to resolve this matter. Equifax claimed my recent complaint was not specific enough in regards to the fraudulent accounts despite the fact they have received SEVERAL dispute letters listing the fraudulent related accounts. Accounts related from identity theft are 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4. XXXX XXXX # XXXX, 5. # XXXX XXXX # XXXX # 6. XXXX, XXXX   # XXXX. Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and XXXX  has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX, XXXX AND TRANSUNION are reporting incorrect information for an account : company name, account numbers, balances, and payment histories are wrong.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a complaint in XX/XX/2023. I requested for unauthorized items listed on my report be removed. I attached all documents needed to complete this process, but only selected items were removed. Per the FCRA, section 609, I am requesting all information pertaining to the attached inquiries.

I am legally entitled to all documents related to each item, please include each original credit application and contract containing my signature. 

If you are unable to meet my request, please remove all 3 inquiries attached. I am allowing 15 days for all items attached to be removed.

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 2023-03-01
Company: EQUIFAX, INC.
State: GA
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. 

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, has violated my rights. 

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 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 records of convictions of crimes which antedates the report 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 2020-09-24
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I saw Rocket Mortgage commercials that show it's all online. I submitted an app expecting rates, but you have to talk to someone in AZ first before getting rates. That information was never given to me before finishing the submission when I gave them the property location online. As soon as I got a notice on the landing page, where I was expecting to get available rates, to call someone I did. I got someone in California who had no idea why I was transferred there and said I would need to talk to someone in AZ. I then immediately got back online and used their web chat to talk to a rep. I repeatedly told them I do not want my credit pulled since their service was misleading and not really an online service. I repeatedly kept telling him I also no longer wanted to use their services and that I felt misled. Then I got an alert today that my credit was pulled two days ago anyway. I also asked for a copy of the online chat when I called today and they said I couldn't get a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: U.S. BANCORP
State: MO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi, I bought a US. Bank prepaid card, Bin XXXX. {$500.00} ( deposit ) + {$6.00} ( purchase fee ) XX/XX/XXXX : The trouble started from XX/XX/XXXX, I lost my card. 

XX/XX/XXXX : I requested a replacement. They asked me to provide IDReceipt, submitted on web ( XXXX ), identifying the purchase. I did it. They sent me the replaced card. ( Charged me a {$6.00} replacing fee ) XX/XX/XXXX : I got the replaced card. 

XX/XX/XXXX : The same day, I find the card is unable to use, I contacted the company, spending over 1.5 Hours. They said they are unable to active my card since the information I provided is not match. 
( yes, this is okay, it does mismatch because I bought a lot of GiftCard that day ), ( Complain 1 : How can they issue a replacement if info mismatch? ) XX/XX/XXXX : I agree to send correct info, And I did it via Fax. 
They said they will active my card in 3 days. 

( Complain 2 : it's XXXX, Fax is not convenient to use, Each time I use it I will be charged a couple XXXX Why we can not use E-mail? ) XX/XX/XXXX : I called them again, The card is still un-active. 

XX/XX/XXXX : I called them again, they said they still can not active. 
I escalated to the supervisor, they now provide details about why it can not active. 
" the photo ID is to light to be seen, " ( I used my phone to take a photo of my ID, And Faxed it. I can see it clearly, Name, Datebirth, Address, everything is clear. I don't know why they can not see it. ) ( they just repeatively said it's too light to be seen in their system ) ( Fax will automatically adjust the photo to white and black, so they is no so called " light '' problem, becasue all photo will be black and white ) ( I actually a half-professonial photographer, I know how to take a photo better than 99.99 % people ) I said, I can upload it again, on web site, so this will be very clear to see. At first, they said they can not do it, they can only accept Fax. 

After half hours talking, they give me a try to upload, a web channel. But that channel is not working, I can not upload it. 

Then, they start repeating again : " fax is the only way to do it, we can not do anything else ''. I said, can we use e-mail? They said no, Fax is the only way.

For now, I spend over 1.5 hours on the phone again, and I still can not use my card.

( Complain 3 : 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 monetary relief
Consumer complaint received 2019-06-18
Company: EQUIFAX, 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 many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone opened an account with XXXX XXXX XXXX this year after I placed a lock on credit with credit agencies. I have never used or had XXXX XXXX and don't currently have electrical power in my name. Called company and they don't know what service address or the account that XXXX provided in a dispute doesn't show up in their system. 
Call made today XX/XX/2023 and amount in question is for {$390.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This is a follow up to an existing complaint I filed against JPMorgan Chase - Chase Recovery Services. I had been trying to re-negotiate an automatic deduction from my checking account, made monthly on the XXXX, for repayment of part of a credit card debt, that I was told I should do or they might take legal action. Given the current crisis, the fact that I am on SSDI, I tried to renegotiate this settlement with Chase - not to erase it - just to lower the monthly payment. They initially refused to stop the automatic deduction - I'm not sure how they can legally do that> I thought this was my bank account. I received a call from Chase Executive offices. A woman named XXXX left a message. Here is her information because you are going to need it - and I should note that she has now come up with two different telephone numbers in two different locations - so I don't think she's calling from Chase Executive Offices.

You sent the complaint to Chase - but they farmed it out to a debt collector, and this one is getting abusive as well. Originally, " XXXX '' called from XXXX XXXX, NJ. The phone number came up as XXXX. She said she was looking into it. I called her back three times - went automatically to voice mail. Although that was the number that came up on my phone, she asked me in her voicemail asked me to call : XXXX, ext. XXXX. That is the number I called 3 times. Straight to voicemail. 

Today, " XXXX '' called from the number XXXX, XXXX XXXX, NY. She's obviously not affiliated with " Chase Executive Offices. '' They are lying. She gave me another number to call, but said that she did not know if I could renegotiate this situation. That number is : XXXX. I called. It disconnected. " XXXX '' said that this was the " resolution '' to my complaint. Obviously it isn't. 

JPMorgan Chase gets my SSDI check directly from the SSA. Unless I can establish a new bank account at another bank, when I have XXXX and no XXXX XXXX   - and get that direct deposit set up with the SSA - they will continue to take my money and offer me no way to negotiate a lower monthly deduction - and this is all after Chase Customer Service refused my request to cancel that deduction. 

This is abominable. JPMorgan Chase is taking advantage of an immunocompromised person in the middle of a global pandemic. I've banked with them for 20 years, and I have apparently have no way of stopping them from stealing $ XXXXmonth from me. And I am XXXX  for XXXX and awaiting a test. " XXXX '' could actually hear me coughing on her " recorded '' line. 

JPMorgan Chase is LYING to the CFPB. And to me. And that probably means to millions of other Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a problem happen with my chase XXXX bank account that started on XX/XX/2022 with a customer of mine XXXX XXXX. She had paid my company for her long distance move for a cost of {$4600.00} paid with 2 separate checks one for {$2000.00} and the second for {$2600.00} on XX/XX//2022. After the customer paid the following day she wanted to cancel so I refunded her in full the {$4600.00} deposit and canceled the service. I told XXXX allow 24 - 48 hours for the funds to be available in her checking account and she confirmed with me that she understood. The following day on XX/XX/2022 I noticed that one of the checks she paid with for {$2000.00} was charged back after I had paid her the full deposit back of {$4600.00} and the {$2000.00} was deducted out of my XXXX  account. XXXX XXXX now had a total of {$6600.00} which is {$2000.00} more than what I refunded. XXXX stopped speaking to our company and staff and when I asked her about this she then threatened me with false reviews and claims towards my company and refused to give back the additional {$2000.00} she had taken. I notified chase bank and they put a stop payment on the {$4600.00} reversing it back to me so I could recoup the {$2000.00} loss on XX/XX/2022. On XX/XX//2022 I noticed on my statement that the reversal failed and went back to XXXX XXXX. I went to Chase bank and showed them what happened and they refused to help me and said I had to make a claim and need to handle with the customer. The customer XXXX refused to speak with me and continued to threaten me with false claims and reviews if I did not stop contacting her. When I tried to submit a claim with Chase bank they did not accept it and would not let me file. I then went to the police station and filed a police report against the customer that I then took back to Chase bank and showed them and my statements a second time of what happened. They started to take my case more seriously and told me they would help me out and recoup the funds. Since XXXX of 2022 Chase Bank has not done anything for me and when I ask for updates they don't give me any answers or try to help. They assisted this customer with taking additional money from my business and when I speak to the police they tell me this is a clear case of fraud. I need help now I am a small business owner and have been taken advantage of by my own bank J.P Morgan Chase Bank.

Company response to consumer: Closed with explanation