BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: NV
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 have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 2018-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
1. THE AMOUNT OF MY STUDENT LOAN IS INCORRECT 2. THE ACCOUNT IS BEING REPORTED MULTIPLE TIMES

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX 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.

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 2019-11-19
Company: Santander Consumer USA Holdings Inc.
State: NC
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 disputed Santander Consumer USA for not removing a negative account that has been reported to the Credit Bureaus. It has been seven years since our first negative payment, we admit we were late due to loss of job, but we were able to catch the account up and get it back in good standing, the account was paid in full in XX/XX/2016. We disputed it with all three credit reporting agencies and all that was done was they responded with " we've updated the account to Closed '' ... ..The account was closed in XX/XX/2016 and we are disputing them still reporting it when after XXXX years from he first negative pmt it can be removed from your report. 
We have called this company and they can not give us any information regarding this matter as the account has been closed since 2016. Santander should remove this from my credit report since it has been seven years, but they are refusing to do so, or have any contact with us to explain why they are not removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: United Shore Financial Services, LLC
State: MD
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 am filing a complaint regarding inconsistent reporting and incomplete documentation procedures at XXXX XXXX, XXXX XXXX / United Wholesale Mortgage that led to an incorrect credit reporting regarding my mortgage payment history. On XX/XX/XXXX, I requested relief under a Disaster Forbearance Plan due to the direct effects of Hurricane XXXX. At the time of the call, I was offered the option of deferring the 3 months of forbearance to the end of my mortgage. I immediately resumed payments after the 3 months of forbearance ( Attachment 1 ). In XX/XX/XXXX, I was notified that I had been placed in a Loan Modification Program and was requested to complete an online application. I was offered no other option ( ie the deferral I was originally told about ). Although I disagreed, I followed the process as instructed. UWM maintains that the Loan Modification was approved on XX/XX/XXXX. I did not receive a paper copy of the agreement, did not receive a call regarding the approved modification and the modification was not reflected in documents or balance due on the UWM online portal. On XX/XX/XXXX, I called to make a payment and was not notified of the modification. On XX/XX/XXXX, I contacted UWM regarding calls I had received to contact them ; the representative did not inform me of the loan modification. On XXXX XXXX, XXXX, I was advised that a load modification was in effect and immediately paid what the representative stated was the balance due. At this point, without notifying me in writing, sending an email, or explaining over the phone, I was withdrawn from the modification. My balance due on the UWM portal during this entire period was {$0.00}. UWM relied on mail communication only to pass very pertinent information regarding my mortgage and its terms of the modification. Due to military transfer, we sold our home in XX/XX/XXXX and purchased a new home. During the process, documents were issued by UWM stating that I was not delinquent in payments ( Attachments 2, 3 ). During a phone verification conducted by my new mortgage company, UWM stated that I had not been delinquent in payments. Upon closing my loan with UWM, delinquencies were reported to the credit bureaus stating that I was 60 days late on payments, dramatically affecting my credit rating. As I am an XXXX XXXX military member, we frequently transfer. My credit rating is the primary means by which we secure affordable housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/21 I deposited a gift from a family member, Chase Bank placed a hold on the deposit. This would be fine but they have additionally froze my account. This is my only bank account. All my paychecks bonuses and money are in the account. 

I am unable to pay my rent, buy food for my family or pay essential bills. I called chase on XX/XX/21 requesting we discuss resolutions, I was told that the only option was for me and the maker of the check to both present ourselves to a bank teller at a branch with two forms of ID. Before I got this answer however I was hung up on 3 times, and spent over 5 hours in hold. I asked the bank what branches would be open or where we could do this, they were unable to promise me where I can make an appointment or when I could meet with someone. 

I offered to have Chase Bank to speak with the maker on the phone and they refused. I asked that they verify with XXXX XXXX, they said that was against their policy. I spoke with XXXX XXXX representatives who indicated they would gladly work with Chase. They told me they had transferred all funds to Chase Bank already. This was bad enough that the representative as XXXX XXXX also indicated she would be filing a complaint. 

I attempted to explain to the bank that they were literally holding all of my assets and I needed some of my money. The bank refused to offer any other solution or to work with me. They said they would unfreeze my account in 10 days. By that time I will be facing potential eviction, damage to my credit score, fees with credit card companys, additional interest on loans and late payment fees. 

I am at a loss for what else to do, the bank essentially took all my families money and left us to starve for 10 days over the holidays. Keeping funds unrelated to check deposit frozen because it is their policy. 

To me this seems like theft, and I am left without anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I order an airline ticket thru XXXX of the amount of {$1200.00} I attempted to open a disrupt thru my credit card company to get refund, but I wasn't properly serviced by Chase. 
Chase refused to fully investigate the incident and issue refund as it should. 
I attempted to dispute the charge with XXXX which agreed to refund my money according to their policy and federal regulation rules during COVID. 
I was approved by the US DOT to order justly to refund my money still merchant is not willing to refund my money. 
Chase is also neglecting my request to get refund as I am entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: NY
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 six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX i sent a mail to the XXXX, XXXX  and transunion regarding identity theft and still have not receive a response yet. Its been over 45 days. I recently check my credit from XXXX and i notice the fraudulent accounts are still on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. When i contact the 3 credit bureaus again, i was told to get an FTC report. I have attached my ftc report with my drivers license and social

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 2021-06-16
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. The following year and every year since then I have had to have a pin to complete my income taxes. After working for years to build my credit back up, I get a XXXX point deduction and was told it was from a medical bill that I had no knowledge of. When I contacted the debt collector, they rudely told me to get the proof and we will go from there. I said, well what is considered " good enough '' proof? I wasn't given a direct answer and still don't know where to turn.. I do have enough money to pay it, but the fact remains that it is not my debt and money is very tight due to work slowing because of the covid-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Account status incorrect

Complaint:
The following accounts was charged off XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXXXXXX XXXX  XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account number : XXXX Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Servatus Corporation
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:
Ive had issues with my identity being stolen and there are several collection accounts I have tried for years to have removed. One from XXXX XXXX XXXX and two from Credit Corp Solutions. I have filed police reports on the accounts but company and reporting agency verify them as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: JPMORGAN CHASE & CO.
State: LA
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:
I, XXXX XXXX, a federally protected consumer, am filing this complaint against JPMCB Card Services and there is no third party involved. I have sent out a letter as well to JPMCB Card Services mailed certified XX/XX/XXXX. JPMCB Card Services is in violation in regards to the information that is being furnished on my consumer report. I, the consumer, never gave JPMCB Card Services any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries from JPMCB Card Services are fraudulent. I did not initiate, authorize, benefit from, nor consent to the listed inquiries and I DEMAND they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. 1. JPMCB Card Services : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These fraudulent items on my consumer report are preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If JPMCB Card Services can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be removed from my consumer report within FOUR ( 4 ) DAYS! If my demands are not met, I WILL HOLD JPMCB Card Services CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO JPMCB Card Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX INQUIRIES : 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 2021-06-16
Company: BBVA FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My wife and I were both customers of the online bank named Simple that was backed by BBVA. BBVA was, I believe, acquired by XXXX and decided to shutter Simple. We were informed all of our accounts would be converted to BBVA or need to be closed. As soon as a new financial institution was chosen ACH transfers were initiated and were completed. I began what turned into multiple attempts to contact BBVA to close both of our accounts as well as our joint account. Three days in a row I sat on hold for WELL OVER an hour ( the first day I called multiple times and the results were the same ) while consistently told my time was important to them. Each time the line would eventually pick up ... only to drop the call and hang up on me. This same process happened the week following as well. Given my accounts had clearly been emptied and they weren't concerned enough to properly staff I gave up expecting that they would simply close the accounts. 

I've since received overdraft fees ( which would not exist were I able to close my accounts ). I again attempted to call but now BBVA will only answer calls during normal business hours. Given that I work during those hours as well that's not feasible. Even if I could find the time to do so it would be at my expense during MY business hours. I do not have an online account with BBVA as I never intended to be their customer. 

Frustrated, I sent a certified letter via USPS instructing BBVA to close both my account as well as my wife 's account. This was received by BBVA as can be confirmed with USPS tracking number : XXXX. 

As they continue to harass me with mail I would like to let BBVA know that we know that life gets busy and the unexpected happens. They can contact me after XXXX CST to the phone number they would have on file. Their failure to complete a conversion process for myself and many others ( per the non-stop string of complaints visible online ) is not my fault. THEY are a BANK. This involves peoples finances which include things like ensuring they can pay for medical care, cover their mortgage, and all the various things we rely on banks to provide. BBVA failed their customers ... of which we never intended to be. We were Simple customers and attempted to leave per the methods THEY informed us to take. I simply refuse to expend additional personal time ( at MY financial expense ) on something that was not of my own doing. I attempted to close accounts as I was instructed to do so. My accounts were empty. We took every reasonable action AND BEYOND to prevent and further STOP additional actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.

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