BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws, i showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681i ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have no respect for the laws Someone needs to hold them accountable for this

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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 account name XXXX XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX Account number XXXX XXXX open XX/XX/XXXX XXXX Inquiry name XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry name XXXX Inquiry date XX/XX/XXXX XXXX Inquiry name XXXX XXXX Inquiry date XX/XX/XXXX - [ ] 15 U.S.C 1691 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 2024-01-19
Company: LJ Ross Associates
State: IL
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:
I am a victim of identity theft. My personal information was stolen as a result of the XXXX breach of XX/XX/year>. There are several items where I am not familiar with, countless of inquiries I did not authorize and this had brought adverse action against me and my credit score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, BK OF AMER add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-12-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit 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:
Previous complaint XXXX XXXX XX/XX/XXXX I had a flight from XXXX and XXXX during XXXX XXXX. It was booked using my spouse 's credit card ( Wells Fargo CC ) during XX/XX/XXXX. It was booked on XXXX XXXXXXXX already took the entire money and charged for baggage. Due to XXXX XXXX, one of the leg of flight was changed to XXXX. Our baggage were checked-in for the entire journey but still XXXX charged us for the bags in XXXX. It was me and my kids flying. We were charged more than {$800.00} for this on XXXX XX/XX/XXXX in XXXX. Made several complaints to XXXX and XXXX for the refund. Once the originating airlines charge for the baggage - in between airlines never charge for it. Later I opened a dispute with Wells Fargo bank and uploaded all the documents - explanation and all the documents. Still Wells Fargo is doing back and forth emails and calls and haven't initiated the dispute with XXXX or XXXX XXXX. wells Fargo is just too big and unorganized and inefficient. Left hand doesn't know what right hand is doing. Very poor hiring standards. Today I talked to Wells Fargo supervisor XXXX employee id # XXXX about the same. Dispute IDs : XXXX and XXXX I see that Wells Fargo is able to resolve only one such transaction but not both of them. There are two transactions in dispute with XXXX, {$380.00} each. 
On XXXX XX/XX/XXXX- did a permanent credit but it should be two credits of {$380.00} each.

Wells Fargo please don't keep on calling. Everything is mentioned in this complaint - you need to read it and follow it - I can not keep on spoon feeding you. Overall Wells Fargo has some real low standards in terms of hiring - that even simple english stuff they don't get it and keep on buying time in unnecessary follow ups.

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 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX has been on my credit reports for months. XXXX and XXXX have removed the debt as XXXX XXXX has refused to send me a validation of debt per my letter to them. Trans Union is the only company not respecting the laws and cease and desist despite numerous attempts along with XXXX XXXX. I've attached the signed certified green card from XXXX  showing they did receive my letter AND the letter attached to Trans Union to remove it.

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 2021-05-21
Company: EQUIFAX, INC.
State: NJ
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: MO
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: Their investigation did not fix an error on your report

Complaint:
I am writing to check from your end if you have either received or not my previous letters via mail and via CFPB? It seems that I havent obtained any resolution from you guys with the result of my request for reinvestigation and the removal of all the disputed negative items. I have already told your department a couple of times about these inaccurate and misleading accounts below that they should be automatically removed since they werent supposedly issued on my credit report in the first place.

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 2023-08-15
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The last complaint i made in XX/XX/2023 was not resolved. The company responded on an attachment that would not open. 

This is a response to complaints XXXX & XXXX in which we felt that we were given an incorrect payoff amount and charged grossly injust late fees and extension fees. In addition, there were seveal unapplied payments that have not yet been reimbursed. There was also an issue with the escrow account in which BSI recorded that they paid the outstanding taxes out of escrow in the amount of {$12000.00}, but we have provided proof that they only paid {$10000.00} to the tax authorities. The difference owed to us is {$2600.00}. They did state in their last response that they did miss the unapplied payments, and I am assuming they are going to refund those payments for {$6800.00}. We are asking for confirmation on that refund and an expected time of delivery. We are also asking for the unpaid taxes to be refunded to us in the amount of XXXX. That will be a total refund of {$9500.00}. We still feel that the unjust and deceptive late fees still need to be reviewed, but this complaint if focusing on the unapplied payments and the under paid taxes. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect personal information on my consumer 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at : 1. My Address : Please be sure that my address is listed correctly, My address should XXXX XXXX XXXX XXXX, PA 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 2023-11-15
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-15
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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for XXXX XXXX HELOC. This account was also verified with Equifax Mortgage Service and me on the phone and XXXX XXXX stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX XXXX XXXX added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late payment fee. I have been working with XXXX XXXX HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and XXXX XXXX is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. XXXX XXXX is one on the worst organizations I have dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CITIBANK, N.A.
State: AZ
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: Their investigation did not fix an error on your report

Complaint:
BEST BUY DESTROYED MY CREDIT FOR {$27.00}... 

I had a great credit score over XXXX, a Best Buy credit card with a credit limit of $ XXXX available, that had ZERO money owed on it! Because of a perfect storm ( moving/computer hack/email hack ... resulting bank account closings/openings ) I received late charges for something I did not know I had ... causing my good credit to drop to the XXXX XXXX XXXX 

FACTS : -- I have since found out ( XX/XX/2023 ) that I owed {$27.00} ... that went up to {$54.00} (? ) in late fees. ( immediate payment to fix this did not go through ... because of the above perfect storm, I changed banks /cards EVEN THEIRS! and they charged it through my old bank account that they had on file ) -- I did not know it didn't go through until XXXX, and paid it again then. 
-- I have had $ XXXX avg in my checking account well before the issue for well over XXXX ( I can supply documents ) ... I could have paid {$27.00} at any point. 
-- I pay my bills on time ( see : over XXXX credit at the time ) ... and I had no idea I owed this amount. 
-- Looking back, I still don't believe I owed this amount in the first place. I found out that it was a jump drive for {$27.00} ... I believe I took that back, and then bought another one for {$16.00} because I didn't need that 'size '' to recapture all my files from the hack. 
-- I don't believe I got credit for the return. 

I don't have a receipt for that jump drive ( who would ) like I said, I think I returned that one in dispute anyway.

Thank you.

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 2023-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I called Chase Bank XXXX department to report unauthorized transactions taking place with my checking/savings account and Chase debit card. Someone in the state of Florida ( I live in California ) was able to transfer {$5900.00} from my savings account to my checking account and then proceeded to order a new debit card, change my home address, email address and cell phone number. They later used my debit card ( not the new card ) which I had in my possession to make over $ XXXX in XXXX XXXX transactions and $ XXXX in ATM withdrawals. This person would go to different XXXX 's in the state and make a small purchase of under {$20.00} for each transaction and would request {$100.00} cash back each time they made a purchase. They did this about XXXX or more times throughout XXXX different XXXX 's in the state of Florida. They were able to use my debit card and my PIN number. 

On XX/XX/2023 Chase bank denied my claim reporting they found the transactions were processed according to the information I provided or was authorized. I later called the bank and was told to contact XXXX in the state of Florida myself were the transactions took place and to file a police report. On XX/XX/2023 I resubmitted a claim to reopen the denied fraud claim which was denied again on XX/XX/2023 ; reason being transactions were all authorized! They did however on XX/XX/2023 agree the ATM withdrawals were incorrect and I was refunded {$730.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Examine the attached documents ; I urge the bureau to begin an investigation into these accounts, falsely reporting me as late despite my timely payments.

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