BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: DE
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:
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 2020-03-05
Company: Clarity Services
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:
The U.S. Department of Justice ( DOJ ) filed the actions on behalf of the FTC. In both of these cases, XXXX and XXXX violated consumers ' privacy by calling people who specifically had asked these companies not to call them again, said FTC Chairman XXXX XXXX. 

XXXX XXXX XXXX XXXX  bill

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TFS FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an HELOC account with Third Federal with a balance of {$190000.00} as of XX/XX/2023. My monthly payments fluctuate and have been increasing because the interest rate is not fixed and has been increasing. The last payment due for XX/XX/2023 was {$1300.00}. 

I applied for a new {$190000.00} loan to replace the current loan with a XXXX XXXX on XX/XX/2023. The monthly payments for the first five years would be reduced to {$1200.00}, and there would be no closing fee because of my existing loan with Third Federal. 

On XX/XX/2023, I was told that my new loan application was declined because I dont make enough money to pay the new loan. I requested the loan officer and a manager from Third Federal to reconsider my application. I was told that if I were to lower my monthly payment, I could only do it by extending my current loan.

The reason that Third Federal gave for declining my new loan application does not make sense to me. If I can afford to pay {$1300.00} per month on my current income, I can afford to pay {$1200.00}, which is almost {$100.00} less, each month. I believe Third Federals rejection of my application was unjustified and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: VA
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: AL
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:
Unlawful activity was reported on my credit report cause me to not have credit incorrect information was reported an Equifax by XXXX XXXX an XXXX XXXX XXXX debt from me that I have no knowledge sents XXXX never have no knowledge about any account Equifax allow them report this on my credit report I requested that XXXX XXXXXXXX an XXXX XXXX should be removed from my credit report due to cause me to suffer from bad credit they should be removed off my credit report XXXX not who reported this incorrect information reported me deceased illegally state someone reported me deceased I should half to go through this data breach I was exposed never received my settlement check from Equifax lease remove them off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: EQUIFAX, 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:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-01-25
Company: The Best Service Co.,Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX has reported false information on all 3 credit reporting agencies on my credit reports the company has placed and sent my account to an collection agency on XX/XX/2021 to company called The Best Service Company I have payments receipts showing account payments made. The company stated to collection agency no payments were made on the account please investigate this matter. 

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 explanation
Consumer complaint received 2022-11-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I purchased an XXXX online from a social media marketplace. XXXX, XXXX, and XXXX denied the payment due to high level security protocol. The scammer, XXXX XXXX, knew that XXXX through other banks ( not XXXX ) did not have any safeguards and therefore, steered me toward using XXXX. The transaction went through and the scammer gave me a fake tracking number. I have reported to XXXX and XXXX both of which found the transaction to be authorized. The transaction amount was {$450.00} and I received no product in return. After the transaction I communicated my apprehensions to XXXX XXXX and he replied that the phone has already been mailed. He then blocked my ability to communicate with him,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting 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.

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 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 2022-10-05
Company: LendingUSA
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was result of identity theft, I do not owe this debt, have disputed debt but the agency wont remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting 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.

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 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 2016-10-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2016, my son deposited a cashiers check for {$2400.00} into his Chase checking account. On Monday, XX/XX/XXXX the funds showed up in his account as available for his use. On Tuesday, XX/XX/XXXX he transferred {$1600.00} into my Chase checking account. On Wednesday XX/XX/XXXX I was notified by Chase that the funds were in my available balance, and I removed those funds in order to pay for something. Later that same day, the Chase Bank notified my son that the check had actually bounced, and so they deducted the amount of {$1600.00} from my account and his account. The issue is that the bank had a cashiers check for 4 days, had 4 days to check the validity of the check, made the funds available to each us, which in our minds meant that the bank had thoroughly checked it through, and then after all of that did not take accountability when they discovered that the check was not valid. Our issue is that we did not ask them to loan us money based on that check, we trusted them to be able to tell us if the check was good or not. This is really what we pay them for, and they should be accountable and liable for giving us money when they told us the check was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am appylying for a mortgage refinance with my existing mortgage lender - Wells Fargo Bank about 2 months ago. 
I was initially asked to pay {$540.00} for a full appraisal which i did pay, however during the loan processing i was advised that a rapid appraisal for {$80.00} will suffice. 
I asked the bank to refund the difference to my credit card but they insisted that the difference will be applied to reduce my loan balance. I have escalated their decision stating this is a fraud and forceful extortion of funds from me. My loan is in and has always been in good standing and i am shocked by this financial malpractice and now i am part of the victims impacted by the unprofessional customer experience of Wells Fargo which has led to many law suits against the bank. I will not hesitate to join in a legal complaints against the bank. 

I need the difference between the excess funds i paid and the actual amount i.e {$460.00} refunded to my credit card account and NOT applied to mortgage account. 

Appreciate your prompt resolution.. 

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 explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did a online application for a line of credit with XXXX XXXX I did not receive any confirmation of my application I called XXXX XXXX I called the company and they could not find my application in thier system even after taking my SS # and date of birth. 
I then get an email that I was turned down for a loan that was never processed in the system and they did some kind of verification through Clarity Services in Florida they refused to give me a credit report. The information on the email just said " Hi '' and that I was turned down due to bad credit income not in good standing and many collections. Since this Clarity Services was suppose to be a Experian subsidiary when I checked my report with Experian which I do often due to a " paid '' account I have with them none of this negative information is true and the they had not check my information the company XXXX  still could not find me in their system and the report was very inaccurate. After looking up XXXX they have a " F '' on XXXX  and a rating of 1. on XXXX XXXX  I want this company to not only send me a report but also explain how you gon na send me a email on a non existent application. I do not need my credit damaged by a false 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 2017-12-18
Company: Credit Protection Association, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is electric bill under my ssn for XXXX XXXX XXXX XXXX, NY. I have never lived at this location. I contact the management company and because this address is public housing, tenants do not pay all bills are included in the rent. I called the company and I was not given any information about this account and the representative was not able to provide and reason, dates, or explanation as to how the company received my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting 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 am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have submitted a FTC prior to this complaint but the inquires still remain reported and not open for dispute I have attached the items I would like to dispute below as well as the copy the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have never been associated with the social security ending in XXXX that is furnished on my report as well as inquiries below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A 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 2023-08-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Sir, I am writing to bring to your attention an issue I've been facing regarding an unauthorized hard inquiry on my Equifax credit report, dated XX/XX/2023, allegedly initiated by XXXX XXXX 

I took the initiative to engage with a representative from XXXX XXXX to address this matter. So they confirmed that I do not have any active products or affiliations with their institution, making this inquiry entirely unwarranted. 

Subsequently, I completed the dispute form provided by Equifax, requesting the removal of the unauthorized inquiry from my credit report. Regrettably, I received a response after a week indicating that their decision was to maintain the inquiry unchanged. 

Dissatisfied with this outcome, I reached out to an Equifax credit report representative, who advised me to take the necessary steps by filing a complaint with the FTC XXXX Federal Trade Commission ). Following this guidance, I am currently in the process of fulfilling the FTC report requirements. 

I am writing to kindly request your assistance in resolving this matter once and for all. It is my fervent hope that you can intervene and facilitate the removal of this unjustified hard inquiry from my credit report. I understand that your expertise and influence in this area can greatly expedite the resolution process. 

Thank you very much for your attention to this pressing matter. Your prompt assistance will not only alleviate the stress I've been experiencing but will also reinstate my confidence in the credit reporting system. I eagerly await your favorable response. 

Best Regards, XXXX

Company response to consumer: Closed with explanation