BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Experian Information Solutions 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:
See original Experian 's disputes with Report Number : XXXX for XXXX XXXX XXXX XXXX Credit Card XX/XX/XXXX Closed Charge-off XX/XX/XXXX Balance {$6800.00} which was deleted. Then why am I still having another XXXX XXXX XXXX  XXXX Credit Card XX/XX/XXXX Closed Charge-off XX/XX/XXXX Balance {$6300.00} on my credit report when the first XXXX credit card XXXX XXXX was deemed already fraudulent even though it's different account? It's the exact same issue which was fraudulent and Experian already deleted/blocked one of XXXX from my credit report. Moreover, regarding dispute Report Number : XXXX for XXXX XXXX XXXX XXXX for {$10000.00} which was deemed fraudulent by Experian. Hence, Experian has also blocked/deleted from my credit report. Then why is Experian NOT consistent by deleting/blocking XXXX XXXX XXXX XXXXXXXX for {$1400.00}?

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 2023-05-15
Company: EQUIFAX, INC.
State: DE
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 disputed these items they are not mine and I need them removed now. I have excellent credit but this company is reporting false information on my credit and won't remove it. The companies that I am requesting to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I NEED THESE ACCOUNTS REMOVED IMMEDIATELY. These are not my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: JPMORGAN CHASE & CO.
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:
Spoke with creditor back in XX/XX/XXXX and XX/XX/XXXX in  regards to removing the fraudulent hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Creditor stated that they would remove all inquiries and till date it still shows up on all three creditor report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Westcreek Financial
State: KY
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 XXXX/XXXX/2023 I noticed a west creek financial account on my credit report. I have never applied or had a west creek financial/ XXXX lease or applied for one. This has happed once before with an XXXX account. I believe my information has been leaked and scammers are buying stuff online with my information. Theyre saying its for a gaming computer from an online store. Ive never applied or even looked at gaming computers. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: IN
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:
Subject : Urgent Request to Rectify Violations of the Fair Credit Reporting Act Dear Sir/Ma, I hope this email finds you well. I am writing to bring your immediate attention to a serious matter regarding my rights under the Fair Credit Reporting Act ( FCRA ). I believe that your current actions are in direct violation of several sections of the FCRA, as outlined below : Violation of 15 U.S.C 1681 section 602 A : The FCRA guarantees my right to privacy, and it is evident that your recent actions have infringed upon this right.

Violation of 5 U.S.C 1681 Section 604 A Section 2 : The FCRA clearly states that a consumer reporting agency must not furnish an account without my explicit written instruction. It has come to my attention that this provision has been disregarded.

Violation of 15 U.S.C 1666B : The FCRA specifies that a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I have evidence indicating that you have incorrectly categorized a payment as late.

Given the gravity of these violations, I hereby request your immediate attention and action to rectify this situation. I insist that you promptly remove the late payment and any associated negative reports from my account. Furthermore, I kindly request that you update my account in accordance with the provisions set forth in the FCRA.

I trust that you understand the urgency and importance of addressing this matter without delay. Failure to comply with the FCRA may result in legal consequences, and I would prefer to resolve this matter amicably and swiftly.

I appreciate your prompt attention to this issue and expect a written response from you confirming the necessary actions taken to remedy the violations mentioned above. I look forward to a favorable resolution and a restored credit profile that reflects my accurate financial standing. 

Thank you for your immediate attention to this urgent matter. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and are negatively impacting my credit score. I have reviewed my credit report and found several errors that need to be corrected immediately. 

Firstly, there are XXXX XXXX XXXX bankruptcies listed under my name, with case numbers XXXX and XXXX. However, these bankruptcies were dismissed and should have been removed from my credit report. Other credit bureaus have already removed these accounts, but they are still being reported on my report. I request that you remove these bankruptcies from my credit report as soon as possible. 

Furthermore, there are several credit inquiries on my report that I do not recognize and did not authorize. The cases with no case numbers, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX have no relation to me, and I demand that they be removed from my credit report.

Additionally, there are two accounts on my credit report that are listed as having a payment history but are actually charge-offs. These accounts are XXXX XXXX with account number XXXX and XXXX  with account number XXXX. These accounts need to be deleted immediately from my credit report. 

I request that you investigate these errors and make the necessary corrections to my credit report. I would appreciate a prompt response and confirmation of the actions taken to correct these inaccuracies. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted Transunion on XX/XX/18 @ XXXX and spoke with supervisor named XXXX and advised him that i have filed a FTC report and i gave him my affidavit report # XXXX and stated that i was a victim and i wanted to know if the inquires on my report would be removed. Also, explained to him that i was apart of the XXXX and Transunion security breach and i just wanted them to help me. Also, there is a 7 year fraud alert on my report for my security. He stated the he could not remove the information because the FTC affidavit does not show any dates, and that Transunion has their on in house policy if they will accept documents. I asked him what the policy was and he stated he could not share that information with me. I am so disappointed and seeking assistance with getting my issues with Transunion resolved. I have certified letters, and fax confirmations that i have sent them on numerous occasions and still no help.

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 2022-11-06
Company: Experian Information Solutions Inc.
State: MS
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 see documentation attached. I have tried to get this dispute solved/corrected and remedied. The company, XXXX XXXX XXXX XXXX XXXX, has ignored my efforts and left me with uncertainty and confusion. This is causing hardship to me and my ability to obtain credit because of their consistent reporting/furnishing of negative information to my credit reports ( XXXX, XXXX, XXXX Experian ). I am giving the company an opportunity to cure and remedy this situation.

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 2018-03-20
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Huntington Bank in XXXX, WV is taking me to court over a checking account that was closed 7 years ago, they are saying the account was closed due to being overdrawn and they were assessing daily interest they are requesting a judgement of over {$1200.00}. I have received no calls, no bills, nothing in 7 years. I am working on student loans and with a consumer credit counseling agency currently as well as have had loans within this 7 year time and have a checking account I have never been told I owe this bank money until Im taken to court. I have not been contacted by the bank or heard anything of this until a process server contacted myself and also my father and scared both he and I. I have not received a call, a letter, nothing! is there not a statue of limitations? This was not a credit card but a checking account? Why havent i received a statement? Or a notice?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Capital One : As of today is claiming that I owe them, The account stated that its a charge off which mean the creditors already received a tax break to this account so there shouldnt be a past due amount reporting to my credit file. Not only that the inaccuracy reporting to my credit file is hurting my credit file the reporting inaccurate balance, open and reported dates, This ground for removal. The account was a secured credit account which mean money was given to capital one to secure the opening account which was {$200.00}. They states I owe them but how if that possible when I never took money from capital one. Plus I was never notified attempt to collect debt they just flag my account. This account was close due to misleading charges and fees with this bank service. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a XXXX XXXX card holder since XX/XX/XXXX. It is serviced by CitiBank now. I have never failed to pay my bill. 

In XXXX of this past year, CitiBank alleges I signed up for e-statements. I did not - if anything occured, it must have been a default setting where you receive e-statements unless you unclick a box. I do not receive e-statements for other credit cards because these emails go to spam and I don't check my email as it is full of advertisements and junk. 

I charged {$18.00} in XXXX of this year to my card. I have never received a bill or a written notification. Today, XX/XX/XXXX, I logged into my email account to check a shipping notice for a XXXX item, and there happen to be an email from XXXX XXXX. I thought it was a spoof as I new I had not used the card recently and the email stated I owed {$110.00}, but I called Citibank to check. 

Today Citibank stated I owed {$110.00} due to interest and fees for the {$18.00} charge. Citibank offered to reduce the bill to {$72.00}, one month 's charge and interest. I did not even know I was enrolled in E-Bill. I have never paid late on a paper statement. I believe it is an unfair practice to " quietly '' enroll someone in e-statements, without any paper notice in case this was a mistake. Then, citibank is charging me {$100.00} in fees for an {$18.00} purchase without a single notice sent to my house. 

My credit rating is excellent and I do not have a history of missing payments. I did not choose e-bill enrollment and believe that Citibank auto-enrolled me. I should not have to pay late charges when I did not ask for E-Statements.

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 2022-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive paid the agree amounts to discharge the student loan debt but company refuses to up hold the agreement arrangement. It was paid and removed only to return as a paid/closed and sold the paid account to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive paid the agree amounts to discharge the student loan debt but company refuses to up hold the agreement arrangement. It was paid and removed only to return as a paid/closed and sold the paid account to 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 2018-03-20
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reopening case # XXXX and XXXX. Please note that the company has not delivered on anything that they promised on XX/XX/XXXX. I just checked my credit report today ( XX/XX/XXXX ) and they have not removed the delinquency from XX/XX/XXXX to XX/XX/XXXX. I also never received the relief amount ( though I don't care about that ). I would rather that they stay true to their word and remove the delinquency that they promised. You have the proof from their last reply.

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 2018-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was looking online to purchase tickets for last minute flights today XX/XX/XXXX around XXXX XXXX PDT. I found someone on XXXX who had a XXXX buddy pass for {$150.00} and called him at XXXX at XXXX. He went over the flights times with me he told me I would have to pay taxes and fees on top of the {$150.00} for a total of {$210.00}. He claimed he was going to give me his XXXX login & XXXX number to complete the purchase, but he needed to charge his phone and call me back. He called me back at XXXX and asked for my email to send the itinerary and gave me his email to send my payment through XXXX ( XXXX ). His email XXXX. We sat on the phone as I processed my payment and he confirmed receiving my payment ( conf XXXX ). He asked me to stay on hold while he emailed me his login info to complete. I sat on hold for 15 mins before I hung up and tried calling back. He never answered. 

I immediately called Wells Fargo ( XXXX ) and they informed me that because I initiated the transaction they could not help me. I proceeded to tell them that if I made a purchase with my debit card that they would protect my purchase. Now because I transferred money they should still be able to protect my purchase. He apologized and suggested that I call XXXX XXXX XXXX because the email address is associated with their bank and they would be the ones to look it up. He gave me the transaction information to confirm and I thanked him and called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me that was not right, and my bank should be able to contact them through their merchant bank and let them know the transaction details to contact the person associated with their bank with there account information. She advised me to call Wells Fargo back so they can file a claim. 

XXXX I called Wells Fargo back and this time I was informed by XXXX that they can file a claim, but since the charge is pending I may have to wait and call back tomorrow. She placed me on hold for 15 mins to try to figure out what other options they may have. She informed me that the only thing I can do is to file a police report because the transaction is complete. Another 15 minutes go by. She tried to submit a claim and her floor leaders told her the " correct information '', which was to file a police report. I let her know that XXXX XXXX XXXX TOLD me that Wells Fargo could contact their merchant bank to file a claim. She placed me back on hold to ask her floor leaders. 2 more minutes go by and she comes back and says they are creating a case for XXXX XXXX XXXX and confirmed my contact info. I was told they were making a claim investigation would and it could take 10 business days. I would get a provisional credit and they would contact me to let me know either way what the results are. 
My Case ID 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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain. I haven't received the results insisted upon although I know that you've been receiving the letters sent. I noticed that you weren't even investigating and you completely ignored my disputes even though the law requires you to do so. Now I have sought the advice from an attorney. He mentioned the FCRA and I'm fully aware that I have a right to disputeany questionable items or information reporting. And I also know that you are required to conduct a reinvestigation as required and that you have a period of 30 days to conduct it. He stated accordingto Section 611 ( a ) ( d ), I demand that these items be reinvestigated & deleted from my credit report. Section 609 states you NEED to provide proof of theaccount disputed and questioned form a document with their name on the letterhead. Why are the documents not presented here when asked as you continue to ignore my demand? It is your duty to update and correct information. Failure to do so, will result with another meeting with my Consumer Law Attorney to enforce my consumer rights legally.

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 2023-03-20
Company: EQUIFAX, INC.
State: NC
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: FORD MOTOR CREDIT CO.
State: MO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I applied for auto loan with Ford credit and refused give me a loan. As I legally changed my name and brought all papers from the court. They refused to talk to me, they refused all legal paperwork. They keep given different reasons, the financial director at the Ford dealership pulled my credit report and he was showing as my credit score at XXXX. At Ford financial they said, that they are not showing any scores at all. They refused to give me any reasons at all, as well as show where I am showing XXXX credit score.

Company response to consumer: Closed with explanation