BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I reviewed my credit reports with all three major credit bureaus and discovered there were fraudulent accounts on my credit report. I am positive that my credit file is mixed with someone else with a similar name due to varying names on my credit report. I researched how to accurately remove the items and wrote three dispute letters to each credit bureau with affidavits and the supporting documents. I mailed each letter via certified mail with tracking numbers and gave it the appropriate amount of time according to the Fair Credit Reporting Act. Each credit bureau has 30 days to investigate and update and/or delete the disputed items. When I checked the tracking all items were still in transit and last reported in the city for each credit bureau.  XXXX PA, XXXX, GA and XXXX, TX. In the month of XX/XX/XXXX, I reviewed my credit reports and noticed 2 of the 3 fraudulent items had been deleted from 2 of the 3 credit bureaus. I completed another dispute letter, an affidavit and supporting documents for the remaining  fraudulent items for tracking XXXX, XXXX and XXXX. The listed certified tracking numbers were delivered on XX/XX/XXXX. This process has cost me another {$77.00} by this point and countless duress during my XXXX right now. It has been more than 30 business days again and there has been zero correspondence with each credit  bureau. I sent an additional manual dispute with affidavit with tracking XXXX and it was delivered XX/XX/XXXX. These fraudulent items need to be deleted from my credit file since 2 of 3 bureaus have already completed the process and updated my reports. I am trying to move into a bigger home at the end of this month (  XX/XX/XXXX ) before I have my daughter and it is imperative this is completed to prevent further duress during this XXXX even more with COVID-19 going on. I am filing a formal complaint with the CFPB today to get this matter resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had no knowledge of these accounts. I did not sign any contracts with any of these companies Listed below. 

XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Attached are the FTC reports .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section .611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been over 60 days so they should have Been deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX date breach and may have got into the hands of the wrong person.

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 2021-04-13
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Express has continuously been contacting my ex husband looking for me even though we separated XXXX and a XXXX  years ago and our divorce was finalized over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL NAMES listed are NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- - ALL addresses listed are NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Potentially Negative Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Account Type XXXX  Loan Balance {$4900.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - DisputXXXX XXXX XXXX XXXXXXXX. 
XXXX Potentially Negative Status Account charged off. {$160.00} written off. {$160.00} past due as of XXXX XXXX. 
Account Type Credit card Balance {$160.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXXXXXX XXXX Potentially Negative Status Account charged off. {$470.00} written off. {$220.00} past due as of XX/XX/XXXX. 
Account Type Credit card Balance {$220.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXXXXXX Potentially Negative Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$1700.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Account charged off. {$550.00} written off. {$820.00} past due as of XX/XX/XXXX. 
Account Type Deposit Balance {$820.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX Paid, Closed. 
XX/XX/XXXX XXXX XXXX XXXX Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX < -- - ALL accounts listed are NOT MINE. FCRA violation reporting wrong information in my account, FCRA requiries 100 % accuracy this is unlawful and unjustice to do this to my report causing major damage to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: SYNCHRONY FINANCIAL
State: UT
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:
Discount Tires is incorrect information I did not have two late and I only owe them {$300.00} and also XXXX  is not reporting correctly the amount that I owe and I have not been late with them either and XXXX  credit is also not late.

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 2023-07-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: KY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an online acct with bbva and im locked out of my acct. Someone must have hacked my acct because the recovery phone number was changed. Ive called at least 7 time and spent hours trying to get my acct back that has all my money. I told them the debit card was gone. They will not even block my acct or turn the card off. I need help. They say i have to drive to central fl where there branch is to prove im me. I can answer any? Or verify whatever they want. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Received post card on Monday, XX/XX/2018 advising of a NSF fee charge of {$38.00} on XX/XX/2018 for payment of check number XXXX for {$50.00} with a balance of {$44.00}, see attached image. 

I have reviewed my account online. When the check cleared the balance was {$210.00}, see attached image.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, 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:
XXXX XXXX showed we were pre approved for many cards and loans. We clicked on the items and it turns out we werent pre approved. Now we have a lot of hard inquiries which is hurting our score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$2700.00}

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 non-monetary relief
Consumer complaint received 2019-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX XXXX am writing a complaint on SPS because they called my homeowener insurance company XXXX XXXX on XXXX XXXX. SPS told my insurance company to send me a threatening letter about charging me doubling insurance because I refuse to do a short sale. SPS also told them to cancel my homeowners insurance policy because they wanted all the furniture and personal items in my house to be lost/stolen and would not replaced. Finally they told XXXX from XXXX XXXX/Investor to come by house to tell me to get out. Please verify with XXXX @ XXXX I have called the police on XXXX. If SPS sends XXXX and any other mortgage company I will send the authorities to SPS Inc. in XXXX XXXX XXXX UT. I want the foreclosure sale date stopped or I will file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
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:
XXXX5 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company, this is not even a real company name. it says medical that is a HIPPAA violation XXXX XXXX Collections - summary Equifax XXXX XXXX Account Number XXXX Original Lender Agency Name XXXX Date Assigned XXXXXXXX XXXX XXXX Original Balance {$100.00} Current Balance {$100.00} Responsibility Individual Status Unpaid Comments Consumer disputes this account information, Medical

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PRIOR TO SPS XXXX SERVICED THE LOAN NOW THAT SPS IS THE SERVICER THEY WILL NOT ACKNOWLEDGE MY INCOME AND ARE BASING THE MODIFICATION PAYMENT BASED ON A HORRIBLE VALUATION OF MY HOME BY DOUBLE THE VALUE WHAT THEY DO IS DEFINITELY NOT SPS DO NOT CONTACT ANYONE TO DISCUSS THE MATTER THREATENING WITH FORECLOSURE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt that does not belong to me. I have applied nor utilized services with this account. The information appears to be inaccurate and I wish to address this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX Balance XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX  XXXX Balance : {$1400.00} XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX  XXXX Balance : {$6500.00} XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this complaint because I wrote to experian in regards to accounts that are reporting on my credit as inaccurate and/or as violations of the fcra. They have ignored my request for deletion of all accounts with inaccuracies and violations. Please resolve this as soon as possible. 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 2017-12-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been banking with Chase bank for many years back when they were Washington Mutual. I work late in the evening so I do most of my banking online and through ATM 's. On Saturday XXXX XXXX. I made a deposit in the lobby of my local Chase bank for {$940.00}. The machine malfunctioned and gave me a receipt saying I deposited {$80.00}!!. I immediately freaked out looking for my money in the return slot and nothing! I immediately called Chase claims and asked what I should do. I did not want to leave the machine for fear my money would come out. The representative assured me they had cameras so if anything like that happened it would be OK. She put a temporary credit on my account and said they would investigate. 2 1/2 weeks later I receive a letter saying they completed the investigation and they would be taking the {$860.00} back out of my account!!! I called claims and they were no help. They just told me the money was not showing in the report. I was furious and so upset. I demanded they check the cameras and give me a copy of the tape. They said they would only do that if I had a subpoena. I went into my local branch and asked for their help. They escalated this to another office who did a review and denied the claim again. I asked for a manager and they said they would have to have one call me back and NO ONE has even had the courtesy to return my call. I have banked here for years. I have a personal account, a youth account for my daughter and a business account. Their customer service is terrible and they have stole my money. I feel so helpless. My money should be safe when I use their ATM but it was n't. They continue to tell me they can not find the money but I feel they are just looking at the report and not going the extra mile to investigate. Did they do another audit of the machine. Did they check the machine again? Did they check the tape? Did they have a recording of the person who took the money out of the machine. I should not be responsible if they stole my money. I work hard for my money and {$860.00} is a lot of money for me. Not only am I out that money but now this threatens to hurt my credit and keep me form opening an account with other banks in the future. Please help me because Chase is doing nothing!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Atlanticus Services Corporation
State: HI
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:
I had my identity stolen by person name XXXX XXXX XXXX from XXXX XXXX XXXX but lives in XXXX XXXX XXXX and another person name XXXX XXXX from XXXX Hawaii USA and made fraudulent accounts like aspire credit card and XXXXXXXX XXXX XXXXXXXX Plus XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation