BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: VA
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:
Someone have got a car in my name and manipulated my information. I am XXXX and have been taken advantage of. Someone keeps opening accounts in my name. I have not opened an car with XXXX XXXX   and am in a bad situation because people keep taking my information and stealing my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23
Company: Experian Information Solutions 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:
In XXXX of 2017 I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency XXXX. The list of disputed accounts on id theft report were deleted..The problem is that XXXX additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
XXXX additionally communicated to Experian and XXXX information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get XXXX to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force XXXX to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of XXXX and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that XXXX has further blocked the re-entry of the accounts.

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 2020-07-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I Had a hard inquiry that i was informed about from experian on my credit and haven't had help to remove it when i was not at fault. I Spoke To XXXX/XXXX  and they said they would remove the hard inquiry by sending an email to experian to recall the inquiry but i never heard back from them. It has been a week now but the hard inquiry is not removed yet which go against what they promised.

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 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern I would like to make this brief. I have contacted XXXX, XXXX, and TransUnion on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.

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 2018-05-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2018, I initiated a funds transfer through Chase.com using a tool called XXXX to my wifes checking account. I have never used the tool before so I initially sent her {$10.00}. She received a text almost immediately stating that funds had been deposited into her account. I then transferred {$500.00} assuming that the transfer had been processed correctly. About an hour later she realized that the funds we not deposited into her account. Despite the fact that I provided the correct information, the funds were transferred to the wrong account. I opened a dispute with both Chase and XXXX. XXXX advised me that there was nothing that they could do and I needed to contact my bank. Chase advised that there was another account that has that phone number. That other account does not belong to XXXX XXXX yet the money was deposited to that account in error. They said that because I initiated the transfer they were not responsible even though they did not accurately verify the information that I provided. Chase did say that they sent the recipient a courtesy email requesting that the money be returned but that they had no response. This error is a result of Chase and/or XXXX not accurately verifying the information that I provided. If you review the transaction history you can verify that the information I provided was correct. Chase executed the transaction incorrectly, but they will not take responsibility for the error. 

If you do a quick search of the internet you will find that there are numerous complaints from people that have had the same issue. While researching this issue I found that apparently it is fairly easy to change the phone number on a checking account and intercept payments made through XXXX because of the virtually non-existent verification process that is used. If one was  so inclined they could change the phone number in their account settings to any phone number. That could trigger XXXX pay and Chase to identify your phone number with the wrong account and any payments made to you through XXXX could go to the wrong account. 

What confuses me most is if she enrolled in XXXX through the Chase website using the link provided to her, how can transfers made to her through XXXX get sent to somebody else?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is current with Seterus Inc., and has been paid on time over the past 9 years. The payment is due on the first ; the grace period is until the XX/XX/XXXXof the month. My payments for XX/XX/XXXX and XX/XX/XXXX were paid after the XX/XX/XXXX but before the XX/XX/XXXX. When receiving the statements, they show a past due amount because the company sends out statements dated the XX/XX/XXXX. There is no past due payment on these statements. When speaking with a rep, I was told this is what the company does and a lot of customers get upset about it. It doesnt look good to get a statement showing past due when that is NOT the case. This could be very confusing to some clients who scramble each month to keep their payments current. They could end up forwarding additional payments thinking theyre past due. The company should be able to change their practice and not send statements out until after the XX/XX/XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I have been using XXXX XXXX for years to monitor my credit score and activity. I noticed on XXXX XXXX there was something that should not have been on the my report. XX/XX/XXXX, is when I started my own investigation and notified all three credit bureaus that my computer had been hacked. And I absolutely did not apply for credit from XXXX or XXXX XXXX on this day. I recently paid off XXXX XXXX and closed the account. Their response is that it takes up to 90 days for it to remove from report, 90 days has passed. Another issue, was with Chase Auto Finance. After repeatedly contacting Chase directly and indirectly they refused to remove my name from auto, that my father refinanced thru them and bought from me. Chase did not show no compassion for the lost of my father, they added pain on top up grief. It took me to file complaint with XXXX XXXX XXXX XX/XX/XXXX. Then and only then is when someone from Chase called on XX/XX/XXXX to apologize for the inconvenience and that my name will get removed immediately from the auto loan. The origin of this story is that my father purchased a car from me XX/XX/XXXX before he passed and I had been fighting ever since, to clear this mess Chase made DELIBERATELY AND INTENTIONAL, to remove it from my credit report as being joint owner b/c the car was not in my possession. Bad Business. MY FATHER AND I HAVE BEEN LOYAL FAITHFUL CUSTOMERS FOR OVER 25 YEARS and remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had a XXXX XXXX with Ally back in XX/XX/2019. At the time of the purchase the finance director tricked and deceived me by adding a lot of aftermarket insurance that never needed, wanted or asked for. When I realized that after 2 months I called XXXX and canceled everything. The process took so long, eventually the car got totalled. Between what I paid, what my insurance company paid and all the aftermarket cancellations Ally was overpaid by {$2700.00}. They only sent me {$220.00}. 

I have been trying to contact them for the pass 6 months, all I am getting is a turn around. I sent 2 certified letters in XXXX, I sent several emails, between XXXX and XXXX, I talked to several people during the same period, I always get the same answer " a manager will call you back ''. Nobody ever bothered to contact me. 

I am going through a rough time right now, I lost one my job, I can use that money to pay some outstanding bills. 

Attached are copies of all the transactions, letter I sent to Ally on XX/XX/XXXX and emails between Ally employee and I. Eventhough, she promised to follow up, she never did and she stopped talking to me after my last email asking her about my follow up. 

They know it will be hard to sue them because they are out of state. 

Please help. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report and to this day 35 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so they should be deleted promptly. Pursuant to 15 USC 1681B ( 2 ) they didn't even have permissible purpose to furnish such information in first place. I NEVER GAVE THEM ANY WRITTEN CONSENT. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
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:
XXXX XXXX XXXX XXXX XXXX is reporting incorrectly to Equifax XXXX XXXX and XXXX a charge-off in the amount of {$10000.00} on the XXXX XXXX CR partial account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle was defective and falls under the Lemon law for the State of California and therefore I am not financially responsible for any of the debt associated with this vehicle. This incorrect reporting of a charge-off is hurting my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo charged me an ACH claim reversal which caused my savings account to become negative. The negative balance in the account was supposed to follow bankruptcy and remove the negative balance. However Wells Fargo did not clear the negative balance in the savings account they caused by Claim reversal. Additionally all the Wells Fargo credit accounts have been discharged. Chapter XXXX as such Wells Fargo needs to properly report these to XXXX  instead of reporting as charge off on the note loans.

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 2019-06-11
Company: Experian Information Solutions Inc.
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:
XXXX, Experian, XXXX  : number of accounts with Delinquency, serious delinquency, length of revolving accounts

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 2020-03-28
Company: Army and Air Force Exchange Service
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX has opened a charge account a credit card account at this place of business under my name using my social security number and my creditials with out my knowledge without my permission without my consent with out any authority from me he has charged multiple purchases on this account acquiring numerous debt under my credit under my social to where debt collectors are persuing methis criminal has a record has past charges of this type of action I have email documents from a previous court preceding showing his actions and how other court systems in Louisiana Georgia and Texas  has ruled against his actions this is not my account and I should not be held liable for 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 explanation
Consumer complaint received 2018-09-19
Company: Experian Information Solutions Inc.
State: MI
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 I have No knowledge of the account information and its inaccurate.I contacted them by phone and the representative hung up on me, once i stated I have no knowledge of account or whatever it is. 

STATE OF MI XXXX XXXX XXXX ACCOUNT ISNT PAST DUE AND IS PAID IN FULL. I contacted them. 

I have inquiries that were made on an auto loan that I never acknowledged nor did i approve of.

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 2019-05-22
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:
Experian credit reporting agency has made it easy for a debt collector to continuously report incorrect information and does not give equal opportunity to dispute it. Case in point, XXXX keeps reporting a " missed payment '' even though the account was closed in XX/XX/2017 ( as the credit report indicates ) and my attorney and I have disputed the debt with XXXX. XXXX has sent letters with inconsistent amounts due. I disputed this and Experian allowed it to remain. When it came up the next month as another " missed payment '', Experian would not allow me to dispute it. Every time any negative item is added to the report, we should be allowed by law to dispute it. In addition, when debt collection is being challenged, it should not adversely impact credit. The past two months, I  have gotten hit with collections reported by an agency I do NOT have and never have had any dealings with. I have no legal obligation to pay that company anything. Why is this allowed to impact me?? It is reported to me as medical collections. However, my husband 's insurance covers any medical issues and that is not my debt and any medical issues were paid by my husband 's insurance. The credit agencies seem to favor the collectors while holding the consumers XXXX and allowing " double jeopardy '' for the same thing over and over. This should not be legal and Experian should not be allowed to adversely impact credit and not give the consumer the ability to dispute it. Also, XXXX XXXX in XXXX hit me with several hard inquiries even though they did not have permission from me to do so. Yet, Experian gives me no option to dispute this online. I feel as if the credit agencies are in cahoots with the creditors. An investigation should be made into whether the credit bureaus get " kick backs '' or incentives from collectors to continuously input inconsistent or even incorrect information and leave the consumer little recourse to fix 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 explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to file a complaint against Experian XXXX. 
What kind of investigations they did because my last letter of disputed that I sent to Experian, they were received on XX/XX/XXXX at XXXX and I received a Disputed Results with Report # : XXXX dated XX/XX/XXXX? only they take four days to re-investigate my dispute letter, for my knowledge Experian works from Monday to Friday you do not work on weekends. 
The same way Experian defamation of character, because in the statement and fraud alerts they are publishing in my profile without my authorization, I never request any fraud alerts and I never request to put any statement on my credit profile. All this looks suspicious is the reason that I am writing to you ; how could I believe if they are doing the same with those accounts that they are posting that are repeat in my credit profile. What are they doing is a violation of my rights? 
Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Violation of Statute of Limitations by State on that debt Violation of the Fair Credit Billing Act Defamation of Character. 
I'm asking you to stop defamation on in my credit profile because this message that appears in my credit profile of any circumstance I never have asked to put any fraud alert or any statement even that phone number in the statement I do not recognize it, this is what you are posting in my credit profile. 
Bureau Message : XXXX &XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/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