BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance to the Fair Credit Report Act XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: LA
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:
I looked at my credit report and noticed some inquiries that I do not recognize or authorize. These items are not mine and they are pulling down my credit score making it very difficult to obtain new credit. I will list them down below : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Experian XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have also filed a ID theft report that I will be attaching to this complaint.

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 2021-04-07
Company: Experian Information Solutions Inc.
State: VA
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 have disputed with all 3 bureaus since XX/XX/XXXX on accounts that should not be reporting late payments! After the 1st round of disputes didn't result in any responses from the bureaus, I submitted a 2nd round on XX/XX/XXXX and again today, XX/XX/XXXX. After 4 months of disputing, the bureaus should've at least sent me an acknowledgment of my disputes, they never even did that!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Issue 1 : On XXXX XXXX ; my VA XXXX check ( XXXX $ ) had hit an USAA account that had just been charged off and closed the day prior due to the account was in the negative. Once the the charged of amount was taken care of the bank sent a corporate check worth XXXX XXXX  out and I verified that it was suppose to come to me and have my name on it. Half way through XXXX ; I did not receive the check so I tried calling into them but because I was not able to verify my identity over the phone ; cause I had a new phone, due to the previous one being stolen. On the XXXX of XXXX was finally able to gain access to the USAA and foudn out that the check had been sent to my first ex wife at her address due to her being the primary account holder. I talk to them and they sent a request to reissue out a new check to me in which I got on the XXXX of XXXX. Attempted to cash it and was denied due to the check not being placed in the positive pay status. On the XXXX, I got the bank to reissue out a XXXX check and here it is still the XXXX and I am waiting for that amount of funds. 

Issue 2 : I created a new account on the XXXX of XXXX with USAA and attempted to cash a XXXX party check that was made out to me by my friend but was denied due to a stop payment with the other person 's bank. This placed a flag on my account for fraudulent activity. I received my XXXX VA XXXX check on the XXXX of XXXX for the total of XXXX. I spent almost XXXX dollars of that account before this account went to credit receiving only status. Since I misplaced my debit card ; I was attempting to send myself my money over XXXX XXXX using the tap to pay and this flagged my account again for fraudulent activity. The reason why the account went into the credit receiving status is because of the flags for fraud and the bank started the process of closing the account down. They told me that the closing procedure takes 60 days total before it closes and only at that time ; if there are funds available they would send it to me in a corporate check. Everything has already posted on the account by the XXXX of the month and the remaining balance is XXXX XXXX 

Here I am being a XXXX XXXX XXXX XXXX veteran at day 40 without any cash at cause the check is my only means of currency. I am about to be evicted and my utlilities are going to be shut off ; plus my car is currently in the impound since the XXXX of XXXX due to not having the funds to get out and each day the car gets another XXXXXXXX XXXX added to it. So I am looking at possibly XXXX XXXX just to get it out of the lot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: LA
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:
I looked at my report and noticed that there are many inquiries listed that I did not recognize or authorize. 
I will list those items here : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, Experian Business Credit on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, Car XXXX XXXX XX/XX/XXXX, XXXX on XX/XX/XXXXXXXX XXXX XXXX on 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}, XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was reviewing my credit report and noticed an additional XXXX XXXX XXXX XXXX credit card- with an inquiry dated XX/XX/XXXX. I called the credit card company, who informed me they had sent letters to credit bureaus to update and fix it. After speaking with the Bureaus, they referred me back to the CC company with no results as of today. XXXX  XXXX is aware of the fraud, but the follow-up and the letters have been delayed. 

I am closing on a new home this XXXX, and I need my credit reports updated and reflect the correct informtion. 

Please note I do have a XXXX XXXX XXXX since XXXX, and it's in good standing.

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 2022-07-18
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have received numerous emails from citi regarding payment on my citi diamond preferred credit card. The frustration becomes unbearable when these jerks at citi not only send email after email " reminding '' me of payment due but continue to send these when the payment for XXXX has not only been made but has been received by them. On Thursday XXXX XX/XX/XXXX, I submitted payment via electronic funds transfer through my XXXX XXXX checking account, ( of which I have the proof of payment in my possession at this time ). A payment of {$110.00} was submitted on XX/XX/XXXX and was received by citi on Friday XX/XX/XXXX, ( incidentally, the previous 4 payments have been made without incident this way ). I accessed my citi account this evening on line, and it shows no record of payment, only a message that my payment is due in 2 days!! The jerks at citi are nothing but thieves and liars, in addition they take pleasure in harrassing me even when I have made not only all past payment but the current payment that's due for 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 2022-08-13
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS DISCHARGED IN A XXXX XXXX XXXX IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: FORD MOTOR CREDIT CO.
State: OH
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:
I was looking over my credit report and I noticed that a 30 days late payments that were supposed to be removed FORD MOTOR COM. The date was XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of closing on a mortgage and this late mark is preventing me from moving into my new home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score Icoulduse some accommodation to help protect my credit. The CARES Act calls these  agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Service Finance Holdings, LLC
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: Account information incorrect

Complaint:
I needed to finance a home improvement project. I had told the company who was going to do the project for me that my spouse already had a loan through service finance. The company itself and their service finance agent, were not aware that service finance only finances one project per house hold and not per SSN. Therefore, my application was declined. 
I understand mistakes happen, but since i had not fault in this whole thing I would like to dispute this hard inquiry on my credit report with all credit Bureaus. I have an excellent credit and i work hard to keep it perfect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Experian Information Solutions 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/23 I wrote a letter to Experian to investigate an old account, in the name of XXXXXXXX XXXX XXXX Account Number XXXX. The balance was reporting inaccurately so I sent them a letter requesting a verification. As a consumer I have done my research and know that they have 30 days to complete an investigation and respond to me from the time the dispute was received. Well today marks over 60 days of no response at all in regard to my dispute. I haven't even gotten a notice stating that there was an investigation in progress. This leads me to believe that they were unable to complete an investigation into this account and therefore the account must be removed. I have read of on the law that consumer bureaus are held to and right now they have racked up several violations!

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 2023-05-03
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2021-12-09
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:
am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Can you remove the items listed in the report to correct my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Following up with previous CFPB case no. XXXX. 

The reply from Chase Bank Executive Office to case XXXX stated that " Maker issuance of the checks were verified on XX/XX/XXXX, and a request was placed to release the remaining funds of {$6500.00} from suspense. There is a 10 day processing timeframe for the funds to be released and for a cashier 's check to be issued to your address on file. ". 

However, as of the time I submitted this complaint, the check is still not yet seen. So I made a call to Chase bank on XX/XX/XXXX, they transferred me on the line a couple times and eventually the agent said he will call me back but it did not happen at all. 

XX/XX/XXXX, I made a call to Chase again, the agent told me the concerned check is still in hold. I explained him my situation that my employer 's business phone number is no longer valid, that's why Chase bank is stuck in this verification process. And then he said he can make an exception for this one as long as he can verify my employer 's phone number is of the same person as the business owner of the check. He then made a phone call to my employer right away, and he said the check is now verified, and will be issued by 4-5 days. 

But I don't trust what Chase Bank told me anymore. Actually I have already heard from Chase bank that my check is verified a couple times. On XX/XX/XXXX, I brought my employer to visit the Chase Branch at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX trying to go thru the verification process. The banker told me it was done and Chase will issue the check to me. IT DID NOT HAPPEN. 

On XX/XX/XXXX, Chase Executive Office replied my complaint on CFPB saying the check will be done processing by 10 days and mailed to my address. IT DID NOT HAPPEN. 

Today ( XX/XX/XXXX ), an agent on the hotline claimed that the check is verified and will be issued by 4-5 days. Will it happen? Should I trust Chase Bank? That are some questions I want Chase Bank Executive Office to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Can you remove the items listed in the report to correct 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 non-monetary relief