BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: FL
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:
I reviewed my consumer reports and noticed that I had fourteen late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and XXXX XXXX XXXX XXXX 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 2020-01-09
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My name XXXX XXXX and wife Is XXXX XXXX XXXX XXXX we had car loan with XXXX XXXX and it was transferred to westlake financial. They did it in XXXX and we was not notified by email or mail that our loan was turned over to Westlake Financial. So we sending our payment to XXXX   XXXX for XXXX and XXXX which was not sent to Westlake Finanical. So we both got negative History on our credit for XXXX and XXXX. We never got nothing from them letting us know that it was turned over to Westlake Finanical. Plus Westlake Financial didn't even send us anything to let us know that they had our loan. All we asking is that they remove the negative history from XXXX and XXXX on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this was not sent in error, i am a consumer by law and my information was misused and now i have some false accounts on my credit report that are not 100 % accurate.

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 2020-01-09
Company: Experian Information Solutions Inc.
State: IL
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:
The judge issued orders in my divorce decree XXXX XXXX XX/XX/XXXX date of court entry that my ex was ordered to pay XXXX ( XXXX ) off on XX/XX/XXXX, date of the home sale with those funds. It was left delinquent 90 days into XXXX and is on my bureau reports. I attempted to contact XXXX myself and they assured me that my name was not on this account, however that was all they could tell me, so how was this then reported as my delinquency? I sent complaints to all three bureaus full of documentation. They never responded and never removed it. XXXX sent a copy of my report with the XXXX account entered twice, once correctly and never replied to removing the incorrect one. They have her new address on my report in XXXX, her family home in XXXX XXXX and other homes I've never lived in. They also don't list three paid off homes, another in XXXX, TX, 10 cars, 50 credit cards, or student loans for three degrees.This false information is causing rejections and inquiry alerts that continue to mount as she continues to do whatever my ex is doing. 
I also sent XXXX a certified letter-to XXXX XXXX at the NY Corporate office asking why the XXXX account is closed. I lost XXXX in bonus XXXX money with the loss of this card. The tracking number is XXXX XXXX sent on XX/XX/XXXX. I received no answer and no {$500.00} in earned money. Their people applied my payments from a checking account they entered incorrectly-one digit off and charged me XXXX per error, and I paid it immediately on the telephone with my acct number in hand-no problem. THEY WERE ADVANCE PAYMENTS. I went to their XXXX XXXX location and no one would help me. I want my money that I deserve, My bureau shows never late and I never receive If it was investigated it would have been repaired! 
I am a highly educated man of means and I demand they repair their errors.

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 2023-06-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On XX/XX/XXXX, a cashier 's check for {$50000.00} was issued to me to close a CD account at Chase Bank and open a new one with XXXX XXXX XXXX ( XXXX ), located XXXX XXXX XXXX from Chase in XXXX XXXX. I opened my new retirement account and didn't think much of it. Three years later, I called XXXX to check on the account, but they had no record of it. I contacted the financial advisor who helped me open the account at XXXX, and he informed me that the check never cleared and didn't go through. I asked why I was never notified or called, and he explained that they had sent a letter, but since I wasn't an active customer in their system there might have been a problem with the generated letter. 

I reached out to Chase about the missing money, but they couldn't find any information regarding the transaction since it had been over three years. They requested that I provide the check for their assistance, which was impossible because XXXX had voided and destroyed it. I asked them for other options, and they inquired if I had a check number. After several years of speaking with the bank and sifting through paperwork, I located the check stub. Chase confirmed that the check was indeed never cashed. 

At this point, I assumed that the issue would be resolved, and they would refund me. they never sent the money and the check was never cashed out, so they still have the funds. However, the check was voided in XXXX, seven years after the issue date, and was never cashed out. I brought this matter to different departments at Chase for three months, and finally reached their internal escalated complaints department. I then questioned why the funds were not sent to the state treasury for claiming, and when I contacted the head office in Ohio for Chase Bank, where all checks pass before being sent to the state, they stated that they had no record of receiving or processing that check or the funds. Unfortunately, they only informed me that they couldn't refund me and that " it's a complicated matter, '' without providing any further explanation or info and are closing the matter. 
I never felt so frustrated for something that seems so simple to correct

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: FIRST NATIONAL BANK OF OMAHA
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:
On XX/XX/XXXX. of 2017 I received a hard inquiry from FNB OMAHA, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from FHB OMAHA in connection with this request.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: NY
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:
Yesterday, XX/XX/2023, I received an email from Experian that said that my XXXX XXXX had decreased by XXXX points. When I logged in to my Experian account, I was notified that just prior to that score decrease, there were XXXX new notifications regarding my Department XXXX XXXX XXXX XXXX 

XXXX notification said that my CREDIT USAGE increased 145.98 % with the previous limit being {$3900.00} to the new limit of {$18000.00} ( XXXX ). 

XXXX notification said that my XXXX XXXX increased from {$3900.00} to {$18000.00} ( XXXX ). 

The third notification said that I had a BALANCE INCREASE from {$4600.00} to {$27000.00} ( XXXX ). 

I have not made any new loans, nor consolidated loans anytime in recent years. 

I called XXXX to investigate. They said that their reporting style had just changed this month. And that they now report some loans as combined. The customer service agent said that they have done this with the intention to help improve some loan holders credit scores. It seems to have had the opposite effect on my XXXX XXXX. 

Since there is no real change in my loan accounts except for the way that they are being reported, I believe that Experian and other credit bureaus should not negatively alter my score. 

XXXX has suggested that I send a letter to Experian showing them a summary of my loans. XXXX calls this a Mortgage Letter because they usually provide this for loan holders who are also seeking mortgages elsewhere. I am attaching this here. 

It shows that the loans are still separate and no change has occurred in their amount or structure and that there are no new loans for years. 

Can you please help me get my XXXX points back? 

Best Regards, 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 2022-12-12
Company: SECURITY FINANCE CORP
State: GA
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt, which shows on my report as " XXXX XXXX '', an collection account with a due of XXXX dollars. 

Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it on my TRANSUNION report. 

Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give these companies permission to run my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: 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:
attached is the XXXX XXXX XXXX XXXX XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28
Company: Colony Brands, Inc.
State: MA
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:
XXXX XXXX balance {$110.00}, XXXX # XXXX ... XXXX # CLOSED DATE XX/XX/21, ... .IN ACCORDANCE with the fair credit reporting act convergent #! has violated my rights,15 U.S.C.1618 section 602A states that i have the right to privacy ... ..15U.S.C.1618 section604A section2 ; also statesa consumer reporting agenceycanotfurnishan account with out wriiten consent and/or instructruction... and they've been given NONE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, 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 have two accounts on my credit report with XXXX, XXXX XXXX, Equifax that I have an issue with. I have done online disputes with all three companies at 3 different times. Each time I dispute the accounts the credit reporting agency states that the information is reported correctly. 
The two accounts with errors have the wrong account open date. Both accounts state that I open them in XXXX. I believe the correct date is in XXXX because the debts are at least a couple of years old. The accounts also have been closed for at least two years. 
Each time I try to dispute the items the credit report agencies never update the information and state that the information is correct. 
I am not able to prove the account dates and I am requesting assistance obtaining this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX. XXXX  } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/XXXX, I opened a new checking acct at Chase Bank located at XXXXXXXX XXXX XXXXXXXX XXXX in XXXX XXXX, CA. On XX/XX/XXXX, I made two check deposits via mobile app to my Chase checking account. One was a cashiers check in the amt of {$2300.00} from XXXX XXXX XXXX XXXX XXXX and the other was a personal check from XXXX XXXX in the amt of {$1200.00}. A few days later, I noticed a message on my Chase checking acct indicating these funds would not be available until XX/XX/XXXX. I called the Chase branch at XXXXXXXX XXXX XXXXXXXX XXXX to inquire about the unusual delay in accessing my funds. The teller by the name of XXXX saw that my checking account was marked as 'restricted ' but was unclear as to why this was happening. I've since made several calls to the XXXX XXXX / Account Closures call center for Chase and visited numerous Chase branches to try to resolve this issue. By XX/XX/XXXX, I learned my Chase checking account had been closed. On XX/XX/XXXX, a banker at the Chase branch located at XXXX XXXX XXXX in XXXX XXXXXXXX, CA informed me that my funds have been mailed to me and would arrive shortly via USPS. By XX/XX/XXXX, I was still missing {$3500.00} and again reached out to the bankers at XXXXXXXX XXXX XXXXXXXX XXXX, where I initially opened my account. After countless hours on the phone and speaking to Chase bankers in person, I finally received a check for {$2300.00} on XX/XX/XXXX. After filing a complaint w/ the Office of the Comptroller of the Currency , I also received a call from the Chase executive office. As of today, XX/XX/XXXX, I am still missing {$1200.00} and the Chase executive I last spoke to said the {$1200.00} was still 'processing '. There has been no explanation for the extreme delay in verifying the two checks or the account closure or the delay in returning my money to me. There has been no recognition of the hardship one faces when missing thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2022-02-03
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This is a followup from complaint # XXXX. The issue was never fixed. Both banks keep saying the other bank was refunded the money. However they still haven't corrected the issue. I try almost weekly to contact them and fix the issue. They keep pointing fingers. I'm constantly bothered by creditors about this issue. My CREDIT is ruined. I should not be involved at all! I never got any money and they are the ones that have it. I will be filling another complaint for XXXX XXXX  also. Here 's what the original complaint stated. Thanks The consumer filed a Balance transfer online with CITI cards. The amount was for {$7700.00} to be transferred to the consumer 's XXXX XXXX  account. However, the consumer accidentally gave them the wrong account number. The consumer had XXXX accounts and that one was closed. XXXX then sent back the funds to Citicard through a check in the mail on XXXX XXXX. The check was cashed/deposited on XX/XX/2020 The consumer has a copy of this check from XXXX. Citicard says they never cashed it but XXXX XXXX  says they did. Almost XXXX year later and the consumer can't get it fixed. Citicard has been sending the consumer bills and has ruined the consumer 's credit score. The consumer never received any funds from them but still they request payment. This includes a balance transfer fee of {$230.00} for a Total of {$7900.00} in complait # 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 monetary relief