BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: MS
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:
Please Remove all Fraudulent inquiries as I have no knowledge of any of these accounts due to the Equifax data breach identity theft. all is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: WELLS FARGO & COMPANY
State: GA
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:
The Credit bureaus stated Wells Fargo account, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. 



They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 



They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes. 



They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a 1 ( li ). The law clearly states if items are are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer report. 



XXXX reports the high credit as XXXX However the other credit bureaus XXXX XXXX XXXX XXXX reports it XXXX The last active date is reporting different dates on each credit report. 



XXXX is reporting last active date as XX/XX/XXXX XXXX is reporting last active date as XX/XX/XXXX XXXX is reporting last active date as XX/XX/XXXX The last payment date are also all different XXXX is reporting last payment date as XX/XX/XXXX XXXX is reporting last payment date as XX/XX/XXXX XXXX is reporting last payment date as XX/XX/XXXX XXXX is reporting that date open is XX/XX/XXXX XXXX is reporting that date open is XX/XX/XXXX XXXX is reporting that date open is XX/XX/XXXX XXXX is reporting the payment history of a charge off From XX/XX/XXXX to XX/XX/XXXX WELLS FARGO have deceived me, have frauded me, and have robbed me. On top of that WELLS FARGO has collected the insurance money, the IRS goes further into a CHARGEOFF or cancelled debt as GROSS or INCOME! WELLS FARGO are reporting a CHARGEOFF on my consumer report! Income does not get reported on my CONSUMER REPORT! You are inaccurately reporting this account! Further more you have committed TAX FRAUD! You have this account reporting on my CONSUMER REPORT, as a cancelled debt meaning that portion of the DEBT has been cancelled! I have proof after WELLS FARGO filed this CANCELLED DEBT. I will be submitting to the IRS! I am also going to submit this to the XXXX and the ATTORNEY GENERAL!

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 2019-04-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit Bureau Equifax, XXXX, and XXXX shared my credit report multiple times with multiple banks. I've also mailed all agencies over past 3 months regarding XXXX XXXX on my credit report asking for the original documentation for the account, and to date ( 75 days later ) still have not received the documentation. I've requested this information be removed from my account, but it still appears on my credit report. 
The Consumer Portal for Equifax has been down for months and I can not access the results of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
for the past three months Ditech Financial has added a late fee to my mortgage payment. The payments were done through my banks online bill pay option which I have been doing for years w no issues. My Financial Institute shows that Ditech has received the payments prior to the later fee date each month, yet the payment is n't being process until after the XXXX to which I am being assessed a late fee for. I even went as far as having the representative annotate in my account file that my financial institute was showing that they had recieved my payment on the day i was speaking w them for the month of XXXX which was XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-20
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my checking account with chase was charged check amount of {$500.00} that I did not authorize. I called several times to tell them that I did not authorized payment to the business establishment but they constantly refuse to reimburse. I spoke to account supervisor to explain my account did not even have enough funds to pay for the fraudulent check but they refused to reimburse me the funds. Please help me. My money is being stolen and my bank refuses to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2022-01-11
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: EQUIFAX, INC.
State: TN
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:
i have been watching my credit score daily for 36 months. there is no pattern to my credit score changing ... i pay cc debt to less than 30 % utilization -- credit score drops by 3 pts ( XXXX, XXXX and equifax ). i do nothing, score up 1 point. i have filed dozens of disputes - either no response or just stmt " we believe them '' but they are under no burden to provide actual data to support it. there should be a transparent credit scoring model - not just " it's complicated '' it's not. that's nonsense. do x credit score increases, do y credit score decreases ... the consumer is not protected. the agency websites are not easy to use and the disputes often aren't responded to. i want to know how score is calculated every single time and what causes it to increase/decrease -- - it's insane that the consumer doesn't have a right to this information. my credit has been ruined - i've disputed with all agencies and it takes years for them to do something besides sending a notice saying 'we got your dispute, we're looking into it. ' bad credit has prevented me from employment, insurance, home ownership, etc. this is truly criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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: Was not notified of investigation status or results

Complaint:
I checked my credit report and notice these fraudulent inquiries. I don't have any idea why they were listed on my report. This is FRAUD!

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 2017-08-26
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Ok western union money order was stolen nd cash in which wasnt the person my mom pays rent to .. when i made a claim nd did process which im at the last step .. so waiting for my refund. Its still be pending since last year XX/XX/XXXX i recentlly contact them on XX/XX/XXXX and its still pending i noe thats does not take that long they are so unprofesstional ..please can u help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: PDQ Check Exchange LC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Money 4 you in XXXX, UT has already received a judgment for the debt. They keep submitting it to the court and they nor XXXX court told me my court date and the judge signed a XXXX XXXX XXXX XXXX XXXXt! I paid bail and showed up on the day and time of the court and they didnt tell me it was over XXXX. It made me late for the court cuz I was trying to download the app and log in to the app but it had already passed. So there is another XXXX  being issued when it wasnt my fault at all. Today Money 4 you has been texting me ( after I told them not to contact me anymore ) and they said if I make a payment they will get the XXXX  recalled and IT WONT GO BACK IN EFFECT UNLESS I MISS A PAYMENT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 disputed inaccurate information being reported on my credit reports with XXXX, trans union, and XXXX. I sent them various letters instructing them to remove all incorrect names, addresses, and phone numbers and they have yet to do so. Another I disputed as well is incorrect information on all of the accounts reporting such as the date last active and date last reported not matching up, also I sent letters to verify accounts which they have yet to do. Some of the accounts are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is also inquiries on my report that are non account holding I disputed that I did not put on there my self

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 2021-01-27
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I thought I was paying off my last payment off my Barclay credit card. I only used this credit card to pay off my phone. I paid off the last of around XXXX dollars and assumed my credit card was paid off. Unaware I was still being charged and in three months the credit card had apparently accumulated over XXXX dollars in charges, yet I did not know of this until I received a letter in the mail stating that I was past due on my bill after 90 days of not paying. That was the only communication regarding this account that I received and did not receive a letter after 30 days nor a letter after 60 days. I called the Barclay around XX/XX/XXXX to try and resolve this problem and spoke to the representative after receiving the letter to figure out why I was being charged and if someone might have been using my credit card. The representative removed the charges, but I had to pay for the late fees which I took care of right then and there and asked if this misunderstanding would be sent to the credit bureau which he stated it would have not and that my credit will be fine. My credit score stated that I had a serious delinquency stating I missed multiple payments after 90 days. I called Barclay multiple times around XXXX XXXX XX/XX/XXXX after I found out this stayed on my credit report but would be hung up on multiple times, multiple representatives stating they are not sure how to help me or circling around my questions and when finally talking to a supervisor regarding my situation seeing that I closed my account along with the misunderstanding regarding the situation, I was told not to contact the credit bureau as well as told to send a letter regarding the situation. I was confused at this point because I explained the situation to the supervisor and she not only see the account was taking care of but could have gone back into my account and look back on payments made and how things went wrong but instead told me to write a letter for them to report to the credit bureau. I contacted the credit bureau myself specifically XXXX  since XX/XX/XXXX and they were very helpful and tried to do everything in their power to help me in whatever way they could. Looking at my credit report I have always paid everything on time along with having a good credit history and so why would all of the sudden I would miss three months worth of payments? All I want is for this to be resolved I am planning on going to graduate school to become a physician assistant along with planning to one day have a family so I would like to not run into problems in the future because of this misunderstanding.

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 2021-07-06
Company: Experian Information Solutions Inc.
State: GA
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 am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX for account XXXXXXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at XXXX. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact XXXX is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the XXXX customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to XXXX XXXX XXXX including a formal dispute which is attached with the details of the incident, copy of my Experian credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth XXXX page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXX XXXX XXXXXXXX XXXX and also the recorded phone conversation with XXXX XXXX services employee be pulled to show that I was given incorrect information.

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 2022-08-14
Company: EQUIFAX, 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:
False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate. 

In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. 

In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX bought a debt from XXXX XXXX for a credit card I could n't pay after Iost my job inXX/XX/XXXX. They bought the debt in XXXX and they contacted me inXX/XX/XXXX and I agreed to pay the full balance of {$480.00}. I told them that I would pay this balance because I did n't want it to be put on my credit report as a collection.A couple months afterwards, I checked my credit report and they put it on my credit report anyway. I have contacted them several times to remove this collection but they will not. I can not understand why they would put it on my credit report in the first place. They were paid in full.

Company response to consumer: Closed with explanation