BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: MA
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 I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in 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 explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NY
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Convergent Resources, 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 sent letter requesting that debt be validated and information that I would need to investigate on my behalf but this company never replied but continue to report inaccurate and invalid information on my consumer report.

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 2023-09-06
Company: EQUIFAX, INC.
State: SC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
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:
in accordance with the Fair Credit Reporting act 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 have violated my rights.

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

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

As noted, federal Identity theft laws are covered under 18 U.S.C. 1028, which prohibits anyone from misusing someone's identifying information, whether personal or financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
FTC REPORT ATTACHED AS PDF IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from XXXX so please tell me how you verified this information to be 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 2022-03-10
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Transunion and XXXX continue to send letters stating it is not me trying to validate the debt on my credit file. I have sent notification that indeed it is me ask for validation of such debt. Therefore the agencies are not doing their jobs in verifying the information and continuing to allow false information to remain on my credit file.

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 2023-06-06
Company: WELLS FARGO & COMPANY
State: NC
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 received an auto payoff letter from Wells Fargo for an Auto loan for one buyer and received the title with another person name on it thats been deceased since XXXX. 
They cashed the check from my credit u ion in the amount of XXXX XX/XX/XXXX. 
I didnt receive the title until XX/XX/XXXX. 
And found out XX/XX/XXXX that I couldnt register the vehicle because the paperwork didnt match up. 
Now I have to wait for the deceased Parent to receive papers from the Courts before the title can be corrected. I was given a 30 day window before that paperwork is returned. Which will be XXXX. 
Im paying daily interest of {$11.00} since XX/XX/XXXX and Im not in receipt of the vehicle. 
I do not feel Im responsible for any fees acquired until I receive the proper paperwork from Wells Fargo. 
The loan was payed off out of deception. 
I thought I was purchasing a car from one buyer and not from someone whos been deceased since XXXX. 
Wells Fargo had ample time to rectify the paperwork. They cashed the check XX/XX/XXXX. 
Wells Fargo advised me that I have to contact XXXX XXXX or My bank. 
Wells Fargo shouldve listed both parties on the paperwork. 
However Im the only one paying for something thats not in my possession and wont be for another 30 plus days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been struggling to get assistance from SPS since our mortgage was sold to them by XXXX XXXX XXXX. In XXXX our mortgage was sold to SPS and it took over 6 months ( almost a year ) for us to be acknowledged as successors in interest. We actually had to make a previous complaint and they finally called us and said ok we will make a payment plan with you guys so that we could catch up and begin to pay our mortgage. The payment plan they offerred would have required us to pay double our mortgage payment to catch up and nothing went towards the arrears so we suggested a plan that would pay towards the arrears and pay on the current mortgage which was denied! We were then told that we can not pay on our mortgage unless it was the full balance owed. Then CORONA hit!! We submitted a loss mitigation application in XX/XX/XXXX. We submitted our information over and over again and SPS kept sending letters saying we were missing information. After calling and emailing throughout the pandemic now XX/XX/XXXX they are now saying that all of our info in submitted andour application was complete as of XX/XX/XXXX and now 30 days later it is XX/XX/XXXX and they quickly denied us for a loan modification and assumption within 2 weeks after having our application for a year!!! We are constantly being denied assistance to pay our mortgage. We are constantly being denied any payment arrangement or being offered an arrangement that is so large that they have forced us into foreclosure we believe for the betterment of the company and not homeowners who have faced a terrible financial loss. We believe that SPS is not acting in good faith especially during a pandemic. We will resort to requesting a hearing as per CPLR 34087. SPS has never offerred us any assistance or allowed us to make payments to remedy this foreclosure. SPS has taken so much time verifying documents that have been sent in over and over to purposefully waste time and accelerate a foreclosure proceeding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: SC
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no ) 281 SW 715,719, I pressure that no proof of the alleged! debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I first disputed an unauthorized charge on my Chase Bank credit card ending in XXXX of {$42.00} for a XXXX XXXX XXXX subscription. 

After months of disputing this same charge Chase Bank which the XXXX had accepted subscription cancellation on XXXX Chase advised me the only solution was to discontinue this card number and replace with a reissued card with exact same benefits and a new card number which I agreed reluctantly to do. After a rigorous process of notifying legitimate merchants Chase gave the new number to the disputed merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: AES/PHEAA
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 status incorrect

Complaint:
Fed loan is incorrectly submitting derogatory student loan information on my credit reports. My Federal Student Loans were discharged/closed out, by the Department of Veterans Affairs , and The Social Security Administration because of my 100 % Permanent and Total XXXX status. I was informed that I no longer owed on the student loan debts ( by letter from both entities ), yet Fed loan continues to report derogatory student loan balances, and that the account is currently open, on my credit reports. This information that Fed Loan is providing to my credit reports is false information, and it should show as closed accounts, and no longer owing. This is causing my credit score to remain low, and the inability to secure loans. It is affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022 my Chase banking account got restricted because of a check I deposited online for {$5000.00} from my father who passed away. The check was not counterfeit and there was no issue with it. I reached out to chase support team and got transferred to the restriction team, they had me verify the check through the check makers phone number. They got ahold of them and everything was verified. They proceeded to tell me that they could not unrestrict my account until my check cleared the next day. So the next day it cleared, I called back and they went through the process of verifying but this time saying the phone number didnt match, but it was the phone number on the check and the same phone number they called the previous day and verified with. Then by the end of the call they told me they made the decision to close my account and hung up. I called repeatedly and got the same response with no way to unrestrict my account. Ive had the maker of the check go into their own branch to verify it, Ive done everything I could. Now my account will close in 10 days and I have no access to my account or funds over something I have no control over. I wont be able to pay bills or for food for 10+ because my account is restricted for no reason. And the final call I made today on XX/XX/2022, they told me chase can close an account without having to give a reason. I have absolutely no idea what to do and now Im stressing and panicking over how Im going to pay for things when I havent done anything wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: First Technology Federal Credit Union
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2018, a fraudulent savings/checking account at First Tech Credit Union was opened in my name. On XX/XX/2018, I discovered this fraudulently opened account via a First Tech account statement that was mailed to my home. 

I had no knowledge of this account, I did not open the account nor did I authorize anyone to open the account in my name. 

On XX/XX/XXXX, I sent a letter via certified mail to First Tech 's Fraud  department in XXXX, Oregon. The letter stated that I had no knowledge of the account, that I did not open the account or authorize anyone to open the account and requested that First Tech take  immediate corrective action on this account. Further, I required that First Tech notify me in writing that corrective action was taken or that they notify me the reason ( s ) why corrective action could not be taken. 

The certified letter was picked up and signed for by a First Tech employee on XX/XX/2018. To date, I have not heard from First Tech regarding this matter. I called First Tech 's customer service XX/XX/2018 and discovered that the fraudulent account is still active and no actions have been taken by First Tech.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation