BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
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:
I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX 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 XXXXXXXX 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 XXXXXXXX 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 explanation
Consumer complaint received 2017-09-24
Company: EQUIFAX, 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:
Hello, I have been notified by equifax that my information might 've been compromised by the recent hack on Equifax. I 've contacted Equifax twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with Equifax. 
Equifax apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Account information incorrect

Complaint:
This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ).

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience.

As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX DEPT OF EDUCATION/XXXX XXXXXXXX this account payment history is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update DEPT OF EDUCATION/XXXX  XXXX this account payment is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2023-02-14
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
Company: WorldRemit Corp.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On Thursday XX/XX/2023 I sent XXXX $ through world remit and they have removed the money from my account but the recipient hasnt received the money yet

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
NO customer protection from scams. Misleads customer that it is safe platform. No accountability. 

Both Chase bank and XXXX refuse to reverse transactions to scammers ( with evidence ) when the transaction is still marked as PENDING. Chase and XXXX pass the responsibility to the other one. 

Non-existent customer service can not get ahold of any human at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, SSI # XXXX  My phone is XXXX Email XXXX Two US Bank Credit Cards settled closed : US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) Two US Bank Credit Cards settled closed : US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) US Bank Card # XXXX ( First date of delinquency XX/XX/2011 ) These items are more than 7 yrs. old they should be updated and removed from my XXXX  credit report See Attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: SYNCHRONY FINANCIAL
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:
XXXX Called Synchrony Bank XXXX XXXX Acct to request cr line increase. Spoke w Agent overseas in XXXX, told me it would be a soft inquiry. my limit was XXXX. He told me my request to increase to XXXX was denied. I received notification from XXXX XXXX my credit score with XXXX dropped 41 points as my limit was requested to be decreased to {$1300.00}.

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 explanation
Consumer complaint received 2021-03-01
Company: FC HoldCo LLC
State: MD
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Assured Financial Partners
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company has been harassing me and my relatives about a debt that I can not verify from 2006. They claim to have sent 40 letters to me, but I have not received anything. Now they claim that the only course of action is that I pay by the end of the month or face legal action. Additionally, they have made harassing phone calls to my family about said legal actions. They are also claiming to be a third party to the actual debt collector who they will not name other than " their client ''. Finally, they also threatened to have my wages garnished by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/18 I received a noticed from XXXX XXXX, XXXX Trust informing me of a change to my XXXX XXXX cash management sweep vehicle with no date for the stated change of cash vehicle, nor any disclosures. 

I wrote a demand letter XX/XX/18 requesting all disclosures for the use of cash sweeps in the Trust accounts. 

Additionally, XXXX XXXX, XXXX Trustees have an accounting petition pending before the Surrogate Court of the State of New York, the County of XXXX, which has been contested and for which Discovery requests for production have been sent by myself to the fiduciary and attorney, XXXX XXXX, XXXX XXXX. of XXXX, XXXX XXXX XXXX XXXX. Disputed in the accounting is the use of various cash sweep vehicles for which the fiduciary failed to provide disclosures. 

The banking system of Community Bank System , Inc, XXXX XXXX  XXXX XXXX , XXXX and XXXX XXXX, XXXX XXXX XXXX has failed to provide disclosures for the compensation / commission arrangements between it's subsidiaries for the use of the XXXX cash sweep vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please see attachments XXXX XXXX from Round Point Mortgage call me today asking for a copy of the missing payments and the $ XXXXcheck payment he wanted me to send him a copy of what I had. I ask him about the new money of {$21000.00} he did not give me a concrete answer only to keep referring to the missing funds it appears he was very concerned even gave me his personal phone number to call him back with the information he wanted, really sound suspect to me because when I ask him other questions about the loan he just went back to the missing checks situation. I told him he can email me like he did once before because I like to have everything in black and  white but he insisted on calling me over the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was looking for a photo search app on XXXX. They sent me to this app, and after a few clicks, they asked me to buy a year worth of services. They said it was a trial and I could cancel. I went to XXXX, and they had no cancel button. The charge was over XXXX dollars. I used my Simple account for the payment, but I had a XXXX balance, which I have been carrying for awhile now. I did not think they they would process they payment, and I had no money in the account to cover it. They usually will turn down payment requests. I was at the grocery store and they turned down a XXXX dollar overage for groceries, so I can't understand why they would process this payment. There was no pre authorization, They told me that the VISA company went down, and let this charge go thru. I submitted information and they told me it would be about 90 days before they had a resolution. They are still saying I am responsible for the bill. This is a bank account with no fees, and you can't overdraft. They will not remove this charge, and they are saying that I have to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My lease with GM ended XX/XX/XXXX. The lease contract call for the total base payments of {$10000.00} plus a lease termination charge of {$390.00}. I made payments totaling {$11000.00}. When I turned in the vehicle I took care of all items while pointing out the deficient pre-inspection report I had yet GM sent me an invoice stating I owed an additional amount of {$640.00}. I wrote to GM on XX/XX/XXXX pointing out that their inspection report was inaccurate and included all relevant proof to support my position. GM did not respond until XX/XX/XXXX stating I still owed {$420.00} for the {$390.00} termination fee plus fees and taxes while ignoring my request to have my payment overage applied to the fee, if not waived. Instead, GM falsely and fraudulently reported to the credit agencies that I " MISSED A PAYMENT '' to the detriment of my and my spouse 's credit history when in fact we did not miss any payments at all. Again on XX/XX/XXXX I wrote to GM requesting that it retract it's false and fraudulent report yet to date GM has refused to be reasonable and ignored my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XX/XX/2018 my card was taken. Some how the person got my pin and took XXXX dollars out of my checking account via ATM. I filed a fraud claim with my bank, Comerica. I was told it would take 10 days to reach a decision. On day 10 I was credited back the XXXX  dollars. Fast forward to XX/XX/XXXX and Comerica debited my account the {$500.00} dollars back stating because someone used the card and atm I was responsible for it. I have stated over and over again this was not my doing and I have never had any issues with fraud. They since have been reluctant to file an appeal on my behalf or re-issue my funds. I'm not sure what to do next but Comerica should surely be ashamed. I use this money to take care of my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-28
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 applied for XXXX savings account. Acc. to them, I have placed a security/fraud alert with Equifax that is still active. Therefore, they state, they could not verify my identity and denied the application ( for a savings account of all things ). I contacted Equifax to inquire about such fraud alert or security freeze. A rep named XXXX at their XXXX location picked up the phone after 45 minutes of waiting time. XXXX 's XXXX wasn't very good. She asked about 7 security questions to which I provided the answers while looking at my online statements with the different creditors. As I became frustrated with the excessive " process, '' XXXX became hostile. She then told me that I have failed the security " process '' and she can't give me the answer about the alleged fraud alert. And there is nothing I can do, she added. I asked to speak to her supervisor. Supervisor XXXX came to the phone, ID # XXXX ( after much questioning ) -- acc. to XXXX, there is nothing she can do and I must write to several locations of Equifax to ask them about the security alert. I told her that XXXX must have inserted the incorrect information or must be dishonest about me failing their " procedure. '' XXXX was unable to explain to me the " procedure. '' ALL IN ALL, IT TOOK ONE HOUR AND 57 MINUTES. WHAT A MONUMENTAL WASTE OF TIME. I ALSO TRIED TO RESOLVE ONLINE THE ISSUE OF POSSIBLE ( AND UNAUTHORIZED ) SECURITY ALERT. XXXX AND/OR XXXX HAVE MADE SURE TO BLOCK MY ACCESS. 

PLEASE CONTACT EQUIFAX ON MY BEHALF AND ASK THEM TO REMOVE ANY ALERT OR FREEZE THAT MAY EXIST ON MY FILE. I DON'T RECALL EVER PLACING SUCH ALERT/FREEZE. 

I ALSO WOULD LIKE TO OPT FROM REPORTING WITH EQUIFAX GIVEN THE DISHONEST AND UNPROFESSIONAL CONSUMER SERVICE. 

I APPRECIATE YOUR KIND ASSISTANCE WITH THIS URGENT MATTER. 
THANK YOU, XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$880.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX XXXX XXXX {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: JPMORGAN CHASE & CO.
State: MD
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: MS
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 multiple accounts on my report that are not mine. I have no idea what these accounts are and where they came from. I am asking for them to be removed as they could be opened as a result of identity theft or a mistake by the credit bureaus. I have attached a copy of the ftc report and two forms of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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: Investigation took more than 30 days

Complaint:
Reviewed my credit profile and saw an authorized account XXXX XXXX. I find that strange because I have never lived there. The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2019-06-11
Company: Experian Information Solutions Inc.
State: MO
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'm disputing the following two ( 2 ) accounts ( 1 ) XXXX XXXX XXXX  {$3200.00}, ( 2 ) XXXX XXXX XXXX {$1700.00}, the credit reporting agency Experian did not properly investigate or disclose the Method of Verification into this matter. It was a demand to know requested. Instead of providing me the consumer with the details and certified physical documentation, Experian violated my consumer rights by accepting electronic Verification as proof. Therefore these accounts shall be removed/ blocked immediately. If Experian continues to violate my rights, I will file with the FTC and start suit. Experian has hindered me from buying a home and showing poor judgement via my credit file. Also please remove any and all remarks.

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