BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: IN
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:
Equifax has refused to verify account status on the account with XXXX XXXX from XX/XX/- XX/XX/XXXX. The accounts was first 30 days past due in XX/XX/ and therefore is too old to be on my credit report. Equifax has not obtained payment status before XX/XX/ on this account from XXXX and therefore that information has not been verified. This item MUST be removed under the laws of the FCRA. Failure to obtain the account payment status for XXXX on this account will be a direct violation of the FCRA and will subject Equifax to fines and litigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: TX
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Company Name : XXXX, XXXX # XXXX Company Name : XXXXXXXX XXXX  XXXX XXXX. # XXXX Company NAme : XXXX XXXX. # XXXX Company Name : XXXX XXXXXXXX XXXX XXXX # XXXX COmpany NAme : XXXX XXXX XXXX  : # XXXX COmpany Name : XXXX XXXX XXXX # XXXX >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. Also states that a consumer reporting agency can not furnish an account without my written instructions.

>15 U.S.C 1681c ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

>15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint on XX/XX/2023 about inaccurate information on my credit report. Equifax has admitted to causing me harm and to not protecting my file and information in their possession by allowing my information to be compromised in a data breach as well as causing me financial harm against my standing by allowing this to take place for years despite addressing this issue to them on numerous occasions. Equifax has retaliated by attacking my credit score while allowing inaccurate information to remain on my file. These accounts were medically discharged, and the federally mandated requirement of such evidence was delivered to me. Equifax claims that the accounts are reporting said inaccurate information yet have yet to provide any proof of investigation or reinvestigation but still benefits monetarily from such inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
hundreds of robocalls from ( XXXX ) XXXX / ( XXXX ) XXXX and other for the past 5 months with the prerecorded 39 seconds message - For your convenience, you can now visit us on the web at XXXX have your reference number available with you and logging in again, refer to reference number XXXX. And the number to call is XXXX. Thank you for your convenience. You can now visit us on the web at XXXX have your reference number available with you and logging in? 

most recent timestamps : XX/XX/2019:XXXX XXXX from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX  from ( XXXX ) XXXX XX/XX/2019 XXXX XXXX  from ( XXXX ) XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: MI
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello sir/madam We started to transfer our money from XXXX to XXXX through XXXX about 3 months ago, we talked to our bank ( wells fargo ) in advance to get permissions and the OFAC license XXXX the bank told us we are good to go. So we started to wire the money in several XXXX and XXXX wires continuously. Each time a wire was received by the bank they asked us to go there and sign OFAC AFFIDAVIT paper and after a a few days the bank would credited our account, but after all the transferring was done we realized the bank has not credited our total amount of XXXX $ instead they gave us XXXX $ .we waited a few days but no luck. XXXX $ is missing. We have all the ofac affidavit papers that sais in total the amount is XXXX but they say its not a proof! The problem is that we dont know which of these several wires have been credited and which ones havent because they all been continuously sent and very similar amounts. But with further investigation we find 12 possible wires that that could be it, 7 of these 12 havent been credited. We asked the bank to check these 12 ofac affidavit papers because they have reference numbers on them but they are not helping us! Its been a month and we are going back and forth and nothing so far, no one is helping us. 
The bank said maybe theres a problem with the bank in XXXX, but they gave us the ofac papers to sign! So we know that the money is here, but no one seems to know where its gone! And we tried to talk to everyone even in different branches but no one is helping. 
So Im here asking you to help us, we need the rest of the money we are stressed out Could you help us please?

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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had filed a complaint XX/XX/XXXX about my credit report and XXXX XXXX XXXX is reporting m

y personal information, I have never done business with them. Also, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission 2 XXXX XXXX XXXX to release my medical information. I am aware that HIPAA does allowed for limited information about me but anything more their XXXX XXXX XXXX is only to be revealed with the patients authorization therefore my request is to fold as follows. Validation of debt a HIPAA authorization. 1. Please provide breakdown and fees including any collection calls and medical charges from XXXX XXXX XXXX 2
. Provide a copy of my signature with the provider of service to release my medical information to you.

Please notify me when the above items have been deleted I am also requesting an updated copy of my credit report which should be sent to the address and the email listed in this 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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

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 2015-10-24
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card
Issue: Transaction issue

Complaint:
Two issues:1- I download and reconcile the data from this account daily and payoff the balance by electronic transfer from a XXXX checking account ; despite the balance being deducted from my XXXX Account , it takes days for Chase to credit my credit card account. 
2. Despite the process listed above ; even when my own account, updated daily, and showing now balance due, Chase shows a balance due and charges me interest on the alleged " balance ''. 
Chase Bank is using fraudulent accounting practices and deliberately delaying processing accounts in a fair manner in order to increase fees and profits

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the inaccuracies and illegalities in my credit report that have caused significant harm to my credit score and financial well-being. Specifically, I am concerned with the actions of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. 

Firstly, XXXX XXXX XXXX  XXXX reported a late payment on my account ( XXXX ) which is completely false. I have never missed a payment on this account and have always paid on time. This violation of the Fair Credit Reporting Act ( FCRA ) has caused undue harm to my credit score and has the potential to impact my future financial opportunities. 

Secondly, XXXX XXXX has reported my account ( XXXX ) as charged off, which is also false. I have made several attempts to rectify the situation with the company, but they have refused to acknowledge my payments and have continued to report the account inaccurately. This violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) has caused significant damage to my credit score and my ability to secure credit in the future. 

Thirdly, XXXX XXXX XXXX  XXXX XXXX. has reported my account ( XXXX ) as being in collection, which is also false. I have never received any communication from them regarding a collection account, and they have not provided me with any proof of such a claim. This violation of the FCRA and the Truth in Lending Act ( TILA ) has caused unnecessary harm to my credit score and my financial reputation. 

Lastly, XXXX XXXX XXXX  XXXX XXXX. XXXX has also reported my account ( XXXX  ) as being in collection, which is completely unfounded. This violation of the Real Estate S

ettlement Procedures Act ( RESPA ) and the Equal Credit Opportunity Act ( ECOA ) has caused significant damag

e to my credit score and my financial stability. I request that you investigate these inaccuracies and take appropriat
e action to rectify the violations of the above-mentioned laws. Please provide me with written confirmation of your findings and the actions taken to rectify these violations.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : 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 2023-02-09
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
I sent Early warning services a letter to remove the incorrect information on my Ews report on XX/XX/2022 and I have not received a response and it has been well over 30 days since I have not received any response from Early warning services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
A friend fraudulently used me as a cosigner on a line of credit from the bank. I am legally XXXX, and I am unable to read or review legal documents. I am on permanent XXXX. 

I have no recollection of signing any loan documents or agreeing to cosign for the friend. 

I had given the friend, XXXX XXXX XXXX, XXXX to assist me with my other accounts at Citizens Bank, but never agreed to cosign a loan. 

On XX/XX/XXXX, XXXX XXXX XXXX received a cash advance on the line of credit for {$200000.00}. Now he is unable to pay the loan. 

I reported this situation to the bank. I was told that the bank had restricted the account and was told I could only speak to a single individual named XXXX XXXX XXXX. The bank ( XXXX XXXX ) will not return my calls or emails, and will not provide an update on the reported fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez purchased my loan from a company that purchased my loan previous. The company before Newrez went bankrupt. I got a welcome letter stating that I owed New Rez money. I called and asked for my account information to get logged in and paid. I was told that they couldn't find an account with my information only a welcome letter. I was given a login eventually to pay but no account or loan number was linked to it. I paid this company and every month I called in requesting for any sort of documentation with my loan information or something that shows I owe them money. They responded every time with " we have all this and we will mail it to within the next XXXX days ''. this continued for over a year and half. I then hired an attorney to represent me and they are still unable to give me paperwork for the property. I have spent thousands of dollars and still no answers. They keep threatening to forclose the property and at the same time keep sending me COVID 19 repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I had two credit card accounts with Capital One and a debit account. I paid off both credit cards when my debit account was closed during my recent two-month stay in XXXX and XXXX ( XX/XX/XXXX - XX/XX/2022 ). I have repeatedly tried to reach out to Capital One directly and then subsequently disputed the two accounts ' balances using official channels on XXXX XXXX. I was going to escalate this to a small claims court yet decided to correspond with CFPB first per my research into the matter. I have statements with posted amounts zeroing out both accounts. Anything you could do to help would be greatly appreciated, I am a XXXX XXXX XXXX XXXX XXXX XXXX. Times have been very difficult the last two years, and I am very upset about the almost {$2000.00} I spent paying these letters of credit off. I am not even sure why they closed my debit account ; they said it was inactive for 60 days, yet I had paid my XXXX subscription and the previous month 's CC bills with the same debit card. Thank you for looking into this matter for my family and I ; we sincerely appreciate anything you can do especially if it avoids drawn-out litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Covid 19  caused me financial hardship so I could not make my Citi Card Best Buy card payments. I advised Citi of this and instead of working with me Citi closed my card and damaged 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 2023-06-13
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief