BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-07-16
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Wanted to send {$1600.00} to XXXX, a business that sells gem rough. I negotiated for a week to buy a certain piece. I wired with WU using my debit card XX/XX/2020 XXXX XXXX Refunded XXXX Tracking # ( MTCN ) : XXXX XXXX XXXX It was cancelled after three days of not letting the recipient collect., money refunded XXXX resent the same wire XX/XX/2020 XXXX Tracking # ( MTCN ) : XXXX XXXX XXXX they still refused to give the money in XXXX. 
This is still on the record but refund not made as of today XX/XX/2020 I spent a half day trying to get an explanation and have saved chats. So they say the XXXX was cancelled, but my money is still with WU. I resent the wire again, XX/XX/2020 XXXX XXXX In progress XXXX Tracking # ( MTCN ) : XXXX XXXX XXXX Again, Money held XXXX XXXX XXXX. After waiting an hour for WU phone department to take my call, ( Telephone is limited to XXXX and the people are not trained to understand anything. ) They told me it was okayed, and then after ten more minutes told me it was cancelled for the third time, they said they suspected a scam. Meanwhile recipient does not want to do business with me again, WU in XXXX told him I had put a hold on the money. So as of last night my bank account was down to zero and WU had 2x {$1600.00} of mine including service fees. 
They also use an exchange rate 7.5 % lower than intl. exchange rate, and WU customers may think that the exchange rate shown is the official exchange rate, but it is way lower. It is a deceptive business practice. Also, it is not " money in minutes '', it days to wait for cancellation and refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, INC.
State: LA
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 wanted to start building my credit because I am close to the age where I want to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card i applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown item that do not belong to me. Please remove these fraudulent items from my report. XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 am purchasing a used boat. Bank of America has a ships mortgage on the XXXX XXXX title that they have not released. We have tried numerous channels to get a response from B of A with no response. This is a 20 year old loan that we confirmed was paid off in XX/XX/2004. Again, big bank no consequences for no responding to consumers who aren't putting money in their pockets. What can I do??

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 2020-11-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
I purchased sneakers from a merchant online on XXXX XXXX, 2020 for {$1000.00}. After not receiving the package, I filed a dispute with my credit card XXXX Chase bank ). The merchant provided me with a fake tracking number - according to XXXX, the tracking number that the merchant gave me did NOT match my name and address. 
I sent evidence to my bank that the merchant provided me with a fake tracking number but they are taking the merchant 's side. 
They're taking the merchants side because the XXXX tracking number reads that the package was delivered to an address in XXXX XXXX, CA ( the city where I live ). I tried to explain to them that this was a common fraud practice where the merchant uploads an already used tracking number. They're ignoring the evidence that I sent them that proves that the tracking number doesn't match my name or address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a XXXX  card opened on XX/XX/XXXX. which was closed around XX/XX/XXXX i believe the date was. To make a long story short XXXX had agreed to remove this card completely off my credit file. It is still showing on my closed accounts. I had called them early XXXX and a few other times in XXXX about this & they said on the phone each time it would be taken care of. I am currently looking at my credit report and still see it there. Which is why I am coming to you guys. I just want them to honor what they said and remove this from file. I have an attached screen shot of the account. Again all I am looking for is for XXXX to honor what they said they were going to do and remove this closed account from my file. Thank you

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 2023-04-19
Company: DISCOVER BANK
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:
yes I have I have requested that they send me a sign application for the the cc that they keep verifying stating that its me all they send me is a pack of cc transtaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}, XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$690.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: NY
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:
As a consumer, I have a right to privacy. I did not give any creditor or credit reporting agency written or verbal consent to furnish any of my personal information to XXXX. I recently received a copy of my XXXX, Equifax and XXXX credit report, and I noticed some late payments posted on my credit report. 

XXXX : 5 Missed payments XXXX  XXXX : XXXX Missed Payments XXXX  : 2 Missed Payments XXXX XXXX XXXX XXXX  2 Missed Payments XXXX XXXX XXXX : 1 Missed Payment Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions in this matter includes payment history, because it's my transactions with the line of credit that the person " corporation '' extended to me the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
NewRez is the holder of my mortgage. They simply will not answer phone calls, return phone calls, or return emails. Trying to contact them about Covid-19 relief has been impossible for over 2 weeks now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NORDSTROM/TD BANK Account Number : XXXX Date : XX/XX/2015 Amount : {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1800.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I had GAP insurance which covered the remaining balance. I have attached a copy of the GAP insurance policy from XXXX XXXX. There is no outstanding balance due and therefore there is nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax never notified me of investigation status. I just received alerts that XXXX changed. Equifax opened up disputes in accounts that I NEVER requested to be disputed and added comments. These are all in good standing and I have nonissues with the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: EQUIFAX, 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 status incorrect

Complaint:
I filed a complaint with the CFPB to get validation for XXXX XXXX. The company stated that they were unable to validate my account. see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX, I recently went to XXXX XXXX to see my credit score as the only thing i ever did was have car insurance. I come to find out someone somehow using my identity. There are accounts opened 100 % not authorized by me as I never had a credit card. My cousin recommended this site for the best course of action. On XX/XX/2020 I tried to call XXXX XXXX, XXXX XXXX, XXXX XXXX and explain to them this isn't me to try to find out what was going on and they said I have no proof. I have no idea who paid these bills how someone got these cards if maybe I'm being confused with a different person. Any help on this greatly appreciated. I had told them under the fair credit reporting act I had the right to know what was going on but they kept me giving me run around so I have these cards now filled with late fees and payments i do not owe and i did not authorize any of this. This is 1000000 % fraud. I am going to attach some files on here so you guys understand. Please help thank you.

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 2023-05-11
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:
I was looking to purchase a vehicle on XX/XX/2023. I went to XXXX XXXX and they told that I had 30 to decide if I wanted to keep the car. After driving the vehicle for a couple of weeks my family and decided that this vehicle wasnt for us.I returned the vehicle in a little of two and was told that since I wasnt happy with the vehicle I could complete the proper paperwork and none of this would appear on my credit. Its XX/XX/2023 and I get a notification that XXXX account # XXXX has put this vehicle on my credit 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A Citi AAdvantage XXXX XXXX XXXX XXXX was opened in my name without my knowledge. I called them immediately and reported it to Citi 's fraud department, then I filed disputes with the 3 credit report agencies, XXXX, XXXX, and XXXX, that the account was fradulent. So far, XXXX and XXXX have not allowed my dispute saying that Citi said the account was correct however when I call Citi, they say the account was fradulent and they have closed it, but they will not acknowledge this and update the report to the credit agencies.

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 2020-12-04
Company: Net Pay Advance, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Netpay advance customer service has called me trying to collect a debt that was not due and has drafted and given out my information to third party companys without my agreement or consent. I was contacted today and had to record the debt collector at XXXXXX/XX/XXXXXX/XX/2020 from them trying to illegally collect money and try to draft my checking account that I have a case report for XXXX this month and Netpay Advance had to refund me after they drafted a full loan pay off not agreed to and I filed this complaint after their company workers have called me to scam and illegal draft again explaining that I am past due and broke payment arrangement. I am attaching proof that this company need to be reported for harassment after asking for my identity information decided to pretend that their was never any arrangement and I have proof if they reply to the stated one explain that was changed after a collection employee with Netpay tried to charge unaffordable amount due monthly and their Supervisor lowered the payment due on XXXX that XXXX tried to scam me into paying when I am being harassed to pay his agreement and it was changed from over XXXX dollars due and I have proof when the Netpay Advance accuse me of not having the agreement changed proof. The calls were blackmailing and harassing and I have proof that this company should be sued and my account be credited for their threatening debt calls to collect from consumers with their false accusations to collect and their demanding when the account is not past due and the consumer not due to be contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: VA
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance 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 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 2022-05-20
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
N Accordance with the Fair Credit Reporting Act XXXX  Account # s & Names XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has Violated My Rights 15 U.S.C 1681 Section 602 States I have The Right to Privacy.

15 U.S.C Section 604 Section2 : It Also States A Consumer Reporting Agency Can not Furnish A 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 2019-10-10
Company: Experian Information Solutions 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:
I disputed the following account with XXXX XXXX XXXX XXXX because it was not my account and was opened fraudulently by someone else in Pennsylvania. I have never lived in Pennsylvania nor have I have been associated with the address on my credit report. I had asked them in the past to remove address as it is related to identity theft. I sent in a ftc complaint for this account and it was removed from my credit report. Experian has reinserted it on my credit report after deleting the account.

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 2023-06-27
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer ham demanding the de accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation