BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: MT
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 2 complaints with Equifax, one is dated XX/XX/XXXX & the other is dated XX/XX/XXXX. 

XX/XX/XXXX CFPB case # XXXX the following is what I wrote in the complaint : I am a victim of Identity Theft and monitor my credit report regularly. I recently viewed my Equifax credit report and observed several concerns regarding the hard hit inquiries on my credit report. My 1st concern is that a hard hit inquiry is still reflected on my credit report that shouldn't be and that is XXXX/XXXX dated XX/XX/XXXX. The hard hit inquiry is over 2 years old and is required to be removed since it's more than 2 years old. My other concern are hard hit inquiries that I don't recall authorizing. Equifax - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XX/XX/XXXX CFPB Case # XXXX the following is what I wrote in the complaint : I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As of todays date EQUIFAX has not responded/answered & provide me the results of their investigation. Both complaints are over approximately 45 DAYS. As a result EQUIFAX is knowingly & willingly in violation of the Fair Credit Reporting Act & therefore I will file a lawsuit vs EQUIFAX in small claims court for {$5000.00} if I don't get confirmation from EQUIFAX ON OR BEFORE XX/XX/XXXX. 

The following inquiries need to be removed from my EQUIFAX Credit Report Immediately because they failed to provide me the results of their investigation with physical evidence & the name of the individual they spoke to and confirmed or unable to confirm that the hard hit inquiry was authorized and with permissible purpose by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
State: OH
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 been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. See Attach FTC Report .XXXX  XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A few weeks ago, my accounts were frozen, I have called Chase customer service several times and no one could tell me why my accounts were locked. I have not received a letter or call from anyone explaining why. I have been trying to get MY money out from my account for several days now. Every time I call, they tell me I can go the branch and a branch manager can override and withdraw my money for me, since I am not able to withdraw anything myself due to the accounts being locked. When I do go to the branch, the branch manager is extremely rude and refuses to help me. I even had a representative on the phone in front of her telling me she is able to override and withdraw for me. The branch manager still refused to help me. This has been an awful experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Community Health Investment Company, LLC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX XXXX I was riding as a passenger in a vehicle in XXXX, Alabama while being struck by another vehicle on the driver side. The vehicle in question that hit us stated that the accident was his fault. At the seen of the accident was a police officer that witness the event. The driver and myself was instructed to go to the hospital to make sure we did not have any severe injuries. I went to XXXX XXXX XXXX XXXX emergency room that evening. I was treated by a nurse that took XXXX, beforehand I was ask what happened. I explained about the car accident and ask if they needed my insurance card and she said no we have you on file. I found out that I had a XXXX XXXX and they wrote me several prescriptions. I then questioned the nurse that my insurance carrier is XXXX/XXXX are you sure about my insurance..Do you need it? She stated that it was on file. About a month in half later I received a collection bill through Pasi ( Professional Account Services, Inc ). XXXX XXXX XXXX, XXXX, MI XXXX for a bill totaling {$8800.00}. I contacted my attorney and he sent them a letter instructing them to bill my XXXX/XXXX of Alabama. Since that time, my wife and I have been in the process of refinancing our mortgage but needless to say, Pasi have put a Lien on our home. I contacted Pasi and they stated that they are trying to fix this issue by now filing XXXX/XXXX. We are a few days away from trying to close although our lender ca n't do anything until this Lien is lifted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Entered into a settlement arrangement with Citibank / Home Depot Credit card. Payment agreed to was {$760.00}. Payment was sent as agreed. Citibank successfully deposited the check but credited to the wrong account and never credited my accounts. My attorney and I have attempted to get this resolved directly with Citibank, but to no avail. We have called, emailed, faxed and sent letters over 35 times and are still unable to get the problem resolved.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Was not notified of investigation status or results

Complaint:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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've been getting denied for housing and employment. I decided to finally decided to sign up with a credit report and monitoring service. Thats when i seen a bunch of addresses, a name, accounts, collections, inquiries and many other inaccurate items on my reports.I then received a fraud alert to that my personal information has been compromised and has been found on the dark web. Its been found in a XXXX XXXX XXXX and other data breaches. I didnt understand what that is so I went on a few consumer law attorneys websites and they said that the law says that its credit reporting agencies duty to report only 100 % accurate information, or they can be held accountable. I sent one a copy of my report and they said WOW this is horrible. My report is filled with inaccuracies and accounts that are not mine. They then pointed me to this website because this is a bad situation for me and my kids. We can not find housing and I am running out of time and this is holding me back from moving and getting my family into a better life.Ive also filed a report with FTC I dont understand how this is happening My reports are very inaccurate The only name that should be on my report is XXXX XXXX XXXX The only address should be XXXX XXXX XXXX XXXX, CT XXXX. Also I didnt give any of these companies permission to pull my credit report. I didn't make the inquiries thats shown. XXXX XXXX  XXXX XXXX , US DEPARTMENT OF EDU, XXXX XXXX XXXXXXXX XXXX These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX, There are also accounts in collections that i dont recognize. I've never had an account with any of these companies and they are reporting false information. 
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 2021-09-01
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:
I requested my consumer report on XX/XX/2021 from XXXX, XXXX and Equifax Information Services LLC. When I received the report, there were accounts and inquiries listed that I never gave consent to be reported. According to 15 USC 1681a ( W ) the term " bureau '' means Bureau of Consumer Financial Protection. At no time have I ever signed a contract with XXXX, XXXX and Equifax Information Services LLC ( widely known as two of the three major credit bureaus ) that would allow them to report my private information and/or to third parties. In accordance with 15 USC 1681a ( q ) ( 3 ) this constitutes as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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:
On XX/XX/2023, I sent a certified letter to Transunion via XXXX ( Tracking # XXXX ). The letter was received on XX/XX/2023 per XXXX. The letter is attached. In the letter, I inquired about unauthorized hard inquiries to my report. The letter included all of my identifying information, as well as the specific hard inquiries in question. The letter cited section 609 of the Fair Credit Reporting Act, requesting all documentation and information in my file of the time of the request and the source of the information around the inquiries I asked about. The inquiries do not have permissible purpose, nor did I authorize the inquiries. 
Additionally, the letter requested that, if TransUnion was unable to provide the documentation regarding the inquiries, TransUnion should remove the inquiries from my report. 
On XX/XX/2023, TransUnion sent a letter back that stated " An inquiry is posted on your TransUnion credit report to notify you that a company has received your credit information from TransUnion. Companies can only obtain such a credit report for a legitimate reason ( referred to as a " permissible purpose '' ) ... If you have specific information that the inquiry ... does not relate to you, you can also call us at XXXX. '' This letter did not contain any accompanying information regarding the specific inquiries as requested.

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 2023-01-11
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:
Equifax is furnishing reports breaking federal law pursuant to 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Reports made by furnisher is illegal and should not be on my credit report of account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have made several attempts to get your help with this fraudulent loan made by XXXX XXXX, loan number XXXX. In my last complaints your office keep closing my cases and your summary of my complaint issue on prior complaints are incorrect. I would like to submit another complaint and have my prior complaint amended with this submission. XXXX. I've submitted the Uniform Affidavit and I've had no further response.

I also would like a Confirmed Sll disclaimer and need explanation of how it could be resource that could help me resolve this injustice of 10 years we have endured. I am in receipt of a letter from XXXX XXXX XXXX, Senator office, stating that XXXX XXXX in her XXXX XXXX office has been asked to assist me. I would like our home released from this fraudulent loan and the loan given to it's rightful owner. XXXX XXXX. We did not take part in this loan nor did we receive anything from it. It was done illegally and without us having any knowledge of it. XXXX XXXX did spend 4 years in prison, of a 8 year sentence. When I receive correspondence from your office it has his name as the complainter which in fact it is I XXXX XXXX. It may be because the loan is in his name, please respond to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
I have literally only made two charges with my card since my account was opened. I have tried multiple times to get this issue resolved but customer service representatives were no help. Someone was uses my card through my mobile app.I have tried to get my password changed, but no one can understand me. You can absolutely log into the mobile app and view your card. You do not need a ssn or password!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a XXXX year old XXXX recipient through the US Treasury supported XXXX XXXX Card.  In XX/XX/2017, my debit card was stolen and the fraudsters stole over {$1200.00} from my much needed balance in a matter of two days. Their spendings were clearly on vendors and items that Ive never used before. Due to my old age, I have had my son serve as my fiduciary and has a legal power of attorney to handle my affairs for years now. He called and cancelled the card through XXXX XXXX within two days of the card being lost. However, when we filed the claim with XXXX XXXX, they rejected the claim because my son, who serves as my fiduciary and legal Power of Attorney, had the card ( along with all my other cards ) in his possession last when it was lost. XXXX XXXX says in their denial letter that they are denying the claim in accordance to Federal Regulation E which governs Electronic Funds Transfers : If a consumer furnishes an access access device and grants authority to make transfers to another, such as a family member or co-worker, who exceeds authority given, the consumer is fully liable for the transfers unless the consumer has notified the financial institution that the transfers by that person is no longer authorized. 
They are insinuating that my son is the one who spent the money but he and I have filed a police report ( to exonerates him ) and a simple look at the transaction will show the bank the transaction are done with vendors that we have never used and did not require a PIN. It is shameful for a company ( XXXX XXXX ) that the Treasury department refers its recipients to will to this low to prevent a XXXX year old from accessing this much needed cash. Every other bank weve filed a claim with has always simply refunded the funds while conducting their investigation. The company that should be more friendly to their aged and helpless customers is the one who declines the claims. This money has been outstanding for nearly a year and we dont know where else to turn to. Ive called repeatedly to their fraud department at the number provided on the Denial letter and they havent returned not one phone call. Please please please help us retrieve my much needed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never had XXXX in my 25 years of living nor did I put any comed bills in my name. I sent a letter out to the company for verification but never received a response. This violates the fair credit act XXXX XXXX XXXX XX/XX/2022 {$410.00} SOUTHWEST CREDIT SYSTE XX/XX/2022 {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have XXXX XXXXXXXX garshment of my wages. They will give me credit on my credit report after almost having it paid off. Transunion will fix my credit report after dispute it XXXX something time. They it fixed right of course XXXX XXXX had a data breach in 2019.

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 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was charged the amount of {$1.00} XXXX, and this kind of scam happened first time in my life, I am with Capital XXXX for so many years but when I contacted them and XXXX they didn't even want to try to help me, they were rude and denied my case many times, I can not accept that someone just can steal my money this way and I believe there is the way to make them responsible. Thank you for doing it, I really appreciate your help. 
The transaction was posted on Friday, XX/XX/2023. 
Name on this transaction : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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: Account information incorrect

Complaint:
The lease payments have been made in their entirety, and my credit report shows that payments were not made from XX/XX/XXXX through XX/XX/XXXX ( see attached ). This is not correct. If you look at the attached payments made with confirmation numbers from XXXX XXXX XXXX, it shows proof that payments have been made totaling {$6700.00} during that specific period. Further, the balance on my credit report states that I owe {$3900.00}. If you look at all the payments from XX/XX/XXXX, through XX/XX/XXXX ( end of lease ), the total amount paid is {$9000.00}. Clearly, this is an accounting error on XXXX 's side that needs to be rectified.

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 2018-12-23
Company: Experian Information Solutions 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 status incorrect

Complaint:
My mortgage was sold to XXXX XXXX  by XXXX XXXX. When the account was closed by XXXX and a new account opened by XXXX to changed my average age of accounts. This caused my credit score to drop by 22 points at XXXX and 25 points at XXXX. Those are 'XXXX XXXX XXXX ' numbers. It dropped 28 points with Experian using XXXX XXXX XXXX. 

Banks buying and selling accounts is very common. The consumer should not be penalized for what banks do in their own time. I have done nothing to deserve this. 

I am relocating to a different state in 2019, and this is very terrible timing. My score will be lower as a result of something I had no control over. This will affect me when qualifying for a new mortgage and the interest rates I will be offered. 

The Average Age of Accounts might have some benefit toward risk assessment, but it makes my 30 years worth of credit look like I just opened my first account.This is an unfair business practice.

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