BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear XXXX  XXXX XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it.

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: NJ
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:
What happened? 


I sent a letter XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE XXXX SEND ME THE RESULTS. 

And they also did not even record the current status of the disputed information which is another violation. 

I have all the evidences attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter on XXXX XXXX XXXX different address associated with Experian asking them to investigate my account. Here are the tracking number ( XXXX ) : XXXX XXXX XXXX It has been over 30 days. This consumer reporting agency is in violation. 

According to 15 USC 1681i - Experian has 30 days to investigate and send me the results. 

They also did not even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.

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 2023-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have recently purchased a home and have an escrow account through Chase bank to manage property taxes in XXXX. The escrow account paid my PRIMARY property bill late, then charged me the late fee. I spoke with Chase 3 times about this matter with no resolution. Initially I had to tell them multiple times this was the primary ( non-supplemental bill ). 

Then they said the county failed to send the bill. I called the county and they claimed otherwise ( not to mention the bill itself has a " Corelogic '' tracer number, indicating that the County did pass it onward ). The bill itself states that the mortgage company requested my tax bill.

Chase 's representative changed the story again, and claimed they paid a tax bill ( a supplementary one that we paid, as it is not Chase 's responsibility ). Oddly, they paid this small bill, but not the bill they are responsible for ( which matches the exact amount due and what they calculated we withold ). When asked why they did pay, but late, Chase claims their system scans for errors and caught the unpaid bill and paid it. 

I am in total confusion that Chase thinks I should cover this late fee. The account had the funds present for this purpose and they appear to have failed at their fiduciary duty. At this point I will write a " RESPA '' complaint as multiple phone conversations have failed to solve the problem. Chase needs to pay the late fee for their late payment of my property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had account with Wells fRgo the claim they frozen my account there was over {$4000.00} in my account they frozen it I don't know why they was mean about it

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 2023-04-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/ account # XXXX was opened under my name without my knowledge or consent and was used and left a XXXX balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$410.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In mid XX/XX/2022, I was notified by my Homeowners Association ( HOA ) that three of the ACH autopays for dues ( XXXX, XXXX and XXXX ) that should have originated from my Wells Fargo ( WF ) checking account had been voided on XXXX XX/XX/2022 and therefore my account was delinquent. The HOA management is adamant that these payments of {$350.00} each, never reached its account. 

After trying to resolve the issue by telephone with WF, I made an in person appointment at the XXXX XXXX branch on XXXX XXXX to explain the situation and try to get information from WF 's side on the payee and other details of the missing payments. The banker I met said that he would try to get the appropriate details. After not hearing from the branch for several days, on XXXX XXXX I called the WF customer service toll-free number and filed a formal claim ( nr. XXXX ). XXXX, XXXX XXXX, the banker that I met on XXXX XXXX telephoned me to inform me that my claim was being followed up and I would soon have news. 

XXXX, XXXX XXXX, I checked the web page for my account and since it said that no claims were outstanding on my account I called again WF customer service who confirmed that a claim was open. They transferred me to the claims department and after a long wait, I was told that the claim was being closed because the deadline of 60 days had passed and no information is available on the transactions in question. 

I told the WF claims rep that to address their negative answer I would file a claim with the CFPB.

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 2023-04-27
Company: ALLY FINANCIAL INC.
State: OK
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 refinanced my vehicle from ally financial to XXXX XXXX XXXX XXXX. XXXX XXXX  requires a car lien for me to take to the XXXX. Failure to provide the lien by XXXX will raise my interest rate and possibly damage my credit. On XX/XX/2023 ally informed me they mailed my title/lien release XXXX I have yet to receive it as of time of writing, XX/XX/2023. I contacted Ally on the XXXX asking where my title/lien release is and they said they can not sent it to me, and instead already sent it to XXXX XXXX XXXX XXXX XXXX denies ever receiving this. I requested ally send it to either me or XXXX XXXX and provided the address that XXXX XXXX prefers. I would like to receive my lien release well before my XXXX deadline.

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 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023, I applied online for a line of credit. Bank of America immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of 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 2023-04-17
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it may concern : I applied for a Discover Secured Card XX/XX/. On XX/XX/ XXXX was debited from my account by Discover, for my security deposit for the card. 

XX/XX/ : I reached out to Discover Secured Card Service and closed my account and requested my security deposit of XXXX be returned. I was told my refund would be returned in 7-10 business days. 

I reached out to Discover somewhere in XXXX and was told that my deposit was being processed and my XXXX deposit would be returned after two billing cycles. Considering I never had a billing cycle, I am unsure how they were calculating a billing cycle. 

XX/XX/ : I reached out to Discover once again and was told that my refund had not been processed, the agent assured me she was submitting for it to be processed and I would receive it in 7-10 days. 

I would like to receive my deposit back as it has been 60 days. Discover debited my account in two days but I am getting the run around when it comes to getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 called all unauthorized inquiries and they denied to remove any information and didn't want to work with me on investigate this unauthorized inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$410.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Self Financial Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
while I was away in Florida training from XX/XX/XXXX- XX/XX/XXXX for a XXXXXXXX career. When I returned home to start inquiring about buying a home back home in Georgia, I pulled my credit report to check status and notice a few accounts on my file I did not apply for. I called the companies on my credit report and they said that it was accurate. I told them that it was not me I was in Florida and that it had to a mistake. I talked with the loss mitigation department with each company, and each one informed me to file a report of identity theft and submit the required documentation to so that they can initiate an investigation and have my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt validation Letter along with a copy of my credit report was sent on XXXX XX/XX/ to Acima Digital, which Acima received on XXXX XXXX XXXX The debt validation letter is attached. I received a response from Acima on XXXXXXXX XXXX XXXX, stating that the dispute was frivolous or irrelevant and the determination was that I did not provide sufficient information to investigate the disputed information. The additional information that they requested was sufficient information to identify the account. I have never done business with this company nor know who this company is. How can they legally just say that I owe this money, without providing me proof that I had a financial agreement, as well as they need more information that I do not have? They have my name and address along with the only information that I have pertaining to this account is a partial account number, that is printed on my credit report. How many people with my first and last name have an account and or lease number with the same numbers in it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Fraud, overcharged, couldnt open 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 explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: CA
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 Accounts # XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.. 

XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX XXXX  Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX XXXXXXXX acct # end XXXX XXXX. XXXX XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX Acct # end 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 2023-06-11
Company: JPMORGAN CHASE & CO.
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:
I am filing this complaint because JPMCB has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: CA
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:
Hello. 
I am writing in connection with a late payment reflected on my XXXX Credit Card account on XX/XX/2022. 
Note please, that as a responsible customer I have always done my best to meet the deadlines and respect the financial obligations that I have. Taking the above mentioned into consideration, I do inform you that the payment of my XXXX card dated XX/XX/2022, is no exception. Please be informed that the payment was made via phone, yet due to badly suffering from XXXX, I was unable even to collect the phone at my hands and check whether the confirmation number was received, and non receiving of the number resulted in a late payment reflected on my credit bureau reports and affecting my credit score. 
I tried to contact XXXX, explain the situation and resolve the issue with them, but unfortunately I didnt get any assistance or understanding there. 
I kindly ask you to give me a second chance and make a goodwill adjustment to remove the late payment. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debths. 
Looking forward to your prompt answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello. 
I am writing in connection with a late payment reflected on my XXXX XXXX XXXX account on XX/XX/2022. 
Note please, that as a responsible customer I have always done my best to meet the deadlines and respect the financial obligations that I have. Taking the above mentioned into consideration, I do inform you that the payment of my XXXX XXXX dated XX/XX/2022, is no exception. Please be informed that the payment was made via phone, yet due to badly suffering from XXXX, I was unable even to collect the phone at my hands and check whether the confirmation number was received, and non receiving of the number resulted in a late payment reflected on my credit bureau reports and affecting my credit score. 
I tried to contact XXXX, explain the situation and resolve the issue with them, but unfortunately I didnt get any assistance or understanding there. 
I kindly ask you to give me a second chance and make a goodwill adjustment to remove the late payment. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debths. 
Looking forward to your prompt answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2023-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited by paycheck in person to a Bank of America XXXX on Friday the XXXX around XXXX I was told by the teller the funds should be ready by the next day. At two in the morning I received an email from Bank of America stating they were holding my check, no funds available until XX/XX/XXXX. I have a photo copy of said email.

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