BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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:
During the months of XXXX, XXXX and XXXX I have consistently notified all three credit reporting agencies that the name and negative credit information on my credit report belongs to someone else. I personally believe they are ignoring information such as : SS #, Address, account # s and the name and information of someone who has never appeared on my credit report for over 30 years of my life is now being added to my credit file on a monthly basis. I dont know who this person is and I have disputed these illegitimate entries but I truly believe the credit reporting agencies are purposely gathering false information or purposely not ensuring they have the right consumers information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, 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:
On my XXXX it states that I am deceased I received a letter from the credit bureau stating that that would be removed from my credit report its been almost a month now and they have not removed it from my credit report it still shows that I am deceased I would like to have that removed from my credit report I have copies of the credit file confirmation number XXXX stating that it been removed from my credit report but every time I check my credit report it is still there Im gon na enclose the confirmation file stating that its removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: DISCOVER BANK
State: NY
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: Problem with personal statement of dispute

Complaint:
Discover is reporting to all the credit reporting agencies that the line of credit is open, available for use. Its showing {$1400.00} available ; however they had suspended my account years ago with no immediate plans on opening it, so I technically dont have access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CJA Auto Sales, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have spoken to  XXXX  at this company several times and come to find out, she is recording my phones calls without telling me that they are recorded. I found this out through another customer that is having the same issue with this company. This company has used scare tactics and threats to me and my husband. I have repeated several times told this company that my husband and I do not have money to pay and I have even sent them documentation proving my  XXXX  status with Social Security and my husbands status. They still are pursuing us and making threats, the last phone conversation I had with  XXXX , she recorded it and did not advise me of this, or the fact that this was attempt to collect debt, never have they said this to me during any of our phone conversations. This company is using unfair collection tactics that are against the law and I would like them investigated please. I have heard countless stories about them and I also have my own experience. I have been in contact with an Attorney and will file a law suit for this unlawful behavior. I have told this company and even provided document to further prove out financial situation. We are filing Bankruptcy in a very short order and I have also told them to stop contacting me and I still get emails from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted all 3 Credit Bureaus on multiple occasions about fraud that was on my account and even sent in a police report and they keep giving me the run around saying they did not receive it. I mailed it to them 2 times and faxed it to them 2 times swell. Please help me with this situation, because this is not right. I am the victim here and they are not honoring a valid police report. If not corrected then I will have to file litigation which should not be pessary because I have a report that I filed showing identity theft.

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 2022-12-15
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
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:
I did not initiate these inquiries section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please kindly check the FTC REPORT I ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Incomm Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a Vanilla Visa XXXX for the amount of {$50.00} plus fees. It was supposed to be delivered within 24 hours if not sooner. After a few days the recipient still did not receive it. She looked in junk mail, deleted and her regular email account. I wanted to cancel, but after different phone numbers and numerous phone calls I was not able to resolve it. When I did get an answer the woman did not seem legit. Many clunking noises as she looked up my account. Said it was delivered, but was not. Created a dispute with my credit card, but then the recipient found three in her deletes which was not there before. I am unsure if there is a balance, but will check with friend. Terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not initiate these inquiries section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please kindly check the FTC REPORT I ATTACHED

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 2017-06-14
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
All denials and discrepancies seem to be intentional and unethical. I was approved for a forbearance less than 4 months ago and no changes have occurred with my income to date, in addition my expenses have decreased.     When contacted by CHase  Executive Office I a m always assured that there are no findings on their internal audits.  <P/>   X/XX/2017 - Appe al submitted for denial and request for income calculations since occupancy is no longer an issue.      X/2017 - 3rd modification was denied for insufficient income.   XXXX  - 2nd modification was submitted and not processed until a complaint was filed with CFPB  X/XX/2017 - Mod  ification application approved for forbearance, then denied for an internal error that reflected an occupancy discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I lost my job during Covid 19 XXXX of 2020, XXXX XXXX had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!

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 2022-01-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I lost my job during Covid 19 XXXX of 2020, XXXX XXXX had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On  XXXX   XXXX ,  2017 , I was approved for a secured credit card with CitiBank. The card the was supposed to arrive on  XXXX   XXXX . The card did n't arrive. I called CitiBank to ask what was going on with my card. They told me to wait 10 days to see if the card arrives in that time. I waited the ten days, and the card did n't arrive. On  XXXX   XXXX , I called them again to see what was going on. They told me to wait until the end of the day, as the card  may  arrive during that time. The card did n't arrive. I called the next day and was told that they could n't send it to me because of security reasons. Getting frustrated, I called again that same day, and I was told to wait another 10 days for a replacement.   XXXX  I am tired  of CitiBank 's ina bility to get me my card on time, and that is why I file this complaint.

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 2022-09-12
Company: Experian Information Solutions 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:
I did not initiate these inquiries section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please kindly check the FTC REPORT I ATTACHED

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX  XXXX XXXX Balance : {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
since XXXX XXXX XXXXXXXX I have been having problems with online banks running my credit, while reviewing my current report it seems like the issue origionated with trans union and I have XXXX years experiance reading credit. I notified them and the patched my call over to XXXX XXXX  whom is a credit repair company. Per secition 609 of fcra there required to update and fix my information which has been sent 3 times since XX/XX/XXXX yet they are not removing it. Seems like this all stemed from putting a freeze on my report from XX/XX/XXXX to XX/XX/XXXX once the 90 day freeze lifted I got wacked with XXXX hard pulls and XXXX pages of promos which it appers like trans union sold my info to begin with then refer me to credit repair,,, Can you say criminal conspiracy rememeber I have XXXX years experience reading credit. I dont apply online for anything or even pay bills online do to lax security its hurting my credit report an easy XXXX points

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 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. 

I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. 

I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. 

No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: SC
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, XXXX 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 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 2017-04-11
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and have some fraudulent and unauthorized collection accounts and credit inquiry listed on my Experian credit report that do n't belong to me. The following accounts do n't belong to me : XX/XX/XXXX, XXXX , XXXX {$1200.00}, XX/XX/XXXX, XXXX/ XX/XX/XXXX , XXXX/XX/XX/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 2020-04-22
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2020, I filed for unemployment through XXXX. After countless hours over a course of several days being in touch with XXXX, I was approved for unemployment benefits and they said I would be receiving a prepaid MasterCard  through Way2Go. For unemployment benefits, the Way2Go card can take anywhere from 7-10 business days to arrive. On XX/XX/2020, I received an e-mail stating my prepaid card had been shipped. Although, technically it should have shipped weeks before this. I have not had any updates since then. I spent XX/XX/2020 trying to get in touch with customer service on the whereabouts of my card. Also trying an array of ways to get in contact with them. I've spent well over 15 hours on wait time with no answers, the call has been disconnected, or have not gotten any answers as to where my card is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I made a check for {$70.00} to pay   XXXX   on  XXXX   XXXX ,  XXXX . I noticed on  XXXX   XXXX ,  XXXX  the check for {$5700.00} being paid from my account. The check was altered and made  Payable  to  XXXX   XXXX  along with amount of {$5700.00} and not the {$70.00}. I contacted the Bank of the West branch  manager   XXXX   XXXX  about the problem. He said he would handle it.   I was also the victim of another altered check at the same time period from another bank and I was credited for that amount in a couple of weeks. That other check was also altered and Made payable to  XXXX   XXXX  for {$5800.00} and I had made it to the city of long beach for {$500.00}.   I insisted with  XXXX   XXXX  my branch  manager  for months after and said he was checking on it ...  XXXX  of  XXXX  came and he informed me that the bank was not going to credit me

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 monetary relief
Consumer complaint received 2017-06-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Monday  XXXX   XXXX  I went in to Chase Priv ate Client branch located at  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . I asked for a private account. I was tricked into believing a ge ntleman was working for the FBI and investigating the bank and my inheritance was basically stolen from Chase Bank NA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have not recieved a notice that my mortgage was transfered and the new company stated that I am past due but they have not issued me a bill. Neither company has issued me information on the transfer.     Company  1 -   XXXX   XXXX   2- Selene Fianance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Ingo Money, Inc.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE EMAIL REQUEST ABOUT IM HAVING DELAY PROBLEM ISSUES WITH BUSINESS FINANCIAL COMPANY GOES BY THE NAME OF INGO MONEY INC SO ASLO I CAN EXPLAIN MORE DETAILS ABOUT THE PROBLEM ISSUES IM HAVING WITH INGO MONEY INC SO THE BUSINESS FINANCIAL COMPANY OFFER CHECK CASHING SERVICES FOR SMALL FEE OF FIVE DOLLARS PROCESSING FEE SO THE MAIN PROBLEM ISSUES IM HAVING WITH INGO MONEY INC SO THEY HAVE CLOSE MY ACCOUNT AGAIN THAT I CURRENT PROCESS CASH PAYROLL CHECK THREW THIS MY SECOND TIME IN ROW HAVING DELAY PROBLEM ISSUES WITH CHECK SO I RECIEVE XXXX DOLLARS CHECK IN THE MAIL TODAY AND AFTER I FIRST RECIEVE THE CHECK I READ OVER THE CHECK I SIGN BACK OF THE CHECK ENCLOSE AND WENT TRY TO CASH DEPOSIT ITS INTO MY INGO MONEY APP ACCOUNT & THE ERROR MESSAGE IM GETTING FROM  MY INGO MONEY APP ACCOUNT ITS SAY MY ACCOUNT HAS BEEN PUT ON HOLD AGAIN AND THEY DID NOT CONTACT ME BY MAIL ARE EMAIL ARE BY PHONE TO LET ME KNOW MY ACCOUNT HAS BEEN CLOSE AGAIN SO THIS PROBLEM ISSUES HAS CAUSE VERY HARDSHIP TIME WITH THE BUSINESS AND CONSUMER CUSTOMER SO IM THINKING WHY THEY KEEP FREEZE MY INGO MONEY ACCOUNT ON HOLD INGO MONEY CUSTOMER SERVICES PHONE NUMBER XXXX  INGO MONEY INC EMAIL ADDRESS XXXX unapproved check purchase amount CHECK TRANSACTION PURCHASE AMOUNT DID NOT GO THREW WITH THEM FUNDS DID NOT CLEAR INTO AMERICAN EXPRESS PREPAID BLUEBIRD CARD ACCOUNT SO INGO MONEY INC ARE NOT GOOD COMPANY TO DO BUSINESS WITH

Company response to consumer: Closed with explanation