BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: IL
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:
The complaint below was sent to Equifax, XXXX and XXXX in XXXX. So far XXXX and XXXX did their part. Equifax has not responded about the status of my dispute with XXXX card. Nor can I get into my Equifax account online. I want this XXXX card removed from my credit report. Theres a 30 day late mark that should not be there due to fraudulent activity with this credit card. XXXX failed to send paperwork for dispute that I put in which, I did inform several XXXX reps. I want this 30 late mark removed from my Equifax report **previous dispute below** XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, 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:
Every credit reporting agency has removed these from my report EXCEPT for Equifax. 

Equifax failed to provide me with documentation and PROOF that this collection and collection amount belongs to me. It needs to be removed immediately. 

XXXX XXXX XX/XX/2022 {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXXXXXX XXXX  account XXXX XXXXXXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX, HAS violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Purchased Cashiers Check for {$10000.00} on XXXX from Chase Bank in XXXX XXXXXXXX XXXX  Check made out to financial adviser in XXXX XXXXXXXX XXXX  and mailed to that company. Check was intercepted at some point and fraudulently cashed and deposited into account number XXXX at XXXX XXXX XXXX XXXX. We received copy of fraudulently cashed check in late XXXX and filed a declaration of unauthorized endorsement and submitted to Chase Bank, XXXX XXXX XXXX on XXXX. Chase Bank did not forward declaration form to their customer claims division until early XX/XX/XXXX due to an error on their part regarding who to submit to. Once submitted to customer claims we worked with them connecting multiple times to ascertain status of the case. We were told repeatedly that they were waiting for a response from XXXX XXXX XXXX XXXX and therefore were unable to return the money into account. On XX/XX/XXXX during a subsequent call to Chase Customer Claims we were informed that they can not pursue this matter as it involves a cashiers check. We were never informed of this during the multiple contacts and after XXXX months it feels disingenuous to be told you need to start over with another faction of Chase Bank. We have been out {$10000.00} since late XXXX and Chase Bank is refusing to assist or take steps to have the money returned to the legitimate owner. We feel this service is completely unacceptable and would like your organization to investigate this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX, HAS violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company 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 2022-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FCRA.The account below has violated my federally protected consume rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  # XXXX has violated my rights to privacy. 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.15. USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXXXXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX XXXX  credit card XXXX  XXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on my 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 2022-06-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX XXXX credit card XXXX XXXXXXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and someone used my personal information to obtain goods and services in my name without my permission. 

I did not benefit from any goods or services of these fraudulent accounts. I have attached a copy of my police and FTC report for Equifax to block and remove these fraudulent accounts immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2022-06-27
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:
I dispute all of the following debt In accordance with the fair Credit Reporting act Account number XXXX XXXX XXXX XXXX was added I was not notified of this unknown debt has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my right federally protected rights to privacy and confidentiality under U.S.C 1681. 
XXXX XXXX acct : # XXXX and XXXX  acct : # XXXX and XXXX acct XXXX # XXXX. 

15 U.S.C 1681 Section 602 A States i have 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 2022-11-29
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My issue is an overfunded escrow account which has increased my monthly payments to {$360.00}. mth. The first time this happened, my mortgage company told me my taxes had increased. I'm a senior with senior freezes and homeownership freezes. After investigating with the county, for some reason, Shellpoint was estimating my taxes higher. At the end of each year, I receive a refund. I was paying {$1100.00}. mth, and my monthly payment should have been {$880.00}. mth I live on a fixed income with little room to waggie. The issues in XXXX  the mortgage company again raised my monthly payment. Again I protested and came to the point I could no longer make the payments. On the XXXX of each month, I sent {$1000.00}. They would accept the payment and mark my credit late for 10 months. I was in constant contact but they said they couldn't do an escrow analysis until the end of the year and sent me a check in XXXX for the overpayment. 

Now, after a two-year fight, I have bad credit. This is my problem. I've asked the mortgage company to correct my credit report since I was only supposed to pay {$880.00} mth. I'm looking to see if I have any rights to make the mortgage company change its reporting. Attached is the XXXX XXXX tax bill amount and how much they paid. I sent them a request and their responses need more info XXXX XXXX

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 2022-09-21
Company: Phoenix Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a copy of my credit report and realized some information was inaccurate. I would, therefore, want to file the following dispute ; I have the same name and address as my father this has to be a mix-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This bottom feeder business is attempting to collect an alleged debt that is well past the statute of limitations for both credit reporting and/or legal action. Upon receipt, the business should immediately cease and desist all activities for an alleged debt on XXXX account : 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 explanation
Consumer complaint received 2022-06-27
Company: Service Finance Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Within the past 8 months, I obtained a 0 % interest loan, from a third party for septic services. After my first bill was received, I noticed that it only allows 15 days from the time the bill is issued, but when it arrives, it only allows for 7. This gives no grace period if something gets delayed in the mail. This is also a lender that requires banks to mail checks for payment, and not electronically pay. That means the day after the monthly statement arrives is the latest you can use a bank 's billpay service. 

The monthly statement also does not list : Previous months payments It does include very confusing, unclear, lines about current promotional balance due and Initial balances, but no application of payments. 

I did call in about both these issues, and the customer service person acknowledged the issue, but offered no solutions. This is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint is connected with my two previous complaints about XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX . 
This complaint is to do with Wells Fargo XXXX Bank in XXXX XXXX. 
Mr. XXXX XXXX XXXX got me to send Mr. XXXX XXXX, who is a customer of Wells Fargo XXXX Bank {$2000.00}. The receipt is attached. When it became obvious that Mr. XXXX is not returning money, I instructed my bank XXXX XXXX XXXX to recall the payment, which is what they did. However, Wells Fargo XXXX Bank never returned the funds.

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 2020-04-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I use Experian to monitor my credit. They have bc a score simulator which I have been following for months. Each time to take action I see my score change. I address the issues and fix and see my score increase. 

There is NO new debt or reason that my score fell 14 points from last week until now? Experian has NO explanation yet they continue charging me for a membership. I need to know why my credit fell 14 points when I have only been doing everything they told me to do to improve my credit. 

I have been on the phone with them for 2 hours, transferred 4 times and was disconnected 2 times by them. I have worked hard to improve my credit. Why when only cc debt has been paid to a zero balance does my score fall 14 points without explanation? Why are they doing Bbb this during a pandemic by the way, even more when I set my priorities on paying down debt during this pandemic am I seeing negative reflection on my score? I am Taking screenshots and this no explanation for lowering my score is causing harm to me and my family. Please address this.

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 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The purpose of this communication is to file a complaint against Chase Bank for stealing and withholding my funds that was deposited into a new business account. 

On XX/XX/2023 my business, XXXX XXXX XXXX XXXX XXXX sent a wire to JP Morgan Chase to establish a new business bank account for investments. I, XXXX XXXX, CEO of XXXX, went in person to my bank, XXXX XXXX to do the wire around XXXX on XX/XX/2023. The wire was XXXX XXXX dollars. 
My Bank told me that it should take 1-2 hours for the wire to be in the account. 

When I reviewed the Chase business account around XXXX that night the wire had not made it into the account yet. I called the fraud line and told them I had some concerns about the account since the wire was not in my bank and asked that the wire be returned to my bank and freeze the account. The fraud department told me that that would not be an issue since the wire was still pending, they could easily return it to my bank the next day. 

The next day I contacted XXXX XXXX about a returned wire, and they indicated that they did not receive a wire bank from Chase. I then contacted Chase and was transferred multiple times regarding the status of my wire. I was then given a call by business banker and was told that the wire would be returned to XXXX XXXX on Tuesday XX/XX/2023. 

On Monday, XX/XX/2023 when I went to log online to the JP Morgan Chase account on Monday I was locked out of my account. I was then given a call by the business banker saying that Chase had decided to close out the relationship and they will be mailing a check back to me. 

They could not give me any information on what was going on and why they could not return the funds to my originating bank via wire. As of today, XX/XX/2023 I received a call from Chase telling me that they will be holding my funds until the end of the month. They will be conducting an investigation on the source of my funds and will mail my funds at the end of the month. 

None of this makes any sense but speaking to a representative from the XXXX XXXX XXXX, they explained that they have received numerous complaints about Chase Holding Deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputing information that is incorrectly listed on my credit profile with all three major credit bureaus. 

The account is listed as XXXX Balance : {$4500.00} Balance Updated : XX/XX/22 Credit Limit : {$4500.00} This information is inaccurate as the credit limit is {$5000.00}. I have taken screenshots from the mobile app as well as the portal showing this to be correct which means that this must be reflected on my credit reports immediately. 

I have attached the screenshots as well as a copy of my ID for verification.

Company response to consumer: Closed with explanation