BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-28
Company: EQUIFAX, INC.
State: NM
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:
Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Never received any correspondence from this company. This debt has been discharged through bankruptcy in   XXXX    2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
According to 15 U.S.C 1681i it states i have the right to recieve a letter in the mail saying things are being disputed and investigated. XXXX  and XXXX failed to do so. 
also 15 U.S.C 1681 ( 5 ) states i if information is found inaccurate or can not be verified it shall promptly be deleted. ALL THREE BUREAUS HAVE INCORRECT INFORMATION ON MY REPORTS ; DIRECT VIOLATION of my rights My one and only legal name and address is " XXXX XXXX XXXX '' ADDRESS IS " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX '' I demand all other incorrect info be deleted. 

in accordance with fair credit reporting acXXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 usc 1681 section 602 states i have the right to privacy XXXX violated my rights the told me i was signing up for free credit reports but since ive not let back into my account and there is a recurring fee. TRANSUNION XXXX AND XXXX have all different things on my report inaccurate open/close dates, accounts that i did not give written insturction to furnish, accounts that are on some but not all ( XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  also charges from or hard inquiries from each bureau showing on my report. 
recurring XXXX XXXX HAS CHARGED ME XXXX times sending repeating emails when i never signed up for that and still have to recieve anything in the mail from all of the bureaus even though this expected and a violation of my rights if not. XXXX XXXX and XXXX  XXXX and m & m have all violated my rights as a consumer, mainly the bureaus for furnishing this inccorect info but also taking action i did not approve of. 

15 usc 1666 a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose THIS WILL BE MY THIRD TIME TRYING TO DISPUTE W THE BUREAUS ON NOT HAVING MY CORRECT INFO AND FURNISHING THINGS ON MY CREDIT WITHOUT MY CONSENT REMOVE THESE THINGS : XXXX XXXX, XXXX, XXXX XXXX, TRANSUNION XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase XXXX Account Number : XXXX XXXX XXXX XXXX OnXX/XX/XXXX, I booked a hotel room at the XXXX XXXX XXXX on my XXXX card number XXXX XXXX XXXX XXXX. The payment amount was {$250.00} for a two night stay, with check in XX/XX/XXXX, and check out XX/XX/XXXX. This is documented in Exhibit A. 

I received a voucher reference number XXXX, which confirmed the hotel reservation details. I was advised that I would need to present this voucher and identification at the time of hotel check in. The voucher is documented in Exhibit B. 

On XX/XX/XXXX, I checked in to the XXXX XXXX XXXX hotel, and presented my voucher and identification to the receptionist. The receptionist requested that I pay a Resort Fee of {$74.00} for the two night stay, and stated that the Resort Fee was required to cover use of swimming pool, car parking facilities and internet. I advised the receptionist that I would not be using the swimming pool, and that both car parking facilities and internet were advertised as being free. 
The receptionist then advised that the Resort Fee was a mandatory requirement, so I reluctantly paid the {$74.00} Resort Fee, which is documented in Exhibit C. 

On XX/XX/XXXX, I telephoned Chase XXXX on XXXX, and advised them of the series of events, as described above. I requested that they refund the {$74.00} Resort Fee, as this had not been disclosed to me at the time of booking. I explained that I had been forced to pay this in order to occupy the hotel room. 
Chase XXXX advised that they would issue a temporary {$74.00} credit to my account while they investigated the dispute. Chase XXXX advised that they would inform me of their decision within 30 days. 

I received a letter from Chase XXXX, dated XX/XX/XXXX, advising that they had removed the temporary {$74.00} credit, and that the disputed amount would appear on next billing statement. The letter is documented in Exhibit D. 
The merchant documentation referenced in the letter is documented in Exhibit E. It would appear that the merchant documentation supplied was issued in error, as it is written in a foreign language, and makes reference to a {$1000.00} amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Filing CFPB complaint on Experian. Experian is currently reporting an account in my file called : XXXX XXXX XXXX # XXXX. The original creditor is XXXX. This account is in collections but I was not informed by the original creditor ( XXXX ) that it had gone into collection and had no idea until I noticed it on my Experian credit report. I dispute this account 's information and feel that its record keeping and documentation of payments is so excessively bad and demonstrably inaccurate so as to be unverifiable. I am attaching a copy of my report with the disputed account information circled for you convenience. 

If you open the report and scroll down to page XXXX, you will see the account named XXXX XXXX XXXX # XXXX ... I had been making timely payments double the amount required for many months until I learned that they were not crediting the payments I made to the account. You ca n't see many months of the payments that I made because the data is not in the report and it makes no mention of the months that I had the account prior to XXXX XXXX, 2014. 

Therefore, I dispute the reporting of this account in its entirety. I believe it is not fair for Experian to continue to publish credit data which is damaging to my overall credit history when that data is evidently inaccurate. If anyone at Experian was doing their job, they would have noticed a payment date of XXXX XXXX is listed no less than 8 times. The first time XXXX XXXX is given as the payment date, it shows my payment of {$300.00}. Then, the subsequent 7 times, it says I made no payment on XXXX XXXX. 

This data furnisher 's record keeping is questionable at best and Experian is required ( by the FCRA ) to delete information they are reporting which they know ( or have reason to believe ) is erroneous and it clearly is in this case.

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 2022-07-21
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MIDLAND MORTAGE. 
In XX/XX/XXXX my payment went from XXXX to XXXX a total increase of XXXX per month. I have contacted them till I am blue in the face. They just keep explaining the escrow process to which I know. I went on line to look a the escrow info. My escrow did indeed increase but only by {$41.00}. In XX/XX/XXXX I had a huge jump in my payment. Once looking into it, i saw they went and purchased insurance for the house of over {$5000.00}, which is an insane amount for my home. Causing my payment to go from I believe XXXX per month to XXXX. I couldnt afford that. I found my own insurance with the exact same coverage for {$1600.00}, bringing my new monthly payment down to {$1300.00}. What they have done is taken they highest amount of {$1500.00} to which I only paid that amount for about 4 month 's until my new coverage. And added the XXXX to that causing me to now have to come up with {$1500.00}. The new amount should have been calculated off my payment of XXXX having a new total of {$1300.00} not XXXX. I have had to rent a room out because this is just too much. This has been going on since XXXX to which no-one has corrected.

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 2017-10-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I had XX/XX/XXXX unauthorized ATM withdraws in the amount of {$280.00}. 
XXXX was at XXXX XXXX XXXX XXXX, in the city of XXXX XXXXXXXX . 
Another was at XXXX XXXX XXXX XXXX, in the city of XXXX XXXX 
I contacted my bank, which is Citibank, ( on that same day ) and advised that there were XXXX unauthorized withdraws. 
. 
I made a claim, and was given a claim number. XXXX. 
I received a letter dated XX/XX/XXXX ; which stated that reimbursement had been denied. 
. 
I appealed, submitted a police report, store receipts, and a brief description of my whereabouts on that day. 
Received another claim number XXXX. 
I received a letter dated XX/XX/XXXX ; which again stated, that reimbursement had been denied. 
. 
Both letters were identical as to the reason for denial ; Yet, there were no facts or evidence to support the denial for reimbursement. Only assumption. 
. 
Again I contacted Citibank to appeal. I was told to submit a letter stating why I should be reimbursed. I faxed a letter, and receipt of letter was confirmed by Citibank. 
The confirmed date of receipt is XX/XX/XXXX. 
I am still waiting for a response. 
Every time I call the number on the rejection letter ( XXXX ), I speak to a customer service representative in the XXXX. 
I am never given a solid answer ; Always an excuse, such as : " the investigation is ongoing, '' " I do not have answer, '' " you can not speak to the person handling your claim, '' etc. etc. 
So i am reaching out to you, at Consumerfinance.gov., to assist me with reimbursement. 
I have attached plenty of documentation to support my claim. 
Please help me with reimbursement ; And furthermore, help put a stop to this " runaround '' that Citibank i putting me thru.

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 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XXXX 2017 and XXXX XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and 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 2017-05-21
Company: AMERICAN EXPRESS COMPANY
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: Information is missing that should be on the report

Complaint:
I ha ve   XXXX    account s   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX    American Express    XXXX   XXXX    But on my report they show only  XXXX  accounts and that 's the r eason my score went low

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Innovis
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 was at XXXX XXXX today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXXX- XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX XXXX  and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX , I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Transunion is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my XXXX credit score. Also when I sent Transunion personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well-beingat risk.

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 2016-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I wanted to do a credit freeze or lock on all bureaus for security reasons. This was easy to do on XXXX and XXXX. However, I found the TransUnion site to be misleading. I clicked on credit lock, entered the require data and was enrolled in credit monitoring, which I did not want. This service is XXXX/month. At no point during this " enrollment '' process did the site tell me what I was signing up for. I thought that it was just the credit lock. After the fact, I determined that they planned to charge me the monthly fee beginning XX/XX/XXXX. Then, I went through the process of cancelling the subscription, and called TransUnion to confirm that it was in fact cancelled. This misleading process to sign up for a credit lock/freeze should be fixed. The other bureaus sites were not a problem.

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 2019-02-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In XX/XX/XXXX, based on a accident ( disaster ), I faced the financial hardship. Wells Fargo is my mortgage lender from XXXX, and I asked them for a mortgage assistance. They offered several options but asked for permission to check my credit score. At this moment the score was about XXXX. However, Wells Fargo asked XXXX XXXX for assistance, and when results came, it was a very unpleasant surprise. The new FICO score has dropped for 83 points - due to the Wells Fargo/XXXX XXXX inquiry. When asked for information why it has happened, the answer was that this score is based upon XXXX  report. I called XXXX and they denied providing such a wrong information. At this moment am disputing this sudden drop of the score and I am asking removal of such inquiry. 
As far as I know, the official credit bureaus are the only providers of credit information. Many new providers of scores are doing it for less money and are increasing the market. Their information is not always correct. They maybe are pleasing the lenders who are paying for information, but it can create harm to customers - intentionally or inadvertently. 
I am informing CFPB because this has happened under your watch of the compliance with FDCPA.

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 2017-10-13
Company: EQUIFAX, INC.
State: TX
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:
All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. EQUIFAX WITH A SECOND HACK ON XXXX2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacyrights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this  Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
To whom it may concern : This is to let you know that TransUnion has re-inserted a previously DELETED record into my credit report. I have a daily credit monitoring service and I discovered this illegal re-insertion in XX/XX/XXXX. The record is by " XXXX '' - a debt collection company trying to illegally collect on a {$6400.00} debt ( that is beyond the statute of limitations in XXXX ). I have never acknowledged this debt. The original creditor is XXXX XXXX. The first date of delinquency on the XXXX account is XXXX to XXXX. The XXXX XXXX. account appeared on my credit report for 7+ years after the date of first delinquency and was deleted as mandated by FCRA regulations on all my credit reports ( TransUnion , XXXX & XXXX ). However, XXXX XXXX XXXX XXXX XXXX acquired this debt and has posted it on my credit report with an open date ( status date ) of XX/XX/XXXX. They are attempting to re-age the debt, and such make a case to have it in my credit report. This is ILLEGAL. 
TransUnion should IMMEDIATELY delete this item as it violates Fair Credit Reporting act. 
Furthermore, TransUnion is required to notify me within FIVE days when a previously deleted record is reinserted in my credit report. TransUnion has failed to do so. TransUnion has also failed to validate or verify this record ( and associated XXXX XXXX. record ). As a result, TransUnion should immediately delete this record. I have notified the State Attorney General of Pennsylvania, and if this is not handled immediately, I will initiate a lawsuit against TransUnion for FCRA violation and character defamation ( all of which have materially damaged my life including increased insurance charges and inability to secure a job ). 
I have attached a document that includes commentary directly from XXXX XXXX XXXX XXXX XXXX confirming that they have misrepresented the first date of delinquency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called to get persistant disputes removed from my credit and I was told it would take 30 days, however, when I called XXXX and XXXX they were able to do it within 72 hours. I informed them that I needed it done this week because I am applying for a mortgage and also told her I would notify CFPB and file a complaint. This information didnt faze XXXX, and again said it will take 30 days for the disputes to be taken off. Question ; Why isnt there any unionformity between the credit bureaus?

Company response to consumer: Closed with explanation