BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I seen some fraudulent inquiries on my credit report and would like to have them removed XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX-XXXX  Inquiry : XXXX. XXXX, XXXX  XXXX XXXX  XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Subject : Removal of Unauthorized Hard Credit Inquiry, Fraud Alert, and Editing/Removal of Personal Statement I am writing to address several concerns regarding my Equifax credit report. Firstly, I would like to request the removal of an unauthorized hard credit inquiry initiated by XXXX XXXX XXXX XXXX ( XXXX ) from my credit report. Secondly, I kindly request the removal of an active fraud alert that is currently placed on my credit file. Lastly, I would like to address the editing or removal of my personal statement from my Equifax credit report. 

I recently discovered an unauthorized hard credit inquiry on my Equifax credit report that was initiated by XXXX. This inquiry was conducted without my consent or proper understanding. The user interface provided by XXXX was misleading and led me to believe that I was undergoing a pre-qualification process, rather than having my credit run for the purpose of initiating a hard inquiry. Under these false pretenses, I unknowingly proceeded with the actions on the XXXX platform that resulted in this unauthorized inquiry. Therefore, I kindly request the immediate removal of this inquiry from my Equifax credit report. 

Furthermore, there is currently an active fraud alert on my Equifax credit file. While I appreciate the initial placement of the fraud alert as a security measure, I have since resolved the fraudulent activity and no longer require the alert to remain active. Therefore, I kindly request the removal of the fraud alert from my Equifax credit file. 

Lastly, I would like to address the editing or removal of my personal statement from my Equifax credit report. I understand that circumstances can change over time, and I would like the flexibility to update or remove my personal statement as needed. 

Please note that I have attempted to resolve these matters through direct communication with representatives at XXXX XXXX XXXX XXXX. However, I have not received satisfactory assistance, which has led me to submit this request through the CFPB website. 

Thank you for your attention to these concerns. 

Yours sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00}.

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 2022-12-11
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:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CCS Financial Services, Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Collection Services # XXXX This account is reporting to my credit in error. Attached is a letter from the original creditor " XXXX XXXX '' stating my account was closed and they refunded me. XXXX thereafter apologized for their delay. I never owed XXXX a balance after terminating business with them. This account is reporting in error and I request a deletion of this account from my credit asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am really grateful that you have taken some of the fake items off of my credit report, but I think you should still disclose some of the disputed items that were the consequence of my identity being stolen. Please follow Section 605b of the Fair Credit Reporting Act and get the disputed entries removed from my credit file as soon as you can. According to what I've read, the Credit Reporting Agencies are mandated by Federal law to delete any accounts and information related to identity theft under the terms of the Fair Credit Reporting Act section 605b. If you think the disputed objects are mine, please send me copies of any documents you locate that have my signature or proof of ownership to back up your claim. It is expected that the disputed items will be deleted right away if you didn't find any papers. I'm asking you to please delete the following information from my credit file once more as soon as you can : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: PACIFIC WESTERN BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was the XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Association names- XXXX XXXX XXXX XXXXXXXX XXXX. 
During XX/XX/XXXX, we transitioned our HOA management from XXXX to XXXX XXXX  effective XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  made up a story that they need to move around $ XXXX from our existing bank to Pacific western as their software only work with that bank plus some other lies. 

Balance as on XXXX XX/XX/XXXX. 
Neighborhood : Operating- Acct ending in XXXX {>= $1,000,000} Reserves- Acct ending in XXXX {>= $1,000,000} Common : Operating- Acct ending in XXXX {>= $1,000,000} Reserves- Acct ending in XXXX {$250000.00} Current HOA Board tried to move the funds out of Pacific Western due to the following reasons : 1 ) Pacific Western XXXX XXXX not okay, please refer : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX ) Getting very low interest of these funds. 

But XXXX XXXX come up with some other excuses that as elections are announced so let the new Board take some action not the existing Board. Elections were going to happen for next 5 weeks so that's a bad excuse. 

After the elections, I wrote to XXXX XXXX about what is happening now - has our funds moved out of Pacific Western or not? No response even after 2 weeks. 

We want our HOA funds to be covered by PacWest under ICS. Pacwest is a member of ICS ( Insured Cash Sweep ) for sure and any ics member bank has to show tranche in statements. hope this helps. there is no secrecy, as pacwest must be charging monthly fee to hoa account for this service. 

Also we would need only our operating account to be with PacWest  for them to seamlessly and {$250.00} XXXX is abundant and the operation account can be supplemented incrementally. 

We should be able to see the detail placements of funds in the monthly statement. XXXX ( XXXX XXXX  ) must have signed DPA ( deposit participant agreement ) for our account to be on ics, we need that DPA. XXXX XXXX giving us anything in writing holds no substance to mitigate default risk on our account. 

As a resident of XXXX- I want full transparency by Pacific Western to provide detailed accounts of our more than $ XXXX into these 4 accounts to each and every residents. Moreover only $ XXXX is FDIC insured, would like funds are safe guarded so that in case of Pacific Western 's failure- we may not be able to access our funds for around 60-90 days. 

If current Board would like to move out the funds to bigger, better, safer and stable bank accounts then Pacific Western must cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: American Credit Acceptance, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a call from HSBC Bank XXXX on XX/XX/XXXX stating that they have papers to serve me for a credit card that was issued in my name. I asked for more information, and they said the card was issued to me in XXXX by XXXX XXXX and the account was closed in XXXX. The account was sold to XXXX in XXXX. Well now in XXXX, they are Sueing me for {$5000.00}. I responded that I definitely know that this was not me because I have never had a credit card with a limit over {$500.00} dollars. But apparently with late fees, the highest interest rate possible and other fees that they made up. They are now trying to sue me for {$5000.00} dollars. They are also saying that the statute of limitations holds no precedence against this case. I have never received anything in the US mail about this, so that I could have the opportunity to dispute this claim. But when they called, they knew all of my personal information including my home address. I feel like they are doing this because I know longer live in the state of California and that HSBC bank is an online bank located overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to resolve this issue since 2019 until present. I fell behind due to my medical condition as well as my husbands. I underwent several XXXX and I wasn't able to work for awhile which caused us to fall behind on our mortgage. I have been working with a company for no charge and they have been trying to get me a modification and we keep getting denied. We submitted and appeal and that was also denied. I wanted the opportunity to start over. We now realize that we have done everything we could to keep our home but we realize that we need to sell. But in order to do so we need PHH to stop the auction and allow me to sale my home through as short sale as i do not want to lose my home to foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: AZ
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:
XXXX Refuses to fix my report. Whatever the case if Im on my spouse card or my my card if the credit card company reports thats not there business to pick and choose what Information goes on my report Im tired and frustrated working manual hours to get them to resolve issue they dont respond they have been sent the complaint more then three times and certified but they dont address it My acct credit card was removed off my report with out me requesting it The credit card company didnt request it, in fact they still report each month and XXXX XXXX report XXXX GOOD information I never ask for credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed in fact it helps my utilization as I build my credit. 
XXXX likes people to fail so they have something to report If you are over the limit XXXX transunion drops your score XXXX pts were as experian does likem7-10 points XXXX believes they are private owners they do what they like to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
In XXXX of XXXX  or XXXX of XXXX  my credit card was charged for approximately {$340.00}. 
I disputed the amount. 
The amount was credited. 
I believe Capital One sent a letter asking for more info. 
I lost or did not receive the letter. 
The {$340.00} amount was charged back to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent over 10 complaints about an address that's on my credit report to Experian and they still haven't removed them, they have responded that they are going to remove the address, and still on my credit report : XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-11-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone applied for a Chase Sapphire Credit Card online and it wasn't me. I received an inquiry notification from a credit monitoring service. I called Chase to tell them the application was fraudulent and they declined it. They will not give me information on the credit application or ip address. I been targeted before by family members before for credit and Im trying to determine who applied for it. They will not give me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to dispute multiple errors on my credit report. Specifically, I have multiple charge-off accounts that are inaccurately reported as not being disputed and under review at the time of my last complaint also I have multiple accounts with inaccurate dates and accounts being reported open when in fact they are closed. I have been a responsible borrower for many years and I was shocked to see this negative mark on my credit report. Upon further investigation, I found that the charge-off accounts were in fact being disputed and under review at the time of my last complaints as per CFPB Complaint ID # XXXX, XXXX, XXXX also with inaccurate dates and inaccurate account status. This means that the information in my credit report is incorrect and is damaging my credit standing. I request that you immediately delete the charge-off accounts from my credit report. I have attached all relevant documentation to support my claim. I appreciate your prompt attention to this matter and I look forward to hearing back from you soon. Thank you for your time and consideration. 
XXXX XXXX XXXX # XXXX reporting open but in collections XXXX XXXX # XXXX XXXX did not report as being disputed XXXX XXXX  # XXXX date last reported is in XXXX when disputed in XXXX XXXXXXXX XXXX XXXXXXXX # XXXX is wrong account number and date last active is earlier then date last reported, reporting open when it says in collections XXXX # XXXX reporting on two different credit reports with two different account numbers, reporting open but its closed XXXXXXXX XXXX XXXX  XXXX reports as open but is closed and two different dates as last active XXXXXXXX XXXX XXXX # XXXX XXXX reporting as open but its in collections XXXX XXXX # XXXX already on credit report as XXXX XXXX Reporting as open but its closed, its on my report twice

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 2023-03-09
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My wallet was lost and chase bank told me that the charges where valid and they can not help me to contacted the merchant because my claim is denied for no exact reason I called 10times to try and get it fixed with no help from them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim. ''

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