BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached doc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: DISCOVER BANK
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regarding Case XXXX XXXXXXXX This case particularly bothered me because I called for a status update 1 full week after submission and was told the case was sitting in an open queue and not even assigned. The case involves my Discover portal being hacked and demographic information changed without my knowledge or authorization. This can be extremely damaging as the suspect can certainly obtain enough information to open credit cards and other accounts in a fraudulent manner using my identity. 

I am attaching the following documentation to this complaint : 1 ) Police Report ( Complaint XXXX XXXXXXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) As a result of the identity breach, I have decided to close my Discover account as the urgency and response to this matter has not been appropriate in my view. 

I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: DISCOVER BANK
State: CT
Product: Credit 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:
Regarding Case # XXXX Discover has not reopened Case # XXXX despite providing evidence from the merchant that a refund for {$1100.00} was processed on XX/XX/2023 and has not reflected on my Discover account as of XX/XX/2023. 

I am attaching the following documentation to this complaint : XXXX ) Police Report ( Complaint # XXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) XXXX ) Acknowledgement email from the merchant ( FTMO ) that a refund for {$1100.00} was processed on XX/XX/2023 Additionally, I have asked multiple representatives for instructions on asserting Claims and Defenses and I have not received the information I explicitly asked for. Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 govern the regulations for Claims and Defenses. As a result, the unauthorized charge of {$1100.00} is now listed on my XXXX credit report and will become a delinquent account if no action is taken. 

Lastly, I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX, I am writing to you today regarding the account ( s ) below, these accounts are reporting inaccurately and therefore must be removed. Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information requires you to do a thorough unbiased investigation on my behalf, the accounts are inaccurate, and therefore in violation of 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information- which states ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I request that you look into these disputed things immediately and either remove or rectify them because they are untrue and negatively impact my creditworthiness. I expect a thorough and unbiased investigation into this matter. I'm ready to take legal action to defend my FCRA rights if you don't answer within the allotted time or don't carry out a reasonable investigation. I am also aware of my legal right to pursue damages in the event that you fail to comply. Thank you for your prompt attention to this matter.

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 2023-11-20
Company: FIRST PORTFOLIO SERVICING INC
State: FL
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:
Please consider this as my formal complaint to the XXXX XXXX for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$8600.00} XXXX XXXX XXXX XXXX ( Original Creditor : AXXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : AXXXX XXXX ) XXXX Balance Owed : {$64.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: LEXISNEXIS
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Pursuiant to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/2007 ( XXXX Illinois ) ; XXXX XXXX vs. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXX C XXXX, XX/XX/2007 ( XXXX Illinois ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/2007 ( XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX is in violation by reporting that I'm delinquent in making my child support payments. First of all I have never been late with making payments. I recently discovered that they were in violation by seeing a notice on XXXX ' website that they had posted on their website before the removed it but it references that the law applies to all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: GOLDMAN SACHS BANK USA
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX  was stolen from me and was used to make fraudulent charges as well as open a new credit account. They bypassed all of the built-in security measures that the XXXX is supposed to have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Albert Corporation
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I was informed that an account with Albert financial institution for a product called genius was opened under my name. This was a fraudulent account and included my correct name, email address and birthday but the remainder of the information was wrong ( phone number, marital status, children, annual income, whether I rent or own my home, etc ). 

I took screenshots of all the information I was able to find once I was able to login to the account. The account was linked to a chime savings and checking account that I do not own. 
Albert does not provide any way to speak to a live human. They only have a support text and email. I would like proof that the account was closed and any paperwork related to whoever opened the account as I have filed a police report with my local sheriff department.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: NV
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:
accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. Creditor is reporting different info to all credit companies XXXX, XXXX, and Exquifax The following Account Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good evening, My 1st issue I have is I didnt purchase my house in XXXX. I purchased it in XX/XX/XXXX. Check court records. I took out a 2nd mortgage with XXXX XXXX  in the amount of $ XXXX which I have already satisfied the loan & paid back in full. My 2nd issue is my mortgage payment/escrow/insurance account. My account need to be looked at because all of the account numbers are incorrect. They take out of my monthly payment for taxes & issurance, but I pay my own insurance out of my pocket & they are aware that I pay it. I have sent them copies of the paid invoice & all I ever get in return from Newrez XXXX is letters stating they looking into my complaint & they need more time to review & look into the matter. This has been going on for over a year. My 3rd issue is reps.giving out incorrect information. I wanted to pay my account shortage to keep my mortgage payment from increasing.They told me I couldnt do that. Then they sent me a check for account overage & increased my mortgage. I call for my entire mortgage account to be looked at, reviewed & then correct all numbers that need to be corrected.Thanks in advance for your help with these issues. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
for the past 15 years someone has been opening up accounts in my name in the past 4 years there has been XXXX bank accounts open in my name with old and different address

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 2023-11-20
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a new XXXX XXXX on XX/XX/XXXX. The finance officer tried to sell me several add-ons but I told her that I wanted no extras. She uploaded all docs onto a flash drive and I returned home ( 3 hours away ). When I checked the drive, there was nothing on it. I called them the following Monday and left 3 messages, none of which were returned. I drove back ( 3 hours one way ) the next day and signed 2 cancellation docs totalling {$4500.00} in charges. It took them 3 months to credit my account the complete amount. I messaged the finance company a few times during this period. After the funds were returned, I asked them to credit my account any interest that had accruied on the {$4500.00}. They said they couldn't and I asked why. I never got another reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: BSI Financial Holdings, Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Our mortgage is set up with auto-pay. We pay {$1100.00} on the XXXX of each month for a payment that is {$1000.00}. We have been doing that for at least XXXX months. 
Apparently the mortgage lender ( BSI ) sent us letter ( s ) starting in XXXX, XXXX stating they did an escrow analysis and we were to pay more towards the payment until the shortage was cured. It wasn't until XXXX, XXXX that we received and reviewed that letter, and called BSI to clear up the escrow shortage. We recently had our credit pulled to apply for a new mortgage and we were told by our mortgage loan officer that we had 5 late mortgage payments from XXXX, XXXX through XXXX, XXXX. We never received ANY letters from them until XXXX, XXXX, and when we did, the shortage was cleared up immediately. BSI has no proof they sent or we received their letters. They did not send them via certified mail. BSI said they left us numerous voicemail, but my wife and I never received a voicemail. All we know is that the payment was made every month via auto-pay, and we were unaware there was ever a shortage until XXXX, XXXX when we did get a letter from them via US Mail . We are requesting they remove ALL late mortgage payments from XXXX, XXXX, XXXX, XXXX of XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting 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 have never done business with these companies, these are all fraudulent

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 2023-11-22
Company: CAVALRY INVESTMENTS, LLC
State: TX
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 concerning Account Number : XXXX previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. Violations of the FCPDA are subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I have been working tirelessly to have this corrected so I will be seeking {$30000.00} for actual damages for mental anguish. Your company is also furnishing different information to the credit bureaus. How is this legal when all information should be correct? How can there be 3 different Date Last Active? You also failed to investigate that my personal information was compromised in the XXXX data breach. I will attach both my credit report and data breach claim ID. In the absence of any such documentation and other violations, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages I intend to take all legal steps available to me if the following account is not removed from my credit report within 14 days : CAVALRY PORTFOLIO SERV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31
Company: CITIBANK, N.A.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is adding on to my claim already submitted for XXXX I wanted to add another document to show my on time history.

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 2023-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at the Chase XXXX XXXX XXXX branch in XXXX XXXX, CA, I was making a {$36000.00} deposit with the teller. 

A fraudster came alongside me at the teller window saying I dropped money and was handing me a {$20.00} bill. Unbeknownst to me, he approached me at the precise moment I had entered my Pin Number. Also unbeknownst to me or the teller, he also stole my Debit Card. 

Within 30 minutes at a branch in XXXX, he made 3 ATM withdrawals from Checking, his female accomplice made 1 inside branch withdrawal ( {$4800.00} ), and then 4 more ATM Checking withdrawals ( {$3600.00} total ). 

I didnt know I had been robbed until 45 minutes later when I received a Chase Fraud alert. I checked my wallet and saw my debit card was gone. 

I returned immediately to the branch and Chase opened two Fraud claims- one for the {$3600.00} in ATM withdrawals and one for the in-person {$4800.00} Savings withdrawal. 

I filed a police report. The officer subpoenaed 4 tapes. The final Police Report states that XXXX saw the two tapes Chase provided and saw the thief withdrawing my money from two ATMs in XXXX. It also mentions a woman ( the one who impersonated me inside the branch to withdraw the {$4800.00} from my Savings account ). 

NOTE : XXXX subpoenaed four tapes but Chase did not comply. Ironically, the two tapes Chase refused to supply were the exact two Fraud told me they needed in order to pay my claim : 1. Male seeing me input my pin and stealing my card at the teller window, 2. Female inside the branch withdrawing {$4800.00} in cash. 

On XX/XX/XXXX, my ATM Claim for {$3600.00} was paid in full. However, Chase Fraud denied the {$4800.00} in-person claim. ( That transaction was sandwiched in between the seven that had been deemed Fraud. ) I appealed and was denied again due to lack of care. It has been 4 months and I am still out my {$4800.00}. 

I heard from different sources that this same couple robbed other victims around that time in a grocery store, banks, etc. 

I can not believe that Chase has denied this claim, given the evidence presented. Their refusal to comply with the subpoena that would have validated my claim is unacceptable. 

Chase agreed that I was robbed and defrauded of my ATM cash at 6 transactions - but the inside branch transaction that took place at the same time was denied. 

Please note : I went to the teller to deposit {$36000.00}. I only use my debit card inside the branch where I should have been safe. ( I never use it anywhere as my bank records will attest. ) I was robbed in front of the tellers window. How can Chase deny this claim? Its criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a XXXX XXXX XXXXXXXX XXXX XXXX  through wells Fargo. It was brought to my attention that a checking account which does not belong to me has been being charged. Wells fargo refuses to chargeback that card & allow me to pay back the bank myself. i did not authroize those card payments nor did the person whos account it is. Wells fargo basically told me i have to take it up with my bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXXXXXX XXXX XXXX. They have not been very helpful and i am open & willing to pay the bank back whatever was charged to this persons account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief