BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates that letters that Ive sent out asking for original documents from the grantor about these accounts I contacted the courts and ask do they send out Information to 3party agency they sent me a letter in response No I forward this letter to the 3 agents and Im still having 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 2020-06-21
Company: EQUIFAX, INC.
State: NY
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 am currently looking over my credit report on XX/XX/2020. I noticed that credit cards of mine are missing from my credit report file. XXXX  seems to show them but for some reason 2 XXXX cards and 2 XXXX 's cards doesn't show on equifax and XXXX. I called XXXX and XXXX 's both said they reported to all reporting credit agencies. I will show you the attachments the difference between XXXX and equifax and you guys can see the 3 cards that are missing. Hopefully this can be resolved as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XX/XX/2019 I opened an account at the BMO Harris reacting to the mailing sent to me. The offer was for {$700.00} account opening bonus which was presented to the banker at the time of account openings. 
Promo Code : XXXX As result I completed following requirements within 120 days of account opening : {$6000.00} of direct deposits or more ( actually XXXX was deposited through my employment with XXXX and XXXX XXXX ) 10 or more card transactions {$10000.00} or more balance kept at the Money Market account for 90 or more days. 

To date I received only {$300.00} in bonus instead of {$700.00}. {$200.00} was credited to my MM account which is correct however the checking account received only {$100.00}. And the {$100.00} bonus was deposited on XX/XX/2019 even before the qualifying period ended leading me to the conclusion that the bank had no intention to fulfill the conditions of the promotion to begin with.

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 2019-12-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019i sent Equifax a letter of complaint stating they are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Collection Amount : {$92.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Equifax & XXXX XXXX XXXX XXXX XXXX XXXX  have not responded

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
On XXXX, XXXX I called the XXXX XXXX XXXX to let them know that Transunion had deleted all of my payment information. I had a score of XXXX and by them deleting my information they have ruined my score. Transunion is stating that XXXX XXXX XXXX XXXX did not respond to a dispute and I was provided a date and time of a response which was within the 30 day window the credit bureaus allow. 

I did not give Transunion permission to remove my credit history only to update my information. I would like the company reviewed at all cost.

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 2022-05-02
Company: EQUIFAX, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please repair the following accounts completely from my Credit Reports : Accounts : XXXX XXXX EFS XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please repair the following accounts completely from my Credit Reports : Accounts : XXXX XXXX EFS XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have an auto lease with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and Transunion Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX Date opened XX/XX/2006 Balance {$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 2022-05-02
Company: EQUIFAX, INC.
State: CT
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:
n 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 consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
n 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 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 explanation
Consumer complaint received 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The following accounts are fraudulent and should not be on my credit profile I WANT ALL OF THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED IMMEDIATELY XXXX : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection openedXXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX : XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Transunion : XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX 2020

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 2023-01-07
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:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: NJ
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : 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 2020-06-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit card was closed. They claimed that they sent me a letter. I had XXXX points worth {$28.00} and they only wanted to give me XXXX dollars in the form of a refund check. I used the card within the one year time frame, but they said I used the wrong card.

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 2019-12-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Friday, XX/XX/2019 I made an attempt to temporarily unfreeze my Equifax Credit Report at which time Equifax pushed a new requirement to do Security Freeze management through a my.equifax account. I signed up for an account and provided all of the correct security information, even verifying against my own Credit Report received from another Credit Reporting Company. At this time I was locked out of my account, told to call a number, which I did. That number involved providing additional information to a robo-assistant which then stated that I could not be helped by an agent. Eventually I was able to reach a human and was told I could not be helped because of a " system update ''. I then called back two days later and was told the exact same thing. I was also refused escalation to management. It has become clear at this time that Equifax is intentionally ignoring my attempts to access my data and to place/remove Security freezes as is my right. Below is the list of actions taken with times. 

* Friday XX/XX/2019 XXXX XXXX PST - Attempted to remove security freeze with Security Pin on Equifax website. Was notified by web-portal that a myEquifax account is now needed to take security freeze actions. 

XXXX Friday XX/XX/2019 XXXX XXXX XXXX - Was locked out after account creation in spite of answering all security questions. 

XXXX Friday XX/XX/2019 XXXX XXXX PST - Called the provided Equifax XXXX number 4 times, providing security and personal information each time and being told that no agent could help me. 

XXXX Friday XX/XX/2019 XXXX XXXX  PST - Called the same number and was able to trick the robo-assistant to provide a human agent. That agent simply stated that I would need to call back in 30 minutes to an hour as they were in the middle of a " system update ''. 

XXXX Sunday XX/XX/2019 XXXX XXXX  PST - Called using the same tricks to reach an agent at which time I was again told that I could not be helped for 30 minutes to an hour as they were again experiencing a " system update ''. I was also refused an escalation to a manager. 

XXXX Sunday XX/XX/2019 XXXX XXXX  PST - Called an hour later again as instructed and was once again told that a " System Update '' was preventing them from helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: CA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : 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 explanation
Consumer complaint received 2021-12-15
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Fidelity Capital Holdings , IncXXXX dba Fidelity Creditor Service is a debt collector as defined by Cal. Civ. Code 1788.2 ( c ) and that the alleged debt is a consumer debt as defined by Cal. Civ. Code1788 ( f ). They are therefore subject to the provisions under the Rosenthal Fair DebtCollection Practices Act ( RFDCPA ). Their collection letter ( s ) are in violation of Cal. Civ. Code 1812.700 and 1812.701 which require specific language to be included in such collection letters, with specific and conspicuous formatting. The letter ( s ) received contain no such language or formatting. As stated in Cal. Civ. Code 1812.702, any violation of these provisions shall be considered a violation of the RFDCPA. 

Fidelity Capital Holdings , Inc. dba Fidelity Creditor Service, through its agent XXXX XXXX XXXX, laughed off our complaint, called it entertaining, and hung up the phone after I called to resolve the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I recently received a copy of my credit report and i noticed for the second time an account on my consumer credit that should not be there. XXXX XXXX XXXX XXXX XXXX acct. # XXXX the last payment amount XXXX on my Equifax credit report does not match the XXXX XXXX XXXXXXXX XXXX  XXXX the amount XXXX. ( See attached XXXX XXXX letter dated XX/XX/2021 and Equifax credit report file # XXXX. This is a violation of the FCRA 611 1681i. Please delete this account from my Equifax consumer credit report now and send me a corrected copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried opening a XXXX account, but was being reported by Early Warnings, saying that I had a 5/3 Bank Account in my name I 've never banked with them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: JPMORGAN CHASE & CO.
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My experience started when I flew to Florida to close a checking account in my mother 's name which I was the sole beneficiary on, following her death. There are no Chase Bank 's in the state where I live. They were not able to close the account, collected copies of paperwork and after many phone calls to followup and being passed off to many people I received a check for the balance ( over {$80000.00} ) in the account after a few months! Now I'm dealing with another issue related to the same account. The account is closed. The bank had issued a preauthorized automatic payment before closing the account. I also paid the same bill from the estate account. Thus the payee returned the funds electronically to Chase Bank to credit the account after it was closed. On XX/XX/2020, Chase bank mailed a check to the estate for the funds ( {$1600.00} ). I was unaware of what had happened, Chase offered no explanation with the check. I called them about it on XX/XX/XXXX and discovered the issue. Because I was the sole beneficiary on the account and the estate had already paid the bill I was entitled to the funds personally. I spoke to a representative who advised me to mail the check with an explanation to a specific person at Chase Deceased Processing office. I mailed the letter and the check to them on XX/XX/20. I called to followup XX/XX/20 and they claimed they never received the check and insisted I needed to fax them a copy of the letter and check. I do not have access to a fax, they would not accept an emailed copy only a fax or another mailed copy. I was able to find an app to fax this to them after hours of time. I called to follow up again and they matched my fax with the file. On XX/XX/20 I called again to follow as they had advised they would escalate the issue and be in touch and I had heard nothing. I was never able to speak to anyone specific only call and talk to whomever answered the phone and then go through the whole scenario again with each call. on XX/XX/XXXX they advised they had located the check and would reissue it. On XX/XX/XXXX they confirmed they had sent it to the appropriate department who issued the check and it was to be reviewed and processed. I was told it should not be a problem and I should have a check soon. I asked what to do if I did not receive it and they told me again to call the same number and start over. I was out of town, upon my return today, I called XX/XX/20 ; they have no updates and claim they will check into it and follow-up. I'm very frustrated and feel they are not being fair to consumers.

Company response to consumer: Closed with explanation