BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: MA
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 have costanly told experian XXXX and transunion that the inquirys that have no connection or that or not linked to an account should be taking off my report i didnt do it im having fraude going on because of the breach that happen with XXXX my info has been found over XXXX times and i dont know how to stop this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named XXXX, but the address listed on the XXXX database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response.

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 2022-12-21
Company: Experian Information Solutions Inc.
State: IN
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:
Im tired of going back and forth with XXXX XXXX  about my own privacy. Not only do they continue to report my personal informtation without my consent, they never informed me i have the option to opt-out and grabing my personal information for their own personal finical gain since before i was of legal age to sign any thing. Their finical gain off my persoanl life is hindering my ability to put my children and myself in a better living situation. I do not qualify for a new home or a new car for my childern without having adverse reaction on all applications due to XXXX XXXX and the rest of the gang " all CRA 'S '' including Experian, XXXX and XXXX. Not only are all of these companies making hand over fist off my personal information. They are putting me and my childrens life in danger by reporting my personal addresses that i did not give consent to. I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Yet these companies disregard any permissible purpose by grabbing this information for thier own monteary gain. These companies never properly investigate my disputes and continue to send automative messages back to me and never send the proper requirments following my Cease and desist. At this point these compaines are slandering my name. All these companies ganging up aganist me like a XXXX case, with intent and reckless regard to defamatory of my character is making my life XXXX. I have to work more hours and spend less time with my children. Im stressed out from the blant disrespect. I cant even give my children the XXXX they deserve because of my character being slander through all these companies.

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 2022-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE this INACCURATE information from my credit report. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act, They have 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE this INACCURATE information from my credit report. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, They have 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-17
Company: EQUIFAX, INC.
State: AR
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX XXXX Balance Owed : {$2600.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Wells Fargo mortgage loan and was approved and then denied due to having to bring $ XXXX to closing and I got my mortgage closed with a different company with $ XXXX to closing. I also bank with Wells Fargo the last almost 10 years

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 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/22, i deposited a check at bank of america ( XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX ) for {$8400.00} from XXXX bank. I was told upon depositing that there would be a 2 day hold for approx. {$5300.00} and a 4 day hold for the balance i agreed and deposited the check and received a receipt confirming ( attached ). this afternoon i recevied an email stating that the full balance wouldnt be available until the XXXX ( attached ). 

Bank of america claims they cant do anything about hold extension, when i requested the deposit be cancelled they said they could not cancel deposit. This is unacceptable, if i was told money would not be available to new years i would of sent check to XXXX XXXX  for faster processing, instead i was lied to and given the wrong dates. No i will be unable to pay bills.

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 2023-07-26
Company: Affirm Holdings, 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:
I've been trying to apply for apartments due to damage to my credit I've been denied. According 15 USC 1681 law this is a defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: First Technology Federal Credit Union
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi XXXX, I have a First Tech CU banking account and first time noticed an overdraft fee charged, I actually never ask them to honor my overdraft purchase, but they just did that for the overdraft fee, and I asked since this is the first time if I can get this fee waived, and they always answered : " we were unable to reverse since this was not a First Tech error. '' For my understanding, first tech should deny the purchase or text me to ask confirmation for the overdraft purchase, not just let it go through and charge me overdraft fee. 

And what's worse is I noticed another overdraft charge 2 years ago which probably a fraud purchase with large amount, First Tech REJECTED the Purchase but still CHARGED overdraft fee, it's totally not fair. 

My request is to refund both Overdraft fee of {$66.00}!

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 explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022, I rented a rental car from XXXX in XXXX, XXXX and was charged {$4600.00} for a XXXX rental. When I tried to dispute the charges, XXXX XXXX claimed that they informed be of the price beforehand and did not allocate a refund. Furthermore, when I contacted my bank, Wells Fargo, they initially sent me a credit reversal to cover the extraneous charges, however, after a few months, they debited the same amount from my account leaving me overdrawn. In my opinion, Wells Fargo did not do a comprehensible investigation and has sided with the merchant.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: SC
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 the date of XX/XX/22 I mailed a letter to Experian, disputing several accts that had erroneous information on them, & which are hurting my Credit Score & subsequently are in direct violation of the Fair Credit Reporting Act. Experian received this letter on XX/XX/22. There was no response so I sent an additional letter on XX/XX/22. Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is in direct violation of the FCRA : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX. I have given Experian more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They have REPEATEDLY refused to do so. They have not even responded. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed immediately.

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 2023-07-26
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I continue to dispute unauthorized fraud charges after I called nearly 4 hours after 3 unauthorized fraudulent charges that were charged on a credit card around XXXX XXXX  XXXX on XX/XX/XXXX. Two of the three charges have come back on my credit card as of XXXX and I continue to declare in written legible documentation, many examples of proof and over the phone and email that these charges are unauthorized and fraudulent. 
Despite stating on a phone call to the customer Fraud line to resend the information because the first set of compelling evidence shared by Chase that the documents are illegible and requesting for readable documentation, Chase has failed for the second time to provide any proper documentation that is legible. They said this is only way they would disclose information to us as to why this is not being marked as fraud after I reported the fraud on XX/XX/XXXX and received new credit cards. I am concerned and led to believe that since this is now 2 times in a row that Chase has failed to provide legible documentation that they are withholding information from me and are noncompliant in my dispute as they have failed to provide proper legible documentation. 

I am exhausting myself and my resources to work with Chase and now time and time again Chase is not cooperating with me since they have continued to provide illegible documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof, XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive disputed it with XXXX and Equifax credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the COVID Forbearance CARE ACT, Laws, I can not be reported as having late payments as I am protected under the pandemic. The holder of my mortgage/ deed has violated my rights and the law. XXXX XXXX, Home Mortgage is currently showing that I have late payments in XXXX ; XXXX, during my COVID Forbearance Care Act. I signed a Mortgage Modification, which both parties agreed upon and I've been paying on time, with no late or delinquent payments.

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 2022-09-18
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I filed a dispute with EXERIAN about them reporting a bankruptcy on my credit report that does not belong to me. Experian list XXXX as the 3rd party consumer reporting agency that provided that incorrect information. I reached out to XXXX about that bankruptcy reporting after my dispute with them and XXXX sent me a letter stating that as of XX/XX/2022 they have removed my disputed bankruptcy information from my file. I have attached a copy of that letter to this complaint for your records. Please remove the bankruptcy listing from file and all accounts listing incorrect information from a bankruptcy. If this information is not removed with in 30 days of this complaint, as I am a litigious consumer and I will not hesitate to file a suit in court for damages per the Federal Credit Reporting Act.

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 2022-09-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX XXXX  XXXX {$6800.00}

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 explanation
Consumer complaint received 2023-05-26
Company: Tebo Financial Services, 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: Information belongs to someone else

Complaint:
Name XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, State Zip : XXXX P.a XXXX Email Address : XXXX 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the comsumer identifies information that resulted from the alleged identity thief, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATIONS!!!

Under 15 U.S Code 168b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation