BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received a text message, from who I thought, was Wells Fargo asking if I authorized a purchase on my bank account. I replied NO, and they said a Wells Fargo Rep would contact me shortly. About an hour later, I received a call that said Wells Fargo XXXX XXXX XXXX ) XXXX so I answered. The guy on the phone stated that we were involved in a fraud, and he would need to freeze our account so more funds wouldn't be taken out. But that we could still access the funds through XXXX. At the time it was very believable since the caller ID stated it was Wells Fargo. He asked that I create a XXXX account and move the money from my savings to the XXXX account. We did 2 transfers of {$500.00} to equal {$1000.00}. That was all I had in my savings account. 

Right after I called my mom and she stated that it was most likely a scam. I immediately called Wells Fargo to report the scam. They did 2 different claims since it was done in 2 transactions of {$500.00}. 

We ended up getting one of the {$500.00} back and it got approved. The other {$500.00} was denied. When asked I just got the run around and they wouldn't explain to me why.

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 2023-10-23
Company: EQUIFAX, INC.
State: TN
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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: VA
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
EQUIFAX REFUSES TO UPDATE MY ADDRESS AND INFO. 
MY SOCIAL SECURITY CARD WAS ISSUED IN XXXX BUT NOW IN XXXX, I LIVE IN PENNSYLVANIA. need this updated and verified, and confirmed. Please send me the annual ( free ) credit report. I provided my info in the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Phoenix Financial Services LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter via mail from Phoenix Financial Services on XX/XX/XXXX stating I owed a debt totaling {$1500.00} from XXXX XXXX XXXX XXXX XXXX for a XX/XX/XXXX date of service. I confirmed I was seen in the emergency room of XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX  on XX/XX/XXXX via my online account and visit history, and did receive a bill for this amount, however I confirmed with the original creditor verbally via phone on XX/XX/XXXX that it was paid in full on XX/XX/XXXX and I do not currently have any outstanding debts. Furthermore, I was advised that the creditor does not work with this debt collection agency and has no idea why they would be contacting me. Due to the letter I received stating I needed to " call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. ", I contacted the phone number listed to verbally dispute the debt and advised them to contact the original creditor if they have any further questions as it was paid in full and provided the date of payment. I find it suspicious that I was contacted randomly by a debt collector after 4 years from the service date advising that I owed a debt in full that was already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Nevada XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Subject : Dispute of Incorrect Information and Unauthorized Inquiries on Credit Report Dear Sir/Madam, I am writing to dispute the accuracy of certain information contained in my credit report and address unauthorized inquiries that have appeared on my credit history. After reviewing a copy of my credit report, I have identified several discrepancies that require your immediate attention. 

The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Date of Birth : XXXX The following personal information is incorrect : Previous Address : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX I kindly request that you promptly investigate these errors and take necessary action to rectify the information in accordance with the Fair Credit Reporting Act ( FCRA ). Please ensure that my credit report reflects accurate and up-to-date personal information to prevent any further complications or misrepresentations. 

Furthermore, I would like to address the unauthorized inquiries made on my credit report : Unauthorized Inquiry : Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry : Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I did not authorize or provide consent for these inquiries to be made, and I insist that they be promptly removed from my credit report. Unauthorized inquiries can negatively impact my creditworthiness, and it is essential that my credit history accurately reflects only authorized activities. 

In accordance with the FCRA, I kindly request that you thoroughly investigate these matters, rectify the inaccuracies, and remove the unauthorized inquiries from my credit report within the legally mandated timeframe. Additionally, I request that you provide me with a written confirmation of the corrections made. 

Please consider this letter as an official dispute under the provisions of the FCRA. As per my rights under the FCRA, I also request a free copy of my updated credit report after the necessary corrections have been made. 

Thank you for your attention to this matter. I trust that you will handle this dispute with the urgency and accuracy it demands. Should you require any further information or supporting documentation, please do not hesitate to contact me using the provided contact information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: MO
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 am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. Immediately, I reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made numerous attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraudulent items on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Bread Financial Holdings, Inc.
State: MI
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 contacted the company about the information being incorrect on XX/XX/2023. The representive informed me that the informationn had already been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: LA
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today at XXXXXXXX XXXX I received an email " XXXX, Thanks for applying for a Chase credit card '', but I have never applied for a Chase credit card. 

Also, my credit is locked, so no one should be able to apply for a Chase credit card using my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, 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:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX : XXXX Account Name XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
attached is the CERTIFIED MAIL FROM USPS XXXX. XXXX is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Open options Account # : CHILD SUPPORT ENFORCEM Open options Account # XXXX CHILDSUPPORT Open options Account # XXXX Inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer 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 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 2023-10-25
Company: VW Credit
State: LA
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:
Volkswagen credit is reporting a late or missed payment when i never missed a payment the loan has 2 payments until paid off i have submitted disputes with the credit agencies and Volkswagen credit says veried when i have proof of two payments made in the month of XXXX and XXXX this needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I received an alert that my bank card was being used in XXXX. When asked if this was me I pressed no and immediately called my bank. By pressing no I assumed the transaction would be declined. It was 5 {$100.00} amounts being taken. They put the money back, but almost one month later after an investigation said it had to be me. I have never been in the state of Florida. They said there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Goodwill Letter to Capital One In XXXX of XXXX, I filed for bankruptcy, I was discharged in XXXX of XXXX. The Capital One account still appears on my credit report which reflects the account once been in bankruptcy. Since my discharge my credit has been in great standing. Please delete the old Captial One account that dates back to XXXX, from my credit report in good faith as a good will. Please consider my financial future and the hard work I have put in establishing my credit once again.

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 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The credit bureau has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. They have reported false addresses and names under my credit which is getting me confused with another person. 

My Name is XXXX XXXX - No other ways of spelling it should be deleted My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I have lived here for over 7 years and is my only address Please delete every other address. They are not associated with me. 

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 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 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