BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All of my Alliant Credit Union accounts, a checking, saving, and certificate of deposit, were frozen on XX/XX/2020. Alliant Credit Union froze the accounts after receiving a threatening letter from XXXX XXXX XXXX XXXX, a XXXX XXXX family law firm on XX/XX/2020. Thus far, Alliant Credit Union has refused to remove the freeze and has not responded to my emails asking for the freeze to be lifted. My electricity bill was not paid and I incurred fees as I could not move money to pay my bills because my account was frozen. In the letter to Alliant Credit Union ( which is attached ), the above-mentioned law firm misconstrues the scope of the California Family Law Standard Restraining orders forbidding any transaction from the account, regardless of whether it is for necessities of life like my electricity bill or DMV fees. Alliant Credit Union responded with this reasoning for freezing the accounts to both opposing counsel and me, Under the instructions and threats in your letter, if the credit union allows Ms. XXXX to withdraw any funds, Mr. XXXX will hold the credit union liable for the amount of such withdrawals. The credit union can not know whether a requested withdrawal is in the usual course of business or for the necessities of life. Therefore, we ask that you meet and confer with Ms. XXXX and her counsel, if any, to provide instructions to the credit union that are consistent with the terms of the restraining order. Absent a corrected letter from you, it appears Ms. XXXX should ask the court to assist her in correcting your misrepresentation of the restraining order and providing guidance to the credit union on the amount of withdrawals the credit union should permit. 
I contacted opposing counsel and asked them to unfreeze the account on XX/XX/2020, which they refused to do. 

Alliant Credit Union froze my account because of fear of retaliation from XXXX XXXX XXXX XXXX, not a violation and without an appropriate court order. Alliant Credit Union did not inform me of the freezing of the account and I found out when trying to login to my account on XX/XX/2020 to pay my electricity bill. Alliant Credit Union has forced me to incur legal fees to adjudicate this matter and removed access to money for me to pay for the necessities of life. XXXX XXXX XXXX XXXX also sent this letter to at least two other banks, which thus far have decided NOT to freeze my accounts unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
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: Account status incorrect

Complaint:
I contacted Equifax on XX/XX/2021 to verify my XXXX credit card accounts with XXXX XXXX is closed on my credit report. 
The supervisor confirmed my account is showing closed. 
I informed the supervisor at Equifax that XXXX is reporting the accounts to as open as of XX/XX/2021. 
She informed me to contact XXXX to correct the issue because shes showing the creditor has reported the account as closed and that equifax is also showing the accounts as closed. 

I contacted XXXX and they informed me there is nothing they can do on their end. XXXX advised I get back with Equifax or the creditor to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Once again we are harassed by the TD Bank and XXXX XXXX XXXX duo in that when we login in to XXXX there is no mention of the below NEW {$300.00} charge back, and even lists a NEW {$5000.00} charge back that we can not respond to. Please urgently advise, and TELL THEM TO get it together. In other news, THEIR FIXER CONTACT " XXXX XXXX '' never answers his phone when we call him back and leave a message. Please TELL THEM TO attend to this matter and fix, or we will have to file yet another series of complaints against TD BANK and XXXXl XXXX of XXXX XXXX Unit with the OCC, CFPB, XXXX, FTC and XXXX. PLEASE TELL THEM TO be guided accordingly, and take a personal interest in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Chase Mortgage. I have always paid on time and usually pay additional toward principal of approximately {$320.00} per month on a monthly mortgage bill ( PITI ) of approximately {$990.00} per month. I believe it was for my XX/XX/2018 statement when made my typic payment and over payment of {$1.00}, yet I realized the overpayment would be best used to pay other debts the following month. I called Chases customer service and they assured me it would be no problem to suspend these funds for and apply only what was due so that {$310.00} would be waiting in suspense for the following months payment of {$670.00}. This was documented as case number XXXX. The following month, I did make the payment per our agreement of {$670.00} on time yet Chase did not apply the suspended funds. This made me appear late to Chase even thought they committed to hold these funds in suspense awaiting my {$670.00} paynent. 
Soon after, I started receiving requests for mortgage assistance from Chase and knew there must be a problem with the commitment Chase had made. This late payment caused my credit score to go down approximately 63 points. This decrease caused XXXX XXXX to decrease a credit limit on one I my cards by {$11000.00}. XXXX XXXX XXXX decreased my credit line approximately {$2000.00}. These credit decreases of course had meaningful impacts on my credit utilization ratio by decreasing the denominator - this resulted in further negative impacts on my credit. Concurrent to all this, I spoke to a first level customer service rep who got my problem to a second level person named XXXX XXXX. Mr. XXXX listened to my concern but was more than a little rude. Regardless of his lack of empathy to my issue, over multiple calls, he did agree that Chase made an error and got the actual payment application corrected. He was unable to address the financially devastating impact that this bank error had on my credit score. Over  time after multiple calls, I requested escalation and was eventually offered access to XXXX XXXX. XXXX has a voicemail that does not allow for people to leave messages and only allows emails. I have emailed her multiple times and she has attempted to call me back during hours when I am at work as a school bus driver for my community. After I stopped aggressively pursuing her for a resolution that helped me reestablish my now destroyed credit, she was happy to stop calling me for a resolution. I am glad to forward these emails. I need Chase to assist me. Whether it is to extend me a credit card of {$20000.00} at favorable rates or some other solution that has the same positive effect as their error caused a financially devastating negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  Date opened XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on 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 2021-12-11
Company: WELLS FARGO & COMPANY
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:
Today XX/XX/XXXX I had checked my credit report through credit wise. And I had noticed that on my report was a account through Wells Fargo bank stating on a charge account with a {$3800.00} credit limit. Account opened on XX/XX/XXXX. And highest balance reached was {$840.00} and account closed was XX/XX/XXXX. Which, I have NEVER had any accounts through Wells Fargo bank. But my father has, me and my father have the same name. I am XXXX XXXX XXXX and my father is XXXX XXXX XXXX my father did NOT commit a crime, but the companies have always reported it wrong. I contacted Wells Fargo this after noon of XXXX XXXX. And they stated we have no information on you or youre fathers name so I stated I will be filing a report on this. And so here I am. This is wrongfully on my credit report and I would like it removed as this violates FCRA -fair credit reporting act-. And after 60 days I do not get this account removed from my credit report and/or a letter in the mail stated this account has been removed by Wells Fargo , I will be contacting my lawyer. Thank you XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {XXXX} / XX/XX/2022 XXXX / {XXXX} / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX  XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX  Date opened XXXX XX/XX/XXXX Balance : {$430.00} ; XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$520.00} ; XXXX XXXX XXXX XXXXE XXXX Date opened : XX/XX/XXXX Balance : {$800.00} ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on 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 2022-11-10
Company: EQUIFAX, INC.
State: TX
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:
I did not authorize nor consent to the following inquires being furnished on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2021 I sent letters to XXXX XXXX about wrong balnace reporting on my credit report. I have paid them in full and that should be reporting. unfortunetely its reporting that I owe {$340.00}. Thats inaccurate. I owe {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed many things in collections on Equifax and they all come back " verified '' - some of the things, the original creditor information has already been deleted and removed from all XXXX due to SOL or unable to verify the account info. I have disputed the same things with XXXX XXXX AND XXXX, and they have all come back DELETED XXXX XXXX XXXX XXXX and an XXXX XXXX accounts have all been removed from the other XXXX, I even called XXXX myself and they can not locate any of my records, if I ca n't get them, how are they verifying ... this stuff needs to be removed NOW if they can not verify. XXXX of the XXXX accounts ( Salute / Tribute ) by FTC ruling they are not allowed to collect on these charged off accounts, but yet they remain - This is beginning to be bs ... the other XXXX removed them no problem. Even on XXXX the XXXX account is PAID and CLOSED as of XXXX 2010

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax wo n't allow me access to dispute items in my file online, even though I 've given Equifax the documentation requested. After receiving both letters, I mailed the requested documents and I still do n't receive any assistance. 


Equifax also reinserted the XXXX XXXX Bank account into my credit file without informing me. This account had been previously deleted. Since Equifax did not inform me within 5 days that the information was being reinserted into my file Equifax is in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: Commonwealth Financial Systems, 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: Investigation took more than 30 days

Complaint:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: HOVG, LLC
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:
HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021 I applied for the Citi XXXX XXXX XXXX. The application went in and I received an instant denial. In the following 30 days I have not received any letters or other communication explaining the denial. In the following 60 days there have not been any offers to explain the denial from Citi Bank. This is in violation of 12 CFR Part 1002.9 ( a ) ( 1 ) ( i ).

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