BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: EQUIFAX, 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:
After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. This, IN FACT, is a violation of 15 USC 1681 ( a ) ( 4 ). Not only is this information is NOT reported on my XXXX or XXXX reports but Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. In addition, According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Equifax has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Im trying to connect my PNC online account to XXXX. I got a message stating that PNC made a change that prevents me from being able to link my account XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Several of my credit inquiries were removed on my transition report then later were reinstated without any notification.

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 2015-11-06
Company: DISCOVER BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Our complain is about new Discover bank Online Saving account - we received the proposal from them by mail for opening this new account, XX/XX/2015. We accepted and opened this new account with confidence since we have, for years, good relationships with Discover Card and Discover Bank. We have with Discover bank : Regular CD- joint ownership by myself, XXXX XXXX and my husband XXXX XXXX ; and IRA Jumbo CD of XXXX XXXX . 
For new Discover Online saving account we transferred money from our regular bank, XXXX XXXX XXXX, with no trouble. 
At this time, we were able to access the new account. The trouble started when we startedtransfer some amount back to Peoples bank, on XX/XX/XXXX. One of customer service members mentioned that transfer of certain amounts could cause the problem, but NOexplanations on rules and limitations were given then and up to now. 
This transfer was completed, and transfer back to Discover was successful too on XX/XX/XXXX. 
Last time I could see the account, with Customer service long help, on XX/XX/XXXX, not on XX/XX/XXXX. 
I was told back in apx XX/XX/XXXX, that a special team is working on our problem and will call us. 
We never heared from them. 
Please, advice what else can we do, thanks, XXXX XXXX & XXXX XXXX email : XXXXXXXXXXXX tel XXXXSince that time, the problem is not resolved or explained. 



The problem with new account on line that EVERY time the previous password is not accepted, we have to create a new one with help of their Customer Service person whichtakes a lot of time and nerve every time. 
This trouble started when we transferred some money to our regular bank,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The company responded that they will not respond to this complaint because they feel I am not the consumer - Complaint ( XXXX ) The company was unable to respond to the complaint without authorization from the consumer. At this point, no further action will be taken on this complaint. The consumer can submit a complaint on his or her own behalf or authorize someone to submit a complaint on their behalf.. 

I am the consumer submitting this on my own behalf and not the behalf of a credit repair company. I have reached out to TU via phone and written letter with proof and they have still not responded or deleted the incorrect information on my report. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified. 

Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. All in all, they have ignored my request to provided me with the documents that they have in their files that they used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly delete all information which can not be verified. '' This law is as clear to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted 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 2021-10-01
Company: EQUIFAX, INC.
State: MO
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:
On or around XXXX, XXXX 2021 XXXX, Equifax, and XXXX took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted XXXX, Equifax, and XXXX, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( XXXX ) ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I was looking to refinance, and I went with Wells Fargo as my refinance bank. I paid {$500.00} for the upfront cost to get my application started. 

They called me back a few weeks later saying my refinance application was denied, offering no other alternatives or options for me. I requested additional information as to why I was rejected but they were not as helpful.

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 2021-10-01
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning I have been fighting with M & T Bank since before Covid hit on a loan modification and pre-mediation for foreclosure. In XXXX of XXXX I was separated and going through a divorce, with my income hampered I was no longer able to make payments as of XX/XX/XXXX. When I attempted to work on a modification suited to my current income, M & T Bank would not work with me. As such I fell behind on my payments and in XXXX of XXXX I lost my job due to Covid. At this point I was about a year behind and M & T had started Pre-mediation for Foreclosure. I contacted them to try to work with them, which they would not do. I went to pre-mediation in XXXX of XXXX but M & T and the Lawyer did not show up. At that point Courts closed and I was instructed to not take any action. Fast forward to this past XXXX when Courts opened back up, my pre-mediation was starting back up. M & T bank reached out to me to do a hardship, and I explained I was making more as well had the possibility of other income coming in starting XXXX of XXXX. Again they refused to work with me stating they did not have any programs that would help me even though I am able to make the Mortgage payment on my own if it were modified or re-financed..

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 2015-03-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
equifax mixed up me up my name /they send me a credit report with wrong name also they put my bro bill that was in collection on my credit report from XXXX, these are not my account. we are not the same people. i believe i was skip trace thur XXXX and made responsible because equifax change my address to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment for my XX/XX/2021 bill which was due on XX/XX/2021 on XX/XX/2021. They applied my XXXX payment to the XX/XX/2021 billing cycle, which I had already fulfilled that payment in XXXX. I was charged a late fee because of the of the way they posted my payment. I called and the man explained that I had made it on the last day of the billing cycle and that's why it showed that way and that he would reverse the late fee and he would take care of it. This morning I started getting late payment notices from them. I called again and after not being able to resolve it with the person who answered the phone, asked to speak to a manager. XXXX ( not sure how to spell ) told me that they would NOT change the payment to show that I had paid my XXXX payment AND that I needed to make another payment or they would charge me another late fee and my account would be in arrears. This is unacceptable. No where on the statement does it say that you can not make an early payment. I made my payment early, I have fulfilled my part of the agreement. I would like them to correct my account to show that I have made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax , XXXX & XXXX are showing a public record ( legal item ) of {$5100.00} as of XX/XX/2016. That record has been dismissed via the XXXX County Court Reference Number XXXX. Needs to be removed from all XXXX credit reporting agencies immediately, this has been dismissed by the magistrate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
In XXXX, I wrote a letter to Equifax , asking them to investigate errors on my credit report. Four months and several follow-up letters later, I have still not received a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my free Equifax credit report online. While going through their process, the application timed out and they are now demanding that I mail information to them with my ODL and social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-10-01
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax XX/XX/2021 to remove unauthorized inquiries and they refusing to remove them. I have sent in numerous police reports and ftc reports to back my claim. I spoke with XXXX from Equifax employee ID XXXX and he said he is not removing the inquiries Ill be better off filing a complaint. This is the 4th time I have gone through this process with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I made a deposit into my Capital One bank account. I received a check from the Treasury Dept for an advanced child tax credit. I received a message that it would be available XX/XX/XXXX which I have attached an image. I later receive an email stating it wouldn't be available until XX/XX/XXXX. I contacted Capital One and informed them of this error and I also informed them that the checks aren't to be held. The rep claimed there was nothing to be done and apologized. I explained that had I known that the money wouldn't be available until Monday I would have brought it in to be cashed. I am filing this complaint because their funds availability date doesn't correspond with what they told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This item was originally disputed with XXXX XXXX mortgage company, who has completed their investigation and confirmed that they have NOT reported my being delinquent to Equifax Credit Bureau. I spoke with XXXX XXXX XXXX at XXXX department, XXXX x XXXX and he stated that they have NOT reported any delinquency to Equifax for XX/XX/2013. I am attaching a copy of the results of the investigation with XXXX XXXX, and XXXX XXXX said that Equifax in improperly reporting inaccurate delinquencies. I have circled the XXXX items that need to be removed from my credit file by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: Great American Finance Co
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Great American Financial account No : XXXX open date XXXX/XXXX/XXXX my last payment made was XXXX. Great American Financial claim to have received a payment on XXXX/XXXX/XXXX this is not true. I have as for validation and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This complaint relates to all of my accounts with JP Morgan Chase. These accounts include four checking, one savings, two credit card, and one direct investment account. 

On XX/XX/2021 I attempted to purchase security derivatives in my direct investment account. I had plenty of liquidity and authorization to do so. I was informed my account was restricted to liquidation only and would be closed on XX/XX/2021. I contacted customer service who could offer no explanation or information except that I would receive a letter in the mail. I subsequently transferred my assets to another firm. 

On XX/XX/2021 I received a letter regarding the closure of my direct investment account that offered no explanation. I filed a complaint with FINRA regarding the direct investment account closure. 

On XX/XX/2021 I attempted a card present transaction on one of my credit cards, which returned declined. I checked my account online and saw that both credit cards were marked as " account closed ''. 

On XX/XX/2021 I visited the XXXX XXXX, OH Chase branch and spoke with Branch Manager XXXX XXXX. XXXX was unable to provide any information other than confirming my credit card accounts were closed but also informed me that my checking and savings accounts were also closed. He could withdraw funds for me, but could not provide any other information or assistance. 

on XX/XX/2021 I contacted Chase customer service. After 40 minutes speaking with various lines of business I was able reach the Executive Office team and file a complaint. That complain number is XXXX. 

I wanted to file with the CFPB to ensure accountability, escalation, and resolution with Chase. I will also file a complaint with the Office of the Comptroller of the Currency 's Customer Assitance Group. As a Federal Bank Examiner employed by the Office of the Comptroller of the Currency I find this treatment absurd and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I was trying to get a loan thru my bank and was told they could n't access my equifax report. So I called equifax and after being on hold for over 2 hours and transferred an got the run around I was told to fax my license and SS card because I had a sercuity freeze then wait 48 for them to get around to looking at it and removing the freeze. Well almost a week later when I still could n't access my report I was told I have a lock and my social sercuity number was removed off my name and would take 48 business hours to remove th lock that was stated in 2008 that was suppose to be canceled the same year. So I called today and now thy said it could be another 30 days to remove this control lock. Really?! After another 2 hours on hold and transferred all th place I get this.. How hard can this simple thing be to remove a lock and my banker be able to check my credit! You have no idea my frustrations with this process!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation