BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-22
Company: EQUIFAX, INC.
State: MD
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 disputed a collection account XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with the credit reporting agency. The collection agency was unable to properly verify and validate this particular said debt. Even after requesting a re investigation as well as proof of how the credit reporting agency determined this debt to be verified, I was informed that there was no formal investigation and that they only required for the collection agency to enter a code elctronically to verify that this debt that I had no prior knowledge of was accurate. The collection was even removed from my credit file in XX/XX/XXXX and then re inserted without providing me the proper 5 day notice prior to. After calling the credit reporting agency, I was informed that the collection agency may have removed and re inserted the collection in error and that they were unable to remove the debt unless I provided them with a police report. As a result of this misinformation, it has caused me higher rates on my insurance, vehicle purchases, and is also making it hard for me to obtain a mortgage for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I think I may have been a victim of identity theft. Account is not mine!

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 2021-08-23
Company: EQUIFAX, INC.
State: NC
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:
My student loan account for XXXX XXXX is showing multiple late payments when it shouldn't. I sent all 3 credit bureaus proof of all my forbearance dates and they are still reporting late. There should be no late payments on this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WS XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL 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 2022-01-19
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by I.C. Systems, Inc., a debt collection service regarding an unpaid XXXX bill in the amount of {$2300.00} for a XXXX XXXX. I do not know who this person is and is not me and after explaining to I.C. Systems, Inc., this was not me, they said they were aware of this and demanded I pay anyway. I was told I was chosen because they thought I would give in and pay and had good credit even though I was not XXXX XXXX. Further, the bill was not even for a state that I have ever lived in and I have never had a XXXX account. They did not care and threatened me with damaging my credit by notifying the credit bureaus and that they stated they knew they could not sue me as I could prove my identity. All calls stopped after I refused to pay for some other unknown party and they marked my credit report. I tried to dispute but they refuse to remove even knowing that this is not my debt nor anyone I have ever known or met in my life. This is true abuse of their position.

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 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my checking account on XX/XX/2021 for no good reason after 10 years of business relationship. As soon as I found out, I called the bank and ask to send my account balance check {$520.00} to my mailing address in XXXX XXXX. I waited almost one month not receiving the check, so I called the bank today ( XXXX XXXX ). The bank customer service told me the check was sent to my home address in XXXX instead so I have not received the check. She also told me I have to wait for 120 days to get another check. Due to pandemic I dont live at my home for almost 2 years and I can not get the check and I need the money badly since Im a retired senior. Can you help me to get my check {$520.00} from Bank of America ASAP?

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 the XXXX  account # XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violate my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX L 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.

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 2021-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
in XX/XX/XXXX I noticed the checking account was hacked. This was an account that was just collecting interest for years. I did not start monitoring the account until mom brought this to my attention. I closed the account in XXXX XXXX the account was hacked from XX/XX/XXXX to XX/XX/XXXX. Chase went all the way back to XXXX XXXX they haver a disclaimer stating that they only covered the first 60 days.my problem is the fact that the bulk of the money hacked was between XXXX and XXXX XXXXthe amount in question is over XXXX the account was hacked through XXXX XXXX In XXXX of XXXX XXXX XXXX sent me a letter stating they would return the money taken in XXXX but Chase would have to agree and. they did not. i enclosed paperwork that substantiates my claim. I hope you can assist because this was a joint account with my mom who passed away XX/XX/XXXX. Any assistance will be greatly appreciated. thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: AZ
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:
Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. My record shows that these accounts was Late and I never missed a payments. Please provide me with enough proof as evidence that I have been late on these accounts. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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: Credit inquiries on your report that you don't recognize

Complaint:
There are several inquires on my credit report that I did not give my written permission to have pulled one being PSECU, along with several others I don't even recognize. 
I've filled a report with IdentityTheft.gov and also with XXXX XXXX XXXX XXXX. 
I will attach the report I've made with XXXX below. 

Also when I applied for my auto loan with the dealer they said that they would only be applying with XXXX of Texas, and that I would only have XXXX single inquiry. 
I never gave permission for any other inquries, I will list all below. 

XXXX, XXXX XXXX XXXX XXXX XXXX CARD SERVICESXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX. 
I never once even heard of " XXXX XXXX '' being used for my auto loan. 
As you can see it was pulled serval times on different dates. 
I would like all these fraudulent inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a student loan that is now with XXXX XXXX XXXX and I am making payments to avoid the garnishment they are trying to file. I believe that my statue of limitations were up prior to collecting payments. I have also asked for documents on the student loan and they have n't been able to provide me with the correct documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
This company discovered a breach of personal information on XXXX XXXX, XXXX and did not report it to the public until XXXX XXXX, XXXX. Meanwhile there is someone putting inquires on all my credit reports because they have my information and the company has failed to inform me or anyone of that matter. It took 6 weeks for myself and other consumers to find out, while in the meantime credit reports and scores are being affected. On top of that in there findings 3 executives decide to sale there share of the company and protect their self and personal information has been compromised. These unauthorized inquires should be removed. 

XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX + XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX Banks XXXX XXXX XXXX  XXXX XXXX from XXXX XXXX, XXXX + XXXX Banks XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
Use Credit Union Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + XXXX - XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX  XXXX/fore Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: OH
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:
Reviewed my credit report and noticed my student loans are not reporting correctly for 2021 and my loans are deferred now, but it is showing my loan payments are late and it is affecting my credit score and holding up the process of me purchasing a home. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these late payments must be investigated or deleted from my credit record within 30 days and updated. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
Accounts : DEPT OF ED / XXXX XXXXUS DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The homeowner has been trying to get a loan modification since XX/XX/XXXX. During this time Washington Mutual stated that the application was lost, re-apply. During the period of XX/XX/XXXX WaMu was acquired by XXXX XXXX XXXX XXXX XXXX. I have applied 4 times since with JP Morgan Chase only to be denied : without an explanation for the denial. 

On XX/XX/XXXX A notice of foreclosure was filed during a loan modification application, which began dual tracking against the homeowner. 

On XX/XX/XXXX a Lawsuit was filed against WAMU and JP Morgan Chase for Recession. A award was given for the amount of {$90000.00} and No loan amount further owed. 

On XX/XX/XXXX a decision was granted to homeowner for Rescission in favor of the homeowner. Case number : XXXX vrs JP Morgan Chase XXXX- XXXX. The Recission award was for {$90000.00} dollars. To this date I have not seen any account, nor was monies not received on behalf of homeowner. 

On XX/XX/XXXX the Court dismissed the above case without prejudice. I have not received any monies thus far. 

According to JP Morgan Chase the Principle Reduction was paid to MERS account # XXXX : the homeowner is not aware whos account this is? 

The 1st Statement of Foreclosure was sent to homeowner of XX/XX/XXXX. 
The second Statement of Foreclosure was sent XX/XX/XXXX. 
homeowners statement shows {$24000.00}. as of XX/XX/XXXX. 
Chase Bank has assigned a new processor : effective XX/XX/XXXX to XXXX " XXXX '' XXXX  XXXX. The XX/XX/XXXX will discriminate against the homeowner as will not begin ( this mannover is typical of shorting SMS client to advance foreclosue, and discriminates against the homeowner. The mortgage review and or new modification process : shorting the process by 2 weeks. 

The homeowner has a XXXX XXXX XXXX and show strong evidence that the following possible violations exist : 1. Broken chain of title.

2. No just standing 3. Gross fragmentation of the note to XXXX XXXX. 
The home owners XXXX audit produced in XX/XX/XXXX also show strong known robo signer participation in MERS documents and more. 
The Homeowner alleges the following investor, Master Trustee and servicers ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include : : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: JPMORGAN CHASE & CO.
State: CO
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:
On XX/XX/XXXX I purchased a XXXX XXXX deal for my family and I from XXXX XXXX using the Chase credit card. On XX/XX/XXXX a day before the trip I tested positive for XXXX XXXX and we immediately notified the XXXX XXXX and canceled the trip. On the same day we notified Chase and we were told to file a claim and provided all the required documents. 

The Chase credit card claim department kept asking us to resubmit the documents we have already submitted and each time they told us to wait another 3-5 business days since it takes that much time to review the add on documents. When we follow up with a phone call, the excuses they give us are always different and they tell us the issue will be resolved. Since we already paid {$5000.00} cents to purchase, we are not able to use our money to plan another vacation. According to the XXXX XXXX protection plan, Chase reimburse up to {$1500.00} per person and {$6000.00} per trip for your pre-paid, non-refundable passenger fares, if the trip is canceled or cut short by sickness, severe weather and other covered situations. Our last conversation today with the agent was, We dont know how long this process takes, they are expecting a confirmation from XXXX XXXXXXXX XXXX and no guarantee on reimbursement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries  removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at XXXX. I simply want these inquiries removed from my credit report with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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've recently pulled my credit report and noticed some unauthorized inquires reporting to my credit report. I need these inquires removed at once because due to FCRA anything reporting to my credit that is not accurate must be removed at once. The inquiries are listed in the letters attached below about the unauthorized inquires to each bureau. I do not won't to file for litigation but will if necessary. Thanks for your help with this effort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This account is not in my name and needs to be removed from my credit history. As of XX/XX/2019, this account was PAID IN FULL for the corrected balance due. They were in formed on numerous occasions that in XXXX this account was hacked. The person who hacked my account attempted to charge and make payments from fraudulent accounts. At that time, you closed my online access. Then refused to provide me with any monthly statements. However, during that time, you felt the need to charge late fee after late fee after late fee on an account that by your own admission I had no access to or record of account balance. It was not until you were threated with legal action that you provide me mailed monthly statements but that again took you over 6 months to do. 
Therefore, when I refused to pay those late fees you got mad. In XXXX of 2019 you were sent a settlement check of {$660.00} which was the correct balance after removing your numerously illegal monthly late fees. See if you dont provide a customer with account access or monthly statements you can not legal charge a late fee. SO, I thoughtfully removed those from my account and provide you with a final payment closing out this account in my name. 
Now you continue to refuse to acknowledge that you accepted the settlement agreement by depositing the check, yet you deposited the check and credited my former account. SO, any charges to this account after XX/XX/2019 are not mine and I have no legal responsibility to pay them. IN fact, this account is no longer considered my debit. 
So, as I have directed you several times. You are to cease and desist from contacting me any way, shape or form about an account that is not legally mine. As far as the credit agencies reporting this account should be marked paid in full account closed with no balance due as of XX/XX/2019. IF you continue to harassment and file false reports to my credit report, I will seek legal action. You have been warned!!

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