BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: FL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-21
Company: EQUIFAX, INC.
State: CA
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, XXXX Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX  XXXX Balance : {$790.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to you, CFPB to inform you of the improprieties conducted on behalf of Great Lakes Educational Loans. Great Lakes has no written consent, court order or Power of Authority with me. The FDCPA Fair Debt Collection Practices Act appears to be in violation due to the aforementioned things. Great Lakes is definitely violating my right to privacy as pursuant to the Constitution. The company has already utilized my personal information without my knowledge with other companies. Defaming my name to the public is also a violation of the Constitution as well as the law. These are discriminatory transactions that are being reported are impacting my ability to attain my rights to acquire the basic necessities of life ; for example a quality home, decent car and educational aspirations for my children. I feel like I am being denied my access to the American Dream by the conduct of Great Lakes Educational Loans with this treatment.

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 2023-10-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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 am presenting this follow-up complaint to formally notify XXXX, Equifax, and XXXX Credit Bureaus of my intention to update my credit reports within a 15-day timeframe. It is my earnest expectation that these three Credit Bureaus will expeditiously expunge the specified inquiries from my credit records. This communication serves as a continuation of my previous complaint, dated XX/XX/XXXX. I respectfully request that the inquiries outlined in this communication, as well as those in the aforementioned complaint, be expunged upon the completion of the 15-day credit report update period : XXXX XXXX XXXX XXXX EQUIFAX : 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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
PLEASE REMOVE AND DELETE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND INQUIRES FROM MY PROFILE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: SC
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:
This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The American Express gift card can not be used at online vendors or XXXX XXXX. Declined with no reason given despite the card being advertised to work with these service or refund the balance as cash or check to be actually useable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent all three of the credit reporting agencies and XXXX XXXX XXXX, a letter requesting validation of the debt letter Under XXXX XXXX XXXX ( c ) and XXXX XXXX ( a ). I have sent XXXX, Equifax, and XXXX letters asking to validate the debt, not by simplifying accepting codes ; I request that the XXXX XXXX XXXX verify them. I have also mailed XXXX Resorts a letter, which was signed and dated XX/XX/23, and I have not received any validation letter within 30 days. I have sent proof to XXXX and Equifax showing evidence that the company has not validated any debt or sent me anything in writing. Both credit reporting agencies only sent me a code request for the XXXX time. The law clearly states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general, subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file by paragraph ( XXXX ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
You are now notified that you have violated 15 USC 1681i, and this account should be deleted immediately ; the credit reporting agencies are not following the law given to the consumer or creditors to abide by.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CITIBANK, N.A.
State: NH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have recently had my Master Card Credit card hacked and used to make fraudulent purchases. 
I am writing this letter as recommended by the NH department of justice Consumer Protection & Antitrust Bureau ; When dealing with credit card fraud. I have reported this Citi Bank Master Card. The following is Chronological listing of events. 

XX/XX/23 Six day passes purchased at XXXX XXXX XXXXXXXX CA. for {$380.00} using my Master Card. 

XX/XX/23 XXXX XXXX charge is recorded by Citi Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX  to my card XX/XX/23 I notify Citi Bank of this fraud and a new card is issued to me and the {$380.00} charge is reversed pending Citi Banks investigation. 

XX/XX/23 Citi Bank sent me a notice that their investigation is complete and the {$380.00} charge is Reinstated, base on a report submitted by XXXX XXXX. The XXXX XXXX report notes that at the time of purchase, all of the security checks were met. The credit card frauds had the correct credit card #, expiration date, 3digit security code, my address, cell phone #, and email address. At some time and place in the past this information was stolen. 
The {$380.00} charge was reinstated to my account on XXXX 

XX/XX/23 I contacted Citi Bank to again dispute this charge, at their customer service # XXXX XXXX XXXX XXXX. 
They responded by stating it would take up to 90 days for their investigation. 

I also contacted XXXX XXXX at the Ticketing Team at phone # XXXX XXXX XXXX to dispute the charge. 
I spoke with an agent named XXXX ID # XXXX. Since that call they have sent me a written response stating that I need to work this out with Citi Bank Master Card.

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 2023-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
15 USC 1681b ( A ) ( 3 ) ( A ) Remove these hard inquiries from my credit report immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX didn't not update information of paid off account promptly after they were provided the proof they requested. 

I was required to pay off my TD Auto loan in order to purchase a building for my business. I complied and paid it off. TD Auto refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that TD Auto completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the TD Auto and Equifax, XXXX, and XXXX for them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for TD Auto was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/2023 or I will be seeking financial restitution. I have verification when TD Auto cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I filed a claim with the CFPB against Bank of American, since it closed my company 's account almost 2 years ago and has not returned the funds. After 60 days, BOFA responds that it needs 30 more business days to respond to my claim and CFPB closes the case. In reality, there was no response from Bank of America, the case must remain open or open another asking them to respond positively or negatively, but to clearly say what happens with the return of the funds.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I am writting this letter because there is wrong information on my consumer report. 
The payment for XX/XX/22 is incorrect. Account : XXXX XXXX XXXX ( XXXX  ) 15 U.S. CODE 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-10-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX, I received an email from Chase Bank saying they received my application for a Chase Sapphire Credit card. I did NOT apply for this card. I did not click on any links, I simply deleted the email and contacted Chase to ensure the application was canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
On XX/XX/23 I checked my credit report to see numerous unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Going through my credit report I noticed a collection for the amount of {$360.00}. I dont recall owing XXXX, the original creditor any amount of funds. As an insurance company based on Florida law ( FL Statutes, Sec. XXXX ), it is required for the insurance company to cover the cost for windshield repair. Upon contacting XXXX, I was told by XXXX they would not cover the expenses of the windshield cost even with me having full coverage. Knowing the law and after trying to inform them of the law, I chose to part ways with the company. I reached out to Credit Collection Services on XX/XX/2023 by postal mail requesting the debt to be validated record of any dialogue between alleged debtor and supposed creditor. Upon validation, if even possible, my next step was to consult with the agency to see what resolution we can come to and if there is an option for pay to delete. It is now XX/XX/XXXX and I still have no response from the collection agency, and the collection has still been reported on my credit as of XX/XX/2023. Being that I still have no response, I feel that my consumer rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Applied for mortgage modification during COVID have been sent so much paperwork to fill out and send back that has taken two years I supply what they need and they say they need something else but they are reviewing the application now they have sent a right of first refusal to the XXXX I belong too giving them first shot at paying my loan so they can get my ground at the same time saying they are reviewing my mortgage assistance application

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