BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 am writing to demand removal of all charge off 's, collections and public information removed from my report. This is a violation of 15 UCS 1681 ( a ) 4 and my right to privacy.

Thank you.

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt keeps popping up on my credit report, and I have disputed it several times. The account was being serviced in a state that I have never resided in and at a time when I was living in a completely different state. When I contacted the agency attempting to collect on this debt, I was provided with the service address, the account number associated with the account and the dates of service. I also contacted XXXX customer service and the referred me to file a complaint of identity theft/fraudulent account here.

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 2023-11-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My husband has visited the Citizens Bank located at XXXX XXXX XXXX XXXX NY XXXX and each time he visit hes meet with discrimination and differential treatment because of his skin color! My husband has his own accounts with Citizens Bank and he has been banking with them for over 18 years. I sent my husband to cash a check that I wrote to him from my account to pay the contractors working on our home and each and every time hes visited the branch hes told he cant cash the check without coming into the branch. Whenever I go to the branch to cash a check through drive thru I have no issues. I spoke to the manager XXXX and banker XXXX XXXX today and they both told me the tellers are allowed to pick and choose what checks they will cash and what amounts as long as its under XXXX. The Manager XXXX said it depends on the tellers mood. I explain that Ive cashed checks for same dollar amount through drive thru and never had issues. When my husband visits other citizens banks hes not meet with any nonsense or discrimination. The checks I write are personal from checking and has the same last name on the checks not to mentioned mt husband is a client he has his own accounts with Citizens Bank. Ive witness other people cash checks for similar amounts Ive written and they never seem to have a problem in drive thru at the XXXX location. The difference between them and my husband is skin color! That is clear! You cant say mood of tellers because there is no interaction face to face. Their clearly judging the same check written by me and comparing it to the driver license in front of them. How does that constitute as a mood. They could check my account and see that Ive written checks before to the person cashing which would also show a pattern. Therefore using fraud or suspicion is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My husband noticed a XXXX XXXX from amazon for {$140.00} from XX/XX/2003 on chase credit card, which we did not authorized and was disputed as we were directed to do when we called Amazon, were the charge came from, the amount was disputed and AMAZON refunded the money back, the dispute was resolved, but the problem was when it never reflected on the credit card balance the balance appeared the same as it if the prime charge was never removed, I called chase several times spoke with different people and finally one supervisor caught the error but unfortunately she had transfer me to the recovery department from what I remember and said after I asked that she could not provide a direct phone number to her and that the issue had to be resolved by this specific department even tough she explain the issue before she transferred me they did not resolve anything even thought I explain many times that I completely understood that they were directing me to look at the statements they provided but never reflected that the amount brought the balance down as it would have to reflect, they told me when I disputed the amount they credited the amount and they took it back and CHARGED IT AGAIN so that is why my balance never went down because the way it was done would not reflect that amount being removed if you have any questions please fill free to reach me at one point I thought of just letting them literally rob us but then it's not right and we should not have to pay this amount, thank you, also the supervisor that I spoke last is XXXX gave me a case # XXXX this might be helpful because she is the one that understood the issue but transferred me to recovery department where nothing was solved, thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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 XXXX  account XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: PA
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 DO NOT AUTHORIZE, BENEFIT, NOR CONSENT FROM THE INQUIRIES BEING REPORTED ON MY CONSUMER REPORT ( XXXX ). I DEMAND THAT THESE INQUIRIES BE DELETED IMMEDIATELY!! PLEASE VIEW THE ATTACHMENTS ALONG WITH THIS COMPLAINT. 

REPORTING INQUIRIES ESPECIALLY WITHOUT MY CONSENT IS A VIOLATION OF THE FCRA. CONGRESS DEFINES WHAT IS TO BE EXCLUDED FROM A CONSUMER REPORT ( INQUIRIES ARE EXCLUDED FROM CONSUMER REPORTS ), AS WELL AS DETAILS PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ( WHICH YOU HAVE NO PERMISSIBLE PURPOSE ). 

I DEMAND A PROMPT RESPONSE WITHIN 10 DAYS UPON RECEIPT OF THIS NOTICE! THANKS

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 2023-09-22
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was defrauded by an auto mechanic in XXXX and I immediately reached out to Bank of America and Visa, the card issuer, to assist with consumer protection. I brought my car in for a FULL SYNTHETIC OIL CHANGE AND COMPLETE TUNE UP, but the mechanic performed a conventional oil change and only an incomplete tune up. When I collected my vehicle, I noticed on the receipt that this was not what had been discussed in person and by phone with the shop manager. The clerk informed me that management was away and I would have to call. I did, immediately, and spoke with tech, who apologetically conceded that they did not perform the agreed to repairs. He provided contact information and informed me that I could also expect to receive a call from his manager. When reached by phone, she similarly apologized and offered a partial refund and a re-do of some of the work. I agreed, but when I brought the vehicle back to the shop, the aging owner aggressively approached me. He overruled her on the refund and re-work and berated me in front of the customers. He invaded my personal space and I left the store with a warning that, had I stayed, I would need to involve the police because he was becoming belligerent. About 5-10 minutes, later I received a frantic call from the manager again asking me to return to the store for a partial refund. I informed her that I did not feel safe returning to the store and she admitted that he was out of control. I told her I would handle it with my card company and bank. The Bank of America representative assured me that I neednt worry and that my Visa/BOA card was fraud-protected. The man did not perform the work that was agreed to and I should be due for a full refund. I contacted the Better Business Bureau, but the shop did not cooperate. I similarly reached out to an association of auto mechanics. I eventually received a temporary credit for the charge. I thought this was over until Thursday, when, without warning, I saw that the amount of {$460.00} was withdrawn from my account. I had not even been consulted. Had they asked, I could have included further testimony and documentation. This man, whos shop is currently 1-star rated, did not perform the work he was paid to complete and then physically threatened me when I attempted to resolve the problem. He did perform some work, but it was not what was paid for. I was completely defrauded and the card company inexplicably sided with a merchant with a history of intimidation and shoddy workmanship. I am flabbergasted and have since reached out to local news media about both the mechanic shop and Visas response.

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 2023-02-15
Company: Southwest Recovery Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I called the original creditor and was told they don't have a record of the debt. I contacted XXXX and XXXX and ask them to remove it based on the information I was told that there was no record of this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Information belongs to someone else

Complaint:
Equifax is constantly saying that XXXX  is my debt. I have no know knowledge of XXXX. Im going to continuously fight this until it is completely removed from you bureau. Ive also reached out to to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file a identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR FINEWISE/ OPPLOANS THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a chime account about 2 weeks ago. About 2-3 days later my account was locked/suspended. I called the chime support team and they said its because they needed documents like my social and my state ID and proof of my address. I sent everything I needed, its been 2 weeks already that Ive been calling the chime support team everyday asking about my account. They said there is nothing they can do that I have to wait, I have a check that already went to that account and I have no access to it. I called again today XX/XX/2022 and all they tell me is we are going to escalate your situation and we should get back to you within 24 hrs but nothing ever happens, I dont get no email of my status of my situation and they always tell me there is nothing or no one else hire up who I can talk to. I need access to my account, Im a single mother I have bills to pay and a child to feed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Upon checking my credit, numbers are missing from my credit report ( s ). Please add and update my phone number ( s ) on my credit report immediately! XXXX XXXX Also add address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Idaho Housing And Finance Association
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2022, I went through a huge mess with HomeLoanServ to get my mortgage current after going through XXXX forbearance and divorce. I was told that my credit would show as on time once I filled out the home retention packet, which I emailed back on XX/XX/2022. I was told that after XXXX months of on-time payments, I would receive new paperwork and my credit would show current for the mortgage.Unfortunately, things did not work out like that, and even though I continued to make payments, I was consistently told that there was a rare error in their computer system. Eventually, I filed with the CFPB and finally got someone to help me. XXXX with HomeLoanServ was great and got everything back on track. Still, after getting my annual credit report from the XXXX credit bureaus, my credit is still showing delinquency. Each credit bureau is reporting something different with different months being delinquent, even over the summer after getting paperwork squared away finally. I looked at the report HomeLoanServ gave in response to my initial CFPB report, and it is stated that their XXXX asked me to let her know which months were showing up as delinquent in my credit reports. That never happened. I never was asked, nor did I know that they would need that information. Wouldn't they share that information naturally with the credit bureaus. Why would they need to ask when they can see from their own records that I submitted the home retention packet at the end of XXXX. Shouldn't they just report that I have been current on my mortgage since XX/XX/2022? HomeLoanServ needs to follow through and make this reporting correct with the credit bureaus. XXXX XXXX, who is also listed on the loan, needs to have it corrected for him as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
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:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from my credit report.

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 2023-02-06
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 Auto Loan was sold and XXXX in the amount XXXX I disputed the items to Credit Agency and the company bridgecrest no action was made. I would love dor this to be removed from my report being that it is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: TX
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:
The CFPB wrote a regulation in accordance with the law under the FDCPA to prevent debt collectors from communicating with consumers through any medium. XXXX XXXX XXXX ( XXXX ) violates that provision. 12 CFR 1006.2 ( d ). Suppose the 3 XXXX  and XXXX  does not delete the extension of credit from my consumer reports. In that case, it will be treated as a Racketeering Activity. XXXX is harming my reputation to extort me into repaying an extension of credit. 
I entered into this credit transaction without being fully informed about its provisions and how it would be used to extort me. 

Please see attached evidence.

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 2019-02-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a Chapter XXXX Bankruptcy XXXX on XX/XX/2018 and have not received mortgage statements from my lender, Well Fargo and they have not been applying received payments consistently and have denied receiving payments, even though I have proof. My bankruptcy attorney has made repeated request that they send me statements to no avail. I Am ready to sue them and ask to have them sanctioned for violationsn

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