BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I pulled my credit report and saw a lot of incorrect information. I disputed this information with the bureaus XX/XX/21. I have not received a response nor have I seen any changes to my credit report. The erroneous items on my report has caused me tremendous stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Employment Info - XXXX EMPLOYEE Is incorrect

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 2022-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/XXXX we received an email from what we believed to be a contractor, giving bank information for a wire of $ XXXX. We initiated the wire Chase Bank, sent the transaction number to our contractor, who said they were the wrong credentials. Within 10mins of the wire being initiated we called, emailed and secure messages Chase to STOP or Recall the wire. 10 mins later we got an email saying the wire was being processed, we again called the bank, sent secure messages as they requested. They did nothing. the money was deposited into the fraudsters account at Chase bank GA _ The company name was XXXX. XXXX XXXX XXXX. 

We have called. emailed. not just our branch but also the GA branch, who told us the money was XXXX out of the account within minutes f it clearing, and this was not the first time. 

We sent a private investigator to the registered address of XXXX and the person tere was not a XXXX XXXX and he had never heard of him. The bank are telling us that they have contacted XXXX XXXX at the address we looked at and untill he returns the money we are $ XXXX out of pocket. 

We believe the bank are complicit in this fraud, they obviously did not do due diligence in this man when he opened his account earlier this year, also they did not attempt to stop payment when requested. and know tell us its our fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Experian Information Solutions Inc.
State: GA
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 purpose of this letter is to request an investigation of the inaccurate information reported by XXXX XXXX  XXXX XXXX to Credit Reporting Bureaus XXXX , XXXX , and Experian. After over 25 telephone calls to the creditor since XXXX XXXX, the creditor has still failed to correct the issue and only continue to ask for more time to investigate the matter. The creditor is reporting a 30 Day Late Payment dated XXXX XXXX XXXX for credit card ending in XXXX. This account was Not Acquired until XXXX XXXX. The credit card account is showing listed with the credit bureaus as Account Number XXXX. The information the creditor is reporting is inaccurate. As for supporting documents, I requested ALL Monthly Statements associated with credit card ending in -XXXX / Account Number XXXX. The creditor provided ALL the monthly statements associated to the account. Documents provided for XXXX XXXX to XXXX XXXX. Please see attached documents. In addition, I originally requested all statements and accounts associated with my credit file since XXXX. Via telephone call, I was advised I was not allowed to receive any statements or account information prior to XXXX XXXX which is not associated with credit card /account number ending in -XXXX/ Account Number XXXX. Attached find supporting documents : XXXX Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 8 XXXX Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 57 Monthly Statements from Creditor Dated : XXXX XXXX to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: EQUIFAX, INC.
State: GA
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 purpose of this letter is to request an investigation of the inaccurate information reported by XXXX XXXX  XXXX XXXX to Credit Reporting Bureaus XXXX XXXX Equifax XXXX and XXXX. After over 25 telephone calls to the creditor since XXXX XXXX, the creditor has still failed to correct the issue and only continue to ask for more time to investigate the matter. The creditor is reporting a 30 Day Late Payment dated XXXX XXXX XXXX for credit card ending in XXXX. This account was Not Acquired until XXXX XXXX. The credit card account is showing listed with the credit bureaus as Account Number XXXX. The information the creditor is reporting is inaccurate. As for supporting documents, I requested ALL Monthly Statements associated with credit card ending in XXXX / Account Number XXXX. The creditor provided ALL the monthly statements associated to the account. Documents provided for XXXX XXXX to XXXX XXXX. Please see attached documents. In addition, I originally requested all statements and accounts associated with my credit file since XXXX. Via telephone call, I was advised I was not allowed to receive any statements or account information prior to XXXX XXXX which is not associated with credit card /account number ending in XXXX Account Number XXXX. Attached find supporting documents : Equifax Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : XXXX Equifax Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 57 Monthly Statements from Creditor Dated : XXXX XXXX to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Suntrust Bank cashed a payment sent via online Bill Pay but did not credit mortgage account XXXX image attached ). Check was sent XX/XX/2021 and cashed on XX/XX/2021 to be credited for XXXX. Bank has not accepted attempts to pay mortgage in XXXX XXXX they rejected our XXXX payment ). Suntrust now considers us to be in default. Additional payments were sent via Bill Pay XXXX Bank disabled our ACH options ) but were not credited to our account. Despite numerous attempts, I have not been able to get in contact with anyone at the bank that can help. More details in the attached.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I mailed all three credit bureaus XX/XX/2021, to verify there reporting on my credit report and they failed to do so. They had 30 days to reply are delete the reports by law. They are in Violated of 15 usc 1681b.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 explanation
Consumer complaint received 2022-09-06
Company: Spring Oaks Capital, LLC
State: MD
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, Spring Oaks Capital LLC has violated my rights. 

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1692 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently had my credit report run and and in the findings was a charge from CitiCards CBNA. The only date it shows in XXXX XXXX with a {$8000.00} limit. Below this it states that the card is OVER THE LIMIT at {$8200.00}. It was reported to my credit report that an account is now over the limit. I do not ever recall opening this account as I do not know what Citicards CBNA is. I have never been approved for anything as high as {$8000.00} nor have I ever been able to charge anywhere close to the amount.

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 2017-06-25
Company: Experian Information Solutions Inc.
State: MN
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 am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized credit inquiry listed on my XXXX and Experian credit report that do n't belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/2017

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 2018-11-03
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:
XXXX, Transunion and XXXX are given my priivate information to companies and Collection companies. 

There is a Collection of {$440.00} that I am not aware and didn't receive any notice by US Postal Office Mail. 
XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, California XXXX XXXX has placed a collection and knowing that I am XXXX XXXX and Retired. 
Collection was placed on around XX/XX/2018.

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 2017-06-25
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has violated Fla Statute 559.715 ( 559.715Assignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. ) by not sending notice of assignment to a valid address associated with me ( no XXXX has n't been my address since XXXX 2006 ) plus the debt has far exceeded the Statute of limitations. This ALLEGED debt has reached it 's 4th or 5th agency of which i have disputed validity previously and no info was ever sent back to myself. This agency is also in violation of section 809 of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: BARCLAYS BANK DELAWARE
State: MD
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:
On Monday, XX/XX/XXXX, I made a purchase to XXXXXXXX XXXX XXXX XXXX in the amount of XXXX  for car-audio speakers. This transaction posted to my account on Wednesday, XX/XX/XXXX. The merchant 's policy permits returns within 7 days of purchase for full refunds, and on or about XX/XX/XXXX, within 7 days of the original purchase, I returned the item to the merchant and the merchant, instead of issuing a return credit back onto the credit card, issued a store credit in the amount of {$32.00} that can ONLY be used at that merchant 's place of business and no where else. I have no use for a store credit because the merchant is more than XXXX miles from my billing address and I had no intentions of ever doing business with this merchant ever again. I initiated a timely billing dispute with Barclay and the merchant misrepresented to Barclay that the merchandise was not returned. To refute that blatant fraudulent representation, I provided Barclay with a copy of the store credit from the Merchant and despite receiving proof that the merchandise was returned, Barclay sided with the merchant and closed the dispute without taking any further action. The merchant has perpetrated a fraud against my Barclay credit card by accepting the return of the merchandise and then not issuing a credit back to the credit card. Now the merchant has both the merchandise and the XXXX it charged on the credit card, and Barclay refuses to do anything about either the fraudulent representation made by the merchant or assist with the chargeback. I requested that Barclay provide a copy of the merchant 's response, and Barclay refuse to do so.

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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following account information is incorrect reporting that I was late on the following accounts : XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( Transunion and XXXX ) I was never 60 days late ; incorrect late information is reporting on ( Transunion and XXXX ) ; XXXX 's : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( XXXX, Transunion, and XXXX  ) ; XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( Transunion, and XXXX ) ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I made a wire transfer for an amount of {$30000.00} to a Wells Fargo account, and it is still the date of XX/XX/XXXX that the transfer has not been processed successfully. I have called XXXX XXXX XXXX several times, and I called Wells Fargo and I have not received an answer, nor has anyone who can solve my situation. The last time on XX/XX/XXXX I called XXXX XXXX  XXXX they told me that Wells Fargo was requesting some personal data, on XX/XX/XXXX I called and gave the personal data, they told me that it would take 24 to 48 hours. Then today, XX/XX/XXXX, I call again and they tell me that they can't do anything because Wells Fargo has the money. I call Wells Fargo and it says I have to call XXXX  XXXX XXXX. So who has my money? Neither of the two banks solve my problem. 

I appreciate your help. Thank you!

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 2022-03-09
Company: Experian Information Solutions Inc.
State: MI
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:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : 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 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 2019-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Bank Of America showed up on my credit report. Ive sent multiple letters asking someone with first hand knowledge to answer my questions I sent in. To date I have yet received the answered questions, that would prove that Bank Of America made a legal loan to myself while compiling with TRUTH AND LENDING ACT. Bank Of America has yet been able to produce any documents that show they loaned their own money in this alleged debt. I have been working for months to have them take their Tradeline off 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 explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: GA
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 AM A VICTIM OF IDENTY THEFT. SOMEONE STOLE MY INFORMATION. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, ALL credit bureaus, despite constant correspondence are still refusing and maintaining old information as current. There is misinformation that is 10 or more years old that is still on ALL of my reports. There are closed, XXXX and false accounts still on my reports, PLUS there are many unauthorized hard inquiries that ALL three credit bureaus refuse to remove! 
There are multiple accounts which were NEVER my own due to identity theft which ALL three credit bureaus REFUSE to remove! 

ALL mentioned must be REMOVED immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a debt collection letter stating that I would be litigated against if I did not pay {$5400.00} by XX/XX/XXXX. This account was closed by the original creditor ( Capital one ) without consent or notice. My original credit limit was {$3500.00}. the account was closed by capital one on or about XX/XX/XXXX. Capital one continued adding interest charges 1 full year after in the amount of {$5300.00}. I asked for the original accounting document to figure out how the calculations were made and the validity of the account being closed as it was not agreed to and possible fraud was suspected by capital one. I was denied my request for any information besides a generic debt validation letter.

Company response to consumer: Closed with explanation