BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: CA
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 disputed this back in XXXX and haven't heard back from Equifax until yesterday, I also disputed with XXXX. Equifax continues to mail XXXX XXXX XXXX, And my name is XXXX XXXX no middle initial. I was told to be exact on your name. And my name is XXXX XXXX15.US Code 1681 E ( b ). 15.US Code 1681 ( 5 ) ( a ) Accuracy. 15. US Code 1681i ( 5 ) ( B ), Reinsertion of deleted items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I went to www.myfico.com to pull my credit reports before applying for an auto loan. I was able to pull all of them except Equifax because it said my information in their system didnt match. Ive never had that issue before and just thought it was a system glitch. The next day or so on XX/XX/XXXX I applied for an auto loan through XXXXXXXX XXXX XXXX Kentucky. They were able to pull my XXXX  and XXXX  scores but my Equifax file said no credit file found matching that info and the bank suspected fraud and denied my loan. I contacted Equifax on XX/XX/XXXX and was told there was some sort of internal hold on my file and that i needed to submit a copy of my drivers license along with a social security card or birth certificate and wait XXXX business days for it to be corrected. It has been almost 20 days and I nor any lender can access my credit file. This has caused me to be denied credit. I have called them and faxed information several times and NOBODY seems to know what the issue is. Every time they just keep saying send more documentation. This should be illegal for an agency to be paid to maintain a file on my financial history and I cant access it when I choose! When I get anyone on the phone they just give me the run around. Nobody is actually working on helping me figure out the issue. I am now in the process of figuring out how to take legal action. I have lost financing several times in the last few weeks because of this. I need serious help with this matter. Im literally on the phone with them as we speak and the agent hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: GA
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:
There are currently credit inquiries on my reports that I did not authorize. I have no knowledge of these inquiries. I am a victim of identity theft and my police report and FTC document is on file with all three credit bureaus. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are currently credit inquiries on my reports that I did not authorize. I have no knowledge of these inquiries. I am a victim of identity theft and my police report and FTC document is on file with all three credit bureaus. 


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 2022-08-28
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX authorized a removal of a hard inquiry made in XXXX of 2022. XXXX and XXXX removed this from my report. Experian has, after many attempts, refused to remove it. 

A letter sent to XXXX XXXX, asking for a letter to be sent directly to Experian was replied to, via a pre formatted response, explaining Credit inquires and opt-out procedures. This is also attached for your review.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
You all closed my previous dispute and did not remove the items or do what needed to be done! I was a victim of identity theft back in XXXX  where an auto loan was taken out in my name fraudulently. After speaking with XXXX advising that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. The bankruptcy and XXXX  account along with any other items associated with the bankruptcy DO NOT BELONG TO ME and needs to removed from my credit file. XXXX has already deleted the bankruptcy and I am needing you all to follow suit and do the right thing! THE BANKRUPTCY DOES BOT BELONG TO ME! Also the XXXX XXXX XXXX account needs to be adjusted to the correct amount! The business scammed me into signing a lease that they were going to over charge me for from the beginning! I am not asking for the item to be removed but I am needing to balance to be adjusted as this is not right! This is affecting my credit tremendously and needs to be corrected! They are now offering to settle the balance for {$800.00} after trying to charge me almost {$4000.00} for a {$1000.00} bed. Please remove the bankruptcy from my file and correct the balance for the XXXX XXXX XXXX account!

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My individual consumer rights are being violated and my credit standing negatively impacted. TransUnion is now willfully noncompliant and negligent in its failure to correct incomplete and what it classifies as " unknown '' information on my consumer report despite its recent reinvestigation that I initiated as a consumer. 

Per my attached reinvestigation results, dated XX/XX/22, TransUnion claims that it verified the information with account furnishers. I request that TransUnion provides a description of its reinvestigation procedures no later than 15 days after receiving this request.

Most importantly, following a reinvestigation, TransUnion has the duty to promptly delete accounts that are inaccurate, or incomplete, or can not be verified, per FCRA 611 ( 15 U.S.C. 1681I ).

Documents Enclosed : - Reinvestigation results that I received from TransUnion - Photocopy of my Driver 's License

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 2022-07-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I deposited a check via de Chase Bank XXXX XXXX, for the amount of {$4300.00}. The bank placed a 10 day hold on the check. On XX/XX/XXXX I contacted a representative of the company that had issued the check and she verified that the check had cleared on their end already. However the hold on my part continued. On XX/XX/XXXX I logged in to verify that the hold had been removed, which it had. On XX/XX/XXXX I logged in to check my account and I was unable to see the account. I immediately proceeded to go to a branch and figure out what was going on. In the Chase branch a representative was able to confirm that my account had been closed without notice on XX/XX/XXXX but was unable to provide further details and said that a check would be sent out to my home address in 7-10 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/XXXX To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, eighth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once! 

FRAUDULENT Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} There are also a number of Inquiries that should also be removed. I did not request service or credit from them : XXXX XXXX XXXX XX/XX/XXXX There are also incorrect addresses listed, which I have complained about and request the immediate removal of this incorrect information XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the fraudulent information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
A Capital One Bank USA account ending in XXXX was opened in my name on XX/XX/XXXX without my knowledge or consent. High credit of {$2900.00} with a XXXX limit was charged and the amount was never paid off. All of this information I obtained through my XXXX credit report. I called Capital One in XXXX upon learning that my identity had been stolen and they informed me that there was an alert on the account and they could not discuss details with me but would get back with me. I never heard back from them until it was turned over to collections and I received a bill for {$3100.00}. This was the first bill I ever received sent through mail to my address, dated XX/XX/XXXX, from collections. 

I never received an initial card sent to my address. I never received account disclosure and details sent to my address. The first I ever heard from Capital One was once the card was delinquent they began to send text messages to my phone beginning XX/XX/XXXX. Initially, I thought it was a scam so I ignored the first couple texts but then after checking my credit on XXXX, I realized someone had in fact opened an account in my name, charged an initial {$2900.00} to the card and never paid. 

To this day, I do not know the original address card was sent to, the full card number, and what was purchased. I am going to follow up with frauds department at Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Earlier this year i signed up for a credit monitoring app and found out that someone had applied tor 4 credit cards under my name to am address i no longer even live anymore, immediately froze my credit and place a fraud alert on my report, i reach out to these banks ( XXXX XXXX XXXX XXXX XXXX and Chase bank ) to let them know i wasn't the one who applied for these cards. 

I also found out that the bank detected the accounts where fraudulently opened and had terminated the cards but then the cards still appears on my credit report and have BADLY affected my credit score which went from XXXX to currently XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-11-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Someone stole my identity in 2019 and I have not been able to do anything since. Someone recently stole my computer with both mine and my sons information and I fear it will only make things worse.

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 2023-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has been sold to debt buyer. XXXX is reporting as an open account with XXXX late and 11 monthly past due information to the credit bureaus.

Company response to consumer: In progress
Consumer complaint received 2022-09-22
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I requested to have the PMI removed b/c my home value met the 78 % loan-to-value threshold. In XXXX they cashed the XXXX checks and have ignored me since then. I called the fourth time again and was told that an appraiser will reach out to me in 10 days and that was in XXXX. My loan-to-value has been well below 78 % since XXXX, and I can provide comps to prove that, I am seeking retroactive credit for MI since XXXX when I made the initial request. The servicer is ignoring me and has taken my money, and I am now in need of your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Affirm Holdings, Inc
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a XXXX treadmill utilizing Affirm 's loan services in XX/XX/XXXX. 

XXXX subsequently issued a recall of all of its Tread+ treadmills so I returned my treadmill in XX/XX/XXXX. 

I received a notice on XX/XX/XXXX, that Affirm received a payment from XXXX for the Tread+ return in an amount of {$4600.00}. At that time, I had made {$2900.00} in installment payments toward my Affirm loan. 

On XX/XX/XXXX, Affirm partially refunded via ACH transfer my loan amount in the amount of {$1700.00} ( which reflected $ XXXX payment * 9 months ). At this time, Affirm indicated that it would have to refund the balance of my loan ( of installments amounts already paid ) by check - that additional amount to be paid by check is {$1100.00}. 

Despite persistent attempts to get Affirm to send a check for {$1100.00}, Affirm still has not refunded my funds even though it has been fully paid since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a transfer of {$270.00} scheduled to occur nightly from my Square Balance to my checking account. Square has closed my account without warning despite abiding by all of their payment terms. Further, they are refusing to release my funds as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
Since the XXXX of Friday i set to close my TD bank account, as soon as I setup to close the account.The very next day I started having fees and charges I didn't have. I kept calling to close the bank but they kept hitting me with fees. How am I suppose to close a bank account when they keep giving me fees. They won't close because of the things pending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 funds were garnished out of my bank accounts totaling {$1500.00}. The bank also imposed a {$120.00} legal fee. The funds that were garnished were unemployment funds that I transferred from my checking into my savings account which I have attached. I have also attached supporting documents showing that I was receiving unemployment from XXXX. I also have supporting documents showing I filed an exemption with the clerk of courts. I also never received any prior correspondence from Citizens Bank, N.A., XXXX RBS Citizens, N.A XXXX prior to garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: General Motors Financial Company, Inc.
State: WI
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:
Had an auto loan that was paid off, I turned it in to purchase another car in XXXX and the dealership said the vehicle was repossessed and obviously not because it was with me to use as a down payment for a new vehicle. It stated profit and loss write off and a balance still on. I have called GM financial to fix that. They continue to not repair. I have notified XXXX XXXX and nothing is being done. As I stated, XXXX XXXX bought my car and I used that as a down payment for my XXXX XXXXXXXX. It needs to show that it was NOT a write off or profit and loss. It was paid off by me and purchased by XXXX XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Had an auto loan that was paid off, I turned it in to purchase another car in XXXX and the dealership said the vehicle was repossessed and obviously not because it was with me to use as a down payment for a new vehicle. It stated profit and loss write off and a balance still on. I have called XXXX XXXX to fix that. They continue to not repair. I have notified trans union and nothing is being done. As I stated, XXXX XXXX bought my car and I used that as a down payment for my XXXX XXXX. It needs to show that it was NOT a write off or profit and loss. It was paid off by me and purchased by XXXX XXXX in 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 2022-06-08
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I have sent several letters to the credit bureaus and they have not given me an answer. I've been waiting more than 60 days for a response and they haven't. I have several negative accounts that are affecting me.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have sent several letters to the credit bureaus and they have not given me an answer. I've been waiting more than 60 days for a response and they haven't. I have several negative accounts that are affecting me.

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