BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2022. I received a copy of my credit report and Found Several Fraud accounts, addresses, inquiries, and public records in my name. I was in XXXX During the time these items were added fraudulently to my credit report. I have never Filed Bankruptcy, lived at the addresses on my report or inquired of specific items. I asked XXXX, EQIFAX, AND XXXX to investigate and to mail me the results for the items in question. I contacted all sourced reporting the Fraud information. Each company advised me to dispute with the credit bureaus. I was told by an XXXX Specialist to file the fraud accounts with FTC.gov I did and reached out to the courthouse I was told reported the Public record inaccurately. Then another investigation was done and it was reported by XXXX XXXX once I received a letter the courthouse does not report public records. The credit bureaus are violating the FCRA and not reporting correctly on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Claim for interrupted travel sent in and rejected. Resubmitted claim with appeals letter and additional documentation 4 additional times with the case number and appeal noted in the subject line. I received a confirmation email after each one. No one has ever contacted me so I called again and waited for 2 hrs on hold. Documentation was not received per the associate I spoke to. Was told two different emails to send info to. Sent information to both emails and they are not received again. I am getting no where with Chase Benefits and this has been going on since XXXX. Not sure where to go next. Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: NV
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXXXXXX XXXX Account # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-09-27
Company: FULTON FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fulton Bank reported me XXXX days late in XXXX of 2022, when in fact I was not late. I made a cash payment directly at the bank and in the past my payments were posted immediately to my 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 2022-12-09
Company: Jon Barry and Associates, 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:
I received an alert around XX/XX/XXXX, XXXX there was a collection on my XXXX report that does not belong to me. I submitted a dispute online. XXXX wrote be back and said they verified the items belongs to me. I have also written the Paragon company as well and asked them to delete this information because i have never had any account with this company. XXXX continue stop report in accurate false information on my credit file and i want hen to delete this information immediately and stop playing with my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX : {$5300.00}

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 explanation
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: MI
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:
When Covid19 Started the company that I worked for had shut down for a few months and my girlfriend and I also both ended up with XXXX. After being off work for a couple months I called the mortgage company ( XXXX XXXX at the time ) and asked if there was anything I could do because I was going to fall behind. They informed me of a government sponsored assistance program and I could skip three months payments and they would be added to the back end of my loan with no effect to my credit. They then began reporting my payments late immediately and then, sold my loan to XXXX XXXX company. XXXX found the error, reached out to me and corrected the issue. They never did however pass the forbearance info onto the new lender. XXXX then offered another forbearance program, made a signed agreement with me and then, proceeded to report every mortgage payment since then late. I have made many calls, sent letters, begged for calls back .... nothing. no response at all other than to leave me messages multiple times that everything was reported accurate and on time. Clearly with zero investigation. When I speak to the account reps on the phone. They tell me they can see I have made every payment as agreed and on time. However, my credit reports have been reporting me as 180 days late and in foreclosure for months. I signed a new agreement with them six months ago and they still haven't updated their system which continues to send me foreclosure letters and robo dialer calls. My payment amount has changed and each month I make a payment I have to explain to the representative how to find my correct amount. I have made every payment on time, I am not in foreclosure, I have not been late and the reps tell me the screen shows on time the entire time I have been with them. This is humiliating, It has destroyed my credit, I cant even get a loan for a car, I have no car. They could care less about my concern, wont correct it, wont call me back, wont look into it. They need to correct this now! I am owed an apology and compensation for what they put me through for over a year and absolutely destroying my credit, personal, life, and ability to work and get to work. They need to correct my credit file, apologize, and waive the balance of my mortgage for what they have done to me. ALL MY PAYMENTS WERE PAID AS AGREED!!! This is fraud!! Please help me clear this up so I can get back to what my life wad before XXXX ruined it. 

XXXX Still wont communicate with the new lender and inform them of the previous agreement recently was told XXXX is about to sell my loan again so, The next company probably wont know what going on either My information in the computer system needs to be updated ... .ITS BEEN SIX MONTHS. 

ITS BEEN A YEAR THEYVE BOTH BEEN DESTROYING MY LIFE AND CREDIT. THIS IS FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NC
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:
n 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: GSF MORTGAGE CORP
State: MI
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:
When Covid19 Started the company that I worked for had shut down for a few months and my girlfriend and I also both ended up with XXXX. After being off work for a couple months I called the mortgage company ( GSF Mortgage at the time ) and asked if there was anything I could do because I was going to fall behind. They informed me of a government sponsored assistance program and I could skip three months payments and they would be added to the back end of my loan with no effect to my credit. They then began reporting my payments late immediately and then, sold my loan to XXXX XXXX company. GSF found the error, reached out to me and corrected the issue. They never did however pass the forbearance info onto the new lender. XXXX then offered another forbearance program, made a signed agreement with me and then, proceeded to report every mortgage payment since then late. I have made many calls, sent letters, begged for calls back .... nothing. no response at all other than to leave me messages multiple times that everything was reported accurate and on time. Clearly with zero investigation. When I speak to the account reps on the phone. They tell me they can see I have made every payment as agreed and on time. However, my credit reports have been reporting me as 180 days late and in foreclosure for months. I signed a new agreement with them six months ago and they still haven't updated their system which continues to send me foreclosure letters and robo dialer calls. My payment amount has changed and each month I make a payment I have to explain to the representative how to find my correct amount. I have made every payment on time, I am not in foreclosure, I have not been late and the reps tell me the screen shows on time the entire time I have been with them. This is humiliating, It has destroyed my credit, I cant even get a loan for a car, I have no car. They could care less about my concern, wont correct it, wont call me back, wont look into it. They need to correct this now! I am owed an apology and compensation for what they put me through for over a year and absolutely destroying my credit, personal, life, and ability to work and get to work. They need to correct my credit file, apologize, and waive the balance of my mortgage for what they have done to me. ALL MY PAYMENTS WERE PAID AS AGREED!!! This is fraud!! Please help me clear this up so I can get back to what my life wad before XXXX ruined it. 

GSF Still wont communicate with the new lender and inform them of the previous agreement recently was told XXXX is about to sell my loan again so, The next company probably wont know what going on either My information in the computer system needs to be updated ... .ITS BEEN SIX MONTHS. 

ITS BEEN A YEAR THEYVE BOTH BEEN DESTROYING MY LIFE AND CREDIT. THIS IS FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TexCap Financial, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account opened with TexCap Financial , LLC on XXXX XXXX XXXX, and credit loan never applied to my report. Called them in XX/XX/XXXX, they assured me at the end of XX/XX/XXXX it would be sent to major credit bureaus. We are now at the end of XX/XX/XXXX and still nothing reported. Called XX/XX/XXXX and they said it was reported at the end of XXXX, which it is not. Please help resolve this issue. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Global Lending Services LLC
State: OH
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 this creditor has violated my rights under 15 usc 1681 602 states I have the right to privacy 15 usc 1681 604a 2 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 ended consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX Account # # # # # # # XXXX, and XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX : 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 2022-09-27
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 suffered an Equifax data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached.

Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written consent. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

UNDER 15 U.S.C. 1681c-2 ( c ) ( 2 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
I purchased a XXXX XXXX XXXX on XXXX on XX/XX/2022 using a loan from XXXX. The bag arrived with staining and a strong smoke order that wasnt disclosed at the time of the sale and was missing the crossbody strap. I contacted XXXX about being refunded they said for me to file a claim with XXXX but when I contacted XXXX  they said that XXXX would have to file the claim as they didnt send a bag to me with staining, smoke odor and missing strap. They eventually agreed to refund me after I posted on their social media pages several times as long as I sent the bag back to them. I sent back the XXXX XXXX bag and the XXXX tracking number is XXXX. XXXX said a pink bag was in the box and included a blank picture attachment to the email and mailed me back a pink purse denying my refund. I did not send them a pink purse so I sent it back to them ( tracking # XXXX ) because that is not what I sent to them and they never sent anything back. XXXX ruled in the merchant favor. The merchant kept the XXXX XXXX XXXX I sent them and is making me responsible for paying for merchandise that I no longer have. I contacted XXXX asking for copies of documentation provided from the merchant in regards to the dispute and they refuse to explain to me how the dispute was closed in the merchant favor being I shipped the item back to them and then refusing to process a refund. Now Im stuck with a loan that I dont even have the merchandise for.

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 2022-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I made a transfer from XXXX Bank to Bank of America, the payment amount was {$1200.00}. in XXXX and XXXX there were requests from Bofa clarifying the meaning of the transfer ( payment for the delivery of goods ). There were no further requests. In XXXX, a clarifying message was sent via XXXX about the status of the payment, but there was no answer. Later they sent a request for a refund, again they did not react in any way and there was no answer. The funds have not yet been delivered to the recipient or have not been returned to me. 
For all attempts to personally apply to BOFA, I received an answer that they were not entitled to communicate with me and that only through requests from the sender 's bank. At the moment, it turns out that BOFA has been illegally withholding my funds for 3 months, which can already be regarded as theft XXXX XXXX was the correspondent 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 monetary relief