BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX Account name XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX account ( XXXX XXXX ) Account -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) number XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX collection bureau of a 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 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 2023-07-31
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email that a credit card was opened in my name through Chase bank when I did not open a card for myself. I contacted Chase bank on Sunday XX/XX/23 and they successfully closed the account and are investigating the issue. 
Since the card was opened Ive received close to emails that someone has subscribed me to almost 100 different government magazines/newsletters/etc. all which have been either blocked or reported at spam so far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, 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 have been receiving a hard credit inquiry from XXXX XXXX under XXXX credit card since XX/XX/XXXX. It happens consistently. I have not applied for a credit card with XXXX. I am very careful to make sure I do not click the " apply for credit '' button when I place orders with XXXX. The following dates have hit my credit report and keep knocking my XXXX XXXX down : XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Today, XX/XX/XXXX, my XXXX XXXX dropped from XXXX, which I struggled hard to get to after a bad car accident, down to XXXX. This has to stop! I have contacted XXXX on several occasions via chat because it was the only way to reach them, and again today by phone XX/XX/XXXX. The man on the phone told me " it is not in my knowledge database provided to me how to help so I am sorry that I can't help you. '' I guess there are no supervisors? I have also contacted XXXX XXXX on several occasions, most recently today XX/XX/XXXX and XXXX XXXX told me that they do not handle disputes because all they know is that something came through to them and they have no way of telling if it was fraudulent or not. All they could tell me is it was from an XXXX credit card. 

My credit was compromised in the XXXX  data breach in XXXX, but that still does not explain the XXXX date. It is possible that back in XXXX I did apply for the card accidentally, but I can not locate any record of that in my XXXX account. I also have definitely not applied in this or the last year at all. I want to know who is doing this and why they are able to do it. My credit report has a lock on it, so this really concerns me because it is still happening. I have not even placed an order on XXXX in months. 

In addition to this, I've filed disputes with all the credit report bureaus and nothing ever changes on 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 2017-11-15
Company: CL Holdings LLC
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:
Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now stressed, bothered, and XXXX. I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiry accounts : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX... Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$360.00}

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 2022-04-06
Company: EQUIFAX, INC.
State: MS
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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 an 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 non-monetary relief
Consumer complaint received 2021-05-03
Company: CURO Intermediate Holdings
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:
Payday loan from Speedy Cash showed up on my credit report. I never applied or received a payday loan. Called speedy cash and they said I had to do this or make a police report to dispute it. I also disputed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Unauthorized Funds Transfer into my account of {$1000.00} Unauthorized XXXX transfer out of {$1000.00} Unauthorized Funds Transfer into my account {$300.00} Unauthorized XXXX Transfer out of {$1000.00} Unauthorized Funds Transfer Return {$1000.00} Unauthorized Returned Item Fee : {$5.00} Unauthorized Funds Transfer Return {$300.00} Unauthorized Returned Item Fee : {$5.00} Account was hacked, address and phone number changed. Funds stolen via XXXX. USAA wants to keep MY funds saying I am liable even though i had nothing to do with this and have been a customer of USAA for 13 Years as a XXXX Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
On Tuesday XX/XX/2019, I learned that XXXX experienced a breach of my accounts and that those who breached the account ( s ) have my contact information including the phone number attached to my credit reports and all 'business ' accounts. 

I have filed a Police report and as soon as it is ready to pick up I will be filing with the FTC for Identity Theft. Forthcoming will be complaint against XXXX that I have initiated with NY and MD Attorneys General 's offices. 

In the meantime, I have gone online to XXXX, XXXX, and Experian to request copies of my credit reports and it appears each have changed my address or contact information to something I didn't authorize because I am unable to get copies of any of the reports. When I enter what I have provided to each of them, I get error messages that my reports can not be accessed. 

So then ... here we go again ... not even a year later, and after many, many, many of these complaints against XXXX, XXXX  and Experian they have once again changed my information to some unknown information even after they have been informed over and over and over again! that my address on my credits and phone number exist to protect my identity ... and yet they've changed my information to I don't know what ...

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 2023-11-29
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not consent, nor benefit from, or authorize any of the following account : Midland Credit Management - Account XXXX XXXXXXXX - {$780.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am trying to find out why Chase is holding my funds past the law that is provided by the government on check deposits. They repeatedly tell me they can hold it for 7 business days because they feel like it. It has now been 10 days ( 6 business days ) and still they will not give me access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
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 am writing to file a complaint against USAA Federal Savings bank for their failure to respond to a dispute I sent to them over 30 days ago. I believe they are in clear violation of the law as per 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.which requires them to report my credit utilization accurately. 

On XX/XX/2022, I submitted a dispute to USAA Federal Savings bank regarding inaccurate reporting of my credit utilization. However, I have yet to receive any response from them regarding my dispute. This is in clear violation of the Fair Credit Reporting Act, which requires lenders to investigate disputes and respond to them within 30 days. 

I have attempted to contact USAA Federal Savings bank multiple times, but have not received any response. I am concerned about the impact this inaccurate reporting could have on my credit score, and I believe it is the responsibility of the bank to rectify the situation in a timely manner. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that USAA Federal Savings bank complies with the law. I also request that USAA Federal Savings bank provide me with a timely response to my dispute, and take corrective measures to accurately report my credit utilization. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: IL
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:
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws . I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a victim of cybertheft. as the consumer i sent over conditional acceptance i never received written correspondence as i requested, which is violation under the ( FCRA ).

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 2018-04-24
Company: Southern Auto Finance Co
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with Safco for a XXXX XXXX XXXX. The vehicle was flooded in Hurricane Harvey in XX/XX/XXXX. Safco has reported to the three credit bureaus that the account is still open, past due {$2300.00} over 150 days late. 
In XX/XX/XXXX, Safco received Gap payment of over {$4000.00} and on XX/XX/XXXX I made a payment of {$380.00} which brought the account to a XXXX  balance, paid in full as of XX/XX/XXXX. I had one deferred payment during my loan and gap did not cover that deferment, therefore I made that payment on XX/XX/XXXX to bring the balance to XXXX. 
I checked by credit with XXXX and they stated the account was updated at the end of XX/XX/XXXX and again on XX/XX/XXXX. It was updated incorrectly. the status still shows a balance due and a open account. I have called Safco many times and I have also faxed them documentation which included my " paid in full letter '' which was not received until XX/XX/XXXX, as well as a copy of my credit report from Experian dated today XX/XX/XXXX. My credit report is not correct and I can not qualify for a loan with this incorrect information on my report. My status should be paid in full, XXXX balance, late payments due to gap paid in XX/XX/XXXX, due to natural disaster Hurricane Harvey. It is not my fault that Gap insurance took so long to pay. I need my credit reports corrected to show this was a Gap claim and was paid in full in XX/XX/XXXX and I have a XXXX balance and it was late over 150 days due to Hurricane Harvey.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive submitted this complaint several times CFPB, XXXX & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) XXXX & EXPERIAN with FTC Fraudulent report support my position. It seems XXXX & EXPERIAN is violating FCRA section 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account blocked or removed based on 605b. this is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the account removed/blocked per 605b with the attached documents again. Thank you. 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 explanation
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, 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 found a lot of inaccurate activity on my credit report there are a lot of credit inquires that i did not apply for on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 before I went to the dealership and notice some accounts that were not mine on my credit report and some inquiries.I attached another report of the problems i'm having with my report with the collections accounts. The inquiries are transunion 1.  XX/XX/XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX   XXXX 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/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 explanation