BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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  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 item of adverse item of information, other than records of convictions of crimes wich antedates the report by more than 7 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 2023-03-19
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I started disputing inaccuracies on my credit file with XXXX, XXXX XXXX, and Equifax in XXXX of last year. I have sent them now 3 sets of letters starting XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I still have inaccurate account information, accounts that are not mine, inaccurate inquiries. 

Equifax has only responded to ONE letter, the others continually respond with " more information needed '' or just a new report with the same inaccuracies. This has seriously impacted my credit ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2023-03-18
Company: Maximus Education, LLC dba Aidvantage
State: NC
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 have submitted 3 disputes through XXXX asking them to require documentation from Aid-vantage other than the breakdown of late payments because during the time they are saying the loans were late they were supposed to be in repayment. I have the applications I made from the studentaid.gov website and the breakdown where it shows that the loans were under repayment and forgiveness. XXXX failed to provide documentation and rules that what Aid-vantage is saying is correct although before my loans were transferred to them I did not have any late payments. When I asked XXXX why they didn't provide documentation they stated that it is not their job to investigate they only take a statement from the company that says what I am disputing is correct. They base their investigation on he said she said instead of factual evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: TX
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 disputed on XX/XX/XXXX a late payment that is currently listed on my Experian credit report, They reply was " not able to honor my request ''. I previously disputed this information with the agency back in XX/XX/XXXX, and it was not properly investigated. The information remains on my credit report and continues to negatively impact my credit score. 
The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX. However, it was reported as being 30 days late. I believe this information is inaccurate and unfairly reflects on my creditworthiness. 
The continued listing of this late payment despite previous investigation suggests that Thier procedures have not been adequate in this case. 
I have attached any relevant documentation that supports my claim. Such my bank statement of full payment in time 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 2023-03-18
Company: EQUIFAX, INC.
State: GA
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 Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2023-03-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
looking at the information listed on my credit report I am interested in processing disputes with Equifax to clear all inaccurate information listed on my credit report. please delete the items listed to help clear my file asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
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:
After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryXXXX, Experian, and XXXX, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within XXXX  daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.

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 2023-03-18
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of XXXX I had my debit card stolen when I contacted chase they kept my account overdrawn from the left then resent me a new debit card with the same number on it. I could not use the card. I then talked to someone about canceling my account. I was told I would then be receiving a paper check in the mail. Had to verify my address and everything. It is now XXXX of XXXX. Every month I have received emails that the balance was going down. Every month I called and would have to verify my address all over again. I have now received an email that I have XXXX $ ( was XXXX $ ) in the account that I had closed back in XXXX of XXXX. Today I was told they closed my debit card not my bank account and have been charging me monthly fees to keep it open. I have verified this account was closed every month. They have stolen almost XXXX $ from me and still have not closed the account. I do not live near a chase bank so I am unable to go down to the branch myself. Today I was told they would investigate but it could take a few more weeks. Of which I will be charged AGAIN the monthly fee on my account I closed in XXXX of XXXX. Why close my debit card not my account. They are stealing from me and blamed me for their mistake while refusing to fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 I noticed unauthorized withdrawals from my CHASE checking and savings account in Michigan ( I live in NY ). these occurred on XX/XX/23 & XX/XX/23. When I reported it I asked why I was not notified of unusual withdrawals ( over 10 cash machine withdrawals a day over 2 days at different locations as well as fraudulent XXXX XXXX  purchases ) they claimed a verification was sent by text, i asked what phone # and it was not my #. when i looked the phone # up it was a Michigan # that had since been disconnected. the bank told me that the # had been added to my account days prior to the theft. 
CHASE bank has " tentatively '' ( pending investigation ) returned my checking money ( {$1000.00} ) but has Denied the money taken from my savings account ( {$2100.00} ). 
my wife and I rarely ever use a cash machine and never use our debit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have requested several times from this company verification that I owe this debt and they have failed to provide it. They continue to call me and they continue to file it every month as a new debt damaging my credit. They claim this is a debt from a rental property where the lease was terminated by the rental company and they were paid in full prior to me moving out. I advised the collections company of this and they refused to request documents from the rental company to verify no debt is owed and failed to provide me proof of debt.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: CT
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:
To whom it may concern : I received a copy of my credit report with the intention of trying to take care of my responsibilities and noticed an account that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am saying that I am not 100 % sure if they are. I read in the FCRA that it said by law, I had the right to challenge anything I am not sure is accurate. 

According to 15 USC sec 1781i ( a ) : if you can't provide proof, the account must be deleted. I want to have the account deleted if it's not 100 % accurate. Could you check on this and get back to me? I saw on a credit site and board, the lawyer said you have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing or not correct on it. 

XXXX XXXX XXXX. # XXXX This account has been verified, however, the original creditor said that they don't have this information, so how are you truly verifying this account? I will have to pursue legal counsel if this is the case. 

Also, please let me know who had access to my file as well.

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: 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: Account status incorrect

Complaint:
I made multiple requests pointing out the inaccuracy and for the information to be deleted they continue to state its verified and although it was not verified as their are errors that I have been attempting to fix for 1 year reporting late and charge off and they continue to report on a monthly basis its charged off and late.

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 2024-01-17
Company: CITIBANK, N.A.
State: PA
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:
XXXX investigated this charge and found in my favor back in XXXX and now its appearing on other credit reports

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 2023-11-04
Company: American Finance LLC
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Obtaining Information Under False Pretenses states any person knowingly and willfully obtains on a consumer from a consumer reporting agency under false pretenses shall be fined under the title 18, Imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: CITIBANK, N.A.
State: FL
Product: Credit 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:
was charged a deposit for {$15000.00} to make sure I have enough money to bid on my card for a charity auction legend on the same day and an hour later I bid on something they charged me {$5600.00} I disputed this charge Citibank gave me a provisional credit and they took the credit back on XX/XX/XXXX I wrote them a letter gave explanation after I did that four different times they responded on XX/XX/XXXX and told me theyll give me the credit back on XX/XX/XXXX and this investigational will be completed its been almost 3 months I dont know what the law states but theyre taking too long to investigate this I want my money back I want the credit this is ridiculous this was just a deposit

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
Consumer complaint received 2023-11-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had XXXX deposited in my accounts on XXXX and as of XXXXXXXX XXXX  on XXXX money was there and XXXX XXXX  it was gone and someone at BMO took the money. They have been giving me all kinds of run around and excuses today of what ever and it seen a manage is never avabile. I want to file felony charges on BMO but am willing to see if you can help with the matter.

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 2023-03-18
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

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 : USDOEXXXX 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 XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Whereas TU is XXXX, XXXX is Experian, XXXX is XXXX 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) 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 ) states a person shall not furnish any information relating to a 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 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

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 : USDOE/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whereas TU is TransUnion, XXXX is XXXX, XXXX is XXXX 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) 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 ) states a person shall not furnish any information relating to a 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