BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
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:
I've recently mailed out a dispute letter to Equifax regarding accounts on my consumer report that isn't mine and doesn't have authorization to be reporting. They responded that these accounts were verified but never did they provide me any documents that give these accounts consent to report. I am aware that I have a right to privacy and with these accounts reporting without my permission is a violation on Equifax behalf for not actually providing verification for these accounts. I asked you to investigate them and you can't provide to me any documentation with my signature. I understand that it is your duty to assure that any information reporting to my consumer report should be accurate and verifiable in which you failed to provide to me any documents. I demand that any accounts or information listed in my dispute letter be removed from may consumer report immediately or Equifax will be held liable for any damages. How can I owe a debt if these was never a mutual agreement? Where's my authorization for these creditors to purchase my personal information and share it with anyone?

Violations committed : Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid {$75.00} to XXXX XXXX XXXX on XX/XX/2022. This was the whole amount and I paid out of pocket. Harris and Harris debt collection have been calling me for over 8 months now saying that I owe them {$120.00} for this unpaid debt. I have contacted them and they have no information on anything. I also called XXXX XXXX  and they said I do not have any outstanding balances and I am paid everything on the day of the XXXX. They are harassing me by calling me multiple times every single day and i have told them to take me off of their call list but they keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, 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:
I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, there were unauthorized XXXX transactions and a {$10000.00} wire transfer of money out of my wife and my Capital One accounts as well as internal transfers of money between our XXXX ( XXXX ) accounts. I called Captial One to report the fraud/unauthorized XXXX transactions and wire transfer. Captial One Bank provided me with a claim # XXXX for unauthorized wire transfer, and claim # XXXX & # XXXX for the XXXX ( XXXX ) unauthorized XXXX transactions taken from our account endingXXXX. Capital One Bank locked our accounts. Capital One assured me that they would do an investigation. The XXXX ( XXXX ) unauthorized XXXX transactions were unusual since I did not use Captial One Bank to transfer monies out of my account using XXXX. My wife and I did not add this criminal or his/her cell number or email address to our list of XXXX Recipients XXXX In the years that we have had these XXXX Capital One accounts, we have never wired money to anyone. There is no history of wire transfers out of our Capital One Bank accounts. It would be easy for Capital One Bank to flag such unusual activity on our accounts. Yet, Capital One Bank instead of safe guarding our money, permitted this fraudulent activity to take place. Even when provided with an XXXX Police report, Capital One has chosen to protect themselves rather than protect my wife and I. This was a crime and Captial One Bank has refused to restore the money that was stolen. I filed an police report with XXXX and a Identity Theft Report with the Federal Trade Commission. The following unusual activity and fraudulent transactions were never authorized : XXXX XXXX XXXX XXXX XXXX {$200.00} XXXXWithdrawal to Savings Now {$1000.00} XXXX to XXXX XXXX {$400.00} XXXXWire Convenience Charge {$30.00} XX/XX/XXXX - Wire {$10000.00} XXXX Deposit from Savings Now {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: VA
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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX 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 2022-08-15
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt. They cant prove that the account belongs to me. Im victims of a scam due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018, I applied online for a TD Cash Visa credit card through an offer promising a bonus of XXXX points ( worth {$200.00} ) for spending {$500.00} within 90 days. My application was approved and I was issued a TD Cash Visa credit card. I made more than the required {$500.00} in purchases on the card within the first 90 days, and while I did receive a bonus, it was only XXXX points ( worth {$150.00} ) rather than the XXXX points ( worth {$200.00} ) specified in the bonus offer. I mailed TD Bank a letter about this on XX/XX/2018, but received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested Equifax to remove accounts that were close and reporting open and other inaccuracies on my report and to provide the source of the information reporting and the have not given a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMMONWEALTH OF VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX I attempted to get XXXX service at my local XXXX XXXX. They were unable to complete the transaction and asked if I can come back the next day. I came back the next day and they were still unable to complete the transfer. At that time I told them to cancel the entire transaction and continued with my cell phone provider without changing service. A few months later I received a bill from XXXX with no explanation about what it was for. Since I never received service from them I did not pay it. I have been working with XXXX and the various collection agency 's that have contacted me. They still have this collection against me even though they provided no service.

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 2023-10-26
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/23, I called Mohela in order to prepare for my first payment on XX/XX/23. I called after receiving emails XXXX I would possibly have to manually pay a portion of my loans. The total amount due for XX/XX/23 was {$700.00}. It was not made apparent through emails what amount I needed to pay manually so I called on XX/XX/23. I spoke to a representative to confirm what amount will be auto debited and was told XXXX {$620.00} would be auto debited as scheduled on XX/XX/23 and I have to manually pay {$75.00} in order to make up the difference of the final due amount of {$700.00}. 

As of XX/XX/23, I have an overdue balance of {$620.00} which is accumulating interest daily. I would like to submit a complaint and have any additional interest or future damages to my credit reversed as I was assured XXXX the total amount would be confirmed to be paid marked on XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: MD
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:
I am writing to request the immediate removal of the fraudulent account ( XXXX XXXX XXXXXXXX ) from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

This account was opened without my consent and is negatively impacting my credit. Please investigate and remove it promptly, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

Additionally, I have attached my FTC fraud report to this message.

Provide written confirmation of removal, as stipulated by FCRA Section 611 ( a ) ( 2 ).

I appreciate your prompt attention to this 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 2023-05-06
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Got a faulty dryer twice from XXXX XXXX. We wanted to return it and get a refund ( 2 days into owning it ) and they were very difficult to work with. After 3 weeks of communication, we had no progress. We opened a dispute with discover, and they ruled in favor of XXXX XXXX because they said they havent received the product back. I can not easily transport a dryer, so I called them to try to schedule a return and they refused. I dont know how its fair for them to win the dispute with the logic that they havent had the product returned, but then refuse to have it returned whenever we try to. We are more than willing to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: JPMORGAN CHASE & CO.
State: SC
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 recently pulled by credit report and noticed credit inquires that i do not recognize, unauthorized and did not consent to. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX XXXX, XXXX XXXX XXXX, JPMCB Card and XXXX XXXX are NOT mine, i do not recognize and did not authorize! these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. This has caused me much stress and anxiety and has had a very negative impact on my life. I will be taking legal action on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: IL
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:
As of today, I have sent over six disputes to all three bureaus. I have not been verified of the initial results. I continue to receive template letters. Section 609 a ( 1 ) A of the FCRA states that. Bureaus are required by federal law to verify. through the physical verification of the original consumer contract. I requested that unverified accounts be removed immediately and there has been no results provided.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Accounts : 1. XXXX XXXX- REPORTING 4 MISSED PAYMENTS 2. XXXX XXXX XXXX XXXX-REPORTING 1 MISSED PAYMENT 15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC code 1681a states Defintions ; rules of construction - Exclusions. -- Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B states - A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
THE FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-13
Company: MIDFIRST BANK
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I recently applied online for a joint Savings account with Vio Bank, a subsidiary of MidFirst Bank, and I received an onscreen message saying that my application could not be completed, and to call them. I contacted them in the hopes that they needed additional information which I could provide, but they instead told me that my application was denied. I asked why it was denied, and they pointedly told me they would not disclose the reasoning, but that I was welcome to apply again. They further indicated that information they received from a reporting service is what their decision is based on. But, they would NOT tell me what information they received and what agency provided said information. Further, they stated that I would not receive any adverse action notice or any clarifying information from them, as I requested. I even spoke with a Bank Manager who adamantly stuck to the same line of explanation. 

I am uncertain as to the seemingly negative information that this bank has about me, and they are not giving me a chance to take steps to fix it, especially since I am unaware of its overall implications. I have successfully opened bank accounts in the past without any problems. I need to be able to know what adverse/negative information they accessed, where it came from, and how I can correct such. Vio Bank is unresponsive to my request for any information pertaining to my application and their subsequent decision to deny the application.

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 2023-05-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed my account that I opened XX/XX/2021 with a credit line of {$1800.00}. I had a promotional term of 4 years to pay off my balance and they closed my account with a balance of {$190.00}. No explanation and when I called the company they kept transferring me and hanging up on me. Now I call and no one even picks up the phone. 

This is the second account they close on me without explanation, I had had my other account for 4 years without an issue. 

They did the same to my wife with her account as soon as she paid it off a few years back This is a pattern with this bank and they do not seem to care that this very negatively impacts the credit score of people. 

I am in the middle of purchasing a house, this has tanked my score and now my purchase is jeopardized.

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 2022-10-13
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. This is so unbelievable! How can you guys let these multiple complaints pass? I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. I have contacted the furnishers and they agreed to delete the accounts from my file. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. You have not provided me any proofs! Come on! THIS IS NOT ROCKET SCIENCE! 

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