BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: TX
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. 

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 XXXXXXXX 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 2018-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The phone number being called on the weekends is a business phone. The company is attempting to contact people who do not work at this business. I have requested that the company stop calling twice already in the past week but they persist. The company is Portfolio Recovery and the # is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: D.S. Erickson & Associates, PLLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The statute of limitations for Wisconsin is 6 years. This debt was from 2012 and was closed and taken off my credit report. Recently received court papers stating wage garnishment. Was not even notified by certified mail of a judgement against me. Nevertheless, the statute of limitations has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
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: 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. 

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 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX. XX/XX/2023 XXXX. I received XXXX phone calls from Chase Bank XXXX XXXX ) and picked up the XXXX call. 
XXXX. A Chase representative told me that they were calling to verify a charge that was currently being made at a XXXX with my debit card ending in XXXX. I was working at home at the time of the call and confirmed that the debit card was still in my possession. I told the rep that the charge was not authorized. The rep said that to cancel and reissue my debit card, I had to provide my pin number to verify and confirm. I proceeded with providing my pin number. The rep confirmed that my card ending in XXXX is cancelled and that my new debit card would be expedited in the next XXXX business days. 
2. XX/XX/2023 XXXX. I woke up at XXXX and checked my checking account. I saw XXXX ATM withdrawals on XX/XX/2023. Each withdrawal was {$100.00}, totaling to {$2100.00}. I did not make any of these ATM withdrawals. 
XXXX. I called Chase immediately at XXXX to file a claim. The following transpired : XXXX. Chase told me that the ATM withdrawals were made via a digital wallet. I confirmed that I have never put my debit card information in my XXXX XXXX. I also confirmed that the only time I provided my debit card pin was to the Chase representative on XX/XX/2023 in order to cancel and reissue my debit card. 
XXXX. Chase told me that my debit card ending in XXXX was still active and there is no record of a new debit card being reissued. I requested again for my debit card be cancelled and reissued. 
XXXX. Chase Fraud Protection provided more detail, saying that my debit card information was compromised and was loaded onto someones digital wallet for use. 
XXXX. Chase told me that this information was documented on their end and I would receive the results of my claim in XXXX calendar days. 
XXXX. XX/XX/2023 XXXX. I received an update of information about my claim from Chase. No adjustment will be made to my account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: LA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX  XXXX XXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance {$970.00} XXXX XXXX XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
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:
According to the provisions of the Fair Credit Reporting Act '611 ( a ) ( 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 


1.Identify theft : Account XXXX XXXX XXXXXXXX Account number : XXXX XXXX.Identify theft : Acount XXXX XXXX XXXX  Account number : XXXX Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-03-16
Company: EQUIFAX, INC.
State: MD
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:
There are inquires on my credit report that I did not authorize. I verbally gave my credit score to the dealership representative, explicitly stating that I did not want their company to do any credit check but inform me, based on my score given VERBALLY, if there is any chance that I may qualify due to the fact I was only weighing out my available options towards purchasing a vehicle if so decided. Also, there was no signature involved granting permission to access my credit report to any car loan lender. I wrote a letter to each credit bureau indicating this issue and nothing has been done as yet. Below are the attached documents sent to each individual bureaus indicating the specific hard inquires on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and I noticed some things that were wrong and other things that are not mine. My only name is XXXX XXXX, my only ADDRESS is XXXX XXXX XXXX XXXX, TN XXXX, I have never worked at SOCIAL SECURITY ADMINISTR CHILD SUPPORT. I see XXXX collections that are not mine and need to be deleted from my credit report. 
XXXX XXXX XXXX account # XXXX and XXXXXXXX XXXX XXXX account # XXXX. also these inquiries are not mine : XXXX XXXX and XXXX. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: HCFS Healthcare Financial Services of TeamHealth
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 fair credit reporting act convergent account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: AZ
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 my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-07
Company: EQUIFAX, INC.
State: VA
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have tried to get a payment deferment for almost half a year with no success. Honda Financial has now applied more late fees even thou I have requested a deferment again. When I had a balance they did not honor my request, so I paid the balance then the denied a deferment because I paid. This process is very difficult to understand and the company has done nothing to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: AR
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: MD
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 appreciate you taking the time to CORRECT the information in my credit file ; however, there is still account that needs to be UPDATED. The 3 credit Bureaus require to validate the listed account. I hope this disputed account is updated. 
XXXX XXXX Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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:
XXXX and Equifax = Recently had a breach and personal information was leaked out by inside employees. I would like my Credit information of any and all Collections and Charges offs and late payments removed due to the Credit laws and Federal Guidelines. These Credit Reporting agencies have put my personal credit in danger by denying lines of credit along with my business lines of credit in danger. 

XXXX My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent Still has more than XXXX address listed when I requested the others are wrong and should be removed, I have sent them my SSN card and Driver 's lic as requested. 
2. Two fraudulent collections are currently on my credit report. I would like signed proof from both accounts with my signature giving the right to enter private wrongful information concerning me without my written permission. a. XXXX XXXX XXXX ACCT # XXXX is the first four numbers condition : closed. XXXX XXXX XXXX XXXX ACCT # XXXX. I have several listed accounts that are also closed and I requested per federal reporting laws should not be listed because they too have no written approval from me. XXXX XXXX  Acct XXXX - XXXX XXXXXXXX Acct # XXXX - XXXX XXXX  Acct # XXXX - XXXX XXXX XXXX Acct # XXXX  is providing personal information that I did not give them written permission along with proof I was late. 

Equifax My one and only correct address is XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Federal laws and guidelines have 30 days to remove. 
Still has more than one address listed when I requested the others are wrong and should be removed, I have sent them my SSN card and Driver 's lic as requested. 
XXXX XXXX XXXX Acct # XXXX is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXX  Acct # XXXX XXXX : My current employer is listed wrong still- has my wrong address XXXX XXXX XXXX XXXX, XXXX XXXX - My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Within 30 days should be removed. I have sent them my SSN card and Driver 's lic as requested. XXXX XXXX XXXX Acct # 2000 is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXXXXXX Acct # XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
XXXX XXXX. It is a car loan finance company,, I had a lemon car in XXXX which had power steering fluid issues after purchasing the vehicle. I never knew this until the XXXX XXXX started to give me problems. Then I went back to the dealership XXXX XXXX XXXX XXXX That car was traded off for a XXXX XXXX XXXX which included high interest rates and also a fradulent credit application. The application was lied on which made my car notes extremely high.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX Notice some unauthorized inquiries appearing on my credit reports I have listed the inquiries below and some supporting documentation. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX Credit XXXX Bank Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date Of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$0.00} DEPT OF EDXXXX  XXXX Balance : - ( XXXX XXXX ) DEPT OF EDXXXX XXXXXXXX Balance : - ( XXXX XXXX ) DEPT OF ED/XXXX XXXX Balance : - ( XXXX XXXX ) DEPT OF ED/XXXX XXXXXXXX Balance : -

Company response to consumer: Closed with explanation