BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: OH
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:
I found that XXXX XXXX XXXX is reporting on my credit report without my prior consent or knowledge. My personal information has already been compromised and used without my consent, making me a victim of identity theft. I did my own investigation and discovered that the identity thief has compromised this account. This account also includes information I do not recognize and other information that is to be excluded under the FCRA. I know that using a person 's identifying information without consent is identity theft under Federal Law. Therefore, I want the account and associated information to be permanently deleted from Equifax. I also never gave written consent to XXXX XXXX XXXX to furnish, share, sell, or transfer my personal information. XXXX XXXX XXXX is sharing my nonpublic personal information unlawfully. I am contacting all agencies to report the criminal activity and to have the account information permanently deleted from my credit reports.I have included an law enforcement report and I am exercising my right under Section 605B of the FCRA to block the account information within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: MD
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:
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
( Equifax ) Inquiry by company XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX was unauthorized, and inaccuarte. 

inquiry is being reported without any permisable cause, No credit or loan as been awarded. a violation of sec 1681 FCRA rule

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In accordance with the Federal Credit Reporting Act this creditor, Macys/CBNA has violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 166B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-04-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking my credit report in XX/XX/XXXX I had seen 13+ fraudulent accounts and while it was a very stressful time in my life most creditors let me know that they would do a timely investigation and would walk me through each step, almost XX/XX/XXXX now and the only creditor who refuses to do a accurate Investigation is Chase. The accounts held with chase have absolutely NO MERIT. They revealed that they confirmed it was me with a code that sent to a fraudulent phone number that was not mine! But Chase said they confirmed it was mine?. I am very curious to know how they confirmed this?. This is by far the worst creditor for theifts to open accounts with because the bank never admits fault and makes bogus claims of their investigations. Under federal law with the proper paperwork JP Morgan Chase must erase this account I have supplied, Police reports, Federal trade commission reports and more! I have finally taken the steps to contact the attorney generals office and submit paperwork with them. Chase is saying theyre holding me personally responsible for their negligence, I will NEVER give a dime to these accounts, THEY ARE FRAUD. My police report ( # XXXX ) with the XXXX even states their investigation and it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
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:
In XXXX of this year, I reached out to Mohela via phone call to speak with someone about an error they made to my credit reporting file. I was told that an investigation would need to be done and someone would get back in contact with me in 7-10 days. until this day I have never received a response, therefore I reached back out to Mohela, in the month of XXXX. However, due to high call volume and wait times I wasn't able to reach someone for a follow up response. I have asked Mohela to correct my credit file reporting for the month of XX/XX/2019, to reflect paid as agreed, however, their file continues to state that I was 90 days late for the of XXXX. How? This is the shortest month of any given year. Their error has affected my consumer credit report tremendously. I paid every month consecutively prior to XX/XX/2019, and my credit report states paid as agreed. This error has caused creditors to lower my credit card limit ( XXXX XXXX ). I wasn't late and I'd like for my credit report to indicate paid as agreed and remove the negative 90 days from my credit report and send an update credit report to me and all of the credit bureau ( XXXX, XXXX XXXX, and XXXX ). Mohela, has an obligation by law to report the correct information and this information isn't being displayed correctly on my credit report. I need the month of XX/XX/2019 past due to be removed to reflect their statement " paid as agreed never late ''. 

Respectfully, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Companys have failed to to remove all negative accounts on credit report after receiving official notice and deleting items in 4 days as stated in title 15 usc 1681c-2

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 2023-08-25
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: Public record information inaccurate

Complaint:
EXPERIAN IS IMPROPERLY REPORTING UNVERIFIED PUBLIC RECORDS AGAINST MY CREDIT FILE, AGAINST FCRA AND VIOLATING MY RIGHTS. I HAVE ASKED SEVERAL TIMES THAT THEY CORRECT THIS BY PROVIDING HOW THEY VERIFIED THE PUBLIC RECORD AND THEY HAVE NOT. THE ONLY METHOD TO CORRECTLY VERIFY THE PUBLIC RECORD IS TO OBTAIN THE INFORMATION VIA THE CLERK OF COURTS. TO DATE EXPERIAN HAS IGNORED ALL MY REQUEST TO REMOVE FROM MY CREDIT BURUEA WHICH IS NOT REPORTING IN ANY OTHER BUREUA. I DEMAND EXPERIAN FURNISH THE VALIDATION INFORMATION OR DELETE THIS RECORDS ASAP.

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 2023-11-07
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Klarna AB
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
the lender charges a late fee of XXXX dollars every month as I am making my payments of XXXX dollars on time. They say that i should pay XXXX dollars every month on a balance of XXXX dollars. They minimum amount due is excessive and their practices really against any expectations from the US consumers. This is a XXXX XXXX company tied up with XXXX. I did not expect the latter company to subcontract with non usa based companies as i used them to see a football game in XXXX. XXXX vs XXXX. Foreign lenders need to clearly disclose they are based overseas. The company is called Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: NC
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim involving numerous unauthorized transactions posted to my Capital One bank account ( acct # ending in XXXX ) dating back to XX/XX/2021 in which I became aware of in XXXX of XXXX While filing a complaint I was notified by the banks fraud department both verbally and in writing that I would receive a temporary credit to my account while the bank conducted an investigation into the charges. I waited over 30 days and still heard no word from the bank until I contacted them to find out what was happening. They then informed me that they would not be restoring my account. The explanation given to me was that there were valid transactions occurring during the fraudulent charges. I already tried to explain to the fraud department that the unauthorized charges I was disputing were occurring at the same time as automated payments that occurred without my card in my presence. They also mentioned that account logins happened from valid locations which I am still not responsible for. My card was used without my permission and I had no control over any access anyone may have had with my account. I was recently a victim of a security data breech as well, so that may have been a part of the overall issue of my information being accessed, but this was not a fair assessment to validate the transactions made without my authorization. As a long time consumer with this bank to be dealing with this type of disregarded and treatment is unacceptable. I believe they did not conduct a thorough investigation before deciding not to disperse my funds. No one in the fraud department has agreed to look further into the matter therefore I have filed a complaint through the XXXXXXXX XXXX  Attorney Generals Office for consumer fraud and not abiding to FDIC insurance claim. The complaint number on file with the XXXX XXXX  Attorney General is # XXXX and attached is the decision letter from Capital One bank which Ive included in my complaint file. The dispute numbers on file for the bank are # XXXX # XXXX and # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: NY
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 consumer reporting agencies listed below along with the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : XXXX, Equifax and XXXX 1st : Account Name : XXXX XXXX  XXXX  Account number : XXXX 2nd : Account Name : XXXX XXXX  XXXX Account number : XXXX 3rd : Account Name : XXXX XXXX  Account number : XXXX 4th : Account Name : XXXX XXXX  Account number : XXXX 5th : Account Name : XXXX XXXX XXXX XXXX  Account number : XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my consumer report from all consumer reporting agencies.

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a mortgage for my home. 

Attached are copies of their violation of my rights : Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, my wife assisted her brother with some Wells Fargo transactions. She has Power of Attorney of his affairs. On XX/XX/2023 my wife and myself were notified of our accounts closing. The reason they gave was pure foolishness as Ive had the same account for 3 years with no issues. The problem started today and Wells Fargo retaliated against us due to my wife advocating for her brother. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am very disappointed at this treatment and discrimination.

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX 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 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 in accurate.

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 2023-11-07
Company: EdFinancial Services
State: MA
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:
My ( XXXX ) Parent Plus loans are being serviced by XXXX XXXX. 

They are requiring me to make payments, however, my student is still enrolled full time in college. 

I have received email verification from her university ( XXXX XXXX XXXX  ) on XX/XX/2023 that her student loans are not due until 6 months after her graduation date. 

My student will graduate in XXXX of 2023. 

I have late payments from XXXX XXXX- for a loan I shouldn't be required to pay on. 

I have emailed XXXX XXXX requesting assistance ( via their online platform ) on or around XX/XX/2023. I have received no response. 

I have called numerous times ( last time today ) and not able to connect with a representative - after leaving my number for a call back, have not received a call back. 

I am requesting that my loans show as " not due '' until after the 6 month deferment date, and that late payments are removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Eviction on credit report but actually been dismissed it should not be showing up

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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX  has transferred the account over to XXXX, but still reporting on my credit report.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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, Account 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 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 2023-08-25
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:
Account name : XXXX  /Account number- Username ( XXXX ) Account name : XXXX XXXX  Mastercard/ Account number XXXXHas violated my rights.

15 U.S.C1681 section 602 A. states I have the right to privacy.

15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. 

Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.

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