BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: AZ
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
I used my capital one credit card at a gas station in XXXX. The gas station is a full service station, I handed my credit card to the attendant. He told me it was declined. I then used my XXXX XXXX debit card to pay for {$23.00} USD. Later that day, my Capital One credit card was charged {$3100.00} ( XXXX pesos ) or {$150.00} ( USD ). The card was ran without my permission and signed by someone with a different name and signature. It was fraudulently used and signed. Capital one will not reimburse me or change the charge on my account despite many attempts and hours of phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Waypoint Resource Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Waypoint Resource Group is began reporting this non-validated debt on my XXXX XXXX  and XXXX credit file WITHOUT sending me a dunning notice. I sent a letter to Waypoint Resource Group requesting for validation of a debt they claim I owe of {$540.00}, according to the provisions of the FDCPA. Waypoint Resource Group sent a reply of a billing statement attempting to collect a debt. Waypoint Resource Group has violated the provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to XXXX XXXX and XXXX. The [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Waypoint Resource Group has NOT provided me adequate documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
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:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX 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 non-monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions 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:
I've have several things on my credit report that's not mine. Help me get them off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: CarMax, Inc.
State: AL
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 inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Early Warning Services, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened a XXXX account in XX/XX/XXXX or XX/XX/XXXX. I used it on a number of occasions with my current cell number. Never had any issues. A friend was buying one of my designer purses & I told her to just XXXX me the money when she got paid which was this past Fri. ( XX/XX/XXXX ). By Saturday ( XX/XX/XXXX ) I still hadnt received the payment but it said it processed on her end! I called my bank & they couldnt help stating that my XXXX /bank acct wasnt the issue but my mobile # was inactive. We thought it could be because I received a new debit card & XXXX didnt have it! I tried loggin into my XXXX acct the same day with no luck! I then called XXXX on the XX/XX/XXXX & explained I had a new debit card, couldnt access my XXXX acct & my money my friend sent the day before is missing! The gentleman typed in my number only to find out its registred to a XXXX XXXX  account! Which Ive never even had a XXXX XXXX  acct. I than called XXXX XXXX hoping they could help me & all they did was take down my info & told me my friend who sent the funds had to call her bank account! Which she did ( same day XX/XX/XXXX ) & they contacted her today ( XX/XX/XXXX ) & told her they dont know if they can give her back the funds as theyve been pulled! I called XXXX back today myself & told them this has been my cell number for over 13 years & the changes to my XXXX account & connecting them to this so called XXXX XXXX acct are all fraudulent! I told them Id give them my cell phone bill info as well as my bill & probe the owner to this account never had such a bank acct & to please close this person down as what there doing is illegal! They refuse to help! Im lost as I do not work & I believe this is being done by an exfriend who has done other malicious things to me out of spite & jealousy! Is there anyway to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

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 2022-12-01
Company: Checkr, Inc
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The background check company Checkr is reporting ( background checks done in XXXX and XXXX of 2022 ) something that I was accused of doing, but was not charged with and had the claim dismissed, as something I was charged with. This accusation is showing up in red and I have been denied employment due to this. 
Essentially, I am being treated as if I was convicted of a crime I did not commit. 

I have emailed Checkr and gotten no response. I have also tried to call but have been unable to get past the automated system in order to speak to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 DEPT OF ED XX/XX/2023 DEPT OF ED XX/XX/2023

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 2022-06-03
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: Account information incorrect

Complaint:
There are three collections accounts on my credit report from one hospital visit during XXXX. The hospital billed the wrong insurance company. By the time I found out, they had reported it to collections. THe hospital refusing to bill the correct insurance which was XXXX XXXX XXXX, I had to beg to get an actual superbill from three different places for one ER visit - one from the ER, one from the XXXX, and a XXXXXXXX XXXX. 
XXXX XXXX is taking care of this or has taken care of it, finally. XXXX and XXXX have already removed this from my report, Equifax is refusing to remove it. I have tried multiple times to send them a letter from the debt collector, XXXX, who actually put it on my report to start with. I have attached the letter from XXXX, in it they are requesting the items be removed from my report. I have been trying to get this resolved for months, probably more like a year. I have spent my entire afternoon off of work trying to get this resolved and have been on hold and on the phone with equifax for XXXX hours. I have been put on hold three times and then put thru the queue again. Their system is very cumbersome to actually speak to a person. It takes at least XXXX min to get thru the prompts to actually get an agent. They are in violation of the FCRA because the information on my report they are reporting is completely inaccurate. They maintain they have 30 days to investigate, there is nothing to investigate, I have the proof right here. XXXX also sent them notification on XX/XX/XXXX to remove the items. They still have not complied. I am not sure what else there is to do but get an attorney and sue them. I am already needing to refinance my car purchased a few months ago because of this. I am tired of begging and pleading with them, and I am tired of being nice. I am a XXXX XXXX XXXX and I see XXXX XXXX XXXX XXXX all day long. I don't have time to be spending XXXX hours on the phone with equifax for nonsense. There are already not enough XXXX XXXX XXXX  to go around and this is completely uncalled for. The way I have been treated here is the same way criminals are treated when they are just out of prison. 
Please see attached fax, which i have tried faxing a number of times and uploading to the equifax website to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I contacted Wells Fargo to request to request my Loan Agreements, Correspondence relating to loan modifications, correspondence relating to denial of loan modifications and foreclosure petition. 
The gentleman who answered phone advised me he has it but is not allowed to give me such information. He advised me my representative will call me back to give me information. I have called XXXX and 2 other employess and left countless number of messages and none will return my phone call. The original was almost taunting me by advising me he has the information but can not give it to me.

From my understanding I am entitled to these documents as they are negatively being used against me and has caused me great financial hardship. Wells Fargo continues to circumvent the law and disenfranchise American Citizens due to their greed and unethical behavior. I am requesting and will forward my case file to Senator XXXX and Senator XXXX review my EEOC case file to encourage Wells Fargo to submit my paperwork. This is very frustrating having to continue and battle with such a large organization that continues to manipulate its customers and the United States Government with its unethical behavior. 

XXXX XXXX XXXX XXXX XXXX. 
Washington DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC 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 2023-10-25
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
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 tendered a full payment to this company on XX/XX/. The tracking number for this payment is XXXX XXXX XXXX XXXX XXXX. They have not updated this account or responded to me to acknowledge that they have my payment even though the package was received and signed for. I am ask

ing for two things. 1. Verify that account exists and a debt is owed. 2. Verify that payment was received.

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 2023-06-21
Company: PRANCER CAPITAL CORP
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: Account information incorrect

Complaint:
I sent a letter to Prancer Capital Corp dated XXXX XXXX stating that I wanted to use my right as a consumer to NOT have my account with them reported. I outlined in the letter that 15usc 1681A2at states that Transactions and Experiences are EXCLUDED from a Persons consumer report. I also stated the under Truth and Lending Act 15 usc 1602g and the FTC Gramm-Leach-Bailey Act all grounds for Prancer NOT to report my Account nor my Transactions Experiences ( payment history ) with them. I am NOT saying that I don't owe the debt, I have every intention to continue to make my monthly payments. Prancer sent a letter back stating that they are reporting my account correctly and that there will be NO changes. I DO NOT want this Account reporting on my consumer reports! I have attached that letters that I sent to Prancer. I sent another letter dated XX/XX/2023 via certified mail # XXXX. I have attached all letters to prancer and the letter they sent to me and a copy of my ID to prove that I am who I say I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Made a purchase on XX/XX/XXXX. Had not received purchased item when the 60 day dispute time ( from time the charge appeared on statement ) came to an end XX/XX/XXXX so I disputed the charge. American Express took the merchant 's word that everything was on track and recharged the purchase. Still had not received the item as of XXXX/XXXX/XXXX so called to dispute again. Received email from merchant on XXXX/XXXX/XXXX stating a credit had been issued. No credit received and American Express still waiting for merchant response ( until XX/XX/XXXX? ). It has been more than 6 months - item not received and can not get XXXX XXXX to issue credit/refund despite time elapsed and documentation from merchant that credit was to be issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: GA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: JPMORGAN CHASE & CO.
State: WA
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:
In XX/XX/2022 I made an XXXX purchase which I thought was on my XXXX card, but went to my Chase XXXX card instead. This would have been no big deal except that Chase had decided at random to change my address and so sent me no statements nor emails saying the bill was due or past due. In XXXXXXXX XXXX XXXX  sent me an email saying I had missed a payment on JPMBC, once alerted to this I managed to track down and determine what was going on, Chase admitted they had changed my address and had gotten this new fake address from the post office. After hours on the phone their customer service person agreed to waive all fees and I agreed to pay the original amount that it shouldve been in XXXX of XXXX. They then transferred me to a card supervisor XXXX ID number XXXX so that she could correct my credit report to reflect that I have not missed payments etc. She was extremely rude and simply lied saying that they could only get the address change with authorization from the card holder. At one point she, admitted they had changed the address due to the post office, not to mention several other people I had spoken to that day also stated the address change was because of the post office. She also tried to claim that they could only go by the information given on the original opening of the XXXX account, which of course had my actual Address since I have not moved in 22 years. She absolutely refused to correct the credit report and when I called to pay the original amount had put some kind of flag trying to reinstate all late fees, interest etc. my attorney advised me to pay no more than the corrected amount since they had randomly decided to change my address, and to file this report.

Company response to consumer: Closed with non-monetary relief