BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX XXXX I opened a small business checking account with Chase Bank located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. I have two complaints : 1 ) When opening my account, I specifically stated ( twice ) that I DID NOT want my information sold and requested that it be noted accordingly. The Relationship Manager ensured me he did. Within two weeks, I received a SPAM text, email, and phone call informing me there were issues with my account and therefore my funds were frozen requiring me to call the number provided. I didn't call the number provided, instead, I call the Chase Customer Service number which they refused to help me because I didn't have my ATM card number with me. I provided them with all the other pertinent information to verify my account but was instructed they couldn't access my account without the account number. I had to wait a week when I return to town to call because I was unable to access my account through my APP. After I placed the call to confirm my account was not " frozen '', I received a call from a woman stating she was a relationship manager following up on my experience with Chase. When I explained what happened, she asked me to hold while she got a member of her IT department on the line, who was a male with a strong XXXX XXXX. While I was on hold, I XXXX  the phone number that was displayed on my phone. The woman then returned and asked me for my account number and password. I told her I XXXX  her number, and it wasn't a number from Chase Bank, and then she informed me she was calling from her cell. I hung up on her and she called me back from another number, which when I called it back was disconnected.

2 ) I used XXXX to transfer {$2400.00} to my Editor. I had over {$10000.00} in my account. My Editor informed me she did receive the money. I called customer service and was informed that they put a hold on the funds until " the back office '' approved the transaction. My Editor did receive the money until late that evening, which was an issue since I was on a tight deadline. Chase has no right to hold my funds of {$2400.00}, which is a legit business transaction. When I called the branch to inquire why they held up my funds, I was told they wanted to ensure I wasn't laundering money, which is the most absurd thing I've ever heard. The money was being transferred from XXXX XXXX XXXX.

Chase Bank is more concerned with placing a hold on my money for a legitimate business transaction for a measly {$2400.00} than they are selling my information, which required me to go through several hoops to ensure the safety of my funds.

When I went in to close my account, I reminded the Relationship Manager that I requested my information not to be sold and asked him why he lied to me and told me he noted my account. He had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, the following listed inquiries are in violation of my rights : XXXX XXXXXXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 an account without my written instructions. 

I have provided XXXX, XXXX, and Equifax with a copy of my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 Account # XXXX, has violated my rights.

15 USC 1681 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 a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: NJ
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:
Hello, I requested a method of verification from Equifax for the dispute investigation results for XXXX XXXX  confirmation number # XXXX dated XXXX, and the dispute investigation result for XXXX XXXX confirmation number # XXXX dated XXXX. 

The attached letters are dated XXXX and was sent certified receipt mail, in which Equifax received XXXX per the attached tracking records. Per my attached method of verification request I was very specific of my request. 

According to many federal laws, such as FCRA and 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) 1. A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency And ; 15 U.S. Code 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I have yet what was requested in my attached request, it has passed the 15 day mark allotted by law. Equifax in now in noncompliance with federal regulation made to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction This account is showing inaccurate information 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 2022-04-27
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:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX  : XXXX -- -> : {$500.00} XXXX XXXX : XXXX -- -> : {$4200.00} XXXX XXXX  : XXXX -- XXXX : {$680.00}

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 2023-02-07
Company: SYNCHRONY FINANCIAL
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:
I have had a credit card with XXXX XXXX for 1+ year. I was PUSHED by a sales representative to take out a credit card for them to purchase a couch. I rejected at first because I did not want a high usage ding on my report. The couch was no more than {$2000.00} and it was explained to me that the credit limit would be {$4500.00}. I figured it wouldnt be maxed so not too bad and agreed. Once I got the card, my limit was actually {$2500.00} which meant my usage was MUCH MORE than I thought it would be. Not only did this company get my address WRONG, along with my NAME I was unable to make a payment online because I hadnt received the card. I called them after 2 months of no card and thats when I realized something was wrong. They ended up reporting 2 late payments to the credit bureaus and in turn, made my credit go down. Since my credit went down, they lowered my credit limit to LESS than what I had owed on it. I called eventually and explained please fix this and that they were the reason my credit lowered and finally removed those charges. THAN had the audacity to request a larger limit on my bahalf ( NOT APPROVED BY ME ) and it was rejected which than made a hard inquiry and made my score worse. Now every month after I have made a payment they keep lowering and lowering my credit limit making it IMPOSSIBLE for my usage to go down on this card. This is SUCH BAD PRACTICE. Please advise

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
When checking my Equifax credit report in XX/XX/2018, via my Equifax Credit Monitoring paid membership, I noticed there was a joint open account that I did not recognized as mine under XXXX XXXX XXXX XXXX being reported on my credit file. I disputed the validity of this account with Equifax. I checked my report for updates on XX/XX/XXXX & I noticed that Equifax added comment on the account stating- consumer disputes- reinvestigation in progress. ( copy of the report page attached ) On XX/XX/18 I received a confirmation email from Equifax notifying me my dispute was complete. ( confirmation # : XXXX ) When checking my updated credit report, the account that I previously dispute was deleted & removed from my Equifax credit report. ( copy of dispute confirmation & report page attached ) 3 days later I received a monitoring alert notifying me a new account had been added to my Equifax credit report. I checked my updated report ( via Equifax ), & I found the account that I previously disputed & was given confirmation with a confirmation report verifying that the account was deleted/removed from my credit report ( via Equifax ), was reinserted on my credit file, without any notification whatsoever. Despite the fact that Equifax was unable to verify or validate this account during the dispute investigation, they are knowingly reporting an inaccurate & unverified account on my credit file, which is a direct violation of the Fair Credit Reporting Act & violates my personal consumer protection rights. ( copy of credit report from XX/XX/XXXX attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: NY
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 am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX Reported : XX/XX/2020. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please know the information on my credit report is not correct. I've listed addresses and inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. see the attch U S DEPT OF ED/XXXX/XXXX Past Due Amount : {$5600.00} XXXX XXXX XXXX XXXX Past Due Amount : {$2100.00} XXXX XXXX XXXX XXXX Past Due Amount : {$950.00}

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 2023-05-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just noticed an account from synchrony Bank from XX/XX/2019 this is identity theft fraud I need this removed from my consumer report IMMEDIATELY

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 2023-04-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and have enclosed a copy of my identity theft report, I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : I demand that the following account be verified or removed immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized MXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2023-08-29
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:
This is a request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts/inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NE
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: AR
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:
15 U.S. Code 1681b - Permissible purposes of consumer reports. Inquiries are not attached to an open account. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ran my credit without permission. 
On XX/XX/XXXX XXXX XXXX XXXX ran my credit without permission. On XX/XX/XXXX XXXX XXXX ran my credit without permission. I contacted XXXX, XXXX, EQUIFAX to get written validation of the inquiries. No documentation was provided. This has caused emotional distress and pain & suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TD BANK US HOLDING COMPANY
State: SC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX 
On XXXX. XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation