BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: CA
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2022-05-17
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 XXXX  Account # XXXX also 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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NY
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:
Recently, I requested verification of inaccurate accounts reporting on my credit report that your bureau maintains. I received a response stating that the account ( s ) were verified.

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for you investigation of the following accounts, as required by FCRA 611 ( a ) ( 7 ) : 1. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are fraudulent inquiries and inaccurate account information on my credit report! I have disputed this information multiple times and nothing is being done! I feel as though this is an insult against my intelligence and a right being taken as a joke as an American citizen who understands the CFPB laws!! Your credit is your life and this inaccurate and fraudulent information being so easily put out there BUT NOT BEING THOROUGHLY INVESTIGATED is hindering me from a lot of things!!!!

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 2022-05-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: DISCOVER BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, a scammer posed as me and sent a wire transfer from my Discover checking account in to their XXXX bank account. I received a call from someone claiming to be from Discover bank. In fact, the phone number that appeared was Discover 's phone number. ( a known number/device ). There was some sort of XXXX card swap/takeover of my phone. I could not make or receive calls from my cell phone because everything was being taken over by this male scammer. 

We reported that our account had been drained by this person 10 minutes after the wire was sent through. Discover said they would issue a wire recall but could not guarantee XXXX bank would work with them. Within an hour we filed a police report and the officer told us this is becoming more common with the cell phone takeover. Interesting enough, Discover told us that there was an unsuccessful wire transfer 2 days prior to this but there was not enough money to cover it. If we would have been notified, this could have been avoided. 


After several attempts to work with Discover and their XXXX XXXX, we received a call from a supervisor that since the Wire Transfer request came from a " known device/phone number '', they did not break protocol and will NOT be returning our {$12000.00}. We reported that our account had been drained by this person XXXX minutes after the wire was sent through. Discover said they would issue a wire recall but could not guarantee XXXX bank would work with them. Within an hour we filed a police report and the officer that came to our home, told us this is becoming more common with the cell phone takeover. This has left us in terrible financial ruin and 3 months behind on rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: WASHINGTON FEDERAL BANK
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was treated with discrimination by a Washington Federal bank employee while depositing a check into my own account. I have had a Washington Federal account with my spouse for years. We both have 1/2 of our mortgage payment deposited into the account each month from our paychecks. Then, our mortgage payment comes out of the account on the XXXX. Last month, there was a mistake by my payroll in deleting my direct deposit. So, I needed to go into the bank and deposit a check for my half of the mortgage. I went inside on XX/XX/2021 to deposit a check into the account. I went to the XXXX XXXX branch # XXXX at XXXX. I went to the register and gave my drivers license and check to the male teller and told him that I needed to deposit the check into my account because my direct deposit had been stopped. He kept looking at my I.D . and back at the screen saying things like, " I just want to make sure this is you. '' And, " You said you had a mortgage here? I don't see it. '' I didn't say that I had a mortgage there. I said that my mortgage payment comes out of that account. He took a really long time with the deposit. Then, before he would give me my drivers license back, he said, " I need you to take off your mask so we can get your face on camera. '' And I asked, " Do you ask this of everyone? '' And he said, " Yes. It's standard procedure. '' FOR A DEPOSIT???? I was not withdrawing money. He saw my drivers license. Why would I need to show my face to the security camera for a deposit? ( Please check their security cameras for interactions with Caucasian customers ) And, I'm certain that they do NOT ask everyone to remove their masks. That is not safe because of the COVID crisis. He treated me like this because I am an XXXX XXXX. He made me feel like I was a criminal. That is not right.

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 2020-10-16
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Santander used deceptive auto financing tactics to engage sub prime consumers. On XXXX XXXX, Maryland attorney general XXXX announced a {$550.00} XXXX dollar settlement with Santander Auto financing. For consumers who defaulted on loans between XXXX XXXX and XXXX XXXX, the assumed loan was taken out on XXXX XXXX. Per this law suit any loans taken out by any consumers during this time period will be forgiven. This notice will be sent to the consumer protection division at XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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 have included an attachment of the letters that I have sent to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was shopping for a new business credit card. I reached out to my current lenders before making a decision. I called CHASE, Spoke with four of their representatives, about the details, rewards, my options and to confirm the terms and conditions, before applying and receiving approval. After noticing that I was given more than one misleading statement, that influenced my decision on choosing the right card, I called and was directed to a supervisor. After informing the supervisor, I was hopeful that the matter could be resolved, or some type of resolution. The supervisor hung-up, while I was still talking, twice. The supervisor downplayed the entire situation, racially profiled and was very discriminatory, towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: WI
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 have taken a review of my credit report and notice accounts, address annd phone numbers that werent authorized I havent made any contracts with these companys and I dont recognized these companies. I have filed an identity report and law requires you to remove accounts and addresses with four days. Be advised that this is a serious mater and would like this handled 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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have included an attachment of the letters that I have sent to the credit bureaus.

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 2023-10-24
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:
Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update the following information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New Jersey XXXX Employer : XXXX XXXX XXXX Phone number : XXXX Please remove another other names, addresses, phone numbers, and employers Thank you!

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 2023-09-29
Company: Experian Information Solutions Inc.
State: CA
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00}.

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 2023-05-09
Company: Bread Financial Holdings, 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:
In XXXX I sent an e-mail advising that Ive made several attempts to get statements for accounts that are reporting incorrectly to XXXX and XXXX. To date, my request has been ignored. I have sent letters, e-mails, and placed phone calls requesting statements from account open date until closure date. I am asking again for all statements for the below mentioned accounts or that you delete them from XXXX and XXXX immediately. 

XXXX. XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX. XXXX ; XXXX XXXX. XXXX XXXX ; XXXX XXXX. XXXX XXXX ; XXXX XXXX. XXXX XXXX ; XXXX XXXX. XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX. XXXX ; XXXX XXXX. XXXX ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Bank of America is violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, reporting information regarding checking account ending in XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) 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. 

On XX/XX/XXXX I sent a letter to B of A requesting copies of all documentation and information regarding account ending XXXX. I received a letter in the mail that simply stated their investigation had been completed and information was updated. They did not attach anything additional as I asked. 

They had reported incomplete, unproven, and or inaccurate information to both XXXX and XXXX XXXX XXXX about me and this account. Regardless of their inaccurate reporting practices they are in violation of my rights as I have stated above. 

I have attached a copy of the original letter that I sent to B of A which explained in detail what happened to me as well as a request for documentation that would have helped me understand why my account was closed in the 1st place. They failed to provide me with that documentation. 

I have also asked for both XXXX and XXXX XXXX XXXX to investigate this matter. Both came back and stated that their investigation with B of A has been completed. This account remains on my consumer disclosure with both companies. I also never gave them written instructions to furnish information about me. They are both also in violation of my rights. 

I have attached copies of both of their response letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: NY
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 did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-05-09
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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached 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.

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 2022-11-14
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:
The following unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation