BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX/ XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
This is a follow up complaint regarding the issue that I was a victim of identity theft. Once more, according to FCRA Section 605B, which is outlined in 15 U.S.C. 1681c-1, the Credit Reporting Agencies are required to remove and block any items listed on an identity theft report. Please see the ATTACHED documents to assist in the blocking and removing of the inquiries which were being posted to my report. Here is a list of the unauthorized inquiries which have been reported in my credit reports : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX 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 2021-04-08
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed XXXX on my credit report and called them to pay an alleged debt so that it would not negatively affect my credit. Upon calling I was informed the debt was transferred to XXXX. The debt reporting on my credit report is {$260.00}. Upon calling XXXX to resolve and pay I was informed that an additional collection fee of {$27.00} was added in which I did not agree to and do not agree to pay. I asked XXXX XXXX XXXX supervisor ) to remove the fee and was denied. I do not owe the additional fee and should not be obligated to pay this amount or have it negatively affect my credit due to my refusal to pay a company whom I legally do not owe.

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 2022-05-15
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is related to Complaint XXXX, Unauthorized transfers on unverified debt. NAVY FEDERAL CREDIT UNION alleged I owed XXXX and used amounts from my checking account towards this balance after I directly asked for clarification regarding the credit section of the statement. 

Today I noticed that the amount has decreased to XXXX approx. without any explanation. I did in fact do a complaint regarding the transfers and I do expect to get a written explanation concerning the transfers. 

NAVY FEDERAL CREDIT UNION, ( NFCU ) is not abiding by the law and must be held accountable for their grave fiduciary failure in regards to financial accounts. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I purchased a washer and dryer from Home Deport with a CitiBank credit card I signed up for in order to get a discount. 

After multiple attempts, Home Depot was unable to deliver the correct dryer. I have receipts where I was credited for the dryer, each time they could not deliver it to my residence. 

Recently, I tried to reach the Home Depot Credit Card website because I kept getting phone mail messages about a late payment while I was at work. I was unable to create a password and I finally was able to wait on the phone for a customer service person, when I received one of the phone calls ( day off. ) The person on the other end kept asking me for personal information to verify an account, but would not tell me which account. Finally, after I explained I was not going to give out personal information over the phone from a phone call I received without knowing the details of the account, the person on the other end let me know it was Citibank for Home Depot. 

When I finally received a statement in the mail ( XX/XX/ ), the balance on the account was incorrect. The balance included what appeared to be a charge for the returned dryer. 

When I contacted Citibank card services, they indicated that even though I had electronic receipts detailing the credits for the dryers, they did not want them. They could not help me. It was my responsibility to go to the Home Depot and get the account balance straightened out. 

When I asked for an explanation as to why the electronic receipts did not reflect on my account, when the credits were clearly made on my credit card account. They could not explain and eventually just hung up on me. 

I am just now receiving a statement and aside from the phone calls, I did not receive any additional correspondence regarding the bill. I was under the impression I would not have to start making payments until they resolved the issue with the dryer. However, in addition, I have what appears to be a late charge on my account. 

I am concerned because this type of thing is hard to navigate for XXXX  people. Having these types of policies, where credits made electronically on an account do not register is unfair at the least. I had to navigate long wait times, multiple phone transfers, rude customer service personnel and eventually being ignored and hung up on. There is a segment of our society that would not be able to work through that and would probably end up paying the unfair charges.

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 2022-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had an account with XXXX XXXX which XXXX XXXX XXXX had possession of the debt which a settlement was reached and the debt was suppose to be eliminated. They later sold the debt Portfolio Recovery and it is causing my credit to plunge and the debt has been settled. XXXX XXXX XXXX has a class action suit filed against them for mishandling debt. Please if you all can look at resolving this issue it would be greatly appreciated. 
Portfolio Recovery {$1500.00} Portfolio Recovery {$1600.00} Account # XXXX In the letter they also said they acquired the debt on XX/XX/2019. This is total scam! XXXX was eliminated from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX : {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Bread Financial Holdings, Inc.
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Around XX/XX/XXXX I called Comenity bank to dispute a charge I made on XX/XX/XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX for {$1000.00}. Today, XX/XX/XXXX, upon logging in to make a payment and that the {$1000.00} plus interest has been put back onto my card. I had not received any forms of communication from Comenity saying this dispute had been 'resolved ', not did Comenity make any attempts to collect evidence from me about this dispute. I called customer service to inquire about this dispute and was told that XXXX XXXX XXXX XXXX informed Comenity that they have contacted me in regards of my dispute. THIS IS A LIE. XXXX XXXX XXXX XXXX has made ZERO attempt to contact me. When I informed Comenity that they had been lied to, and have based their decision off of false information they said their decision was final. I asked to speak to the resolution department, or the dispute department to make a complaint and I was told I couldn't. They informed me I could only send a printed letter to them. I made all efforts I could on the phone to informed them that XXXX XXXX XXXX XXXX NEVER contacted me. I have attached evidence showing the correspondence between XXXX XXXX XXXX XXXX and myself. On XX/XX/XXXX they requested information detailing what was wrong with the item and pictures. I sent what they requested and then I HAVE NEVER HEARD FROM THEM AGAIN. As you can see via the email document I have attached AND a screenshot from XXXX XXXX XXXX XXXX own resolution center where it shows that NO ONE has responded to me IN ANY WAY SHAPE OR FORM. Hence PROVING this company lied to Comenity, and Comenity has based their decision off of FALSE INFORMATION. This decision of the this dispute should be reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
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: Investigation took more than 30 days

Complaint:
I sent out a 609 FCRA letter on XX/XX/2020, to ALL three credit bureaus to remove all inaccurate items and items I never gave permission to be reported. It has been well over 30 days and I have not received any investigation results.

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 2020-06-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I ( had ) 4 accounts totaling over {$70000.00} with chase bank including a business account for past 3 years. We went to the Chase branch in XXXX XXXX  in XXXX OH since I wanted to open another account for my in-laws. I am a US Citizen, but my in-laws are green-card holders and often visit us in the USA and stays with us for a year or so for each visit. We provided the original green-card, social security card and their passports to the banker. I added myself as the authorized individual to my in-laws account for emergencies. After few days, we receive a letter stating my in-laws need to show their proof of address in 3 days otherwise their account is going to be closed. Apparently immigration letters and social security letters serve less value vs driver license or utility bill!!! I was going to be out of town and I told them to close it and we will re-open another account later. But in day 2 with absolutely no warning, I learned that all my other personal accounts are also restricted and scheduled to be closed as well. Although I did not do anything wrong nor illegal and my in-laws were not on my accounts. My only crime was that my in-laws happen to have an XXXX  passport and they are green card holder and as the 3rd member my social security number was associated with their account too! I had deposits coming in and I have already made bill payments which will not be cleared due to this bank 's action! Chase did nothing to resolve the issue. The branch banker says that at the time he opened the account, he was not prompted any kind of alert by their system for additional document or proof of address. So, their system, their errors, but the consumer has to go through the hassle and overdraft fees and late fees regarding the bill payments! They are doing NOTHING To resolve the issue on their end and keep saying that we will make you a check in next 10 days! This is clear discrimination and lack of management on Chase behalf! If their system is faulty, why consumer has to go through the hassle and financial damages. It is funny that not even Branch Manager was aware that my personal accounts were to remain restricted and closed! I got penalized for no reason and no justification, but still I have to pay the price because of my in-laws ethnicity! Not all discrimination are captured on videos nor led to XXXX! Some discrimination are systematic! THANK YOU CHASE for treating your client who trust you with their daily financial needs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We were on automatic payments from Santander for our auto loan. Without our knowledge, the company stopped the automatic payment for the last payment that was due. They did not send us a notice for this, nor did they send us a bill and never sent us a collection notice. We only found out when we tried applying for a mortgage and this came up in our credit. We called the company and apparently they only tried calling us which did not seem legitimate as we receive hundreds of spam/scam calls. The company is being very difficult about removing this from my credit history even though it is completely not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS A DIRECT RESULT OF IDENTITY THEFT. CAPITAL ONE IS REPEATEDLY REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. NEXT ACTION TAKEN WILL BE LAWSUIT AGAINST CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: OH
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 but not limited to 15 USC 1681, 15 USC 1611, and 15 USC 1605. XXXX Accounts # XXXX, # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an 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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt is reporting correctly.

15 U.S.C 1611. States youre supposed to be notified of all signing information.

15 U.S.C 1605. States a finance charge is supposed to be a sum of all charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase stole my security/bond that I mailed in registered mail and did not credit my account. I have attached the USPS return receipt that shows the representative that signed for the security as well. Chase lists in their disclosure, payment instructions for " conditional payments '', other forms of payments or special endorsements. I followed the instructions as instructed and my account was still not credited. After calling in on XX/XX/XXXX at XXXX EST, I was informed by two very abrasive representatives that my security was accepted, kept, scanned into the system and noted for banking but they will not credit my account. The supervisor even threatened me that they will report my account late. I have attached a more Indepth summary of the issues. I understand that the STATEMENT that is mailed to me every month which gives an ACCOUNT SUMMARY as indicated on the bond portion of the coupon ( book-entry note ), is actually a dividend payment from securitizing my account and the transferring/trading of my securities in public markets and private transactions through CHASE XXXX XXXX, CHASE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, owner trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX trustee and JP MORGAN SECURITIES XXXX , just one of the underwriters. It is not a BILL for me. The obligation is the issuers, CHASE XXXX XXXX per their indenture agreement, Securities Exchange act of 1934, the Trust Indenture Act of 1939. On the call, which was automatically recorded, I requested a supervisor above XXXX. However, she refused and told me that there is no one above her. If I want a resolution, the only way would be for me to send in a written request to the correspondence department.

Company response to consumer: Closed with explanation