BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: PA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I requested a loan to consolidate debt on XX/XX/XXXX. I submitted all proof of XXXX and rental income that was requested by USAA. Also, some of my current debt was covered by loan protection/ XXXX and that debt shouldnt count against my DTI because it was covered under my loan protection plan I explained this to them. However, USAA has decided to not extend me a loan saying my obligations are too high XX/XX/XXXX. This is the reason I am requesting a loan consolidation to bring my DTI down and to make one payment. I have the income to afford the loan but I feel they are discriminating against me because I am a XXXX veteran.

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: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is 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 non-monetary relief
Consumer complaint received 2023-08-18
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:
This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) 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, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: GA
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
XX/XX/XXXX-XX/XX/XXXX, my Macy 's American Express Card was fraudulently charged XXXX times for almost {$8000.00}, way above my credit limit of {$2700.00}. My card with a chip was in my possession. Inside job, I told them. I called them to complain XXXX XXXX. They told me that they will remove the charges and that I will not be liable ( but, of course! ). XXXX XXXX, XXXX, they sent me a new statement : they closed that particular card, transferred XXXX fraudulent charges to a new card, charged me a late fee and interest charges for XXXX fraudulent charge that they did not transfer. I called again and complained. They said to ignore again, and that it will take 3 months for them to look into the matter. XX/XX/XXXX, they sent me a statement again, Interest charge and late fee accumulating, and I called to complain again and the said to ignore again. They did the same in XX/XX/XXXX, and when I complained again, they said to ignore the statement and that next month, a zero balance will show. I asked them to write me a letter to say this, they said they do not do that but the next statement will show a XXXX. Today I get a statement again, with accumulated interest charges and late fees. I called them again before I write this complain to you, and they said to ignore again. And why all these? they said they are sending me a statement without my being responsible for it. Them why sent me a statement at all!!! I asked. 

Please help me Sir, Madam at CFPB. My XXXX every time I get these statements, which they tell me to ignore. Is this fair? I told them that this has also happened once with XXXX other credit card that I have. But the other credit card, XXXX XXXX XXXX, wrote me after it was over, 1 month. Only XXXX charge. How could Macy 's Amex allow all these XXXX charges in 2 days to even go over my limit? Inside job, I told them. To top it all, I also emailed their XXXX of XXXX XXXX in XXXX, Ohio, no reply. Thank you for your time and attention. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 monetary relief
Consumer complaint received 2015-11-30
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filed a complaint here earlier this year about XXXX. Since i filed the complaint the company claimed they send a letter to the credit bureau to remove the account from my report. XXXX and XXXX deleted the account but XXXX still reporting the account as collection. i called the company few times about XXXX, they said they already send a letter to them but when i disputed it XXXX said the company respond the debt is valid. I disputed the account again two weeks ago again XXXX said the conpany respond the debt is valid. This account is a bank account my exwife open with Citibank and went into collection. I do n't know whats their situation with her i just want to know how the account related to me. If this was a joint account then as i requested before, i 'm requesting the copies of the identification i used and the page i sign. I understand it 's their job to collect, well it 's my job to verify to debt they 're collecting. The Fair Debt Collection Practices Act, gives me the right to request validation of this debt. i have requested it, it was n't provided to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Calvary Portfolio Services, LLC in New York has repeatedly reported false claims of {$10000.00} ( Account Number XXXX ) debt that I do not owe or known anything about on my Credit Profile, impeding on my ability to secure any measurable credit and have refused to substantiate how we established a mutually, and agreeable financial relationship with for which they are demanding a payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, at the XXXX ATM on XXXX XXXX ( at XXXX XXXX ) in XXXX, I tried to access my checking account two times with no result. The first try was for {$200.00}. The second try was for {$300.00}. I tried a third time successfully and received {$300.00}. At the time I did not expect any deductions for the first and second try as I had not accessed any cash. I didn't know there was a problem until I checked my account days later. On XX/XX/XXXX, I called customer service. They said they would reverse the withdrawal and they did. On XX/XX/XXXX, I noticed the {$200.00} and {$300.00} were showing as withdrawals. I called customer service again but got no explanation other than, " That's what the record shows. '' On XX/XX/XXXX, I went to the bank in person and told the teller that I money I never got out was taken from my account. He said, " That machine has been giving us issues lately, '' and directed me to the branch manager " XXXX '' ( XXXX XXXX XXXX ). XXXX XXXX called customer service and repeated the same " that's what the record shows ''. I asked him to check the camera footage. He totally dismissed me. On XX/XX/XXXX, I gave XXXX XXXX with the XXXX Police Department the information. He left me a voice message saying he contacted XXXX XXXX, a XXXX XXXX, who said he would call me. I never heard from him. On XX/XX/XXXX, I went back to XXXX and asked for XXXX XXXX, but the manager I'd spoken with before, XXXX XXXX, denied knowing XXXX XXXX. The same day I went to the XXXX Police to ask for a copy of the incident report which took about XXXX days to obtain. It is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

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 non-monetary relief
Consumer complaint received 2015-12-31
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in an no fault XXXX accident, substantiated minor injuries resulted me going to the hospital. I was assigned a Representative for XXXX XXXX whom I spoken to several times in the past and was informed that all medical bills will be paid thorough XXXX XXXX. I shared that information with all the parties involved with the accident and yet it is still on my credit report. Doctors XXXX service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I have file disputes in XXXX of this year and i still have not received anything from them. 
Attached are my disputes 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 explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2021-08-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I already sent multiple debt validation letters and they willful non-compliant as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] debt showing on on EQUIFAX REPORT : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX FL Re : Acct # account number # # # # # # # # # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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 noticed this problem on XX/XX/XXXX " I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$970.00} Account name : XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX XXXXXXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$1000.00} Account name : XXXX XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$310.00} Account name : XXXX PARTNERS Account Number : When account was open : XX/XX/XXXX Account Balance : {$300.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$720.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$54.00} Account name : XXXX XXXX XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX Account number : When account was open : XX/XX/XXXX Account balance : {$3700.00} Hard Inquiries Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Incorrect Addresses reported to be deleted : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Incorrect names to be deleted please XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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 Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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 non-monetary relief