BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
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'm filing a complaint because Equifax because this is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. On XX/XX/2022, I spoke to a representative in the consumer affairs department for hour and 46 minutes and I was promised the account will be removed from my credit report. My Information has been compromised and there has been an account open with XXXX XXXX ( Original Creditor : XXXX XXXX  ) without my authorization. I have contacted original creditor and they have agreed and close out the account because I have no signature on file with them to open in any accounts in my name. XXXX removed the account from my credit on XXXX XXXX and XX/XX/2022 XXXX has removed the account from my credit report. Admission is to deletion, the other credit bureaus have removed it then Equifax should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Equifax has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Equifax also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. During YOUR investigation period, Equifax did not REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but they gave me the run around and read of scripts to get me off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
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:
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 explanation
Consumer complaint received 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
My identity was stolen and credit cards were compromised. I reported this to BOA and the Delaware XXXX XXXX on or around XX/XX/XXXX. My BOA credit card was apparently linked to the theft 's XXXX XXXX account and he continued to charge on my account until XX/XX/XXXX at which time the actual card i was using was denied for a legitimate charge I was trying to make. I called BOA to find out why and was directed to the fraud dept. They asked me if I tried to make 2 large purchases at XXXX in XXXX  on XX/XX/XXXX. I said no, the fraud dept told me not to worry they had declined the charges, my account was secure and they sent me a new card. After the holiday on XX/XX/XXXX I contacted BOA again and found out the thief has changed my phone number, my email address and opened a checking account on XX/XX/XXXX as well without providing ID. He also made a {$2100.00} cash advance from my BOA credit card into the fraudulent BOA checking account he had opened in my name. He also had made thousands of dollars of charges that BOA failed to mention when I spoke to them on XX/XX/XXXX including {$1000.00} at a XXXX in XXXX  on XXXX XXXX and gas at a XXXX in XXXX, note that I never went to XXXX  and I told BOA that on XX/XX/XXXX. I then reviewed all charges with BOA and disputed to the best of my ability all charges that were not mine on XX/XX/XXXX. For unknown reasons, BOA denied my {$4100.00} dispute on XX/XX/XXXX and then on XX/XX/XXXX BOA charged me an additional {$1400.00} for no reason that anyone at BOA can explain to me. Since then they re-opened my original dispute, but went ahead and reported the full balance of disputed amounts plus the {$1400.00} charge to the credit bureaus which caused my credit scores to drop. I have tried to resolve this by going to the closest BOA branch in XXXX multiple times and I have called BOA and sat on hold with there fraud dept. every other day for 2-3 hours each time since then. To date nothing has been resolved or updated. It has been over 30 days since BOA realized there were fraudulent charges on my account.

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 2023-08-04
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Lloyd and McDaniels law firm apparently sued me for a debt in XXXX. The original debt they said was through XXXX computers and then XXXX XXXX. They wouldnt tell me how old the debt ( original ) was from XXXX but if this action took place in XXXX from the 3rd collector and its 4 years old Im going to guess it was at least 10-15 years old because Ive not even owned a XXXX in that long. My wages were garnished this past payday which was XX/XX/XXXX and I had no idea that was even going to happen. I called the number on the paper that my Human Resources got for me from the payroll department. They said they were not releasing the garnish. I make {$300.00} every 2 weeks if that and I am a single mother. This puts a hardship on me trying to take care of my daughter. I am finally getting a few more hours at work then it takes out the extra I would have had from a garnishment I didnt know about. If I was served in XXXX I dont remember that was 4 years ago and also was going through a divorce at same time. I was never sent a letter letting me know it was coming out now. I am working more hours for the same pay and missing out on time with my daughter. I need this garnishment stopped because I dont know what Ill do if its not. The debt is for {$4500.00} XXXX cant pay that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
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: Account status incorrect

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: SYNCHRONY FINANCIAL
State: PA
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:
I had Lowes come to my home to measure for carpeting install. The estimator observed and measured the areas of my living room and stairways that we were looking to replace carpeting. He observed the contents of the rooms and the fact that a medical stairlift was in place on the stairway. He advised that the installers would move the furniture and " work around '' the stair lift brackets. The carpeting was ordered and a deposit of approximately {$2000.00} was required. I made the payment and placed the order. Once the carpeting was " in '' I was contacted by Lowes to schedule the install. The date was agreed and the installers arrived at the scheduled time. 

Upon arrival the installers observed the stairlift and living room furniture. They advised that they would not be able to complete the install until the lift was removed and the furniture was removed. I explained that I am XXXX years old and in no condition to move furniture and that the estimator was aware of the contents of the room and indicated the installers would take care of " everything. '' After several minutes of discussions, the installers left and took the carpeting with them. I attempted to follow up with Lowes via phone and driving to the store in person. After repeated failed attempts, I submitted a dispute with XXXX  XXXX XXXX. After 40 days, I am still awaiting my statement credit and refund. Lowes has reluctantly offered to come back with a different crew of installers. As an elderly person who was verbally harassed by the first crew, I am not comfortable allowing anyone from Lowes into my home. I have requested a refund as it was Lowes who walked out of my home without installing any carpeting. Once they " quit '' and walked out, I am no longer a customer. I expect XXXX  XXXX XXXX to resolve this dispute and unfortunately getting a live person or any material updates is impossible. I am seeking my refund due immediately. I will be filing a complaint with the XXXX  and AG office for state of Pennsylvania.

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 2021-10-17
Company: EQUIFAX, 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:
These account do not belong to me, please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: ND
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX/DEPT OF ED # XXXX XXXXE # XXXX Closed Accounts : XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XX/XX/2022 EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Early this year, XXXX XXXX XXXX student loans merged into the same federal entity, XXXX. Due to this merger, XXXX has been reporting duplicated information from both government agencies as result my student loans debt doubled from $ XXXX to {$100000.00}. reducing my purchasing power hence ability to buy a house. Equifax and XXXX are reporting accurate information, see attached. 

Since XXXX of this year, I have been trying to get this fix with XXXX but they're not taking my request seriously. Hence, I may please need your assistance with this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
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:
Statement of Facts Chase : claim for return of funds XXXX dollars stolen by wire fraud. 
Incident information : In late XX/XX/2023, I lost my wallet containing my drivers license and ATM card. I called to make a lost report and to request a new card. Around XX/XX/XXXX, I was contacted by an individual saying they had found my wallet and they were willing to return it to me. 
I never got my wallet back. 
On XX/XX/2023, I was alerted to a wire transfer in the amount of XXXX dollars had been initiated. Someone calling under the guise of Chase fraud called me. Once I saw the transactions online I called to report it. 
I called and reported to chase fraud that I had not initiated this request and the person ( XXXX XXXX ) was not known to me. 
I also, filed a police report providing them with screen prints of the message I received from XXXX of the person claiming to have my wallet along with screen prints of the wire transactions that had been initiated and completed. 
I dont know how XXXX XXXX gained access to my account. Chase security should have prevented this. I have provided a claim report and supporting documents to chase on XX/XX/2023 have been in constant contact with Chase bank fraud/claims department since XXXX and yet I still have not gained any resolution to my request for a refund of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2023-09-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
USAA does not give customers the option to set up weekly or biweekly scheduled automatic payments toward credit cards. They will only allow a once-a-month automatic scheduled payment of an amount I choose, or the minimum amount due. I feel this is predatory lending because it does not allow the consumer to make automatic scheduled payments that may help get the debt owed paid off sooner. USAA states that I can go online and make manual, individual payments as often as I want, but this is terribly inconvenient to the me, and it also puts the me at a disadvantage as the chance of missing a payment is much higher. USAA is preying on this opportunity to maximize interest collection, late fees, and not looking out for the best interest of the credit card holder. No solution has been offered by USAA at this time and their customer service representatives are stumped when I call and ask for help. Every single time the representative insists weekly payments are an option, and then can't find how to set it up either, and have no idea why it is not available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation