BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NV
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 XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MS
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 a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NJ
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:
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


Accounts : XXXX XXXX XXXX. 
XXXX : XXXX. XXXX, 2021 XXXX XXXX, Old ( XXXX ) XXXX XXXX XXXX OF XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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 sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX : {$81.00} ( Original Creditor : ) XXXX Balance : {$100.00} XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Disocover credit card keeps giving me a hard time to verify my account with all paper work printed out and notarized by my bank it self, they claim this is for identity purposes but yet my irs forms already came back to them and this same paper work im uploading to you guys has been sent to them as well They been playing games with me the hole month of XXXX saying paper work doesnt come in or not uploaded but yet how easy it is to show you guys proof of everything i sent in here i have confirmation of faxes been faxed in and is always a story the fax didnt come in or something is incomplete this is what they asked for and this is what ive been sending for the past XXXX weeks notarized and printed out at my bank institution they went as far as implying i can be an XXXX XXXX  or a XXXX on the phone and that i could be making this up please i need you guys to step in for me and stop this they will hurt my credit score if they shut down my account and im tired of asking for a super visor to call me back or even get them on the phone they claim you have to wait three days to speak to a super visor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: FL
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 credit history on a personal credit card is appearing on my ex wife 's credit report and she is able to see my balance on the card. I have verified with the card issuer that she is no longer attached to the account in any way, and has not been for several months.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse of remarks you not provided me a copy of any original documentation required under 15USC 1681G ( a ) ( I ) & USC16811 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all Information Which can not be verified.

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 2023-05-02
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled my internet and phone service with XXXX and returned my equipment in person to the store on XX/XX/. The person at the store confirmed that I was owed a balance of {$.00} for disconnecting early. However, I was sent a bill from a debt collection agency on XXXX and XXXX saying I owed {$150.00}. I wrote back to the debt collector with documentation on XXXX  and XXXX. I called XXXX on XXXX but they refused to remove charges. CBHV Reference # XXXX ( XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Foursight Holding LLC
State: AR
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:
please remove all Fraudulent accounte as i have no knowledge of any of these accounts due to the XXXX data breachidentity theft. All is being investigated by the FTC. According to the FCRA 605B This information must be blocked IMMEDIATELY until the investigation is OVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six 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. 
XXXXXXXX XXXXXXXX Balance : {$100.00} U S DEPT OF ED/XXXX XXXXXXXX Balance {$2100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022

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 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I currently have no knowledge about. This was a result of malpractice or an error.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
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 have disputed the following accounts directly with the credit bureaus but did not receive any response : 1. XXXX XXXX XXXX  - Account # XXXX 2. XXXX XXXX Account # XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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 2022-11-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 a check was deposited into my JP MORGAN chase checking account. XX/XX/2022 the check cleared with the bank I wrote my check from. On XX/XX/XXXX I went to the bank to get a statement proving my check cleared and took that statement to JP MORGAN. The branch manager refused to assist me with having my money released. She photocopied my bank statements and scanned them into the system and told me to call the chase deposit review. I called the chase review and they lied stating that they wont release the funds because XXXX XXXX didnt provide them with enough information for my check to be able to clear. I spoke with someone from XXXX  who said that doesnt even make sense and why would they prevent me from receiving the check when its been cleared on their end. 

This isnt the first or second time JP MORGAN has done this to me. They have a problem thinking they can withhold peoples funds that they never put there in the first place. This company is known for the way they lie scam and cheat their customers. They do it often and they do it well. I kept this bank open simply because it was my longest opening account, and as soon as this money clears I will be closing the account entirely and still following up with complains. Im thanking myself I didnt choose this establishment to handle any of my estate affairs because they choose to make everything impossible. I have to wait until XX/XX/XXXX for a check that has been cleared since XX/XX/XXXX and they have had proof since XX/XX/XXXX. They hide behind their desks and their phones reading a stupid speech yet cant turn the monotone robotic voices off to help someone that can easily be assisted. Im looking into if others are currently going through this because JP MORGAN deserves another class action settlement against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened a Venmo account in XXXX. It was only opened for about a week and Venmo restricted my account has been holding {$100.00} on my account since XXXX and will not say why or give me my money. I am a single mother of XX/XX/XXXXchildren, going to school to become a XXXX  and it is very hard doing this by myself. I need every XXXX  I work for and receive. I don't understand how banks and business are allowed to just take someone's money and give them no reason as to why. I have tried over and over to speak with Venmo and get some type of answers but none is ever given to me. I followed every single one of their policies and it is sinister that our government allows business like this to stay open. They are stealing for single mothers and hard working people and nothin is done about it. Yet if my children were hungry and I stole some meat from the grocery store to feed them I would be taken to jail. I desperately need that money right now.There are days when I don't eat because I only have enough to feed my children yet I have {$100.00} in my Venmo account that I can't touch because Venmo thinks they can do whatever they want with my money and the government allows them too. I am not the only one having this problem because I researched it. How can you people keep allowing this to happen? I'm so frustrated right now. They freeze accounts use our money as they please and. give it back when they have it to pay back. This is hurtful in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
During a security clearance check a fraud account was discovered reported by XXXX against me. The account was created fraudulently and is not my account. I have called over and over from the XXXX XXXX where I work, but I always get a fast busy when I call. 

I have tried to call over 2 dozen times. 

I am in jeopardy of losing my XXXX  clearance and XXXX  over their false reporting.

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 2020-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/ 2020, I opened a Capital One 360 saving accounts with promotion of {$500.00} open bonus. I finished the requirement and am qualified for {$500.00}. In XXXX'2020, I receive an email from Capital One for another promotion of {$450.00} additional deposit bonus. Again, I finished the requirement and am qualified for {$450.00}. However, I only received the bonus of {$450.00} from Capital One. When I contact Capital One, the bank says they can only give me one bonus for same time frame. They are wrong in several points : 1. Capital One does not clearly state customer can only qualify one bonus in solicitating emails.

2. Capital One intentionally solicitate existing customer for a low amount bonus when they are qualified for a high amount bonus, while not disclosing the customer can only qualify for one bonus.

3. The {$500.00} and {$450.00} are different bonus servicing different purpose. {$500.00} is for new account open, and {$450.00} is for deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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:
By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 1
51.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion has refused to remove the following two inquiries that both occured fraudulently on the same day. 

XXXX XXXX  XX/XX/2022, XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XX/XX/2022, XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: EdFinancial Services
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I paid off my student loans during 2020 in full {$3600.00}. I learned that I was eligible to request a refund for this amount due to laws surrounding student loan payments made during the COVID-19 pandemic. I of course also learned that I would be eligible for Biden 's student loan debt forgiveness which was since been blocked- but that is besides the point.

I requested a refund in the hope that I would eventually also receive debt forgiveness. Edfinancial said they were processing the request and I have periodically checked in on the process. Most recently I saw that my balance on my account had increased from {$0.00} to {$3600.00} and that they have reported this balance to all of the credit bureaus. I have not received a refund for the balance. They are claiming that I have a {$3600.00} balance but I have not received a single penny from EdFinancial or any indication that money is coming any time soon. I have corresponded with them and received blanket scripted answers regarding the student loan forgiveness program. This is an entirely different situation separate from forgiveness. This is regarding the refund aspect. They are currently fraudulently claiming I have the full balance on my account despite me not having received any form of refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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