BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: MN
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:
Delete Late Payments from XXXX XXXX XXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law under 15 USC 1681B-Permissible purpose of the consumer reports the law Clearly states.

( b ) In General subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstances and not other. ( 2 ) In accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( perse ) 2.Negligent Enablement of identity fraud 3.Fair Debt collection practices act 15 USC1692g violations 4.Fair reporting act 15USC1681 violations willful noncompliance-616. Civil liability for willful noncompliance 15USC1681n Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: I.C. System, Inc.
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have requested to have this account verified several times for inaccurate reporting via the credit bureau and XXXX  XXXX XXXX have not received any original documents verifying this account belongs to me. My consumer report shows this account as a charge off which can not be reported as debit and income according to the IRS. XXXX XXXX in violating my consumer rights 15usc1681 by continuing to furnish inaccurate information.

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 2023-05-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I am filling report because there are several credit inquiries on my credit report that are not authorized by me and I did not give any permission to non of the companies involved, this is a total violation of my consumer rights and i would like all the following inquires to be remove as soon as possible. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am a customer  of Chase 's   XXXX   XXXX   XXXX . This card heavily advertises a rewards program that rewards 3 % of spend on travel & dining purchases, and 1 % on all other purchases, which I 've used for sometime and have been quite satisfied with - but comes at a cost of a {$450.00} annual fee, so I have high expectations for fully utilizing the benefits of the card.     Earlier this year, I made a purchase at a cabin/lodging rental company,  XXXX   XXXX , for a trip. While not a nationally recognized hotel brand or travel agency, it 's a reputable company that can be easily found through web search, has a better business bureau profile, etc.     I reviewed my statement from  Chase  and found that I only received 1 % cash back on this purchase. I have contacted them multiple times to try to adjust my purchase to reflect that this merchant should be considered a 'travel ' expense and earn 3 % rewards, but was told that the merchant classification for  XXXX   XXXX  that from happening.     How the merchant is classified is not my problem  - Chase  clearly advertises bonus rewards for travel, and any reasonable person would conclude this purchase should earn them. I recognize the syste m may not be  100 % foolproof and am happy to bring this to their attention - but it is deceptive and unfair for them to not adjust my rewards balance after my having done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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: Account information incorrect

Complaint:
XX/XX/2022 I was sold XXXX XXXX XXXX XXXX XXXX XXXX  was no good had major problems it broke down I called them told them I couldn't afford to fix it they picked it up 3 days later I filed a complaint with XXXX  to try and have my down parent refunded I was told no but they would use the car as collateral to cover the debt and it would state that on my credit report to my surprise they lied it has completely ruined credit report the said it was a repossession and I own a balance of XXXX something dears to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: OH
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: Was not notified of investigation status or results

Complaint:
I had started a business. I later closed the business and all accounts linked to this business so I had thought. I no longer had access to my business accounts later to find out my credit card account was being charged for a business page that was closed and no longer functioning. I had tried to dispute this entire transaction because it should have never been charged as I had closed my business account a year almost prior to this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was pushed into college right out of high school. I chose a out of state school with a high tuition. I had to take out XXXX a year plus federal loans to go. I was assured that I could make the money back, that it wouldnt take long to pay back. I wanted to quit school but my parents wanted me to finish. After my grace period ended I was hit with a XXXX a month bill from navient. I lived in rural ct with no car. My co-signer didnt want to cover the payment. I got a job at a XXXX making XXXX dollars an hour ... ..I put my loans into deferment and forbearance for as long as I could. There lies the problem. After that I got in an income based repayment plan, but as a house XXXX  I was bringing in XXXX a week. This was still not enough to see payment hit the principal. Ive been out of school for 6 years and feel I will never get out of debt with this company. I should have known it was peoples jobs to try to get me to go to school there, and that the school also tried to overcharge me for something once. I was a victim of coercion because I didnt know any better. I was young and if I knew what I know now, I would never let this happen to anyone- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Investigation took more than 30 days

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX I opened a Regions checking account. I deposited 3 checks I believe. There was some type of an issue with 2 of those checks. When I tried to withdraw the {$900.00} from my account the debit card did not function and neither did my online bsnking. They told me the account was locked for security reasons. When I tried contacting them about a week later they said the account will be closing and never gave me any explanations about anything. A fee years later I noticed that I was still receiving emails from them so I decided to call to find out what's going on. The woman I spoke with on the phone told me thst I do not have any accounts with them. 
While checking my email 2 days ago and I saw a bunch of emails from them. So ideside to try to log into my online banking. This time I was actually able to reset my online banking password and I was able to log in. I saw that my balance is {$430.00}. And i saw that for the past 5 years they have been charging me {$8.00} every month. And that the account that was supposably closed has actually been open all this time. So the very next day I went straight to the bank. To take out my money and close the account. When I went to the teller window she said that my account is inactive and that she needed her supervisor to approve it. Once that was done the teller informed me that they are not allowing her to give me the XXXX So I sat down and waited for a banker to attend me. He looked at my account and said that if I take the $ out they will have to close my account. I agreed. And then he said that he is not able to give me my XXXX He emailed someone and told me that I need to go back the following day and thst once he gets the approval from corporate office he will be able to give me my XXXX 
The next day I went to another branch closer to my house. And I was not able to get my funds. 
I don't understand how is it that they tell me that my account is close. Then I find out its not. Then when I try to get my $ they say the account is frozen and the funds are pending. Yet they have been charging me {$8.00} a month for the past 5 years which totals a little over {$400.00}. For service fees. And now they don't want to give me my {$430.00}. I'm pretty sure they just want to keep charging me {$8.00} a month for the following years until the account is at XXXX. And they will close it. Really I feel like they should reimburse me for that XXXX The banker from the other day said that it looks like there was some type of fraud on my account. The only fraud I see going on is regions bank stealing $ from me little by little. And not giving me access to my $ to make it easier for them to steal it. " Stealing '' is the best way I can describe what they doing to me.

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 2023-05-01
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal, I am writing to submit a complaint regarding the permanent limitation of my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake and that I have not violated any of PayPal 's policies. 

Firstly, I would like to stress that I have always adhered to PayPal 's policies and regulations. Therefore, I am confident that no infringement has been committed on my part that justifies the limitation of my account. The sudden and unexpected limitation of my account has caused me significant inconvenience and financial losses. 

I respectfully request that you re-examine my case with a view to lifting the account limitation. I believe that there may have been a misunderstanding or miscommunication that led to the limitation of my account. As such, I would appreciate a thorough investigation of my account to ascertain that I have not violated any of PayPal 's policies. 

I would like to highlight that my PayPal account is essential for my daily transactions and online activities. The limitations on my account have caused me undue hardship and have severely affected my business operations. 

Therefore, I would like to kindly ask PayPal to reconsider and reinvestigate my case as soon as possible. I am hopeful that upon further review, you will find that the limitation placed on my account was unwarranted and that my account will be restored. 

Thank you for your time and understanding. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-05-01
Company: Exeter Finance Corp.
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:
After checking my most recent consumer report I noticed some late payments continuing to show to on my consumer report from EXETER FINANCE LLC. 
15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The law above CLEARLY states the consumer report DOES NOT INCLUDE transactions or experiences. Transactions, when broken down, is transactional history. Late payments are a form of transactional history. 
Your company is in clear violation of 15 USC 1681a ( 2 ) ( a ) ( i ) as explained above and 15 USC 1681b ( a ) ( 2 ). 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I did not give this company WRITTEN INSTRUCTIONS to furnish ANYTHING to my consumer report, let alone LATE PAYMENTS! Delete the late payments listed above from my consumer report IMMEDIATELY! Failure to complete the task of deleting the late payments from the above-mentioned accounts will result multiple violations of 15 USC 1681 and all of its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: CO
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:
I recently pulled my credit and notice an account that was showing up as a charge off. I knew this was inaccurate, so I sent XXXX XXXX a letter to investigate this back in XXXX of 2022. With their investigation they updated the account and removed the balance they were reporting, as well as they sent me a refund check on that loan ( which was the same amount that they showed I owed. ) So obviously it was inaccurate. 

Then I sent a letter in XX/XX/2022 to EQUIFAX to investigate the account because EQUIFAX is still reporting it as a charge-off in the payment status. 
There has been no update, no investigation and this error is harming my ability to finance a home. 

The account was never charged-off. I have included The letter I sent to them, a copy of the check they sent me for the refund, and the copy of letter I sent to Equifax. 

A PROPER INVESTIGATION, NOT JUST VERIFYING THAT THE NAME AND ADDRESS MATCH, THE ACCOUNT IS REPORTING CLOSED, SO DO NOT RESPOND WITH WE VERIFIED THIS ACCOUNT AND THE ACCOUNTS REPORTING CORRECTLY .... BECAUSE IT IS NOT REPORTING CORRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: LA
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:
This account is way too old to still be on my credit record. No information was supplied to me in line with the law. The company still has not removed this from my credit record.

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 2023-08-03
Company: Experian Information Solutions 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:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$18000.00} ; XXXX XXXXBalance Owed : {$2100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation