BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NJ
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:
FXXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX As per the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies discharge their significant responsibilities with equitability, impartiality, and due regard for the consumers right to privacy. Equifax, XXXX, and XXXX are recognized as consumer reporting agencies, and I, in turn, am the Consumer. I hold the prerogative to safeguard my private information, a right reinforced by 15 USC 6801, which stipulates that Congress deems it a policy for financial institutions to proactively uphold customer privacy and safeguard the security and confidentiality of their nonpublic personal information.

As defined within that statute, a 'Furnisher of information to credit agencies ' indeed qualifies as a financial institution. Section 604 ( a ) ( 2 ) of 15 USC 1681 delineates that, with exceptions noted in subsection ( c ), a consumer reporting agency may furnish a consumer report exclusively upon receipt of written instructions from the concerned consumer. Both the 'Furnisher of information to credit agencies ' and the consumer reporting agencies Equifax XXXX XXXX XXXX and XXXX lack my authorization to provide this information, and certainly do not possess my written consent. 

Furthermore, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise a nondisclosure option. The 'Furnisher of information to credit agencies ' never informed me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency may include certain adverse information in a consumer report, unless authorized under subsection ( b ), and such information can not extend beyond a seven-year timeframe. The inclusion of this account as an adverse item without my consent is a violation of the law.

Moreover, in accordance with 15 U.S. Code 1681s2 ( a ) ( 1 ), it is prohibited to furnish any information regarding a consumer to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. Additionally, 15 U.S. Code 1681e mandates that every consumer reporting agency must establish reasonable procedures to prevent breaches of section 1681c and restrict the provision of consumer reports to purposes listed under section 1681b. 

Regrettably, Equifax, XXXX, and XXXX are not adhering to these reasonable procedures. Lastly, in line with 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any given time. I hereby exercise this right and opt out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: WELLS FARGO & COMPANY
State: FL
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/ my ( XXXX ) WELLS FARGO debt card was stolen from my wallet and used at a various stores I lost XXXX and a lot of fraudulent unauthorized charges are on my statement, I filed claims ( # XXXX ) and ( # XXXX ) I was told by Wells Fargo the money would be returned to my account in 10 days. Wells Fargo refuse to help me get my funds back. They sent me a They sent me a new debit card. Thats the only action that was took. Wells Fargo close and denied my claim XXXX XXXX. Im writing to you again because I am crying for help. please! Help me! XXXX is a large amount of money to me! I make {$10.00} an hour and I can't afford to lose this much! 
Please refund the money that was stolen from my account. You can contact me at 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
Consumer complaint received 2021-03-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Electric bill XXXX From XXXX  XXXX account number XXXX Never lived at address

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 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
XX/XX/2023 Charged 2 XXXX XXXX airline tickets on newly opened Bank of America XXXX XXXX XXXX master card credit card {$2100.00} Bank thought it was fraud, so on their own, they canceled the tickets with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 
BofA claim number XXXX Later, BofA changes their mind, says the charge is valid, and wont reverse. XXXX XXXX says they were never paid and won't reverse the charge or issue a credit... 
So now, I paid {$2200.00}, have no airline tickets, no flying credit, and BOfA wont reverse charges, and XXXX XXXX claims they were never paid for booking reference XXXX... 
Please help, they wont

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 2022-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Sunday, XX/XX/XXXX XXXX MT I received an email about a Capital One 360 Checking account being open. I then received XXXX follow up emails about contact information getting changed. The next morning I received a text message about this phone number getting added to the account as well. 

I called Capital One 's fraud department on Monday, XX/XX/XXXX and they reported that indeed an account was opened in my name and closed it. Proceeded to check all three credit reports ( XXXXXXXX XXXX XXXXXXXX ) and saw no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 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 30days 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2023-04-02
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: Account status incorrect

Complaint:
XXXX information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 3015 U.S. Code 1692e - False or misleading representations ) days of the completion of your re-investigation.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Claim # XXXX Date : XX/XX/XXXX Payment amount : {$660.00} check number : XXXX To : XXXX XXXX XXXX XXXX XXXX Payment amount : {$840.00} check number : XXXX To : XXXX XXXX XXXX Total : {$1500.00} XXXX, XXXX XXXX XXXX, holder of checking account number XXXX at Chase Bank, am the owner of an XXXX  company in XXXX, and that is why I made 2 payments for invoices referring to films distributed by my company in XXXX, one was to XXXX XXXX and the other to XXXX XXXX. I made these payments through my personal account, as I don't have a business account here in USA. 

On XX/XX/XXXX I made these 2 payments by ACH at Chase online bank, and payments were sent by XXXX ACH checks. In the end of XXXX I asked if they received the amounts and both XXXX and XXXX claim they have not received. I opened this claim on XX/XX/XXXX, and since then I have sent the requested forms by fax through the Chase branch near my home, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but every time I called them to confirm, I was informed that they didn't receive it. 

Them in XX/XX/XXXX, I sent by mail all the documentation I had regarding the XXXX payments. The track number is XXXX. 

I've sent them : - Copy of both checks, which does not show the recipient of the amount, note that XXXX does not even have a XXXX XXXX account. 
- Copy of the e-mail, where the recipients claim not to have received the checks.

- Copy of the Wire Transfers, which I had to make the payment again.

- Copy of invoices. 

I followed the tracking and after seeing that the documentation arrived there, I called to confirm. Chase said it received it and would review and send a response. 

On XX/XX/XXXX I receive a letter saying that they could not recover my funds and that they were closing my claim again. 

I kindly ask you to review the case with the Chase, with all the evidence sent. If it was these companies that deposited the checks, I want proof that really proves it, so that I can recover the amount I overpaid. In the proof of payment provided on the Chase website, it is not clear and does not even mention the name of the account holder from whom these amounts were received. 

All I am asking is a clarification, and if the check takers weren't who they were meant to be, I want my money back. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked Transunion for a validation of the creditor, I have requested for all paperwork from the original creditor to be sent to me. Section 609 states that I have a right to ask for this information that was received by the bureau Transunion has yet to send me this 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 2023-01-11
Company: JPMORGAN CHASE & CO.
State: TX
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/2022 my girlfriend and I were in the parking lot of a food truck when we were approached by XXXX people armed masked gunman. The XXXX had hoodies to cover their head and mask, this instantly made me fear for our lives. The XXXX approached the car and immediately told us not to move or say anything or they would shoot. After that they took all of our belongings ... our wallets. her purse. my backpack and our phones. at the time we were so afraid that we were completely unaware or why they were moving our phones around our faces but that was the furthest thing from our minds. we were just trying to make it home safely. I later discovered an unauthorized transaction on my account on the amount of XXXX $ USD. I contacted Chase Bank about the unauthorized transaction and they ask me to explain what happen. I explain the situation and they made the claim and told me they would have a decision on my case in a few days. A few days past I didnt receive a call or notification. I contacted chase again only to find out my case was denied. I asked for a reason and they told me because it was threw Face ID and they couldnt prove it. They asked me to prove it was unauthorized. I asked what could I do to prove the incident they asked me for supporting files to prove my case. I asked them would a police report helped, they said yes they dont deny police reports normally when are faxed in to them. So I faxed the police report. I also faxed an online police to make sure. I called back and let them know the documents where on the way, and was there anything else I could do to make this process faster or more convenient for us both. They replied no and said we will wait on the documents to reopen your case. So I wait another week call back and they still have received the documents.they told me it would only take XXXX hours. I wait and call back in XXXX more days and they still havent received them yet. I asked to speak to a manager an they pretty much tell me the documents want help. they dont know why they even told you to waste my time and send them we hand we. I call back the next day and the new representative tell me the documents will help. I repeat this process for weeks. So I go into the branch to send them and the branch had to send the documents 3 times before they received them. Only for Chase tell me XXXX  days later, after the holidays that my case was denied again and theres nothing I can do about it. I have talked to XXXX different managers and this has been going on over a months and a half. I been to the branch and call them XXXX plus times. I need yours help to resolve this case XXXX $ is a lot of money that I dont have to waste please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXXXXXX XXXX {$270.00} XXXX XXXX XXXX {$500.00} XXXX XXXXXXXX XXXX  XXXX XXXX {$50.00} XXXX XXXXXXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX {$11000.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX {$75.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$980.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2019-03-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3XXXXXXXX XXXX  4.XXXX XXXX XXXX XXXX 5.XXXX of XXXXa 6. XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXXXXXX 9.XXXX XXXX XXXX XXXX 10.XXXX XXXX XXXX   11.XXXX  XXXX 12.XXXX XXXX XXXX 13.XXXXi 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 non-monetary relief
Consumer complaint received 2023-09-25
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief