BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: PA
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/XXXX, I sent via certified mail copies of debt validation/verification letters to equifax that I sent to XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX They received these copies on or about XX/XX/XXXX. On or about XX/XX/XXXX, I sent the same letters along with a copy of new letters to Equifax telling them that XXXX  XXXX XXXX XXXX, XXXX and XXXX XXXX failed to respond to my debt validation/verification letters, violated FCRA and FDCPA and asked for the debt to be removed from my credit report. XXXX has failed to remove the debt. 
By law, if a company does not validate/verify the debt with me, it must be removed from credit report because to have it on there shows they are trying to collect a debt that they can not validate/verify. I was XXXX  since XXXX due to these companies causing severe injury to my credit score and they can not even validate/verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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 this complaint to update this suspicious information. Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I went to the XXXX to purchase some food. I transfer the last balance from XXXX to XXXX XXXX the amount {$28.00} and it that it alway problem with collect of counting funds with both banks to keep from have money available they make yo make as I would not have enough to purchase food. So I started with closing Chase continued have problems with disputes and investigate of disputes and close the account and when I go to Bank the unable to print statements and after review my account it will lock me out my account more then once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$54000.00} XXXX XXXX Balance : {$19000.00}

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 2023-03-24
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had rented items from this store/ loan company. I returned the merchandise and they still put it on my credit saying I owe over XXXX $ I was told even though I returned merchandise I still had to pay for it. I believe that is against the law. How would pay for something that I don't have. I would like this removed from they system and my credit. I logged in there account and still showing I owe over XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: BARCLAYS BANK DELAWARE
State: MA
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:
On XX/XX/XXXX XX/XX/2018 a seller that has an online website only called XXXX had emailed me through her email which is listed on that site under XXXX that she had already refunded my money or XXXX. 
Barclays and XXXX will not help in this matter even though they see the email from the seller. Its now XX/XX/XXXX and both Barclays and XXXX know I didnt receive anything and are still stalling but Barclays admits they tried for two weeks to contact the seller. XXXX said Barclays should be handling it. 
Both institutions have proof from the seller that she would credit -they both wont credit. Office of the president at Barclays with a XXXX XXXX is useless wont send correspondence via my residence I assume Bc she doesnt want anything in writing and will tape my calls but wont allow her calls to be taped which I find off. 
They allow a fraudulent seller to get away with this and keep dragging it out. They wont even respond to the bbb case was done last month number XXXX for Barclays. XXXX wont Respond Bc that means in writing to my residence or a taped call both ways which she wont do. So because of this they wont credit the XXXX when they have proof from The seller that she was going to refund and never did.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I sent XXXX XXXX to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government. 

The following items are attached - Original letter sent to XXXX advising of violation of XXXX re : utilization - Response from XXXX - Original XXXX Certified Mail Receipt

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 2022-11-24
Company: EQUIFAX, INC.
State: NC
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 am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below accounts they are reporting. 
I previously requested they provide original contracts for the items that I previously disputed I have reason to believe they did not investigate properly and also have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2022, I received communication from PayPal accusing me of violating PayPal 's Acceptable Use Policy and subsequently permanently blocking me from doing business with PayPal. 

After a thorough review of PayPal 's most up-to-date version of the Acceptable Use Policy, I unequivocally denounce any wrongdoing or violations of this policy. 

I have never disputed a transaction, never chargedback a PayPal transaction with any of my banks, none of that. 

PayPal does not provide any method of appealing the decision ( which was likely an automated decision to begin with ). Many online merchants only offer PayPal as a payment method, so PayPal 's misguided decision to cease business with myself creates a problem that is beyond the scope of directly transacting with PayPal itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


US DEPT OF ED/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-05-31
Company: EQUIFAX, INC.
State: OH
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:
Upon checking my Equifax credit report I noticed some fraudulent inquiries and according to the ( FCRA ) these inquiries are an authorized and verifiable and must be removed from my credit report XXXX/XXXX  XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX- XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: NC
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 write this complaint to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information in my credit report. The credit bureaus ( XXXX, Equifax, and XXXX ), entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services. Let it be known that I will not rest until justice is served until the credit bureaus are held accountable for their transgressions. My voice shall not falter, for I stand united with countless others who have suffered at the hands of their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Chime Financial Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
So what happened I signed up for chime credit builder it said no interest rates or fees or monthly payments and I went To go look at my pay Check and it was short I contacted my manager and him and he checked and said they sent me more Than that I looked at my credit builder and said it thank you for the payment of XXXX and I didnt agree to pay it I contacted them twice back in XXXX and they said Ill get the money back in check form on XX/XX/XXXX and I called them again a week later and they said Ill get it XX/XX/XXXX which is today and I didnt get the money I contacted multiple people that I know who has chime and they told me theyve never had to pay XXXX for credit builder or any amount of money and I closed my account and before that they tried to take the money from me again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Experian Information Solutions Inc.
State: GA
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and there is an account that don't have a name but the acct number is XXXX. I am doing this on my own.

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 2018-05-08
Company: Credit Systems of the Fox Valley, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
where and what are all these charges from the same day? looks like fraud and they can charge any ones account anything at anytime? the followinf data was collected from my credit report. The company is Credit Systems of the Fox Valley aka CR SYS FOX. website is http : //www.csfv.net/. No one from this company ever tried to contact me. 

Creditor Name Balance Balance Date Monthly Payment Term XXXX XXXX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 CR SYS FOX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
CityBank has issue account ending in XXXX for credit card and and multiple accounts using my information, I don't have access to these accounts no even banks statements, automatic payments continue to be issue to this credit card from other bank institutions and I still don't have access or get bank statements. Since XX/XX/2022 I have been visiting many locations, calling to ask about these accounts and they always hang up on me not giving me telling me that they can't not even bank main address or their representative ID. it has been months since I have reported the issue to CityBank and not resolution, they also closed another account where all funds and statements even bank account number went missing 8 months ago.

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 2023-05-16
Company: EQUIFAX, INC.
State: TX
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:
Equifax, please explain how you are reporting the account XXXX XXXX XXXX as accurate when XXXX does not report this account and XXXX isn't reporting any payment history. You have 7 late payments, but when I contacted the creditor, they gave me different information. If you can not provide how you are reporting this account per FCRA then please remove the late payments and update this account to closed with no lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to Credence Resource Manage because i noticed it was a charge on my credit I have no clue who these people are I asked for a list of documents .contract with my name and signature .full payment history .Name/Address of original creditor .Proof of ownership of debt I was told they don't have ownership they was collecting for someone else without sending me a notice or verifying proper documentation the supervisor verbally said they don't have ownership of this and the information was never sent out properly so I asked for it to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I make advance payments on my auto loan every two months. Every month, I get a collection call from Chase Auto Loans saying that I haven't made my payment. I say that I paid for two months, and they say that the second payment was applied towards the principal, and I am still late. After complaining, they tell me that they will fix it. Then they call a week later and tell me my payment is late. They then threaten my credit and try to levy a late fee even though I am actually a month ahead in payments. I have been given multiple excuses for the reasons for this, and been repeatedly assured that it wont happen again. Then the cycle starts again. 
When I finally got tired of it, and wasn't given access to a manager, I requested information about filing a complaint with the Federal Reserve. They refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
- In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # 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 - In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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