BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
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. The list of accounts below 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 # 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 XXXXXXXX has violated my rights . 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: FREEDOM FINANCIAL NETWORK
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Freedom Debt Relief has taken out several thousands of dollars out of my deposit account for there " service fees '' prior to settling multiple accounts. I have moved my business to another debt relief company. I have tried multiple times to get the fees back for the settlements that they didn't fully settle but they think they have a right to the monies. They did fully settle one settlement but for two others they took out the fees upfront. I am looking at close to {$2000.00} in reimbursement from them and any other attorney fees. Also some compensation for losing time off work, effecting my emotional state another {$1500.00}. Total for {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX from someone stating they were from XXXX XXXX XXXX and stated I owed a debt to PayPal. I asked the representative for more information and was told they represented XXXX XXXX XXXX. They then attempted to convince me that they allegedly sent a letter to a residence I haven't lived in since XX/XX/XXXX and that I was in danger of having the debt on my credit report if I didn't pay immediately. I do not owe PayPal. My PayPal balance shows XXXX. I believe this to be a scam.

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 2023-02-12
Company: Experian Information Solutions Inc.
State: MO
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: Problem with personal statement of dispute

Complaint:
I have been leasing my car since XX/XX/XXXX. My car is a XXXX XXXX XXXX, I pay {$640.00} month. I am a senior citizen ; I have a XXXX degree which I earned while working full time and graduated in XXXX. I want to buy my car. I have been told since my credit score is not high enough, I would have to pay XXXX dollars more in order to get financing to pay for my car. I have paid off a considerable amount of debt. I did get behind on car payments and other debt. I have paid off most of my debt except for school loans. I am current on my car payment and orther credit and have been for many months now. I am more than a credit score. I have worked hard all of my life and I feel I am being discriminated against because of a credit score that is in the high five hundred range. Something must be done about economic discrimination that has not adjusted to the fact that in XXXX there was an pandemic coronavirus that has greatly impacted individual consumers and families. Why should one have to pay more because their credit score is XXXX? I am underemployed in that for years I have sought an employment position that incorporates my advance education status and significant and accomplished career history. What can be done about credit scoring that has not adjusted to the reality of our economy? What can be done about economic discrimination and exclusion? 
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
Consumer complaint received 2021-10-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been nearly 60 days, and as of today I still have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

Again, it has been nearly 60 days, so I demand they be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and hindrance this has placed on my daily livelihood. My information was likely impacted by the Equifax data breach and may have gotten into the hands of the wrong person ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: ACIMA CREDIT, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: PA
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 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 an account without my written instructions.

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 2021-10-18
Company: Experian Information Solutions 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:
XXXX  XXXX XXXX is reporting to Experian an late payment in XX/XX/2021. This mortgage was paid off in full on XX/XX/2021 so the payment could not have been late. I sent verification of payoff to Experian, yet they reported that XXXX declared the info correct. I just need to know how to fix this black mark on my record. Both of the other credit reporting bureaus report no late payments.

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 2023-08-14
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:
REVIEW THE LETTER I SENT REGARDING THE INQUIRIES AND CHARGEOFF ACCOUNT. I'VE BEEN SENDING YOU MULTIPLE LETTERS AND YOU SAID YOU DIDN'T RECEIVED IT OR THERE WAS AN ERROR ON MY FTC OR MY DOCUMENT IS BLURRY. STOP MAKING EXCUSES. WHEN I SENT YOU DOCUMENTS WITH LETTERS AND FTC I MAKE SURE IT IS CLEAR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: AZ
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:
on XX/XX/XXXX a letter requesting the process used to investigate items on my credit that equifax deemed verified was sent to them but i have yet to receive any kind of response to the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My XXXX XXXX XXXX wife, trusted the statements and did not review the credit card statements. 
She has experience memory problems, which resulted that I review her credit card statement from the Bank of America. I found that she was paying a freud company at least three times a month for significant money. I researched that company and it was recognized by XXXX as XXXX, I went back two years and the money she paid was significant. I also found another freud with another company going back three years. 
The total claimed added to XXXX. Many calls to the Bank of America accepted the complaints, and said that they needed to review the complaints.We kept calling and was told that they would resubmit the claim We finally received a check for XXXX dated XX/XX/2023. We requested that they resubmit our claim, and received a letter dated XX/XX/2023 stating that they were unable to approve your recent claim. 

We feel that Bank of America is taking advantage of an XXXX XXXX XXXX lady with memory issues. The claim number is XXXX, and the claiment is XXXX XXXX XXXX. 
Thank you for your help. 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 2021-10-16
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:
XX/XX/2021 I sent dispute letters to Equifax and XXXX about a bankruptcy listed on my personal credit report with several errors. They both came back as verified and accurate so I sent the information to the Bankruptcy court to get the issues fixed. However I was given a letter directly from the court staying they do not give any information for credit agencies good or bad. They do not report to any Credit agencies. So this means this information wasn't verified like they said it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Banked with wells fargo. Money was taken from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: SC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Source Receivables Management LLC
State: IN
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:
This company was unable to provide proof of documentation between myself and their company. I do not know them nor do I owe them any money. My rights have been violated under FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have two situations. 

The first situation, every time I have a credit, it is never reflected in the balance. It is almost like the credit is either backdated or the debit is applied twice. Today, XX/XX/22, I disputed a charge with a merchant. The issued a credit for {$58.00}, it was reflected in the ledger but not in my balance. This has happened several times, and I am just noticing that Navy Federal is back dating credits so that they do not actually get applied. THIS IS THEFT!!! 

Second, I called XX/XX/22 in regards to disputing a recurring charge. I was told that I would have to cancel the card, at which I could not do because I have pending things scheduled ( that affect my children 's lives literally ) & if the payment does not process, it will cancel out completely and it was too late to update with a new card ( they require 5 days notice, it is 3 days before the debit date ). I advised I could call back after the payment processed so it would not be in jeopardy. The institution took it upon themselves to cancel my card & did not even initiate a dispute to recoup my funds. The supervisor, XXXX who did this, responded to me saying this is going to impact my kids, & literally begging & crying to not do this until after that payment, by telling me " oh well its cancelled now. You don't have a say. '' So if my kids end up hospitalized, or even worse, I will sue this company and individual. 

This entire bank should be shut down based on the multiple complaints of them baiting & switching and stealing people 's money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: DE
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 2023-01-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I opened Checking and Savings accounts with Chase. I attempted to transfer {$2000.00} to the accounts to meet their minimum balance requirements to avoid paying fees. Both account were soon closed. I went into a branch to ask why, but the banker told me he could not give me any information, just that, " at this time Chase has chosen not to do business with you ''. 

On XX/XX/XXXX, I saw that Chase was doing a promotion where you will receive {$200.00} if you open an account and receive a direct deposit within 90 days. I decided to apply for a Checking account with Chase again. I received a message saying " we can not open account for you at this time with the information you have provided. '' On XX/XX/XXXX I went into a branch to ask for help. The banker called the " back office '' to figure out why my accounts were closed. The banker told me that it was because the account I had initiated a transfer from was not in my name. My bank account was opened when I was a child, and was a joint account with my mother. I emailed the banker a statement showing my name on the account, and I was able to open new Checking and Savings accounts with Chase. 

On XX/XX/XXXX I transferred {$300.00} into the Savings account to meet its minimum balance requirement without fees. 

On XX/XX/XXXX I tried to log into Chase 's mobile app to set up direct deposit to my Checking account, but I received a message saying my account was suspended. I called the banker I spoke with on XX/XX/XXXX for help. He called the " back office ''. The banker told me the checking account was being closed, but my restriction had been lifted and I could now sign in again. He recommended I try to open a checking account again. 

On XX/XX/XXXX, I opened a new Checking account. 

On XX/XX/XXXX, I tried to log into Chase 's mobile app but I received another message saying my account is suspended. 

On XX/XX/XXXX, I called the banker to ask why my account was locked. He told me he did not know, and to call the number ( XXXX ) XXXX. After staying on the line for 43 minutes, I was told they do not know why my account was locked. The rep lifted the restriction, but told me that my checking account would close and to open a new one. I said I have gone through this process, and asked what guarantee I have that the account won't be closed again in a few days. The rep said they can not say.

Company response to consumer: Closed with explanation