BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX  XXXX Balance Owed : {$220.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$750.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$3200.00} ; XXXX  ( original creditor : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$830.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$2100.00} ; XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$4300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$830.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NC
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:
n 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NC
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 my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
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:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021, I made a payment in the amount of {$300.00} to my Capitol One credit card. The payment cleared my bank on XX/XX/XXXX. The payment is reflected in my card balance on their website, yet my available credit has not changed. They are telling me it won't be updated until XX/XX/XXXX, and they have stated that this has always been their process. This has not, however, ever been the case with previous payments. I had a transaction denied because of this. Is it legal for them to do this? I have confirmed that my credit card account is still open and my limit has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: IL
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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had my unemployment account hacked from XXXX 2021. The hacker had logged into my account but switched the account numbers, so I never received a XXXX of the {$8000.00}. I have been going back and forth with Bank of America edd and unemployment for the last four months now and my fraud claim just keeps getting denied. I had to file a tax extension because I refuse to pay taxes on the money that I did not receive. I have filed police reports, sent copies of my bank statements, I even got a copy of XXXX credit report showing all of my current open accounts but I still keep getting denied. I need help. I do not know what to do anymore. XXXX XXXX XXXX has been very helpful helping me email XXXX but he is even stumped because he doesnt understand why they keep denying me. I am a broke XXXX XXXX XXXXXXXX XXXX XXXX  who could have really used that money and let alone can not afford to pay taxes on that amount. Please help. I have done everything that XXXX has asked me to do. I keep getting document after document proving that I am not associated with that account number that is still currently on my unemployment profile. However, my fraud claim just keeps getting denied. I have been in contact with XXXX newsrooms office, the attorney general, and senator XXXX. I need help proving my innocence. I have even been back in contact with the officer that I had originally filed my police report with to see if he would be willing to file a search warrant through edd to figure out who had hacked 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 2018-05-02
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would like to submit a complaint against ( Diversified Consultants ) regarding unknown cable account ( s ) XXXX for {$260.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Diversified Consultants ) provided me with any type of notice regarding the account ( s ). ( Diversified Consultants ) never mailed me any letters or communicated with me in any manner  regarding this alleged account ( s ). I mailed ( Diversified Consultants ) a certified, registered and tracked letter via the United Stated Postal Services on XX/XX/2018 requesting validation of the account ( s ) ( Diversified Consultants ) are reporting on my credit report ( s ). ( Diversified Consultants ) has not responded to my letter requesting debt validation with proper debt validation per the FCRA and FDCPA but continue to report the unvalidated/unverified account ( s ) to my credit reports. Therefore, I contacted the original creditor ( s ) XXXX XXXX XXXX listed on my credit report ( s ) that ( Diversified Consultants ) claimed to be collecting for. XXXX XXXX XXXX, the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) for  {$260.00} with their company ( XXXX XXXX XXXX XXXX and nor did they ( XXXX XXXX XXXX ) assign any account ( s ) in my name to ( Diversified Consultants ). These erroneous entries being reported by ( Diversified Consultants ) are detrimental to my overall credit rating and have caused me injury, both financially and emotionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX JP Morgan Chase Bank Dear XXXX XXXX, I hope this message finds you in good health and high spirits. I am writing to you as a previously valued customer of JP Morgan Chase, seeking a fair resolution to a critical matter that has been ongoing despite my previous attempts to address it. 

As a loyal patron of your company for 8 months, I have always held your services in high regard. Unfortunately, I find myself in a situation where my credit report continues to inaccurately reflect my financial history with your company. 

I have previously made attempts to rectify these inaccuracies through a goodwill request, but regrettably, I was met with a denial. I understand that such requests are discretionary, and I respect your company 's policies. However, I believe that a fair resolution is crucial in this situation. 

The discrepancies in my credit report pertain to late payments and a charge off that was paid in full in XXXX. Despite my diligent efforts to meet my financial obligations, these inaccuracies persist, and they are having a detrimental impact on my creditworthiness. 

I kindly request that JP Morgan Chase reevaluate my situation and reconsider the goodwill request. Furthermore, I ask that a thorough investigation be conducted to rectify the inaccurate reporting of both the late payments and the charge off as it reflects XX/XX/XXXX at minimum. It is imperative that my credit report accurately reflects my financial history. 

I trust that JP Morgan Chase values fairness and transparency, and I am confident that a fair resolution can be reached. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Between XX/XX/2020 - XX/XX/2020. Six fraud unauthorized transfers were made, a total of {$7500.00}. I had no idea money was taken due to the fact, I received the card the first week of XXXX of 2020. I contacted bank of America, not immediately. Because, I had no idea that money was taken. I found out when XXXX notified me in XX/XX/2020 by email that I had exhausted all funds.. 
I immediately called XXXX. They told me over the phone I had too contact BOA. I have spent numerous hours and always the same response. Have too wait. 
BANK OF AMERICA HAS BEEN BLAMING XXXX. The representative 's for BOA give me the same response, " Have u contacted your sponsor ''. I HAVE CONTACTED THE XXXX XXXX XXXX AND I HAVE THE ATTACHMENTS. I ALSO HAVE ALL THE ATTACHMENTS FROM BANK OF AMERICA Stating..acct closed acct frozen acct reopen acct denied acct resolved as transaction was legitimate. IF I WANTED ANY TYPE OF COPIES for the evidence that they had THAT IT WOULD BE SUBMITTED TO ME AND I HAVE BEEN WAITING SINCE XX/XX/XXXX AND THEY JUST KEEP ON GIVING ME THE RUNAROUND.

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 2021-05-26
Company: EQUIFAX, 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:
I SENT LETTERS MORE THAN 30 DAYS AGO EXPLAINING THE DIRECT VIOLATION OF REPORTING ON MY CREDIT REPORT. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 has violated my rights. Or a list of inquiries : 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 2021-03-09
Company: CORELOGIC INC
State: MT
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Experian Information Solutions 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:
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report ; 1. XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please Change Payments Status Too Paid as Agreed or OK. 

2. Fraudulent Account Reporting XXXX XXXX, XXXX. 
Account Number : XXXX Please remove it from 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 2022-04-18
Company: First Financial Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A year ago, I found an incomprehensible entry on my credit report that did not belong to me - FST FINANCIA ( Original Creditor : XXXX XXXX ), Account # XXXX. At first, I just called the bureau, explained the situation, said that this record does not belong. Every time they promised me that this entry would be deleted, but nothing happened. And when I called again, they told me that there was nothing on my case. It's just absurd. Then I began to write letters to the bureau in order to investigate this entry, and provide me with the facts that this entry belongs to me or delete it. The bureau never responded to any of my inquiries. Then I found the address of this strange creditor, wrote them letters asking them to confirm my debt and, in general, at least explain where I got this debt from. As a result, a year of struggle with the bureaucratic system, where no one cares about you and your problems. The record is still present in my report, but I still dont know where this debt comes from and for what. I ask you to remove this entry from my credit report.

Company response to consumer: Closed with explanation