BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: MS
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, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: MS
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, these purported creditors have violated my right. Under 15 USC 1681, section 602 my right to privacy is insured.

Also under 15 USC 1681, section 604 A, subsection 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

I demand all unauthorized recordings on my credit record to be removed immediately. I did not give written consent or instructions to do include these recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Back on XX/XX/XXXX I sent all the bureaus supporting documents in regards to accounts being fraud and not belonging to me due to identity theft/fraud. I am a victim of this and the bureaus have still kept an account that does not belong to me on my files. It needs to be removed asap. Also there is a capital one account that has me listed as a n authorized user. When I called the company to remove me they said they had done so but it is still showing up. it needs to be removed. I did not authorize these companies to furnish this information at all Per 15 usc 1681b. The account in question is the XXXX XXXX card. and capital one card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: BARCLAYS BANK DELAWARE
State: MO
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:
Re : Barclay 's XXXX XXXXXXXX XX/XX/2022 I purchased a week of XXXX XXXX XXXX for my son for {$95.00}. 
XX/XX/2022 Per XXXX  policy, I sent notice of cancelation within guidelines. 
XX/XX/2022 XXXX stated they would refund. 
Refund not on account. I called Barclay 's to dispute. They removed the charge to research. 
XX/XX/2022 2 charges of {$95.00} for a total of {$190.00} from XXXX XXXX were billed back to my account. XXXX said they don't have any re-bills. Barclay 's won't remove charges that are now double. I have XXXX conversation in writing. Barclay 's claims they do not have email to forward conversation. No one is stepping up to fix and now I am at risk of credit score dropping if I don't pay a double charge that should have been refunded 6 months ago. I have called Barclay 's multiple times and they run around in circles. Help!

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: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a natural person, I am a living human being, I have rights under the 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights.

I demand that the inquiries listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax to furnish these inquiries. 

Below are the attachments of following inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keeps calling for different people. Ive told them they have the wrong number. They continue to call and harass me. Questioning me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back around XXXX I refinance my mortgage. Besides looking for a lower rate, i wanted to get away from my current lender Lakeview. I feel they are shady. My first payment due with XXXX XXXX  was XXXX. I made my first payment of {$3000.00} on or around XX/XX/XXXX. This payment would be for XXXX A week or two later i was notified that my loan with XXXX XXXX was taken over by Lakeview , I received a statement from Lakeview , made a {$3000.00} payment in XXXX around the last week of XXXX, which that would be for XXXX. I noticed the statement did not show my first payment made. I reached out to XXXX XXXX, they informed me once the loan transfer was completed Lakeview would up date their records. On XX/XX/XXXX around XXXX XXXX, i believe her name was XXXX , from Lake view said she did not see the first payment made in XXXX with XXXX XXXX and was notifying another department and i was to call back around the XXXX of XXXX. I asked her ; if they would notify me directly and she said she was not sure, i should reach back out. Really, so unprofessional. XX/XX/XXXX, XXXX, I believe the persons name was XXXX was not helpful at all. She said my next payment was due for XXXX, did not see a documentation of my pervious call etc.. Last week of XXXX, i made another payment of {$3000.00} and to date my statements are incorrect. 1 ) i should be a month ahead, 2 ) should reflect 4 payment received 3 ) i told them twice, i am unable to log in to the site to see my account. I was told my tech dept i needed to wait for an email approval. Guess what, its be two months no email. 
Last week i received a statement my acct is short- {$18.00}, there fore my payments are going up. not even the option to pay the difference to keep my present payment. If someone pays the difference, their payments should not increase. This is a constant issue i have with LakeView in the past. 

I want to know where my first payment is. This loan company is so shady someone really needs to look in to this deeply. From their Customer Service to their Tech Dept. no one knows what they are doing. 

I do not have a scanner at the moment but if you require copies of my statements, please let me know and i will provide

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 2020-02-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Difficulty in communication with credit reporting agencies by telephone or online.

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 2021-10-09
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
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/2021 I received the message from the First National Bank to call the fraud alert department. First of all, I do not have the telephone not do I have a bank account with the bank. I would like to hire is it that illegal transaction can be made and I get a message to call the back fraud department. When I called the XXXX number and spoke to the customer service representative by the name of XXXX she gave me the card number ending in XXXX and was told that it was not in my name. I would like to know the name of the person that did this transaction I would like for charges to be brought against the person that used my number to claim I'm defrauding tax payers of their money. I need to send a message not to defame or slander someone's reputation for their own monetary gains. Let me pick up pennies from the street and call me a bum instead... One of those pennies will bring me my gainful reward not as this person that used my telephone wants to do for herself ... What ever she is hiding we all need to know. We need accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX I was mailed paperwork from equifax and which they violated several of my fcra rights and privacy rights. They are reporting high balances on several of my accounts which is against the law and violates me as a consumer. They were asked to update the information not investigate there was nothing to investigate because reporting recent and high balances on my credit report without my consent is a violation of privacy and has ruined my reputation to apply for other products. This is an invasion of my privacy according to FTC. Equifax is not complying with Privacy Act of Consumer Information Rule of the Gramm Leach Bliley Act. There is no law that states bureaus report high balances and transactions which if the bureaus furnished that information on my consumer report that is indeed an invasion of my privacy. Furthermore more they claim they updated my information which they didnt which is a violation of FCRA and other violations of the law as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Good afternoon, I was able to verify some incorrect information on my credit report, I tried to get in touch with the different credit Bureaus, the main issue here its that they never answered, I followed the recommendations and tried to reach them several times. As I understand they are supposed to answer me within 30 days.

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 2023-12-11
Company: Grain Technology, Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed attached in document

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first contacted XXXX XXXX company regarding my move and asked if they could turn off Gas at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX as I moved out XX/XX/XXXX. The company responded that they could not do anything as there was human life in the house, that the current residents had to call and switch the gas bill to their name. I was under the impression that the current residents had did such thing because I did not receive any notice of payment needed. XX/XX/XXXX I received a report on my credit report. I called the company stating that I did not stay at XXXX XXXX XXXX XXXX, XXXX, PA XXXX during the time from XX/XX/XXXX to XX/XX/XXXX. I also stated that I called asked for them to take the gas out of my name and they refused to do so as it was human life in the resident. I do not feel liable for any expenses accrued after XX/XX/XXXX as I no longer stayed at the property past that time and also informed them the company that I no longer resided at the address XXXX XXXX XXXX XXXX, XXXX, PA XXXX please remove all credit and financial obligations as I did not reside and informed them that I did not live at the property.

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 2023-11-28
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My accounts and my children 's accounts were closed for no apparent reason. They told us that they will send us a letter explaining what would happen next. It's been 3 weeks and they are still holding on to our money and we have received no letter or email regarding our money and accounts.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The account with XXXX XXXX XXXX opened XX/XX/XXXX reflects as a closed account how can the account be closed and written off and past due as of XX/XX/XXXX this information is inaccurate and incomplete and is affecting my rights as FCRA LAWS and I want this account removed from my credit report the law states all information on my report should so accurate and complete this account was closed XX/XX/XXXX a closed account can not reflect a past due balance this makes this account incomplete and inaccurate please remove this from my credit per my FCRA rights this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off not attempt to collect a debt this information is incomplete and 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 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This has been a very long, painful process of trying to obtain numerous credit freezes on my credit reports, only to find out that the information that is listed on them, with all bureaus, is very inaccurate. I've never known who to talk to, especially when I tried years ago to reach out to the credit bureau and wasn't heard. There are addresses, companies, names, phone numbers, etc. That I don't know anything about and it's negatively impacting my credit scores across all the bureaus. I'm unable to get anything in my name. Recently, approximately last week, I tried renting a rental car with XXXX. Much to my surprise, I couldn't because once again I was told that my credit score was too low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2021-11-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX agency was contacted about a {$590.00} medical debt that was explained that the debt was not true. It was expressed and explained that debt was covered by Insurance and therefore was not a debt to be collected nor was it accepted as my personal debt. Company never verified and did not comply.

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 2021-10-11
Company: Affirm Holdings, Inc
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/2021, I used Affirm, in conjunction with XXXX XXXX XXXX, to finance {$1000.00} at 0 % interest for 12 months. I have an autopayment setup for {$88.00} that occurs on the XXXX of every month. Affirm says they did not receive the payment on XX/XX/2021. I have sent them the image from my bank portal showing the XX/XX/XXXX payment. My bank wrote a letter showing 6 months of payments, including the XX/XX/XXXX payment, on bank letterhead. I can not get a representative from Affirm to speak with me about the issue, nor do I get timely responses to any email, text, or phone call. I do, however, receive regular threats about my credit score and impacts to future loans. I have been denied a loan solely because of this delay. Now the account is showing that XXXX XXXX payment was also not paid, even though they show that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditors Bureau Association Placed a collection on my credit report as of XX/XX/2019 for an amount of {$1100.00} for XXXX XXXX XXXX XXXX which was opened in XX/XX/2019. I have never used this service nor taken by ambulance within this time frame. I have disputed this debt with XXXX XXXX because I believe it is fraudulent debt they are trying to place on my credit report that I do not owe.

Company response to consumer: Closed with non-monetary relief