BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
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:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi dir sir Im XXXX XXXX I dont know what this soing mee I think it not mee sum thighs wrong I dont know about this what this I dont know about ant cand off debt recovery genesis

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 the bank closed my checking account with no notice to me and refused to refund my money stating I would receive it via a check. It took numerous calls to the bank to figure out what happened, as none of the reps was apprised of the reason. Finally a sarcastic female told me that I made too many disputes and the bank reserves the right to terminate anyone 's account without notice at their discretion. 2 days later I went to a branch in person and told them that I would report them for violating my human rights, my civil rights, and my XXXX rights under the ADA. I have been with the bank for decades. Before becoming poverty stricken when I was very comfortable, and then again after I was able to get on my feet after fleeing domestic XXXX, homelessness, and was receiving ssi for XX/XX/XXXX injuries. What has happened is that since XX/XX/2021 I have been a victim of identity theft and have had a lot of trouble with the perpetrators violating my checking account as well as my computers, cell phones, and printer. The XXXX Police Department has repeatedly refused to make a report or to investigate. They respond by telling me to see my doctor. I have a very limited income, but the criminals would make double payments to creditors, utility providers, and the like, which I would have to dispute or else overdrawn. Despite canceling debit cards and getting new ones, checking accounts and the like, nothing worked. I also made disputes for services not received or defective merchandise such as vape pods in XXXX that were XXXX market quality despite name brand prices ( which a vape dealer advised me of ). Not only has my life been XXXX since this, but my service animals were poisoned by a landlord costing me {$13000.00}, and my beloved friend passed in XX/XX/2021. The remaining animal had been ill since. I too have been have been deathly ill from toxins in apartments rented through a housing subsidy program. I need to be relocated from my present apartment due to extensive mold ( 3rd apartment ), causing serious illness now, and potential XXXX that will be determined by biopsy soon. I have lost my renter 's insurance because the bank closed my account, which leaves me forced to stay in a toxic environment and also causes risk of homelessness because my building requires all tenants to carry renter 's insurance. I also had a XXXX XXXX on XXXX XXXX, and have other serious health issues. I have no one to help me whatsoever. I reported the identity theft to the bank several times and asked for their help but they could do nothing so they said. I feel that I deserved notice so that I could make other arrangements at least. I am already a marginalized elderly XXXX female, sick, and risk homelessness at this time. The bank 's website declares it is a huge human rights advocate. This I feel is hypocritical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: NE
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 have connected with this company and the bureaus multiple times to have myself removed as an authorized user, and it has not been done by the credit card company or the bureaus. I have requested proof that I am a co-signer on the account and have been told I am not, I am simply an authorized user. Copies of any agreement that list me as a co-signer would be falsified as I did not agree to those terms, and they have stated I am not responsible for the debt. Yet they will not remove me. If I am not responsible, why continue to report on my credit unless with malicious intent. I have disputed with the bureaus no less than 4 times between XXXX. Most recently on XX/XX/2023. It is tearing down my credit and I am not legally responsible for this debt. Not to mention their own terms & conditions state that an authorized user may be terminated or removed simply by saying so in writing. That has been done as recently as XX/XX/2023 and it has not been granted. 

This company has been in litigation before for malicious and unlawful practices and I fear without consequences, they will continue to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to fix this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. 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 XXXX 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 help those who are victims of identity-theft. I request that an extended 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.

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 2023-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17
Company: EQUIFAX, INC.
State: MI
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( 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 non-monetary relief
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-07
Company: Experian Information Solutions 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:
Thank you for taking the time to address the misleading information on my credit file. While I appreciate your efforts, I am not entirely satisfied that the guidelines of the Fair Credit Reporting Act have been fully met during your examination. I believe that further action is necessary to ensure the highest level of accuracy on my credit file. Therefore, I kindly request that you conduct another investigation into the account listed below : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - I am reaching out to request confirmation of the payment history and status of this account. Based on my own payment records, I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.

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 2023-08-25
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Mohela has informed me that I have met the requirements for the XXXX program and should be forgiven for my school loans. I met this requirement in XXXXXXXX XXXX XXXX and have submitted the necessary paperwork. I have waited beyond the 90 day business day period. Many borrowers that have applied well after me have received forgiveness. Mohela has explained that I did meet the requirements and they are waiting on the Department of Education, however nothing has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. AMEX inquiry dated XXXX .Please remove these inaccurate inquiries off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, I checked my account to ensure that money I was expecting cleared. I noticed that the amount in my Chase checking account was not what it should have been and upon further gland, I noticed that money -- {$5500.00} was unauthorized and taken out of my Chase checking account without my knowledge by an XXXX XXXX account. I immediately called my bank to inform them of what occurred and I filed a claim on XX/XX/XXXX. I went into the bank the same day and informed the bank personnel of what occurred and they restricted both my checking and savings account and opened new ones for me. They informed me that I should come back within a week to ensure that everything was going well to receive documents requesting additional information from me in order to process the claim. I went back to the bank on XX/XX/XXXX as I did not receive the paper work and the personnel told me to give the documents an additional 3-4 days to arrive. They also linked my card to my new account as I was having issues making transactions. 

On XX/XX/2021, I received a notice letter from the bank stating they were not going to honor my claim due me having done pervious transactions the merchant who withdrew the money and not disputing those previous claims. They were referring to deposits made to my checking account in the amounts of XXXX cents and XXXX cents made by XXXX XXXX on XX/XX/XXXX. I did not notice or realize these transactions until XX/XX/XXXX. I have never had financial transactions with XXXX XXXX. XXXX has told me to take this issue up with the merchant, XXXX XXXX however in speaking with them and providing sensitive and confidential information, they do not have a profile for me as I have never done business with them. I have now consulted counsel who told me to go down to one of the Chase branches and have a meeting with a manager who needs to provide me with information the investigation and who as well as where the money went to based on the transaction that they authorized. Counsel also guided me to file this complaint with the FTC. I am hoping to get some type of resolution in this matter as it is very hard to work for money, make plans to spend it on imperative and pressing matters, only to then have it taken from you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had a checking account at Navy Federal. While traveling to XXXX XXXX and a few times in town in XXXX XXXX, I had fraudulent charges that used my bank debit card. On XXXX XXXX charges made with XXXX for a messed up reservation for XXXX were made and cancelled by both myself and XXXX XXXX however, the bank charged me. Also, this happened at XXXX XXXX so frequently I quit using my debit card. There had been fraud with clergy. They reported a strange name used my identity but no charges were taken and I did not get the report from a year ago. This now is happening again. XXXX XXXX XXXX  for {$38.00}. Was charged on my card from a XXXX local gas station but I did not visit that shop. It was not removed. I need forensic accounting to know the real cause of my XXXX year problem with the XXXX banks but presently just Navy Federal Credit Union is involved. My account is on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate. It is a military account with a military widows pension. Also, last year a charge card at XXXX was ran up to {$4500.00} I did not use this card. There were repeating fraudulent debits occurring between XXXX joints accounts that started the electronic crimes in my accounts. The loss is upwards sixty grand now. Can you run forensic accounting on these XXXX small charges and give me the knowledge I need to stop the electronic criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: CO
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies XXXX, Equifax, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation