BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: FL
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:
To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.

Secondly according to the 15 USC 1681.The law clearly states.

1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.

I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.

15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CITIBANK, N.A.
State: NJ
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:
Citibank is failing to resolve a credit card dispute in regards to a vehicle upgrade on a lemon vehicle. ( Violation of NJ law N.J.S.A. 56:12-29 to 56:12-49 ) A vehicle upgrade was purchased at the time of delivery ( XX/XX/20 ) but shortly after the car was deemed a lemon due to numerous cosmetic and mechanical issues including : - 10+ deep scratches/scuffs below the paint and primer on doors, upper trunk, lower trunk area, and grill - Paint defects across the car including excess paint ( drips ), rough edges, and more - Damage to the front passenger seat - Damage to the passenger headliner - Damage to the windshield and parking shifter - Condensation in passenger B-pillar and displaying errors on screen - Passenger door would not properly shut - Thousands of small scratches across the vehicle on every panel - Severe screen backlight bleed ( Light spots visible on darker screens ) - Loud high-pitch noise when brakes are utilized - Deep sporadic ( suspected heat pump ) vibrations and pulsations - Misaligned vehicle panels including the trunk, door handles, headlights, door trims The car feature upgrade can be remotely turned off by XXXX and refunded but neither XXXX and Citi are properly resolving the issue. In fact, Citibank prematurely ruled on the credit card dispute without evidence or knowledge that the car was a lemon. The car is being returned back to XXXX as a result of the lemon and I am due for a refund for the feature upgrade that was purchased. I have plenty of supporting documents illustrating the dispute.

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 2023-06-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-03-12
Company: JPMORGAN CHASE & CO.
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Veros Credit, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2018 A fraudulent loan was opened by Veros Credit in my name for a vehicle. I have informwd Veros Credit that this loan is a result of identity theft and have sent them identity theft documentation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2019-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019 fraudulent charges were made on my Bank of America credit card. Several different charges and different amounts were made, all of them to XXXX XXXX. Halfway thru the charges being done it was flagged as fraud due to the large amount. I spoke with the company and confirmed it was fraudulent and they took immediate action. Unfortunately this caused further confusion on the account as some charges went thru, some did not, and then on top of it XXXX XXXX refunded some of the charges. It appeared that our account went up approximately {$4000.00} dollars before the claim was handled and credited. On XX/XX/XXXX we received correspondence from the credit card company that the merchant had credited us for {$1900.00} so they were going to reverse the credit they gave us. We then received a second correspondence on XX/XX/XXXX that they had completed their investigation and it was considered closed. On XX/XX/2019 they added {$4300.00} onto our credit card balance stating that they had double credited us in XX/XX/XXXXand added back interest as well as other fees onto our account. Since the claim was already closed how are they able to still claim we were double credited? I could not find evidence that we were double credited and even if we were why are we being punished for their mistake through the fees and interest?

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 2021-03-09
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:
Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. It's almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
These two addresses are reporting on my credit report I never lived here please removed incorrect addresses thank you XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN 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 2021-10-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've sent multiple dispute letters ALL YEAR to the consumer reporting agencies in regards to violating my rights as a consumer. No changes have been made. The consumer reporting agencies are unable to provide validation and/or verification for reporting these accounts. The accounts attached show multiple violations and inaccuracies.

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 2023-06-28
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:
I've found that my credit report has erroneous information for the second time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-27
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In early XX/XX/XXXX, I received a debt collection letter from Credit Management LP stating that I owed a debt to XXXX XXXX in the amount of {$170.00}. The next day I mailed them a debt verification letter through USPS certified mail. In the letter, I informed them that I disputed the debt because I had spoken to XXXX about the inaccurate debt and I was awaiting a response. I informed them that when I had XXXX I closed the account in XX/XX/XXXX. When I closed the account I had a XXXX balance and received a final bill. Almost 2 months later I received another bill that was {$170.00}. I called and a representative named XXXX and then XXXX stated that they didn't know why. I was then told to go into an XXXX store to discuss it with a store rep. I went to the store and asked for copies of the bills to verify the information and was told that they can only show me the last bill and could not print in-store because they were saving paper. The store rep stated that after I closed my account that an adjustment had been made but she didn't know why and that I needed to call back. She also stated that she had ordered all of my past bills and payments to have them mailed to me. I never received the bills, payment history nor a phone call back about the debt. I then received the debt letter from Credit Management. 

Credit Management mailed me the letter only about 2 weeks ago and immediately reported it as a collection on my credit, which has negatively impacted my credit file. Instead of waiting for the 30 days that they are required to wait they decided to illegally move forward with an invalid debt collection tactic. They never even replied to the letter I mailed them asking for verification of the debt. No one has a valid reason that the debt even exists accept that XXXX/XXXX  said they adjusted a bill. This is an underhanded tactic from XXXX for me canceling their service and Credit Management attempting to make money from an invalid, unverified debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They attempted to collect on a medical debt that is over 4 years old and I requested validation paperwork on the debt, but never received it. Its been over 30 days and I still have not gotten validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
On XX/XX/2016 There Was A Bankruptcy Filed And The Credit Bureaus Accumulated This Information Shortly After. I Have Had This Bankruptcy On My Credit Profile For 6 Years And Since Then I Have Been Denied For Almost Everything I Have Applied For Since Then. My Living Situation Has Changed Drastically Because Of This Bankruptcy On My Credit, And It Is Prohibiting Me From Moving Forward In Life Successfully. This Is Fraudulent And The Credit Bureaus Have Committed Several Violations According To The Fair Credit Reporting Act. I Myself Called The Bankruptcy Court And They Stated They Do Not Report Bankruptcy Information To The Credit Bureaus. I Have Never Given The Credit Bureaus My Written Consent To Furnish Any Of My Information Including Personal Or Credit Information On The Credit Profile That Has Been Created For Me. 
In Accordance With The Fair Credit Reporting Act, The List Below Has Violated My 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) 5 ) : 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 ( a ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I placed an order for two {$200.00} XXXX XXXX gift cards, and the gift cards that were sent did not work when I click the link that Chase sent me, it says your reward can not be viewed at this time. I called and asked them to open a case, but that was back around XX/XX/XXXX, I still dont have working gift cards or the 40,000 points I spent to get them. I have called Chase and requested a refund of my points but they still have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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