BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
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:
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. 

Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-09-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
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.

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 2023-07-03
Company: NCB Management Services 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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX OF NOTICED FRUADULENT ACCOUNTS DISPUTE RESPONSE! 
THE XXXX credit bureaus and the company named below took more than 45 days to respond according to the " FAIR CARES ACT '' law ALL COMPANIES INVOLVED ARE NOW IN VIOLATION OF THE LAW!! 

NAME : NCB MANAGEMENT SERVICE Balance {$13000.00} Balance updated XXXX XXXX, XXXX Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. Status updated XX/XX/XXXX Contact info Name NCB MANAGEMENT SERVICE Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE! 
15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NJ
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi, on XX/XX/XXXX, I tried using my credit card but it got declined. I tried using my debit card but it was declined as well. Later in the evening, I called my credit card company and they informed me that my account has been closed and that I should've received a letter about it. Upon checking my mailbox, I discovered a letter from my bank explaining the changes to the account terms. In particular, it shared the changes to the new minimum payment calculation, and the fee changes to. my cardmember agreement. I proceeded to call them again and they stated that they're not privy to any of the information regarding the closure of the account and all that they can see on the file is that it was due to unexpected activity. 

The following day, I called the number on the back of my debit card, and after 3 transfers they shared the same information : they don't know why the account has been closed but that I should be receiving a letter explaining why. 

The day after that, on XX/XX/XXXX, I visited a branch of Chase bank on XXXX XXXX in XXXX, XXXX. The staff there too couldn't offer any explanations. However, they were able to help me withdraw my funds from my checking accounts. 

Later in the evening, I finally came across the letter from Chase regarding the closure of my accounts. All it stated was that my accounts were being closed due to unexpected activity on one of my Chase accounts. I went on to call the number listed in the letter and the representative too was unable to offer any further information. After some further prodding, the representative did finally divulge that it was the bank 's global security and investigation that made the ultimate decision. 

I have sifted through my account activity for the past few months and have failed to see or detect any kind of unusual activity. This entire ordeal has been painful and difficult. I've been a client of Chase bank since XXXX and now I need to open a new bank account and apply for new credit cards. I'm not even sure how this might impact my credit score or if there might be other repercussions. I'd just like to know what happened and what I did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
Attached are my Loan details from XXXX showing my student loans are PAID IN FULL. 

Why is XXXX being allowed to report to my ALL credit reporting agencies that I OWE them and have LATE PAYMENTS. 

If the account is PAID IN FULL, then why is XXXX reporting LATE PAYMENTS/COLLECTIONS? 

These are records from XXXX themselves. 

See attached.

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 2023-03-30
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C Systems I have sent more than one letter to this company asking them to 1- Stop contacting me 2- to remove their reporting off my credit report as I have asked to be Opt-out Of their reporting. in15 US Code 6802. Obligations with respect to disclosures of personal information I have also stated that they have obtained my personal information and is reporting it to my credit file which I have Not given them permission to do so. This Account was REMOVED from my credit file 3-4years ago and now it has been placed back on my credit file Wrongfully. I Have also put in more than one dispute with this company. This company has a collection on my account that is not my own debt. I have asked this company to provide proof of such debt Not an Invoice but a copy of contract with both parties wet ink signatures stating I ( XXXX XXXX ) agreed to the amount in question and such documents can not be provided. I wish this debt to be removed immediately, I am also requesting to be compensated for this inconvenience this has caused me and affected my credit file. The fact that my written letters were being ignored, and that I have asked to be opt-out, also this company was removed for wrongful reporting in the past but decided to report again. I also want this company to NEVER report every again to my credit profile, I want to be Opt-Out For life from them reporting to Any credit profile of mine.

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 2021-03-22
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2021 I filed a dispute with all 3 bureaus and XXXX which was reporting inaccurate information and removal. All 3 bureaus didn't respond within 30 days. I have had previous disputes on this item with all 3 bureaus. The item in question is a Bankruptcy. 

XXXX is reporting inaccurate data on the bankruptcy. The item was dismissed and never pursued. The Bankruptcy never was active or made it to court. The filing has errors. 

All agency was asked to remove this from the report numerous times. A 3rd party data company furnished this information to the bureaus as there was no contact made from the Courts which shows how inaccurate it is being reported. 

This information that was collected was from a 3rd party and shows several mistakes. 
The action I took with XXXX 1. I ordered my file from XXXX to review 2. I checked it over 3. I found the inaccuracy. Then I, 1. Wrote XXXX and all 3 bureaus 2. Sent a description of the inaccuracy to all four bureaus, 3. Waited 30 days for a response and started filing a complaint when I didn't receive an update or the desired results that should be done. 

There were numerous previous letters to all 3 bureaus asking that this erroneous item be removed. With the amount of research I have made on this item my conclusion is that it must be removed based on No direct update from the courts, a 3rd party reporting the data and the data is incorrect. The item is dismissed and never went active in the Courts either and a Bankruptcy never took place. 

1. The item was never active 2. It was reported with inaccuracy through XXXX - the information didn't belong on the report, and was pointed out through the dispute letters 3. The data was collected from a 3rd party and not the courts. 4. The biggest erroneous complaint is there was never a bankruptcy that took place. 

As a consumer, I swear that this information is correct. I wish to file a complaint on all 3 Bureaus and XXXX for the removal of the item discussed in this grievance.

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 2022-12-16
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Barclays Bank resulting in a fraudulent credit inquiry on my XXXX credit report from Barclays Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent Barclays Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both Barclays Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. Barclays Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent Barclays Bank inquiry removed from my XXXX credit report. The date of the fraudulent Barclays Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by Barclays Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with Barclays Bank.

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 2021-06-15
Company: AFNI 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: Information belongs to someone else

Complaint:
the following accounts appear on my credit report, without any authorization, it is hurting me, please review them XXXX XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 
XXXX  XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Atlanticus Services Corporation
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:
During the Pandemic I was dealing with XXXX XXXX XXXX anXXXX XXXX XXXX  with XXXX XXXX XXXX XXXX. which lead me to go visit my doctor, I was involved in a XXXX XXXX XXXX which put me in more XXXX XXXX. XXXX and need for iXXXX XXXX XXXX and XXXX, I value and respect my credit and reached out to Aspire* about the XX/XX/2022 payment which was {$140.00} due, I let them know what was happening and made arrangements/ promise to pay half, with the remaining to be paid by the XXXX of the month [ two days after the statement date ] they reported the entire payment 30 days late, I had no other payment issues with them and paid double payments and entire balance $ XXXXas soon as I got back on, my financial feet. I have been a good customer with this credit card account and really feel it unfair and unnecessary to have my credit score affected by the late payment they placed on my report. I asked for understanding and consideration because of the circumstances I meantioned above. I would appreciate very much to have this removed and to keep good standing with Aspire*

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
United Wholesale Mortgage XXXX number : XXXX is reporting a 30 day late payment in XX/XX/2022. My XX/XX/2022 payment was received on XX/XX/2022 so it is not 30 days late and should be removed right away as it is damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Harley Davidson Financial Services Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Harley Davidson Credit has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 also states, a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B ( a ) Creditor may not treat a payment on a Credit Card account under an open end Consumer Credit Plan as late for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my account on XX/XX/XXXX without telling me the reason and said they will send me a check back for my balance in my closed account which is about XXXX dollars. After XXXX week they said they need to review the funds source and hold the money. After XXXX month when I called them, they said told me the hold harmless department is holding the money and will not give back to me in the future. I asked for a explanation and they are not giving me the answer.

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 2023-06-27
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-27
Company: EQUIFAX, INC.
State: LA
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 follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-05
Company: C/C Financial
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased furniture and used this company to finance. I went back and forth with the furniture store and the finance company because I received broken furniture and missing parts to a table I purchased. I was under the assumption this was fixed and now its showing up on my credit report. This isnt fair at all. Why would I pay for broken furniture or things that are missing parts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CARTER-JONES COLLECTION SERVICE, INC
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:
Carter and Jones Collection agency sent letter out to XXXX XXXX about a past medical bill from XXXX XXXX XXXX XXXX. The bill is from over 4 years ago and in another state which we previously lived. I called the hospital and they cant verify the bill. After that the collection agency somehow connected her bill ( my wife ) to my name. I then got a letter saying that bill was under my name. I did send in a disbute letter for both of us for that bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation