BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: CT
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently received a copy of my credit report. This is a list of accounts that has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I did not give the Consumer Reporting Agencies Permission to report, NO PERMISSIBLE PURPOSE, it was not disclosed to me that I can opt out of having my information reported, and I am writing to you to EXERCISE THAT RIGHT.

Account name and Account number : these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to your laws 15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 ( b ) ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1681 ( c ) ( 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. 1681s-2 ( a ) ( 1 ) ( A ) 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.

Please delete these inaccurate information off my credit report immediately.

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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 2019-03-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, I wanted to use my Best Buy credit card on XX/XX/2018 at the Best Buy in XXXX, NY when purchasing a television as I was told I would received a certain discount. However, when I tried to use it they said it had already expired and I need to renew the card. I agreed and for this they called a girl who gave me a form to fill. I did that, and they said that this would be a new card so I would get a 10 % discount. I was more than happy. I had to wait for about an hour to receive approval after which they charged the television on that account. I had that delivered to my house later that week and have payed off the amount. But, in XX/XX/XXXX when I went to make the remaining payment I noticed I was charged for something I did not purchase and it was done in XXXX, NY. I have not purchased it and it was definitely not me as I did not even have the credit card in my possession. I did not receive the card. I called the customer service but they were not helpful. I went to the store in XXXX and spoke with a representative there, letting them know that if someone were to purchase such a big amount, they should have checked the identification for confirmation. The amount I was charged for was {$3000.00}, and the bill i received recently has an additional charge of {$1200.00}. The rep said they would investigate the charges, and I would receive a new credit card later which I did. But after all this time, I just received a letter saying they have completed the investigation and I am responsible for the amount due! 
I fail to understand why I should be paying for something I never purchased. Did the cashier check to see if the credit card was mine? I did not even receive the card when the purchase was made. Please let me know how I can go about this. I am unemployed, and have no reason to purchase something I can not afford. These purchases were not made by me and I have let the company know but they still hold me responsible for the charges. Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Account information incorrect

Complaint:
I am writing to express my dissatisfaction with the results of the reinvestigation of my dispute that I submitted to XXXX/Equifax/XXXX  XXXX XXXX XX/XX/2023, through the CFPB portal. [ Account XXXX. All is being investigated by the FTC ]. Despite my efforts to bring to your attention the inaccurate information appearing on my credit report, including the XXXX XXXX account that I have disputed, I was disappointed to learn that the only action taken was to update my address and add a telephone number. 

As I mentioned in my previous correspondence, this collection is not related to any transaction that I made, and I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Furthermore, I believe that the inclusion of this inaccurate information on my credit report is a violation of the following codes : [ 15 US C 1681 section 604 A Section 2 ], [ 15 USC 1681 Section 602 ], and [ 15 US code 5 1681b ]. 

These violations have caused undue stress and financial strain on my life, and I demand that they be rectified immediately. The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. Therefore, I am requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, with the XXXX XXXX account completely removed from it. 

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. Please be advised that I am willing to take all necessary legal steps to rectify this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if necessary. 

Reporting of inaccurate information is a serious matter, and I urge you to take swift action to rectify this issue. I believe that the following CFPB codes may be relevant in this matter and I request that you consider them when reviewing my dispute : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA, and Section 1681b of the FCRA. 

Thank you for your attention to this matter. I look forward to receiving a prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Aqua Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I recently requested my statement from Aqua Finance Inc. When reviewing my statement I discovered that the first six payments that I made to the company for my monthly pool payment of {$750.00} had been taken strictly towards interest. Not a single XXXX of that initial {$4500.00} went towards the principal! As I continued to review the statement I noticed that even though I have a fixed interest rate of 10.9 % the amount of interest that I was required to pay monthly varied significantly. Even though I was consistently making my payments, the amount of interest that was being collected would actually go up which doesn't make any sense because if I have a fixed interest rate and I'm making my payments monthly even if the principal is decreasing by a small amount, the amount of interest collected should always decrease and never increase. I'm not talking about small amounts either, this company takes whatever amount that they want from your payment and will keep it as interest. The math is simple, if I am paying monthly on my account that has a set interest rate my principal and amount of interest ( dollar amount ) should decrease and unless should never increase unless the interest rate changes or there is a late fee. One month the amount of interest collected was {$270.00}, the following month they took {$390.00}, the following month they took {$580.00}, and the month after that they took {$680.00}. Payments were all made on time in the amount of {$750.00} and Aqua finance Inc just arbitrarily choose to keep whatever they wanted and just disregarded the terms of the contract. Business should not be allowed to take advantage of consumers like this and it is a disgusting practice. I have emailed the company twice and I have gotten no response and I spoke with a representative and he couldn't provide answers as to why this was occuring ( although there was also a language barrier between him and I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a letter on XX/XX/XXXX, requesting the removal of unknown inquiries from my credit file. Today, I learned that these items should have been removed no later than 4 business days after that date, according to FCRA 605B ( 15 U.S.C. 1681c-2 ). These errors are significantly affecting my credit score, and I demand immediate deletion in accordance with FCRA. As I previously stated in my Complaints, I am reiterating my request to remove the unauthorized inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. I want to emphasize that I did not initiate these inquiries or authorize anyone to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking necessary steps to report it to the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NE
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 victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a checking account with Chase Bank since XXXX with excellent standing record. 

I recently opened a new LLC business checking account.on XX/XX/XXXX at the XXXX branch with {$2000.00} initial deposit. I also deposited {$8000.00} in my personal account ready to pay property tax. 

On XX/XX/XXXX, I am unable to access both personal & business LLC account.s. I have called several times to Chase different departments and finally found out the Bank has frozen both of my accounts and closed them within a couple of days with no explanation or communication.I also went to the branch but got no answer. 

I am in shock since the {$8000.00} just deposited in personal account in XX/XX/XXXX is the fund to pay the property taxes. Both accounts with total balance of {$10000.00} are still unavailable to withdraw as of today, XX/XX/XXXX. 

So far, no one in the branch or customer service call center is able to explain what happened or what to do except having the closing account process to run the course. 

I am still in the hole and waiting for my {$10000.00} deposit to use. I have received two letters dated XX/XX/XXXX stating both my personal and business LLC checking will be closed soon due to " recent activity '' or " did not provide information requested ''. 

The only recent activity was to open the new business XXXX at the branch, which I suspect to trigger all the closing accounts situation for no reason. 

I felt powerless at the mercy of the Chase Bank holding my {$10000.00} property tax money due to pay before year end of XXXX. Apparently only thing I can do now is keep waiting until " who know when '' to get my hard earning money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: SC
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:
there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX  as it is to XXXX  and Equifax 2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2021 I sold my condo XXXX XXXX XXXX # XXXX, XXXX, MA XXXX. At the closing, my attorney held {$1000.00} in escrow until filing of documents at XXXX XXXX XXXX of Deeds. Unfortunately, the XXXX on the title to XXXX XXXX XXXX # XXXX, XXXX was filed XXXX ( both sides ) as : Recorded land = Book and page XXXX also Registered Land = Document Number XXXX. 
My LoanCare account XXXX. 
I have called weekly since XX/XX/2021 to explain this situation and ask that it be corrected to INCLUDE document number XXXX. I have sent several emails to XXXX and when I receive a response, it is ALWAYS Thank you for contacting us! Your inquiry has been forwarded to the team of specialists experienced in resolving your issue. Our hours of operation are from XXXX, XXXX A.M.- XXXX P.M. Eastern time. We will provide you a response as quickly as possible. 
Sincerely, XXXX XXXX Department XXXX ID XXXX The latest letter I received in the mail was dated XX/XX/2021, stated We have performed the following action on your account : We have received and acknowledged your Recorded Satisfaction Document Once again, they have NOT done what is required of them. Now, my attorney XXXX, who has also written to Loancare with specific instructions to discharge the mortgage has not heard from them. The buyer of XXXX XXXX XXXX # XXXX XXXX has threatened to sue if this title is not cleared. I have spoken with the title company : XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Ext : XXXX Email : XXXX. She told me she can not clear the title until LoanCare specifically sites the documents number XXXX. 

Everything I have explained here, is what I have repeatedly said to whomever answers the phone. I have asked to speak with supervisors and the answer is you claim is being excalated. 

Any help is most appreciated.

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 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The only service any of the three credit reporting companies offer is the opportunity to dispute information in the credit report, but this complaint is about how the credit score is actually generated. 

Its a programming issue inasmuch as all three companies apparently use the same or similar key factors ( Att 1 p. 1 & 2 ), but in my case those key factors do not track with my credit reports, " Your credit score ... reflects the number in your consumer report '' notwithstanding ( Att 1 p. 2 : X'ed block ). 

For examples, factor 00011/01 : Amount owed on ( Revolving ) accounts is too high is a report Debt-to-Credit ratio of 4 %, 028 Number of Established Accounts is 03 Too Few Bank/National Revolving Accounts IS MY CHOICE, 10/010 : Proportion of Balances to credit limits is a variant of 00011, and 014 length of time accounts have been established is reported as a 21 year average in a 30 year credit history. 

" Know how to get rich? Spend less than you make. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: TX
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 3rd complaint that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX BANK XXXX XXXX : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX OF XXXX XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXXankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: SYNCHRONY FINANCIAL
State: FL
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:
Complaint against GE Financial for Reporting Inaccurate Information on My Credit Report Dear Sir/Madam , I am writing to file a formal complaint against GE Financial regarding inaccurate information that has been reported on my credit report. I have diligently followed the necessary steps to address this issue, including disputing the account in question and requesting verification of ownership through a written instrument with a signature which does not belong to me along with details of the alleged debt amounting to {$5800.00}. Despite my efforts, I have not received proper verification or documentation that validates the debt 's legitimacy. My interactions with GE Financial have been ongoing, and I have submitted multiple disputes regarding this account. On XX/XX/XXXX, XXXX received a response from GE Financial in which they mentioned " verify '' without providing any conclusive evidence to support their claim of my indebtedness. I find this response unsatisfactory as it fails to address my request for concrete proof of the debt 's validity. It is crucial for me to stress that I am confident that I do not owe the alleged amount to GE Financial. Their inability to provide the requested documentation only reinforces my belief that the reported information is inaccurate and unjustly affecting my credit report. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) intervene and initiate an investigation into this matter. I believe that my rights under the Fair Credit Reporting Act are being violated, and I seek resolution and rectification of this issue for the protection of my creditworthiness and financial integrity. Enclosed with this complaint, please find copies of all relevant correspondence, including the dispute requests I have submitted to GE Financial and their response dated XX/XX/XXXX. I am hopeful that the CFPB 's intervention will lead to a fair and accurate resolution in this matter. Thank you for your attention to this pressing matter. I eagerly await your response and guidance on the appropriate steps to take in order to address and rectify this inaccurate reporting.

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