BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: MA
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:
n accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any 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 USC 1681s2- ( 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 2019-07-17
Company: SYNCHRONY FINANCIAL
State: MD
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 had a JCPenny card in 2013, the last activity was XXXX of 2013, and the account was closed. I have disputed this account with the credit bureau to be removed due to age of account and they have not removed. It has been more than the 5 years so the account should be removed. There is also a collection account with XXXX XXXX for this same account and I requested it be removed because of age of last activity is more than 5 years.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested to see how this debt was validated on XXXX through Transunion for the debts listed below. On XX/XX/ the disputes were once again updated as verified with no information provided as to how it was validated... 

XXXX XXXX- Account Number XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX - $ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX - $ XXXX XXXXXXXX XXXX XXXX XXXX- Account Number XXXX - {$270.00} - 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 2023-01-05
Company: M&T BANK CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
M & T Bank has been freezing my account for the past XXXX weeks. I've spoken to several of their associates and every time everything stays the same. In order for me to use my XXXX XXXX to make a purchase, the bank has to approve it first. I have done everything they want me to do including, the opening of on-line banking ( which I did not want ) and a back to back fraud alert. Still, I can't use my debit card. I never had any issues with either The People 's Bank or M & T in concerns with fraud. Right now, I'm beside myself. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I wired {$1000.00} on XX/XX/XXXX through Chase to my brother 's bank in XXXX. It's been 3-5 business days and more. My brother has not received it and already called his bank. I went to Chase and they could not help me. 

This is the second time it happened. Last time I got my money ( {$3000.00} ) refunded after 3 weeks without interest or the wire fee back. 

This time I want that {$1000.00} back and that {$5.00} wire fee. The bank information in XXXX is confirmed and correct. 

This is why people hate Chase and want to use crypto currencies. 

Please return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I contacted progressive insurance about the balance owed in the amount of {$310.00}, and they agreed to waive the debt, stop reporting to the collections XXXX XXXX, and delete the negative trade line.

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 2023-09-20
Company: EQUIFAX, INC.
State: MD
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: IL
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 the sixth attempt that I have been a victim of identity theft and 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

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 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Capital One Credit Card ( XXXX ) in which they offer Cash Rewards every time you spend and pay. At one point during the pandemic we could not make a payment since I did not have a job, they did call me and inform that my Credit Card will be froze due to non payment despite me complaining that I am jobless. However, today I am fine and I paid the minimum and promised them we will start paying. They told me on a recorded line that once the payment is posted {$110.00} we can then use our CASH REWARDS that we earned towards the amount we owe, but that is not the case. Now when I called them back after payment successfully posted they said that we are not able to use since account has been frozen. We do not want to use the credit card but want our cash reward which we earned fairly. 

Amount in cash rewards {$150.00} Last posted successful payment {$110.00} I was told on a recorded line by ( 2 ) capital one agents, one by collections and other by rewards program department that we can redeem cash back on XX/XX/2021.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX day, my wallet, phone, and a couple other items for stolen by a family member. I had to order a new phone and during the days that I was without a phone, I was unable to check my bank account or get any notifications regarding my account and this family member was making it a whole bunch of fraudulent charges the day I receive my new device I immediately call Citi Bank reported my card stolen, filed a dispute. They denied the transactions only two days later I believe so I called back, resubmitted the dispute. I was notified today, that I would not be receiving a provisional credit because my pin number was used in some of the transactions which my pin number was my grandmas birthday, who just recently passed away, and my cousin was who stole my wallet in my purse and everything and of course, he knows what my grandmothers birthday is, but they went ahead and permanently gave me a credit for all the credit transactions so those disputes with resolved in my favor but pin based transactions were all denied

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 2023-06-25
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX I have contacted Discover card phone line reporting unauthorized charges by XXXX XXXX and filed a formal dispute. 
Since XXXX Company scamming system is designed to frustrate and wear out un-suspecting consumers : the toll free # plays a prerecorded message referring a caller to their website, but no-one replies to claims. 
No direct contact was possible and Discover refused to share their contact information, but they reversed charges to my account. On or about XX/XX/XXXX I filed a new dispute which was elevated to Fraudulent Charges by the claim agent and due to disappointing performance by Discover I paid off the {$35.00} last statement and requested the closer of my account, which was done by Discover. But to my surprise Discover reopened the account and started issuing erroneous billing and sending false reports to credit bureaus damaging my excellent credit. 
Kindly please help me stopping this unfair and harmful practice of Discover Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX '' when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2019-07-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
From 2007 till now, it has been so difficult to get my servicer, which seems to change all the time, to lower my payments. When it is done, it is cancelled after sometime without notice, Instead I get pushed to apply for a forbearance, instead of just allowing me to continue to pay as I earn. Moneys taken out of income tax return is never seen on my account, no contact is made to let me know that money has been recieved. It is a mess. My credit is poor because of all the interests. I know I'm being mislead, and overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.

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 2021-12-06
Company: EQUIFAX, INC.
State: NJ
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:
My credit report showed a credit inquiry from the XXXX XXXX XXXX XXXX XXXX hard inquiry XX/XX/21. I did not apply for an XXXX so to me thats fraud on my report I also made a police report about this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: FC HoldCo LLC
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: Investigation took more than 30 days

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2021-12-28
Company: Experian Information Solutions Inc.
State: KY
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 had an auto loan with XXXX XXXX XXXX XXXX that originated on XX/XX/XXXX. I defaulted on this loan on and the vehicle was subsequently reposessed. I settled for an amount and the rest was shown as a charge off. In a vain attempt to have this negative information removed from my credit report I filed a dispute with the Experian and XXXX and subsequently disputed the results of those investigations. I have recently tried to have the information that I did not agree with the results of the dispute removed from my credit report. After speaking with XXXX XXXX XXXX XXXX XXXX I had a letter faxed on XX/XX/XXXX from their XXXX, KY location to their credit reporting location of which I have attached. After not receiving a response within 30 days I filed a dispute with Experian on XX/XX/XXXX and received the results under report number XXXX on XX/XX/XXXX. The information that I did not agree with the results of the previous dispute was not removed and my account was moved into a collection status.

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 2023-10-26
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX This Information is Incorrect, remove. 

XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove XXXX XXXX XXXX XXXX This Information is Incorrect, remove The following personal information is incorrect. 

XXXX XXXX, XXXX. XXXX, NY. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
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: Credit inquiries on your report that you don't recognize

Complaint:
THERE IS UNAUTHORIZED USE OF MY CONSUMER REPORT AND IT IS NOT FAIR AND EQUITABLE TO ME NOR IS ACCURATE I DEMAND THESE INQUIRES BE DELETED AND REMOVED FROM MY CONSUMER REPORT .CIVIL LIABILITY MAY BE GRANTED TO ME IF FAILURE TO COMPLY WITH FCRA 

Inquiries reporting .

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-06
Company: Medical Data Systems, 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:
They have medical records on my consumer report which is a violation according to the fair credit reporting act. The company is medical data systems. inc.

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