BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
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 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.

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 non-monetary relief
Consumer complaint received 2023-01-26
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: Account information incorrect

Complaint:
On XX/XX/XXXX I disputed with Experian on XX/XX/XXXX for inaccuracy on the acct # XXXX XXXX XXXX .This is a factual dispute. I have attached Experian generated results report. XXXX Experian has failed again to do their duty to report accurate information. They are consistently reporting inaccurate information on my credit report that violations my consumer rights as per FCRA. 

Report XXXX XXXX Date Generated XX/XX/XXXX ( attached is exhibit A ) This account is closed and paid in full never late. Experian is reporting XXXX. 
Inaccurate history being reported by Experian. How can this account be open being XXXX days late or past due? But XX/XX/XXXX its no longer late???? 
-No payment amount listed. ( violation ) -No status update for XX/XX/XXXX. When i clearly disputed this account. Experian has not updated this since XX/XX/XXXX. ( violation ) -Incomplete payment history Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 
XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 
The results of there improper investigation continues to report this unverified information. 


Delete this account for all the discrepancies listed on my credit profile.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: CA
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:
already tried working with experian i am a victim of ideneity theft and this fradulent hard inquiry must be removed acccording to the fcra 605b block and remove this hard inquiry resulting from idenety theft XXXX XXXX XXXX XXXX XXXX XX/XX/2022 attached if ftc 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 non-monetary relief
Consumer complaint received 2023-11-21
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: Information belongs to someone else

Complaint:
this account was opened fraudulently XXXX XXXX XXXXXXXX XXXX office of attorney general and my information was part of a data breach with Equifax which they still have yet to address this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CitiBank is trying and continues to collect on a debt ( s ) that CitiBank is unable to validate up to date. 

I sent CitiBank a sworn affidavit dated XX/XX/XXXX via certified mail to perform Debt Validation on 2 accounts. Per 15 USC 1692 et seq., to provide verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against me. plus additional stipulations. ( copies attached for reference ) CitiBank mailed a generic letter dated XX/XX/XXXX addressing only 1 account. The generic letter states " they believe '' the debt is valid and provided basic references only, a copy of the alleged originated debt, and standard account statements. ( CitiBank failed to rebut the affidavit point for point as stated in the letter ) I sent CitiBank an affidavit of Opportunity to Cure via certified mail dated XX/XX/XXXX due to CitiBank failing to honor the stipulations of the Debt Validation Affidavit. I gave CitiBank an additional 10 days to rebut my affidavit and response via sworn affidavit, verified and/or affirmed by a signature under the penalty of perjury. ( copies attached for reference ) 10 days have passed and CitiBank failed to respond. " Silence is Acquiescence, Agreement, and Dishonor ; XXXX  conditions apply upon default ''. I sent Citibank an affidavit of Default in Dishonor Notice dated XX/XX/XXXX and delivered via certified mail dated XX/XX/XXXX. By dishonoring all offers by me, the alleged liability is hereby discharged resulting from the dishonor from CitiBank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Duncan Solutions, lnc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Professional Account Managment LLC has been send us letters " DEMAND FOR PAYMENT ''. After the first from the XXXX XXXX XXXX XXXX asking for {$260.00} dallors for tolls their employees told us to " just drive through '' because we didn't have or even no we need a XXXX XXXX XXXX XXXX At the time we asked if we could pay with Check or Card and were told no, we were not told there would be a {$50.00} fee on top of each toll. We called and the XXXX XXXX XXXX XXXX  Representative told us to pay the toll amount and they would wave the fees seeing how it was our first time, we did. Then we received more notices and when we called they told us to sign up for the XXXX XXXX XXXX XXXX program even though we dont live in New Jersey along with an dispute letter and they would wave the fees, we did. Then we started getting letters from Professional Account Managment LLC claiming they represent the XXXX XXXX XXXX XXXX   and that they were attempting to collect a debt. We called and explained what was listed above and were told they would look into it, they clearly did not. The times they attempted to contact us by mail and all three times we responded by mail asking for them to for the information they are required by law to provide and all three times they ignored our requests. On XX/XX/XXXX they again tried to collect on the debt we feel we do not owe, on XX/XX/XXXX we again asked for for the information they are required by law to provide, told them not to stop contacting us until after they provided us with all the requested information and reminded them by continuing to attempt to collect without first providing written verification they were in violation of the Fair Debt Collection Practices Act. Their response was a single piece of paper on XX/XX/XXXX in response to my letter say please review attached documents, their were none. Now it's on XX/XX/XXXX we receive another letter dated XX/XX/XXXX " DEMAND FOR PAYMENT '' say to pay the total due immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: GA
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:
I have over XXXX score with each agency, no negative information, and have been at same address for 7 years, no name change in my life, have opened many credit and bank accounts without issue over decades. Just this year turned down twice. Contacted Equifax for my credit report, and see they show me at a prior address in XXXX, despite showing I've been paying the mortgage on my current place for over 7 years! They also show me still working for XXXX XXXX, XXXX miles from where I've lived since they eliminated my position in XXXX! Although it is more than 12 years out of date, I only see an option to dispute that I EVER worked there. Called this evening and spoke with XXXX, who said she couldn't drop the XXXX XXXX XXXX erroneous employer until I had a new one to put in it's place, " company policy ''. I can't even figure out how to put a note on the report saying that they are willfully presenting false data, and surely, this is costing me quite a bit of money since I can't open a hi yield checking account due to their misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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 2017-06-16
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an account with Coinbase. On XXXX XXXX, 2017, I sold XXXX for the amount of {$1100.00} ... I have yet to have this amount credited to my account ... it is still pending. Today is XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Account information incorrect

Complaint:
Here we go for the 100 th time!! 
I see one of my reports and they have the correct amounts of credit then I goto my bank vantage score and they do not show the correct amounts or accounts before they put false medical bills on my report now they are reporting in correct amounts or not showing accurate accounts then they just allow people to pull my credit report with out my permission I gave XXXX one time permission not 5 times then I gave one time to the other credit cards I received my credit cards now they just let them pull my credit which of course takes my score down for no reason also I purchased a car in 2021 I gave them permission to run my credit through XXXX I look at my credit report and there are XXXX other places I never even heard of pulled my credit and when I called them they say the car dealerships can do that? no they can not!! not with out my permission!!!

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 2023-09-28
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 kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2022, XXXX XXXX, I received an ads email from the bank of America that if I apply to refinance my existing auto loan with the bank of America. I will get 0.15 % rate reduction. Limitedtime rate reduction will be valid and reflected in advertised as low as rates for applications for all loan types submitted between XX/XX/2022 and XX/XX/2022. Applications submitted outside of these dates will not be eligible for discounted rates. 

My existing auto loan is with the Bank of America. However, today the bank representative of the bank of America called to inform my refinance application approved with the interest rate almost 1.2 % higher than current existing rate. 

Bank of America has misled the customers to apply refinance by providing the false ads. I tried to call the bank of America and was talking and being transferred to different department for almost XXXX hour without being explained the false and misleading information. 

My case number with the bank of America is XXXX Please help investigate, as they told me the false emails were sent to many customers

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 2022-08-06
Company: EQUIFAX, INC.
State: NC
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 Fair Credit Reporting act XXXX Account # XXXX, has violatied my rights. 15 U.S. C. 1681 section 602 A. States I have the right to privarcy 15 U.S.C. 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account with out instrutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 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 non-monetary relief
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: TN
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I used Equifax to place a freeze on my credit report a while back on their website. I tried to unfreeze my credit report today, by logging into myEquifax account. However, the website keeps saying that " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' I then tried using the XXXX & XXXX app on my phone that's developed by Equifax to unfreeze my credit report. The app also says the request could not be completed, with an error code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Credit card account has two types of balances in the relevant period - a balance with 0 % promotional APR until XX/XX/XXXX ; and a regular interest-bearing balance for ordinary purchases. Since the making of the balance transfer with 0 % APR on XX/XX/XXXX, I have been making fixed monthly payments of {$700.00} ( plus some in a few instances ) and spending way less than that per month ( up to $ 300 month XXXX, most months under {$100.00} ). Instead of applying the payments to the higher APR purchase balance, the bank appears to have been applying them to the 0 % balance instead. As a result, the interest bearing balance has continued to accumulate up to {$930.00} now. This is despite the fact that until the XXXX statement, not once did I spend more than {$700.00} on this credit card since making the balance transfer ; meaning the interest bearing balance should have been XXXX after every single billing cycle and should be approximately {$100.00} at most right now. Instead, the bank has been charging me on interest on seemingly random amounts of a total " purchase '' balance for at least a year. 

After I called the bank and informed them of this violation of the Credit Card Act in XXXX, the customer service rep agreed to refund all interest charged and fixed the issue. On or about XX/XX/XXXX I noticed another interest charge on my account on XX/XX/XXXX. I attempted to call the bank to resolve the issue on XX/XX/XXXX. I explained that the interest charge in question is contrary to the Credit Card Act, but the customer service rep kept repeating that they " requested the charge be waived but my request was denied. '' I repeated several times that what the bank had done is in violation of the law and is not something that they have the option not to remediate, she said all she could do was make another request ( which she did, and which was also denied according to her ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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