BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: EQUIFAX, INC.
State: AZ
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:
Im accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX AZ, XX/XX/2019 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have called TransUnion as well as sent letters asking them to remove all unauthorized inquiry from my credit report. Which then they turn around and send a letter pretty much saying they wont remove them. Which I know by law that, that isnt true they have to remove any unauthorized inquiry.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This company claims that I owe a balance to them, yet they do not have a complete repayment history, Promisory Note or sufficient origination documentation to support the claim. The payment history they can produce reflects the introductory interest only payments well into the full repayment period. I have tried over the past two years to resolve the problem. I have repeatedly requested the balance be reevaluated and told them that if there was a small remaining balance, I would gladly pay it. Each time I speak with a representative or specialist, they have little to no record of past communication, written or verbal. They continue to report negative information on my credit, and every time I try to dispute the debt reflected on their core system, I am told that I am responsible for providing documentation supporting that I don't owe this debt and that they are not required to keep any documentation older than one year. At one point I provided a claims specialist named XXXX with several statements showing that the loan was in the repayment period for a time when their records showed interest only. Those statements proved that I was paying more than double what their system records reflected. After that, Navient stopped reporting the balance to the credit companies. I thought the matter was over until the reporting started again and the company didn't have records of me working with XXXX. XXXX could no longer be reached on her " direct line '' and Navient reps said no documents were received. 
It is next to impossible for the consumer to compile deposit account records to show over a decade of repayment history and prove they no longer owe a debt. Shouldn't the burden be on the owner/servicer to provide documentation in order to accurately calculate a loan balance or prove that any debt is owed? I paid my debt timely and in good faith for the term of my loan. 
For consideration ... when my student loans were consolidated with XXXX XXXX, they were duplicated on their system and ultimately on my credit report. The error was discovered when I applied for a home loan, and was successfully disputed with the credit companies. The balance Navient is claiming is so large that I'm concerned the loan they are trying to collect on was a duplicate electronic record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The following hard inquiries are fraudulent, I have never applied for any of them. Please remove these credit inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX  Full Service Banks XX/XX/XXXX XXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX  XXXX Auto Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX to XX/XX/2022, myself and spouse went on a cruise ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and back ). Two weeks prior to boarding, we paid for a Couples Massage for {$320.00} and also 4 days usage of the XXXX XXXX ( for two people equals {$230.00} ) using our XXXX XXXX XXXX XXXXXXXX. We both had a 50 minute massage at XXXX XXXX in the XXXX XXXX on board the XXXX XXXX XXXX  on XX/XX/2022. 
On my ship account XXXX, using my Bank of America credit card XXXX we were billed {$320.00} for Couples Massage, PLUS {$110.00} XXXX for XXXX XXXX usage for 4 days. This was already paid for two weeks prior to boarding! Also, XXXX XXXX XXXX XXXX shows that we also had a massage on XX/XX/2022. WE DID NOT! Also, on XX/XX/2022 we were charged AGAIN for a 4 day use of the XXXX XXXX ( {$110.00} times 2 ) ... this is wrong! Also, to top it off, {$59.00} was charged to my Bank of America charge card for an 18 % tip to masseuse TWICE!! One charge for 18 % tip is appropriate, but not the second charge of {$59.00}!!

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 2023-10-13
Company: EQUIFAX, INC.
State: PA
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. Act Name : XXXX XXXX, Act Number : XXXX, Act Name : XXXX XXXX Act Number : XXXX 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX, XXXX XXXX XXXX, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
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:
I wrote Equifax back in XXXXXXXX XXXX XXXX requesting that the accounts be verified. Equifax responded stating they investigated and the account were accurate and updated. After further investigation I discovered that the accounts are not reporting accurate information. Equifax did not investigate yet the incorrect information is still being reported. I wrote an affidavit of truth swearing under the penalty of perjury that the information being reported is not correct. I have exhibits backing my claim and I also wrote a letter describing the inconsistencies I found along with exhibits to back my claims. I also sent an invoice for the federal violations that I would like to be compensated for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX reported late payments to all 3 credit bureaus ( XXXX, XXXX, and Transunion ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. XXXX reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with XXXX and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive XXXX relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by XXXX during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.

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 2022-03-24
Company: Experian Information Solutions Inc.
State: IL
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:
I believe Experian did not read complaint XXXX, XXXX and XXXX because their response had nothing to do in regards to my complaint they gave a computed response as if my complaint was about inaccuracies but Experian is instead giving me a hard time to give me my credit file I even gave a state issued identification but their disregard to even read and accurately reply is huge red flag to me as a consumer. I did everything in good faith and this company is starting to show fraudulent behavior. These replies are starting to show that this company may have some time of artificial intelligence responding to these complaints. I demand a full investigation into this. In complaint XXXX the company flat out lied about sending the credit file. This is just unacceptable.

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 2023-10-13
Company: EQUIFAX, INC.
State: AL
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:
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 : XX/XX/XXXXXX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name : XX/XX/XXXXAccount NumberXXXX Account Name : XX/XX/XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2017-05-05
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citi di d not credit my account with the  XXXX   ThanYou  reward points I was promised for opening a new ThankYou Preferred credit card and meeting  minimum spending requirements back i n 2014.

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 2017-05-05
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A judgment was rendered and satisfied.    US COLLECTIONS WEST  Address :   XXXX   XXXX   XXXX   XXXX   XXXX  , AZ  XXXX  Phone : (  XXXX  )  XXXX  Is still pursuing additional money, which I strongly feel is NOT due to them after their attorney collected money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
They withhold fund from my wages on XX/XX/2023. {$140.00} was taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out to all 3 consumer credit bureaus ( Equifax, XXXX, and XXXX ) on multiple occasions because of inaccurate information reporting on my reports. On XX/XX/2021 I sent a certified letter to each bureau asking them to remove the bankruptcy that they are reporting. They are in violation as they are showing different filings dates and incomplete names for the courts that they state the bankruptcy was filed in. Equifax even has the court listed as " Federal ''. 
My request went ignored and my reports did not have an " in dispute '' comment. I have also notified each of the 3 mentioned bureaus via a dispute on XXXX XXXX as a last attempt for them to remedy this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting 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:
My experian, XXXX and equifax credit report show incorrect information. I do not have job and I'm unemployed. Please make sure it says I'm unemployed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Original creditor XXXXXXXX XXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: United PanAm Financial Corp.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A couple of months ago, I started receiving calls from a woman named    XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   regarding an auto loan debt from 2012. She told me that  she would come after me for a garnishment and was in general rude. Then o n  XX/XX/XXXX ,  I received a call from her regarding my question of payment arrangements. She told me " she said she would get me garnished '' and that I should " file bankruptcy and quit whining ''. I hung up with her and called back to speak with someone else. I was able to speak with an attorney who told me that she did n't really say that.   Every interaction with this woman has been intimidating and threatening. I explained I had n't heard anything about this debt in years, since I moved to my apartment  3 year s ago. She said she knows, but they sent me some notification about a judgeme nt 4 years ago. I explained I do n't have this paperwork, never received it. I was accused of just avoiding paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There was fraudulent activity ( of only {$9.00} ) in my XXXX XXXX account resulting in delinquency which significantly impacted my credit since earlier this year ( XX/XX/2023 ). I wasn't aware of this at first since I haven't used this card in years, let alone haven't banked with XXXX XXXX after switching banks, and also was distracted by personal matters like being laid off and in the middle of moving. I contacted XXXX XXXX and they've acknowledged this as a fraud, credited the account and closed it, and then instructed me to dispute this to TransUnion. After disputing about three times to TransUnion with unsatisfying results, they told me to report this fraud via FTC/CFPB and spare 7 business days to hear back from TransUnion. The TransUnion file number for the dispute results is : 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 2021-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
An unauthorized and fraudulent inquiry from CAPITAL ONE dated XXXX has appeared on all three of my credit reports ( XXXX, XXXX  and XXXX ) and has affected them and my scores negatively. I contacted the CPA 's and filed a dispute on this inquiry that I did not authorize. Please investigate and remove this inquiry from each of my credit reports. Thank you.

Company response to consumer: Closed with non-monetary relief