BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: TX
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 the creditors and credit bureaus to let them know the inquiries included in the document below are not supposed to be reported to my credit. These should not be visible on my consumer report. I never gave them written consent to report them. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion XXXX  XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX Is reporting false information on my Credit Report. I sent a letter of dispute on XX/XX/XXXX, in which I provided proof of my identity, an Affidavit and other documentation in support of my legal dispute. I followed up with further correspondence on XX/XX/XXXX, to ensure every possible document required was served! 

I sent the same information to all three of the credit bureaus on the same date yet only XXXX, has taken the immediate action necessary to remedy this wrong against my credit report! I submitted a request to Transunion online requesting my login details be reset, yet they failed to respond in the promised 24hrs. I called XXXX, and they asked me to identify myself by testing me with false information which I disputed and outdated information which should have been removed in XXXX. The first customer service representative correctly identified me, however, when I passed on to his colleague who asked the same questions concerning information which shouldn't be on my credit file she claimed to not be able to positively identify me. When I asked to speak with a supervisor I was placed on hold for an hour after which time I hung up! 

The continued reporting of false information on my credit report is adversely impacting my personal and professional finances. During this time of XXXX Pandemic, that is completely 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 2022-10-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This account was originally opened with Washington Mutual Bank, as they were holding my mortgage. Chase purchased Washington Mutual and my mortgage and checking account was transferred to Chase. At the this time I was advised that the terms and conditions of my account would remain the same. My mortgage rate remained the same and my checking account did not incur fees, as long as the account remained open. I was told this again in XXXX when I paid my mortgage in full the I was grandfathered in and no fees would be accessed. Now Chase has advised that they are changing the name of my account and fees will apply. I went to my Chase branch in XXXX XXXX on XXXX XXXX XXXX on XX/XX/XXXX to advise the I am exempt from fees due too being grandfathered in. I spoke with a teller and the branch manager to no avail. They said Chase I taking all the grandfathered accounts, changing the names, and now fees will apply. My complaint was escalated to the Branch Complaint escalation group. Someone named XXXX called today from this group. He repeated the same as above. I want know why Chase can renege even though I have held up my end? Does their word mean nothing? I have paid my mortgage on time and in full, my account is stellar, no overdrawn checks, etc. I have been and am an excellent customer. I did not ask nor had any say in the purchase of Washington Mutual. Chase made a deal and they should honor their deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 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 2023-11-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC
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:
I've been trying to remove a bank abuse claim on my chexsystems that has made it extremely hard for me to have a bank account with any reputable bank. This account that they have on my report was a bank account that was made when I was a minor but never made those purchases that were listed on the account before that account was closed. During this time I was a victim of identity theft as I also have reports from this time where a credit card was made in my name when I was still a minor. I do need some help in having this removed from my report.

Company response to consumer: In progress
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
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:
Equifax has misreported my credit report. After I submitted a dispute my credit report dropped. I submitted another dispute and my credit report dropped again. Also, I was automatically signed up for a service I did not request call Equifax Core Credit. This service might be the issue as well. As of XX/XX/2023 my credit score has dropped from a XXXX to a XXXX just like that. In my Equifax account it stated my credit score dropped XXXX points, but in actuality it dropped XXXX points. I called Equifax and they said a bank reported a overdraft. I explained to Equifax that I never received any information from that bank ( which I never really use about an over draft ). Me purchasing gas 5 months ago should not cause my credit score to drop dramatically. I explained that Equifax math is off because XXXX, therefore my credit score drop is by 68 points. I paid the bank it's XXXX and today I look at my credit score it dropped from XXXX to XXXX after I placed another dispute and voiced my complaint. This drop is another XXXX points. I need help fixing this issue. Equifax is stating it is not them and I believe it is. This situation is negatively affecting things I am trying to do. Equifax admitted in XXXX of 2023 to errors in their credit reporting and this is when my issue started. I want my credit score put back to a XXXX and my positive credit added to that XXXX, which will raise my credit score to where it should be. I worked hard on achieving a high credit score and want my credit score restored to it's accuracy XXXX points from XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Over 20 times in the month of XXXX, and over 10 times in the month of XXXX, American Express keeps contacting me. They will either call ( my phone blocks it but I still see the message ) OR they will put this Collection Message up on my computer. I've asked them why is the message about " We need to speak with you immediately regarding your Account. '' My account is always paid, paid way in advance, through multiple payments. I'm attaching the screen shot now. I also have all my chat messages copied to validate that I have asked the representatives to please put a note on my account, that I don't need to be bothered while my account is current. It has been current for months, yet I still get harassed, almost daily by then. I put a phone block on my cell phone, and when I log into AmEx I always respond to the " we need to speak to you urgently. '' and they want to harass me about the balance on my account. They choose to selectively harass me. They never did this with my husband 's account. They are willfully harassing me. Each time I tell them very clearly to not harass me online or via phone. Online is the same thing. Harassment is harassment. Today, I took screen shots of this interaction, so that you can see for yourself, how they badger me. I can't imagine what  those who are late have to go through. As a reminder, you can see clearly that I am not late and in fact, had no payment due. This is because I pay my bill the moment it posts online, and then I make several additional payments during the month. This repeated harassment is causing me great stress and anxiety. 

I have attached images from XXXX and XXXX - to validate that 3 different times this has happened ( more than that, this is what I included today ) and that they make me speak to them, and then they harass me about the balance on my account, and I ask them to please stop contacting me, and they continue to do so. 

The dates are on the bottom right corner, where I take a screenshot showing the date/time on my computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dear Sir or Madam, My name is XXXX XXXX, please contact XXXX credit reporting agency on my behalf. 

I contacted a representative from the fraud department to correct my personal information and reported my privacy has been violated. 
XXXX XXXX is my name. I should have only my ( 1 ) Name and ( 1 ) address on my credit report to verify my personal identity.

I do not use or not know by other names or addresses to verify my personal identity.

Over " 18 " hard inquiries conducted without my authorization. I need to emphasize numerous inquiries with out permissible cause with the same financial institution certianly are red flags and should have been immediately addressed and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Adverse action need to be taken to correct the errors on my credit report. The credit reporting agencies have been exposed for violating Federal Laws to protect customers rights. In addition, the banking system and financial institutions should accurately and fairly protect consumers privacy and rights. 
I did not authorize in writing or digital form permissible cause to share or inquire my personal information. 

Thank you in advance for your assistance and considering my requests. I will govern myself accordingly. 
Sincerely, - 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 non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Paysend US LLC
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent XXXX dollars on XX/XX/XXXX XXXX to my family in XXXX XXXX and after 3 days, they told that they cant reach my family account, them I ask for my money back, and today is XX/XX/XXXX and I try to contact them and I dont get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: JPMORGAN CHASE & CO.
State: DC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX - Bought beats headphones on amazon for {$160.00} XX/XX/XXXX - Spoke with Amazon, they say shipped and delivered by XXXX on XX/XX/XXXX XX/XX/XXXX - Initiate dispute with Chase about purchase XX/XX/XXXX - Chase sides with Amazon and purchaser regarding dispute. 
XX/XX/XXXX - Go into Chase bank to re initiate dispute as Chase needs it in writing. Branch faxes it to dispute number. 

XX/XX/XXXX - Reach out to Chase about new dispute, says never received fax. Thanks Chase XX/XX/XXXX - Apartment building shipping locker is reset, package is found and was in there, correctly delivered. Initiate return with Amazon on this day. 

XX/XX/XXXX - Item is shipped back within return window XX/XX/XXXX - Reach out to Amazon about refund, says already processed, no refund on Chase credit card. Re initiate dispute with Chase XX/XX/XXXX - Chase closes dispute, not changing the original decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX/XXXX has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX/XX/XX/2016 and then again in XXXX/XXXX/XX/XX/2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.

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 2021-02-19
Company: CNG HOLDINGS INC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I received a phone call stating XXXX XXXX XXXX XXXX XXXX was attempting to serve me with paperwork that they were taking me to court. They stated that unless I paid their settlement amount or agreed to enter into a payment arrangement of {$200.00} per month for 10 months they would sue me in court. Also stated that they have a tax return offset against me and were in the process of filing a wage garnishment with my employer already. The debt was for {$1000.00}. I have paid a settlement offer with the collections company that is listed on my credit report, XXXX XXXX XXXX XXXX, when I spoke to the representative there, they stated that they have not heard of the other company, and that it is illegal for them to state that they have a tax return offset and that they were filing a wage garnishment form with my employer without a judgement against me. I contacted XXXX XXXX, who stated he is the manager of XXXX XXXX XXXX XXXX XXXX, today XXXX XXXX at XXXX XXXX PST and he stated that the collections company does not own the account even though they are the only one reporting to my credit reports and that they are going to serve me with papers and that they have the legal right to pursue tax return offsets and wage garnishments prior to a judge hearing the case. The phone number for XXXX XXXX XXXX XXXX XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX OLD Address : XXXX XXXX XXXX XXXX XXXX al XXXX NEW Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX On XX/XX/XXXX, I received a letter in the mail concerning the unauthorized inquiries on my account. The account in question has been resolved. You did not provide me with the information that was asked for which is " can you provide me with a description of the procedure used to determine the accuracy and completeness of the information? Including the business name and address of any furnisher of information contacted in connection with such information and the telephone number. '' You did not do a proper investigation into this claim once again because these accounts are unauthorized and have not been fact-checked. Equifax you are the only agencies that have not removed these errors. It is your due diligence to do a proper investigation. This will be my last notice before taking this to litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Denefits LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I enrolled in a weight loss program in XX/XX/2020 that was supposed to cost around {$2600.00}. The group had me signed up to make installment payments through Denefits, but the cost is not coming down. I have already spent {$3400.00} ; the payoff amount is over {$2600.00} ; it was explained that my payments would go toward the balance ; it does not appear that that is happening. The products never worked after 30 days of use. I called several times to explain the diet wasn't working. In XX/XX/2020, I was told to eat a bag of green apples to help jumpstart weight loss, but nothing happened, which by all accounts, was a ridiculous recommendation. I have decided not to pay this company any more money primarily because of what I spent so far. I am getting at least 20-30 harassing phone calls a day about payments. I have paid for this program even though it did not work.

Company response to consumer: Closed with explanation