BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: FL
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 XXXX accounts as follows # 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 a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, 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 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 : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 non-monetary relief
Consumer complaint received 2023-02-06
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: Account information incorrect

Complaint:
on XX/XX/XXXX I filed a dispute with all three credit agencies asking for an investigation about the balance reported incorrectly, the close date missing, the date of the last payment missing, the charge-off amount was reported to Equifax XXXX and reported to XXXX & XXXX for {$2900.00} after this account was charge-off and closed on XXXX for the amount of {$2400.00} on XXXX, the company illegally add an extra {$480.00} dollars after requesting proof of payment history, the company sent me a transaction history with no explanation or record of the added {$480.00} dollars and all the extra data for the payments missing. 
XXXX XXXX has reported my account XXXX times 90 days late to Equifax and XXXX I need to find out what happens with all the data for payments that are missing in XXXX, XXXX, Equifax please help me resolve this abuse by this company and make sure the information is reported 100 % accurate. 
to all of the credit agencies. sorry about my grammar but XXXX is my second language I will attach a copy of all three credit agencies ' reports for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: WI
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: Problem with personal statement of dispute

Complaint:
This complaint is regarding an account on my credit report from XXXX XXXX XXXX XXXX of {$10000.00}. I sent my first letter to Equifax on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Equifax is unable to provide a copy of verifiable proof. Their response was that the account is verified, without hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to Equifax asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account and receive same response- verified without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Equifax because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Equifax did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Equifax because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. The letters, and the proof of return receipt will be attached with this complaint. 

This has put a stress over my life in a very negative way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX my bank account with Capital one Bank was closed WITHOUT ANY PRIOR NOTICE that I was being investigated and in jeopardy of having my account closed. They tell me that the sent a email on XX/XX/XXXX but I did not receive any email from them regarding this matter. 
I was a member of this bank for over 15 years and am very upset at this happened. I am more upset of the lack of care and notice that was given to me. I am a retiree who only receives a monthly check that does not fulfill all of my monthly cost. With the way that this matter was handled by Capital one I was unable to pay my XXXX bills nor purchase food. I know that I will eventually receive my funds, but Capital one has blocked me from my money until they mail it to me and can not give me any indication of when that will be. This in inhuman. I have done nothing wrong but I am being treated as nobody. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Capital One Bank has made me feel extremely violated. 
I am not sure what can be done, but I needed to report this treatment. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX-XX/XX/XXXX I've sent 4 separate letters to each credit bureau XXXX, XXXX, and Equifax asking that they provide me proof of an account on my credit report. Since they have not provided me proof. I've asked them to remove the account. As of the time of this writing they have not removed the adverse account. 
It was my understanding that under SECTION 609 of the Fair Credit Reporting Act, that the credit reporting agencies are suppose to provide me a copy of the original contract that I signed and as the credit reporting agency they are supposed to have. I mean, if they are verifying the account as being valid/correct then they, by law, are supposed to have a copy of that contract to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: MI
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX 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 2022-11-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Ive noticed my minimum payment increase dramatically, I reached out and received different replies. They range from the rate doesnt go down to the rate increases evethough the balance decreases. I was just told the rates the same as when I opened this account which is false. I asked why would XXXX XXXX, XXXX  and XXXX slow me to file and be granted a rate reduction but they wont allow even a request. 
Unfortunately I feel this lending practice is strange.

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 2023-04-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX My only date of birth is XXXX You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-04-07
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$2700.00} CREDIT COLL XXXX XX/XX/XXXX {$530.00} CREDIT COLL XXXX XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was the victim of fraudulent activity from someone posing to be a company and led me to pay for a service that I never received. I paid a total of {$4000.00} via XXXX. I called chase to open a claim and they told me they can not help me and closed the claim. I also called XXXX and they said I have to call chase. They did not help me and these people are still out there scamming other people because nothing had been done at all. The recipients have disappeared XXXX payments were made to a XXXX XXXX On XX/XX/2022 for {$2000.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XX/XX/2022 for {$500.00} XXXX XXXX for {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am filing this complaint against Wells Fargo bank because on XX/XX/2023 I checked my Wells Fargo checking and saving accounts I noticed multiple unauthorized transactions. An unauthorized person was able to login into my account # XXXX and transfer a total of {$8000.00}. There was also multiple wire transfer from my saving account # 1937, {$30.00} was transferred 4 times to an unknown person, {$4600.00} was wire transferred to XXXX XXXX to XXXX XXXX, {$4800.00} was wire transferred to XXXX XXXX to XXXX XXXX, {$4800.00} was wire transferred to XXXX XXXX to XXXX XXXX, and {$4800.00} to XXXX XXXX to XXXX XXXX. There was also a XXXX to XXXX XXXX in the amount of {$830.00}. The bank has closed the account due to someone having access to the account. 
I called Wells Fargo several times to open claims, never investigate the claims, and they closed the claim without investigating them. They didnt investigate to find XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX , and XXXX XXXX , Instead, they try to accountable me for a total of {$28000.00}. 

I have a police report from XXXX Police Department, case # XXXX. The police report is available upon request.

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 2023-04-11
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Home Point Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company, I believe, is duping customers by charging a late payment fee whenever a change is made to the AutoPay process. They have already charged me twice to the tune of over {$160.00}. I strongly believe that this a fraudulent practice that must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: WI
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: Problem with personal statement of dispute

Complaint:
This complaint is regarding a collection account i have on my credit report from collection agency XXXX XXXX, XXXX of {$750.00}. I sent my first letter to Equifax on XX/XX/XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding XXXX XXXX XXXX XXXX account reported on my credit report. Under the FCRA, unverified accounts must be removed if Equifax is unable to provide a copy of verifiable proof. Their response was that the account is verified, without any hard evidence going all the way back to the ORIGINAL creditor. The verification was from a third-party database. 
On XX/XX/XXXX I sent my second written request to Equifax asking for a description of the procedures used to determine the accuracy of this account. they did not provide me with any hard copy documentation showing that they properly verified this account and under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to " promptly delete all information which can not be verified. '' They did not delete the account and receive same response- verified without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Equifax because the account still remained on my credit after the first 2 letters sent. I asked them to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, Equifax did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my 4th written letter to Equifax because the account is still on my credit report unverified. Again i did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them. 


This has impacted my life in such a negative way, not being able to qualify for credit or buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
chime bank took money from my account on XX/XX/2023 and on XX/XX/2023 I asked chime bank on XX/XX/2023 to give me back my funds cause i never authorized any transaction with a company called XXXX I have no idea who they are at all. chime said they will look into it. but then abruptly denied my claim ( XXXX ) without investigating anything. chime said they will send me a new debit card. funds in the amount of {$19.00} twice unathorized. they owe me {$39.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I accepted a no interest offer from the company ( USAA Federal Savings Bank, Credit Card Services ). The statement does not list items for interest bearing amounts vs interest free amounts. 

Phone 1 : XXXX? I called the company to identify the amount I had to pay to not get charged interest ( the purchasing amounts ) and the discrepancy I was not seeing on the statement. I was told the purchase amounts was applied as the same interest free as the transfer balance. 

Phone 2 : XXXX? I called the company when I saw an interest amount charged. 

Phone 3 : XXXX? I called the company when I saw an interest amount charged. I asked them to notate the XXXX XXXX and requested why the interest was charged.

For the next payment, I paid the balance on all purchases plus additional money to see if there would still be an interest charge. This statement came in today and there was an interest charge.

I do not thing they are applying the payment correctly as I understand the mandated parts of the XXXX  and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation