BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: CA
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:
My information was sold and brought illegally because I was a victim of the Equifax data breach. I want theses items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
Reached out numerous of times to dispute the inaccuracy being reported on all three credit bureaus by asking for a good will adjustment due to the inaccurate payment history, being displayed and reported differently on all three reports my request was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TX
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 received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.SC. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Pursuant to Federal Rules ( 1002.14 ( a ) ( 1 ) - Equal Credit Opportunity Act - A borrower is entitled to a copy of the property evaluation or BPO in connection with a loss mitigation application. 

Rushmore believes that the Federal Rules does not apply to them. Their representative continue to defy the request and are now in violation of the above mentioned Federal Rule. Rushmore has engaged in Unfair Business Practices and should be sanction. There is no one above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
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:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: DE
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite my previous disputes and your assurances, fraudulent accounts continue to plague my credit history. Your lack of competence and inability to rectify this situation promptly is both distressing and unacceptable. You are making fun of my distress as some of the fraudulent accounts were deleted previously, and then you listed back the accounts again. Clearly, you are violating the FCRA as you failed to provide accurate information consistently. 
Account Information : Creditor Name : XXXX XXXX PLEASE DELETE!!! 
I am formally disputing the presence of fraudulent accounts on my credit report. It is incomprehensible that, despite my repeated efforts, these inaccurate and damaging entries persist. Your agency 's failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) is not only inexcusable but also indicative of a systemic failure to report accurate information. 
I am left with no choice but to express my dismay in the strongest terms possible. The impact on my financial life has been substantial, and your lackadaisical approach to addressing this matter only compounds the distress I am enduring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I sent XXXX dollars to a friend in XXXX via westernunion.com on XX/XX/2019 and received a call to verify some security questions. The westen union caller  notified me that the transfer was approved and the money was debited from my account. Later that day, I was sent a request to provide the receivers ID and the money was put on hold. Due to urgency and limited communication with the receiver, this wasn't possible to provide. The website lets you view the transaction and resend ( button that says edit and resend ), I attempted to do this for half of the amount to see if it would go through but the edit and resend started an additional transfer, thus debiting my account without calling me for security purposes like the prior time. I called several times, one time the customer service agent pretended that he couldn't hear me, the other a lady did not speak English well enough to carry a conversation, and the last stated a form would be sent for a refund to my email. The email eventually came but now required the receivers identification and place of birth to issue a refund. With international money transfers I expected to be scammed by the receiver not by the company transferring the money ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CT
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:
Pursuant to is uses, Is owe no debt, this company is violating my consumer right to privacy pursuant to is use 1681 b 2 company has also No permission to report any of my information pursuant I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-08-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, my phone was stolen and was being used for unauthorized purchases using apps that were on my phone. I received an email and was able to use a computer to deny one transaction. That same night I was XXXX and taken into XXXX. I spent about four months in XXXX XXXX I was released on XX/XX/XXXX. While in XXXX I still had direct deposit from my employers. Two paychecks had been deposited while I was in XXXX On the XXXX of XX/XX/XXXX, I went to a Chase bank to see if any of transactions actually went through. Unfortunately, many fraudulent charges had gone through using my XXXX, XXXX, XXXX, XXXX, XXXX and XXXX accounts. I explained to the banker my situation and that all those purchases were unauthorized. At that point my account was already closed due to being overdraft by- {$1000.00}. She attempted to call the fraud department to get my situation resolved. I was asked to provide proof of me being in XXXX. At that point, I talked to my lawyer and was able to get a print out from the court proving that I was in fact in XXXX from XXXX of XX/XX/XXXX to XXXX of XX/XX/XXXX and could not authorize any activity. I also called the app companies to make them aware of the situation so that they could create an investigation and help my banks to determine that it was fraud. I also filed a police report. I was later contacted by the apps individually that those were indeed fraudulent charges and that they would let the bank know that the money would be returned. Chase then sent me a few checks with only a portion of what I had in the bank without any proper explanation. On the XXXX of XX/XX/XXXX I went to Chase to see any updates due to the checks arriving in the mail. I figured the rest of the money was still being sent by mail. The bankers then called the fraud department and were told that all the charges were determined to be authorized and that there was no fraud. The only explanation I was given was that I authorized the purchases over the phone during the time I was in XXXX. With the money I had prior to my XXXX plus the two paychecks that were from direct deposit, I had a total of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: GA
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 filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible XXXX XXXX XXXX XXXX XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: IL
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, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states i have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: MOHELA
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a Spousal Consolidation Loan that was serviced by XXXX for over a decade where I applied for the XXXX under the limited waiver. Until last week, I did not receive any information about my application until I submitted a CFPB complaint asking for a status of the loan. I'm a co-signer on the loan. This should not limit XXXX forgiveness because the XXXX of the United States signed a law that allows for these loans to be split and also forgiven under the XXXX program. XXXX did not forgive my portion of the spousal consolidation loan and instead stated that the loan was transferred to a new servicer, XXXX  in early XXXX. When I contacted XXXX, the new servicer, the company ( XXXX  ) stated that MOHELA XXXX XXXX. The primary signer on the loan and I divorced in XXXX, XXXX. I want the loan separated back out according to the law that the XXXX signed last fall. I also want my portion of the loan forgiven through the XXXX program since I have met all the requirements for this. I have been serving in the XXXX XXXX since XXXX of XXXX and have applied several times for forgiveness through this program. I'm also ONLY concerned about the spousal consolidation loan for the program ( not my graduate loans that are zeroed out ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is the 2nd complaint that I have filed regarding the same issue. Approx. 3 months ago I filed a dispute with Capital One in the amount of XXXX on or about XXXX XXXX, XXXX, I provided Capitol One with all of the information that they requested to support my dispute. I went as far as to provide the manifest from the auction site that clearly shows the amount for this auction was inflated to mislead the bidders of the true value of the merchandise. Furthermore, when I received the merchandise there were missing items, and almost all items were damaged and had no value. In XX/XX/XXXX  Capital One responded to my 1st complaint with the Consumer Financial Protection Bureau, stating that my original dispute had been denied and then I reopened it. That is a false statement, I was never notified that a decision had been made on my dispute. The last communication I received was in XX/XX/XXXX  when I requested an update, stating that there was no update because it was still under investigation. Capital One for whatever reason has not given my dispute the attention it deserved. I have lost all confidence in Capitol One. I am also requesting this complaint be forwarded to other regulatory agencies for their review.

Company response to consumer: Closed with explanation