BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The following occurred on XX/XX/2018. An advertisement on the online banking portal indicated I qualified for a {$25.00} gift card. The exact wording was " As of your last statement, you've earned enough rewards for a {$25.00} XXXX  giftcard. '' After believing this to be true, I followed the hyperlinked " redeem now '' button, I was taken to a different product or service from online banking called Chase Ultimate Rewards. I attempted to redeem the {$25.00} XXXX Giftcard, and I was, in fact, not eligible. I went back to the regular Chase online log-in to see if I misread it. The same advertisement popped up again, this time for a {$25.00} XXXX XXXX  Giftcard. I repeated yet again and got an advertisement for a {$25.00} XXXX Giftcard. After clicking redeem now and taken to the Ultimate Rewards program, I was not eligible for a XXXX XXXX  Giftcard, and I was only eligible for a {$5.00} XXXX Giftcard. 

I believe this to be a clear case of a deceptive action known as " Bait and Switch ''.

The three prongs of deception are met in this instance : 1. There must be a representation, omission, or practice that misleads or is likely to mislead the consumer.

I was misled to use the Ultimate Rewards program based on a misleading representation. My intent was to use only online banking, and the advertisement lead me to an entirely different program.

2. The act or practice must be considered from the perspective of the reasonable consumer.

Admittedly, I am not a reasonable consumer. However, the advertisement was clear and deceptive. Anybody reading the words " As of your last statement, you've earned enough rewards for a {$25.00} XXXX  Giftcard. '' would believe they have earned a {$25.00} Giftcard to XXXX.

3. The representation, omission, or practice must be material.

This is an express claim about the benefits of Chase 's Ultimate Reserve program. This claim misled me to use a program I did not intend on using at the time. If I was ineligible for the reward, Chase should have stated that fact with the advertisement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am not appreciating the fact they you guys restricted me access to review and submit disputes online. This is a major inconvenience to me as a customer. I should have the same access to all of the benefits and features that comes with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: EQUIFAX, INC.
State: TN
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 want be anymore investigations or disputes in this matter, the fraudulent negative accounts as seen on my credit reports still today [ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX ] are now involved in litigation and will be handled in federal court. Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: CITIBANK, N.A.
State: MD
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:
Im truly dismayed to see that there are SEVERAL fraudulent and unauthorized credit inquiries that I NEVER permitted on my credit report. I do NOT recognize ANY of the following inquiries and I am METICULOUS when it comes to managing my credit and finances. Please REMOVE these unauthorized inquiries at ONCE!

The following credit bureaus are reporting these unauthorized inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ADVANTAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-02-08
Company: ZWICKER & ASSOCIATES
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Consumer Financial Protection Bureau I am contacting you with regards to the matter with XXXX XXXX XXXX XXXX regarding file # XXXX with a debt dated XX/XX/XXXX in the amount of {$19000.00} and all attempts have been ignored. I was on the phone with XXXX when the called to verify during my home refinance and he could not say if the debt was mine or not. This debt does not belong to me and I have made several attempts with XXXX XXXX sending clear explanation as to me being a victim of identity theft. My information was used to get loans and credit cards with many creditors and I quickly tried to resolve this and have not had any luck. The assumption is that my name and other information was obtained to get this but when I last checked if it wasn't't me and someone else used my information then it is clear identity theft. 

I was quick and filed a police report with the XXXX Police Department and filed affidavit with the Federal Trade Commission where I obtained a affidavit number to back my innocence with the assumed debt. I have know knowledge that I ever owned, or opened any account with XXXX XXXX XXXX XXXX and now I am being sent letters from Zwicker and Associates PC that gives me a response date of XX/XX/XXXX as a debt collector to collect a debt that was a part of my identity theft and should have been deleted along with the other things I've been fighting. I have taken every step to fix this with the bureaus and unfortunately, since they are paid to keep negative information they simply stopped my pursuits. I have send my drivers license, social security card etc... only for them to return saying the debt is valid. 

Valid how? I never received any loans or goods from the mentioned company and I need your assistance to please stop any collection and pursuits also to delete the blatant derogatory information from all three bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
A on authorize hard inquiry was made on my XXXX  credit report by Capital One on XX/XX/2018. I have contacted Capital One as soon as I received the alert. I was told someone was trying to open an account but the information was incorrect so the account didnt go through. I was told the hard inquiry removed but it is still on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( XXXX  ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, 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 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX check, written out to me for an unfortunate occur XX/XX/2019 auto accident, compel about {$5000.00} worth the vehicle repairs, was issue to me, and mine primary prospect attend Auto Body Mechanic ; Both names were printed on the check, although soon before, I did in fact, cancel the mechanic work performs regards the " primary shop mechanic '', and since there invoice for attention correct costs apply were malfunction. 
In order later, after the check was issue to me arrived me physical juris., I thought to save time and further inconvenience, apply make new check, at aftermath, shop malfunction event, regards " new chosen vehicle mechanic '', " have the check that was already issue, now, mine possession, " deposited '', into mine bank account, ... withdraw the funds when check clears, and then of just withdraw cash money, physically pay the new auto mechanic '' ; Sirs, after the approx. almost XXXX, check was in fact " cashed '', I did go and withdraw smaller amount of the exclaimed available funds, cash, and then soon later, attempt to gain the remainder, in order to complete pay the new mechanic at facility locate close by, off XXXX XXXX, XXXX, XXXX, as for then, unfortunately the bank informed me that relevant already cashed check had not been honored, and an " hold '' was placed on my account. 
I was caused XXXX, and upset at professional business to loss, by this unfortunate Well 's Fargo Bank 's malpractice event ... '' I call robbery '', by them, since Wells Fargo exclaim `` already clear '' that " insurance check '', provide me cash money, and allow relevant remain money register mine checking or savings account, then claim contrary matter, you ... '' mistakenly '' " cleared '' my check, ... Now then, 2019 you at Wells Fargo steal my money back. This cruel, and unusual, act by Wells Fargo, was outrageous and is unlawful, and now after XXXX XXXX military service detour, allows me be fit ready to further accommodate this acts of robbery by Wells Fargo, I must do so, ... and further request for here assistance by complaint administer to yours Sirs, CFPB, allow enforce justice to here obvious banking, crime.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I paid off my credit card balance of aprox XXXX XXXX short. I expected to get charged 19.99 % interest on XXXX. Instead Capital One chrged me 19 % on my average monthly balance of XXXX even though they only had an over 30 day balance of XXXX I believe this is deceptive and Capital One should change % of balance remaining or % of average daily balance which ever is less. Capital One XXXX XXXX XXXX ID XXXX said she will report it under XXXX but I want to make sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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: Account information incorrect

Complaint:
Equifax Is reporting inaccurate, incomplete, and inconsistent information on my credit report this is a violation of Title 15 1681E " Accuracy of Report ''. " 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. '' This consumer reporting agency is also in violation of USC Title 15 1681i 5 1-2 ( 5 ) Treatment of inaccurate or unverifiable information. " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' If this is true then the following Alleged charged-off account XXXX must be deleted immediately due to being furnished with multiple inaccuracies, it is also incomplete and inconsistent. it showcases Years of late payments after the account was already closed. There should be no late payments reported after the closed date of XXXX This is inaccurate reporting. No Date of last activity is furnished- This data field is incomplete. There is no actual payment amount furnished for alleged the last payment date which is another Incomplete data field. The date of the first major delinquency is inaccurate.the alleged date of first major delinquency is XX/XX/2018 which is 3 months after the account was allegedly closed on XX/XX/2018 this is inaccurate and inconsistent reporting. This consumer reporting agency failed to furnished the date of the first major delinquency was first reported this data field is also incomplete. Also, The payment history Calendar is inaccurate according to this credit reporting agency 's payment history key. The alleged payment history shows 4 Straight 120 's Late payment marks which are not possible nor accurate and is inconsistent with the standard of the Equifax Payment history key.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 15 U.S. Code 1681s2 and 5 U.S. Code 552a, 15 U.S. Code 6802, 15 U.S. Code 6805 THIS IS NOT A DISPUTE.

Im submitting this letter in regards to the negative items reported on my consumer report without my consent. I demand these items be deleted and blocked from reporting and having an affect on my report that Im taking control of from this day forward.

These laws that are attached will help represent me, the living being, not someone who is considered lost at sea.

15USC16930-1 HSR-192 18USC8 12USC411 UCC3-419 UCC1-308 UCC3-603 UCC3-104 31USC23 31USC3123 31USC-5103 XXXX XXXX XXXX. 

XXXX XXXX. 


I do not wish to contract with any of the said above parties, so do the right thing and follow and obey all laws as instructed. 

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

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 2023-04-28
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services in Indiana is laying claim to a debt that does not belong to me. The account was opened on XX/XX/2023. I did not open this account. This is fraud. They have not given me a letter of debt verification or contacted me in any way. This debt collection company is claiming fraudulent debt against my name and it is causing financial harm to me and my family.

Company response to consumer: Closed with explanation