BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting un-verified accounts on my credit report.I have no knowledge of these alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: JPMORGAN CHASE & CO.
State: IL
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/2020 I noticed 3 XXXX  transaction charges on my account all to the same number, totaling {$4000.00}. When I noticed this I immediately contacted chase to tell them I did not authorize any of the transactions and that my account was now overdrawn by {$4000.00}. I filed a claim with chase. On XX/XX/2020 I received a letter saying they will not give the money back because they think I authorized these transactions, which doesnt make any sense at all. Im not sure what they looked at to determine I authorized the transactions, but it doesnt matter because I did not do this. With a global pandemic and being a XXXX XXXX XXXX with two jobs, I can not afford to be {$4000.00} in debt for money that I did not transfer. I can not even receive my paychecks for my jobs because my direct deposit is wired to my now locked account, & theres complications with editing my direct deposit info with both jobs. Thanks to Chase, my account is now locked, and my account still overdrawn my {$4000.00}. I have been trying not to panic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
This is stopping me from getting a fair line of credit for credit card, loans or a XXXX XXXX. is been closed since XXXX is over seven years old but is still furnished to anyone without my consent. 
XXXX  XXXX XXXX # XXXX closed XX/XX/2014 Dept of EdXXXX XXXX XXXX XX/XX/2014 Dept of Ed/XXXX  XXXX XX/XX/2014 XXXX 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 1681 c ( 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 1681 s-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 2023-09-19
Company: RGS Financial, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Complaint Regarding XXXX 's Sale of Account to RGS - Request for CFPB Intervention Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX for selling my account to RGS, a third-party debt collection agency, without proper notification or authorization. Despite my attempts to address this issue directly with XXXX, I have not received a satisfactory resolution. Therefore, I am seeking your intervention and assistance in resolving this matter.

Incident Details : 1. Account Sale to RGS : - XX/XX/2023 - Account Number : XXXX RGS Reference : XXXX The unauthorized sale of my account by XXXX to RGS is a clear violation of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations. This action has caused significant distress and concern, as I did not authorize or consent to the transfer of my account to a third-party debt collection agency. 

I urgently request the following actions from the Consumer Financial Protection Bureau : Conduct an immediate investigation into XXXX 's unauthorized sale of my account to RGS without proper notification or approval. 
Ensure that XXXX provides an immediate and satisfactory resolution to this matter, including reversing the account sale and terminating any collection activities by RGS. 
Require XXXX to provide written confirmation of the unauthorized account sale and any related documentation.

Direct RGS to cease all collection activities related to my account until this matter is fully resolved. 
Take swift and appropriate enforcement action against XXXX for their violation of consumer protection laws. 
Provide me with regular updates on the progress of the investigation and resolution of the complaint. 

I deeply appreciate the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and ensuring fair practices in the marketplace. Given the urgency and potential harm caused by this unauthorized account sale, I kindly request your immediate attention to this matter and your swift intervention to rectify the situation. 

Thank you for your prompt consideration of this complaint. I eagerly await a resolution to this distressing issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXXXXXX 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 2022-12-16
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20
Company: EQUIFAX, INC.
State: GA
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 the list of accounts below have violated my federally protected consumer rights To privacy and confidentiality Under 15 USC 1681 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

None of these companies had XXXXXXXX XXXX written consent to report 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Information excluded from consumer reports Except as authorized under subsection ( b ), 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. 

Accounts that need to be removed below Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Venmo froze two accounts that belong to me and asked me to verify my identity, suggesting that was all that was required to reactivate my accounts. After doing as they asked, Venmo permanently suspended both of my accounts and stole {$830.00} in total from me. Venmo refused to give me a reason for doing so, or any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone tried opening a fraudulent Bank of America account in my name initially in XX/XX/XXXX with an incorrect address. Thankfully I had just changed my address so the post office was able to send a document to me stating the type of account and the account number. I got through to Bank of America 's fraud department and had the account closed and thought that was it. However, on Saturday, XX/XX/XXXX at XXXX I received an email about an online account opening. I made it very clear with them the first time around that I am not interested in banking with them in the future ever. One email was sent welcoming me to online and mobile banking and shortly afterwards I received another email stating they are unable to open the account. I figured it was probably flagged due to the incident a few months ago but since I do not have an account number nor access to one I can not get ahold of anyone to report the fraud attempt. Therefore I am reporting it here and want it to be known that I NEVER want to bank with them and they need to increase their security and reduce their fraud especially with it happening again so soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: CO
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The 3 Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts were listed on my credit report as late and they were never late. These accounts are current and up to date. This is hurting my credit. This is a violation of the fair credit report act section 1681b. 

XXXX XXXX XXXX  Date opened XX/XX/XXXX {$630.00} Listed as 30 days late. 

XXXX XXXX XXXX Date opened XX/XX/XXXX {$360.00} Listed as 60 days late. 

XXXX XXXX Date opened XX/XX/XXXX {$870.00} Listed as late 60 days. 

These accounts were never late.

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 2018-09-11
Company: EQUIFAX, INC.
State: GA
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:
I have contacted Equifax and disputed this false account with Equifax several times and this account is still on my credit report. Equifax is reporting I opened an account with XXXX XXXX ( which we all know is a junk buying/old scam company ). I never signed any agreements with this account. XXXX XXXX has created fake documents to include a fake account number and a fake balance. I would like for this account to be removed from my credit report asap Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: NAVY FEDERAL CREDIT UNION
State: PR
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:
Subject : XXXX XXXX and XXXX XXXX  Dispute XX/XX/2023 Navy Federal Response XX/XX/2023 : Thank you for using Navy Federal 's eMessaging service. Your documentation has been received and reviewed. To move forward with your claim, we will need a credit acknowledgment or cancellation request. If you have any questions, please contact us at XXXX. 


Your Message XX/XX/2023 : I dispute ALL charges in XX/XX/2023 by XXXX XXXX XXXX XXXX XXXX ) XXXX  ( ~ {$1200.00} + ~ {$290.00} ) for the reasons previously given and supply proof of attempted contact and billing from the XXXX XXXX XXXX which is next door to the XXXX for XXXX XXXX XX/XX/2023. 

In addition, I dispute the ~ {$1400.00} made by XXXX XXXX XXXX  as the space they attempted to rent to me was not suitable for my XXXX XXXX XXXX or any vehicle larger than a compact car File Attachments File Type XXXX XXXX ( XXXX XXXX  ) File Type XXXX XXXX ( XXXX XXXX  ) File Type XXXX XXXX ( XXXX XXXX  ) NFCU RESPONSE : This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: VA
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 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 2023-02-22
Company: Experian Information Solutions Inc.
State: VA
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:
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 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 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 2018-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
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:
Portfolio recovery is showing open collections on our credit reports, we have asked them numerous times to provide us with a signed contract showing they legally purchased any accounts with our SSN. They refuse to provide any information except an old statement from an account that isn't related to them. We demand to see contracts which they can't provide since they don't have them. We also demand that all information regarding this company and their fraudulent activities be removed from all credit reports. We also demand monetary payment for the damage they continue doing to our excellent reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: CT
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:
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 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 explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
During covid we were put on the covid relief plan. My wife knew nothing about this and I was never told it would have to be paid off at the end of the mortgage. I still made the payments. I filed 2 complaints with Wells Fargo and they denied both. We somehow had to owe an extra XXXX that got " put into a 2nd mortgage loan '' that nobody told us about until we were selling the house we find out we owe a lot of extra money and we almost lost everything. There were no phone calls about this nobody called me or told me. My wife knew nothing. Neither of us signed anything. They said it was all done online in my account. That's putting a lot of trust in something online with no signatures or proof

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 2023-08-06
Company: Torres Credit Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company reported a collection to my XXXX consumer report without ever notifying my about any alleged debt. This is a violation of the Fair Debt Collection Practices Act-Failure to notify, and failure to validate. I challenge any and all debt that this collector is attempting to collect.

Company response to consumer: Closed with explanation