BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: WI
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:
I've called all three bureaus on XX/XX/2003 to dispute the inquiries that are reporting on my credit report, and to no avail my requests have been ignored. I've mailed letters certified mail, XX/XX/XXXX to XXXX ( tracking # XXXX ) XXXX ( Tacking # XXXX ) Equifax ( Tracking # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: JPMORGAN CHASE & CO.
State: SC
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:
I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed some late payments posted on my consumer report : JPMCB CARD SERVICES XXXX JP MORGAN is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( JPMCB CARD SERVICES ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Therefore, I sent them a certified letter on XX/XX/2023 along with a copy of my drivers license and a copy of a utility bill to verify my identity. 

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

I provided them 10 calendar days to update my Payment history and or delete all late payments from the below account/s. They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: ARVEST BANK GROUP, INC.
State: OK
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:
An unauthorized withdrawal of {$1200.00} was taken out of my account on XX/XX/XXXX ( see exhibit A. ) without my permission through Arvest Bank. On Friday XX/XX/XXXX I went to Arvest Branch # XXXX XXXX & XXXX, XXXX Oklahoma XXXX to resolve the matter, was told by an employee that another Arvest employee must've input a wrong number and that the money would be back in my acct. by Monday XX/XX/XXXX, she wrote up a complaint I signed it and was given a copy ( see exhibit B. ). On XX/XX/XXXX. I received mail from Arvest stating that an adjustment has been made to my account balance and that they became aware of an error involving my account on XX/XX/XXXX, and that they were decreasing my acct. by {$1200.00} ( see exhibit C. ). being that I just opened this specific account on XX/XX/XXXX ( see exhibit D. ), I knew that the mailed statement was false. On XX/XX/XXXX I went into the XXXX XXXX & XXXX XXXX, XXXX, Oklahoma XXXX, with the mailed statement asking for the proof of this withdrawal " XXXX XXXX '' said her mgr. was not in the bank and she called out for help and was inquiring about the situation and neither of the 2 were able to find anything. After searching for a little " XXXX XXXX '' explained to the lady on the phone that she had located the discussed transaction and began speaking to me again, I asked for a copy of this information and she was like sure, she came back with a copy of a transaction log summary list, with this copy there was a list of other customers information ( 11 ) customers to be exact all in a row each with {$1200.00} transaction amts. showing on all ( 11 ) individual accts. She explained that only the highlighted row was pertinent to my acct. I disagree with the statement reasoning with the fact that I never authorized this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX : This account was disputed on XX/XX/23 and XX/XX/23. They have not investigated. Date opened is wrong. High balance is wrong. Account rating is wrong. Payment status is wrong. Date of last activity is wrong. Past due 30 days and 60 days is wrong. Date of last payment is wrong. They have no entered a notice of dispute. This account needs to be dealeted immediately. 

US DEPT ED - XXXX : This account was disputed on XX/XX/23 and XX/XX/23. Account type is wrong. Open date is wrong. There is no notice of dispute entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other XXXX bureaus report no late payments. Date of last payment is wrong. Updat account to NEVER late pays as Agreed. 

US DEPT ED - XXXX : This account was disputed on XX/XX/23 and XX/XX/23. Open date is wrong. Terms are wrong. There is no dispute notice entered. Date of last activity is wrong. XXXX reports 40 90 day late payments. The other XXXX bureaus report no late payments. Date of last payment is wrong. Update account to 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is showing a fraudulent account on credit report which is illegal also allowing for business records to be falsified a fraudulent name was added to my credit profile without my knowledge or notification account should be deleted immediately as it 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
IC SYSTEM INC REPRESATIVE TOLD ME I HAD AN ACCOUNT WITH XXXX XXXX IN XXXX LOUISIANA. I TOLD THEM ITS FRAUD I NEVER BEEN TO XXXX AND DID NOT GIVE NO ONE PERMISSION TO OPEN IN ACCOUNT AT XXXX XXXX XXXX XXXX LA. XXXX which is on my credit report.

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 2023-08-10
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XX/XX/XXXX XXXX XXXX {$9000.00} XX/XX/XXXX I been disputing these fraudulent inquires and accounts since I discovered I was a victim of identity theft. Nothing is being done. I never did business with these companies nor have any knowledge of them. I didn't give these companies permission to use my information. I have filed in person police reports. I believe it might be a family member using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
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:
I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I seek a clearly defined timeline for resolution and regular updates on the progress of my dispute. XXXX XXXX  XXXX As a consumer, I firmly believe that it is my right to have my concerns addressed in a timely and diligent manner. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served. I trust that this letter underscores the urgency of my situation. I eagerly anticipate a swift resolution and the restoration of my financial stability and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USBank has a wrongful practice of unjustifiably withholding consumer funds for XXXX full business days based on spurious claims of suspicion of fraud, or that the check will not be paid. I have banked with them for decades and no deposited check has been rejected. But every time I deposit a check of more than a few XXXX dollars, they put a hold on it. 

On XX/XX/28, I deposited a $ XXXX check into checking to transfer to my line of credit to pay down my balance due to the very high interest rate that applies to that line. But USBank notified me that there was a hold, so I could not transfer the funds to pay down my line until the hold was released. I explained that the check was written from my and my husband 's joint account at FirstBank, and that we would be happy to send a copy of our statement to prove availability of funds, but they were uninterested and they refused to lift the hold. 

This is the XXXX time US Bank has done this for no reason other than to retain control of funds that do not rightfully belong to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting a charge off for XXXX XXXX XXXX That same reporting that is listing the account as a charge off also shows a balance of XXXX. The account itself was not mine to begin with. But there is clearly a flaw in their investigation when the account shows XXXX charge off and an amount of XXXX. If there is no money owed on this account, it should not be listed as a charge off. You cant have a charge off for a XXXX dollar amount. Every time its updated theres a different remark with another item that is incorrect. As a matter fact, the trade line is now showing a charge off for the month of XX/XX/2023. When prior to this this account was many years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: DISCOVER BANK
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Discover said " Customers who are experiencing financial difficulty caused by the spread of the COVID-19 [ virus ] may receive assistance that can include support related to payment timing, fees and late payments, '' Discover tells XXXX via email. Relief may include what the issuer calls " skip-a-pay payments, '' which are the same as deferred payments ; these allow qualified cardholders to miss payments for a time without negatively impacting their credit. '' I had a hardship on my account due to COVID. I no longer owe Discover any money, yet I am still being penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-08-09
Company: Aargon Agency, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 On these dates, the company contacted me regarding a medical debt. I told them i am not verifying anything, send me the itemized bill and the have not. I told them to stop contacting me and they keep calling. 
They keep calling from 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 2023-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon careful review of the Consumer Credit Report, Pursuant to title 15 1681 ( a ) ( 2 ) exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX 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 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 2023-06-21
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: Old information reappears or never goes away

Complaint:
I have called XXXX at least three times to have all fraud and freeze alerts removed. 
I called XXXX on XXXX and advised him to remove the fraud/freeze alert, suggested it was done, and got a postcard showing that it was added on XXXX. I called the same number on XXXX again and spoke to XXXX, was advised that I was done, and just got a letter today dated XXXX that it was added and that Equifax and XXXX would be alerted to add it as well. I called today same number and spoke to XXXX, I asked for a manager, but he never got one, and he was insulting and over-talking me ; he stated he did not show one and said I would get a letter saying it was one, although it is not. I have the notes, postcards, and file numbers that I will attach. I want to ENSURE that there is NO FRAUD/FREEZE on my credit file at any credit reporting bureaus. I have been challenging old and wrong items on my credit and keep getting pushed back since XX/XX/2023. This has caused me time and money on postage, printing paper, ink, and sanity. I want a letter via regular mail from all three advising me that this has been taken care of and the customer service agents WROTE up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions 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:
On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies XXXX, Experian, and XXXX in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.

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 2023-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666b 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: In progress
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or 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 2023-05-09
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX chime bank allowed four different banks to link to my account transferring my money in my credit builder account and savings account to my checking. I was given back over {$20000.00} but five transactions were done in another state. They have been refused equaling XXXX something dollars and XXXX or XXXX is just gone no ones addressing that, I was waiting for them to get that fixed. She take my money out of the bank XX/XX/XXXX. My account was hacked again by four banks being linked to my account. Chime gave me {$17000.00} and at the same time the banks link back to my account Chime, close my account all three and told me I was the reason due to I didnt follow their policy in deposits, I have work XXXX XXXX for the XXXXXXXX XXXX XXXX XXXX  that is the only deposit Ive done. I had an account with XXXX. It got hacked the same way I just spoke to the detective on the case he is willing to talk to you I have his direct number just reach out to me. If you need to speak to him I can not get anyone from Chime to give me my money back to give me any answers. That was my mortgage. Im going to lose my home I really need your help Im begging you.

Company response to consumer: Closed with monetary relief