BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
written in and spoke to numerous call center representative to address accounts/information that is reflected on my credit files that do not belong to me have completed and submitted police reports and ID Affavaidts to support claim of no ownership of the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX these accounts are not mine and are invalidly reporting on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: SC
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 sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX  IQ  national data in regards to an account of my they have in collections. I try to inform them that the account is on my credit twice once for them and wants for another company before II contact ikioo national data in regards to an account of my they have in collections. I try to inform them that the account is on my credit twice once for them and once for another company before I can get my story out or my explanation. I was rudely interrupted by the representative who told me that it is not her problem, nor is it her job to figure out why the balance is on my account twice and that if Im not calling to make a payment or to pay the balance off, she has nothing to say to me. I began to tell her that she was acting very rude and ask because she transfer me to someone else. She insist on harassing and bullying me in offending me, telling me that Im the one who has that that I need to have paid not her that is my job to pay what I owe in which I tried to explain to her that I will pay. It wants to matter is resolved she didnt tells me if Im not going to pay the balance then I am wasting her time. Once I asked to be transferred again, she told me And ask because she transfer me to someone else. She insist on harassing and bullying me and offending me telling me that Im the one who has debt that I need to have paid not her that is my job to pay what I owe in which I try to explain to her that I will pay it. Once the matter is resolved she then tells me if Im not going to pay the balance then I am wasting her time. Once I asked to be transferred again she told me that she would not transfer me because she would not allow me to waste anyone elses time she insist that they have tried to call multiple times, and I have hung up in their face which is not true, but I do have their number blocked because they do call me at many hours of the day even when Im trying to explain to them on the phone that I cant pay the balance right now they are very pushy and rude telling me things such as figure it out go out there and find the money. I once again asked to be transferred and she told me that shes not transferring me and if Im not calling to make that payment, then she has nothing else to say to me. Im simply trying to get this matter resolved I have a debt on my account. The same debt is on my account twice for two different companies for two different totals for the same account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
Since XXXX of XXXX Peoples United Bank was required to submit all account information including credit cards with XXXX XXXX XXXX and have failed to do so. They provided a letter to the OOC and CFSP indicated they forwarded the correspondence to XXXX and have responded that I am an authorized user so they can not release the records where my name is listed since XXXX XXXX is the primary cardholder. I have evidence of where XXXX XXXX fraudulently used a Peoples form in XX/XX/XXXX to say I had changed my address in XXXX CT, which he completed and I was living in VA. He used my income to open the account and most likely signed my name as a copy of my license and a XXXX branch employee named XXXX XXXX was in an envelope. With your help, Peoples provided the highly suspicious {$90000.00} worth of individual checks to XXXX XXXX and cashed over 3 years all at the teller counter. According to my friend of 42 years, and Human Resource manager at People United for 30 years, these transactions that spanned 3 years should have been investigated after the 3rd transaction in XXXX that totaled XXXX in cash through an account that was primarily dormant and opened by me and my mother in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Continental Finance Company, LLC
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was given a promotional offer which stated a {$300.00} Dollar increase for my XXXX XXXX XXXX. The offer stated that the offer was already pre-approved. The credit card company and the credit bureau subsequently rejected my request for an increase per agreement.

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 2023-08-14
Company: EQUIFAX, INC.
State: TX
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 in the process of buying a home and upon checking my credit report, there are damages on my credit. According to 15 U.S.C. 1681 law there should not be any damages on my report. This is a defamation to my character. I have tried multiple time reaching out the credit bureaus and the damages were not fixed. I also reached out to the creditors and NEVER received a response and I NEVER gave written consent to report anything on my consumer report which violates my rights!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account name and numbers : DEPT OF ED/XXXX  Account number XXXX, XXXX - XXXX XXXX  Account number XXXX, XXXX XXXXAccount number XXXX,, XXXX XXXX, Account Number XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXXXXXX XXXX XXXX XXXX XXXX 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: Early Warning Services, LLC
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:
I have identified information on my report that are a result of identity theft. The reporting of these information are not related to any transactions by me and is a result of identity theft. PLEASE DELETE following items ACCOUNT NAME : XXXX XXXX XXXX XXXX Routing # XXXX Account # XXXX, Identity Theft ACCOUNT NAME : XXXX XXXX Account # XXXX Routing # XXXX, INQUIRIES PLEASE DELETE ... .XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Dave Operating, LLC
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX I here writing a complaint against Dave bank, first of all I had an account with Dave bank before they made bad decision to closed my account and at that time I claimed a dispute transaction from my account which I didn't use or authorized but Dave bank team members plain on me as an account holder at that time and the transaction money being taken by XXXX and I never had an account or relationship with XXXX but unfortunately the bank that I had an account that time Dave bank plain on me that I have used or authorized the money and I didn't authorize it even I never had any relationships with XXXX that am filling this complaint against Dave bank because they never gave me back my money please am requesting a help from consumer finance to consider my case thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 I went to the XXXX XXXX  to load {$300.00} on my chime Bank account. On the morning of XX/XX/2023 chime closed my bank account due to suspicious activity and certain loads after going back in speaking with the store the employee put {$380.00} into the system to be loaded onto my card but I only received the XXXX I intended to load on XX/XX/2023 the employee that did the transaction informed his manager that he added an extra money onto the transaction which he thought he did but it really didnt happen but in following, the manager called the company that controls the loads and deposits and informed them that I was given extra money which I was not. I have sent emails to chime showing them that I only received the {$300.00} along with the receipt from the store. They have informed me that they will not be returning my remaining phones due to me not following the deposit agreement. Which is False due to the fact that the employee and merchant entered the wrong numbers into the transaction the manager called the company and informed them that I received extra money which I didnt when I sent chime the proof and a receipt of me loading my card with the {$300.00} at the store, they still deny me, saying, Im not eligible for my refund of my remaining funds this whole situation has occurred because the employee the store and the manager had a huge miscommunication between the between themselves and the company that they called I have provided Chime with the email address and phone number of the general manager so he would be able to explain to them that it was a mistake on the store, and the employee not me, but time has decided not to reach out to them, or even make an effort to actually look into this problem they only decide to keep my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I am writing today because BMO Harris Bank is holding over {$11000.00} in a checking account going on 5 months now. 

A very close friend/roommate of mine XXXX XXXX filed for unemployment and he asked me to use my account to deposit his direct deposit to, okay no big deal he does so. BMO then locks my account stating it's fraud I explain the situation to a man named XXXX who works for BMO Harris. Remind you this is on going 5 months now, the gentlemen XXXX who is very very rude and un-kind accuses me of fraud, okay no big deal I can bring XXXX XXXX into the BMO branch and he can explain it himself since that's who the deposit was for he just used my account because he didn't have his own at the time. XXXX directs me to go into a branch with My ID my social security card and Also my friend XXXX XXXX along with his SSN Card, Birth certificate, and ID. I take him to the bank, we do everything all followed along with every piece of his unemployment papers and they FAX it into " XXXX ''. I hear nothing from him, I've maybe spoke to him 2-3 times in 5 months I have spoken with several managers over the phone who work for BMO who also can not get ahold of this guy. There is 2 options legally they have to follow which is, return the funds to XXXX so he can get them resent elsewhere OR they have to mail me a check with my account balance. 5 months for nothing to happen is outrageous, thanks

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 monetary relief
Consumer complaint received 2022-12-26
Company: Self Financial 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:
Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a CitiBank account for {$3500.00}. This debt was purchased by XXXX XXXX a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to XXXX was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.

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 2022-12-26
Company: EQUIFAX, INC.
State: MA
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. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ...., Account name : XXXX XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXXXXXX... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXX # XXXX .... 
Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX .... 
Account name : XXXX XXXX XXXX XXXX # 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 an 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 XXXXXXXX XXXX 

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 2021-10-19
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: Information belongs to someone else

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

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation