BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
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: Their investigation did not fix an error on your report

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 XXXX 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: EQUIFAX, 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:
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Grain Technology, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have tried numerous times to contact the company in regard to my issues. 

My first issue was needing to change my linked bank account since the one on file was in the process of being closed.I reached out on XX/XX/22, XX/XX/22, XX/XX/22 requesting the link and permission to change my bank account. I received automated messages stating id be contacted in 2 business days. I received no response. Payments were still being taken from my bank account. Out of no where the terms and services changed and I was charged an {$80.00} annual fee. It wasnt until XX/XX/22 and after you all reported to the Credit bureau that I was able to finally receive the link to link my new other account. 

My current issue is I was randomly asked to submit verification of my identify to the company via the app. I was asked for a picture of my social security number, front and back photos of my government I.D, and a photo of myself by XX/XX/22 or I would be unable to access my money. I felt uneasy but still submitted this to you on XX/XX/22. I was told it would be a 5 day verification process. Today I write to you on XX/XX/22, 11 business days later, because I am still waiting to be verified. I am in dire need of access to my credit. Please understand the inconveniences has put on myself and others!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I asked this company to send me any proof of my signature that I made for this inquiry/collections account made in my name I send a paper that my identity and information may have been stolen from the hospital I was in and they still havent send anything showing I was the owner of that collection or inquiry so Im demanding they remove this from my credit report because its hurting my score and stoping me from reaching my financial goals

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Wednesday, XX/XX/XXXX at about XXXX pm, I received an email from Wells Fargo that a wire transfer in the amount of {$22.00}, XXXX had been initiated on one of my Business Accounts. I immediately called Wells Fargo. I was on hold for XXXX minutes awaiting service due to " unusually high call volumes ''. Once connected I asked for a fraud representative. I told the man, " XXXX '' that I had not approved this wire transfer. He attempted to stop it as it was " in progress ''. He thought he had stopped it but handed me off to a more senior level fraud person, " XXXX '' who told me it was not in progress but had been completed. The fraud transaction was likely happening while I was on hold. I have never run a wire transfer out of this account, I only use it to hold funds, then transfer them to another account for wiring. I immediately filed a claim and they told me I would have to wait ten days for a decision. I received the decision today, XX/XX/XXXX, denying my claim and advising me that either I did the wire, or someone using my password and username did the transfer. Of course someone had my password and username, but their algorithms should have caught the transaction as it did not fit with my profile and was obvious 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 2023-10-25
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit 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:
So I opened a claim on XX/XX/2023 for the amount of {$430.00} whereas I returned some products but was never refunded. On XX/XX/2023 I noticed that my account was deducted the amount and I called the bank to find on which grounds was my claim denied. The first agent I spoke to told me that the merchant policy states that it doesn't matter if I return the products or not, they have the right to not give me my refund. So, in this case, I am out of money, and the merchant ( XXXX ) gets to keep the products that I returned. I tried to explain to the agent that this made no sense and that I should be entitled to get back my money but she started shouting at me and talking over me stating that what I was saying did not matter as I should have known this would happen the moment I made the purchase then she hangs up the phone. I called back again and spoke to a supervisor who gave me a different story saying that the merchant showed them that the package weight was less than what they sent me so they are not going to give me any money at all. I tried to explain to the agent that even when I send packages XXXX or XXXX doesn't always weigh the package but she told me that they can't reopen the claim or assist me any further then proceeded to insult me in a polite way then the call ended. So now I am out of my money, this is not what I expected from Chase Bank. I will close my account pretty soon as I am sure they have violated my consumer rights. I REFUSE TO BELIEVE THAT I AM NOT ENTITLED TO MY MONEY AFTER MAKING A RETURN, THIS IS RIDICULOUS Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
There was no box for exactly what TD Auto Finance is doing. This is for Vehicle : 2021 XXXX XXXX XXXX, Account # : XXXX. 

I signed up to use AutoPay for my new car loan and then wanted to verify that the the initial loan amount was what was on my contract and could not see that information in their online system, nor could I view statements. I messaged them online and they kept saying they were attaching documents but they did not, so I would message and request again and finally 2 calls back but the rep did not identify who she worked for ( XXXX XXXX ( SP? ) XXXX or what options to push when I called back - there was no option to connect to her extension on the number she gave me to call back to. 

Finally when I messaged back and said I was filing a complaint a supervisor called and said in order to be able to view/see my account detail online I could not be enrolled in Autopay, so she removed me and then informed me that I would have to manually make payments if I want to see my account detail online at any given time. 

Trying to view statements after the supervisor removed me from ebilling I am greeted with this message - so I still can not see my statements : eBILL STATEMENTS SUMMARY ACCOUNT : XXXX Congratulations! You are eligible to enroll in TDAF 's eBill program. Please click " Sign up for eBill '' below to continue. 

Feel free to contact us if you have any questions about the status of your account. 

I should not have to go back to having to send payments in via the troubled USPS just because their system is not set up to allow a customer at any given time to see their loan information. This HAS to be in violation of some consumer finance policy!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: IA
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: PA
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:
The credit bureaus stated XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the highest balance is inaccurate, and the date last reported is accurate. This is ground for removal.

T hey also violated my rights under 15 U.S.C 1681 Section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2021-05-31
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved. I am submitting this complaint on behalf on myself. I sent a letter about validation of debts. Consumer reporting agency have not carried out their responsibility ordered under the law. They are in violation of 15 US Code1692 ( g ) ( a ) ( 5 ). I request for them to send the original documents from creditor. They have not provide no information to me about no original document I have sign. Section 611 ( a ), it is explain that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report. It has been more than 76 days so they have to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: GA
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:
Please delete these fraudulent Inquiries and accounts from my credit report. I have included the Identity theft report as well. 

Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-11
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance to the fair credit reporting act, XXXX XXXX XXXX ( account 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 : states a consumer reporting agency can not furnish an account without my written instructions. 
My Experian account decreased XXXX points in relation to this collection report. I have never received written notice from XXXX XXXX XXXX or any other communications stating that I owe them a debt. This cheated me of the opportunity to address the matter before it adversely affected my credit score.

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 2022-01-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My dad got in apartment/ home in his name when I was under age XXXX but he had to list his children in the lease since we would be living there as well. I am not sure what happen but they also put this apartment on my credit even though I wasn't the lessee as I am not responsible for this debt and should not be on my credit and it has been sent to a collection agency. I have made many attempts to remove this dept with no progress made. Please help as I am a young man trying to excel in life, I pay my debt. 
Creditor XXXX XXXX XXXX XXXX  Apartment account # XXXX account type : Collections Bureau Code : Joint date open : XX/XX/XXXX on XXXX, XXXX XX/XX/XXXX Balance : XXXX Payment Status : Collections/Chargeoff last reported : XX/XX/XXXX on XXXX, XXXXlast active XX/XX/XXXX, on XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: SYNCHRONY FINANCIAL
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I applied for Paypal Credit through Synchrony and received a credit limit of > $ XXXX in XXXX or XX/XX/XXXX. I have never been 30 days late, I think there is once I might have missed a payment and had a past due amount but I fixed that before becoming XXXX. I was previously out of work and so making maxmium payments for me was hard. On XX/XX/XXXX I made a payment of {$1400.00}, these were also 0 % interest payments for 6 months. After I made this payment Synchrony immediately and rapidly reduced my credit line. Which that's fine and all except what they are doing is deceptive and devious. On XX/XX/XXXX I needed to make a payment of > {$800.00} to Synchrony before incurring any interest fees and that's fine, because I needed to pay off and pay down some other debt I incurred while unemployed. Now today XX/XX/XXXX I receive an alert that Synchrony deceptively reported me over limit because of the gained interested that I got for not paying off the XX/XX/XXXX debt that was 0 % interest and in addition, they lowered my credit line. This creditor is practicing vindictive and deceptive practices to financially impact people trying to get back on their feet. My partner has left with with my mortgage, over {$15000.00} in credit card bills he ran up and more. This creditor needs to be thoroughly investigated.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. ( XXXXXXXX XXXX XXXX XXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 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 2022-07-06
Company: EQUIFAX, INC.
State: ID
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 XXXX, Also known as 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 a account without my written instructions.

To whom it may concern : I request more explanation on said reported account. I have not received proof of ownership of this debt including signed agreements ect. I am proceeding under the Fair Credit Reporting Act law. I have the right to challenge I am not sure is accurate. Reporting things on my credit file I did not agree to have reported or have not heard of.

Under 15 U.S.C Sec. 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 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. Please send proof of my written instructions or delete the account from the report.

According to 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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.

Company response to consumer: Closed with explanation