BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have sent several Disputes to XXXX, XXXX and Transunion about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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.

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 2021-08-26
Company: LEXISNEXIS
State: NJ
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 have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with XXXX  and XXXX, I was told that the information has been verified by a third party company called LexisNexis. 

I then contacted LexisNexis on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to XXXX  and XXXX. on XX/XX/2021, LexisNexis sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my LexisNexis report. 

I contacted XXXX  and XXXX  on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. 
XXXX, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. Reporting that LexisNexis was able to verify this information with the courthouse, and that this record will remain on my credit report. 

XXXX, closed this dispute on the Thursday, and XX/XX/2021. XXXX  also reported that LexisNexis was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. 

The issue is this bankruptcy being reported on my XXXX and XXXX  report is not mine. The " third party '' that is selling this misinformation, ( LexisNexis ) is either continuing to sell this misinformation about me, or XXXX  and XXXX  are not truly " investigating '' the dispute I filed with them. Considering XXXX  was able to close this dispute within two days, over a weekend, tells me everything I need to know. XXXX  continue 's to say " The company that reported this information has certified to XXXX  that this information is accurate '', ( LexisNexis ). 

I expect to have this incorrect public record removed from my XXXX  and XXXX  credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX  ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 

Remove the account XXXX XXXX  number XXXX i did not give consent or permission to furnish this on my consumer 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 non-monetary relief
Consumer complaint received 2023-04-29
Company: TD BANK US HOLDING COMPANY
State: FL
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:
Please see below regarding current late payments in last 12 months dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TD Bank/Target XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a misuse of my rights. This is not accurate these late payments it is violating my fair consumer right please remove these late payments they are inaccurate and violating my consumer rights I am exercising your right under the FCRA, section 609, I am requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature.

In addition I am requesting information about items in your inaccurate the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: Churchill Holdings, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Churchill mortgage pushed me conventional loan, I was wanting VA or FHA. I was told I couldn't get a gov backed loan _ Within 15 days I was sold XXXX. XXXX XXXX, then XXXX XXXX. What do u know. This was a scam to get {$30000.00} cash out of me. 

This is an obvious move of ihands to take the Cash from 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 explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: MD
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: CA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: JPMORGAN CHASE & CO.
State: CA
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:
on XX/XX/20 after participating in a free XXXX webinar I got a call and agreed to buy an online course for the sum of XXXX dollars I was hesitant to register but they explained me that that I will be able to cancel and get a full refund for a period of 30 days. 

Only after paying I was introduced to terms and conditions for the course and was told that I will not be able to take part without agreeing to them. 

I started taking part in the course and it was very disappointing to me. and did not meet the promises that I was promised. 

on XX/XX/XXXX I approached the head coach XXXX XXXX and complained that the program is not as promised. 

XXXX XXXX called me a whiny little XXXX and kicked me out of the XXXX call and removed my access to all the program material and XXXX groups. ( all the access to the course ) I tried to contact the merchant multiple times, and although that they promised me a full refund they did not refund. 
this is a call with the sales rep that sold me the program that promised me a refund. 
XXXX XXXX XXXX XXXX  first 2 minutes tells it all. 

I contacted chase and explain the story, they denied my request to do a charge back on this charge and as I re-disputed they still deny my request. 

it feels like nobody there is reading what I wrote to them. 

I called chase few times but the people that answer the lines has no authority to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Synovus Bank
State: FL
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:
Please see below regarding current late payments in last 12 months dates : 1st Digital/Synovus 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis is a misuse of my rights. This is not accurate these late payments it is violating my fair consumer right please remove these late payments they are inaccurate and violating my consumer rights I am exercising your right under the FCRA, section 609, I am requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature.

In addition I am requesting information about items in your inaccurate the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 # XXXX, has violated my rights. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 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 ; 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 instructions of the consumer to whom it relates. 

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 




I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto 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 non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: MI
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'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX missed payments open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX missed late payments open XXXX, XXXX 1 missed late payments opened XXXX, XXXX XXXX XXXX 1 missed late payments on XX/XX/XXXX open XX/XX/XXXX, XXXX XXXX XXXX  XXXX 2 Missed late payments XXXX XX/XX/XXXX and XX/XX/XXXX opened XX/XX/XXXX, credit XXXX bank NA XXXX missed late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX open on XX/XX/XXXX XXXX 1 missed late payment on XX/XX/XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX  {$480.00} opened XXXX, XXXX XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.

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 2022-06-14
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a discover student card approximately XX/XX/XXXX of XXXX. Being somewhat financially stable with a steady flow of income and being high school student in my senior year it seemed like a great card to apply for and I was ultimately approved. I received an email on XX/XX/2022 informing me that my discover card application was approved and that the card would be sent to me soon. I received the card on XX/XX/2022 and activated it the same day. Upon attempting to use my card later that same day, I found that it would decline on any transaction I tried to use it on. I had initially believed that it was still in the process of being activated so I didnt give it much thought and decided to try again another day. Upon attempting to use it again a day or so later, the card continued to decline. After dealing with the frustration, I gave Discover a call to try and find out the source of the issue. In my phone call I was informed that they were in the process of reviewing my information and they would inform me when my card was ready to use which I found odd because the emails I had received led me to believe that the card was already ready to be used. I was not informed of exactly what information they needed to verify nor would they disclose more information with me. I decided that I would wait for their notice that I can use the card and that was the only option, so I waited until I received a notice that my account had been closed on XX/XX/2022. The notice I had received informed me that they couldnt verify my personal information ( Which was seemingly not an issue before they opened the account and sent me the card as well as let me activate it online ) and that they would report that the account was closed by the creditor. This upset me quite a bit as I took a hit on my credit report. At the time of the account being closed I thought that was that and that nothing else could be done about it. After learning about this agency I decided to see if anything could be done to rectify this issue I have faced.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: NV
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:
Experian XXXX  & XXXX continues to update account information that does not belong to me. Even after submitting my police report for Identity thief, and filing my FTC report the credit agency 's are still just updating the information. Of course if my information was used to open the accounts of course the information will be verified, none the less I have contacted XXXX XXXX to dispute an account and they are telling they can't provide any information because the ss # does not match, Also XXXX has not been verified due to the balance they have me owing {$86.00}, XXXX when the balance on the card show 's {$8600.00} its a type o, but they wont even brother to correct this major mistike, These mistake are causing me to lose out on the chase of home purchasing and have XXXX of my hard earned money taken from me due to their unfair reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
So Ive filed multiple claims with CHASE bank because my identity was stolen while I was incarcerated. They have denied me & claimed to understand the situation but cant help me I just want my life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
in accordance with the fair credit reporting act XXXX  Account has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
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:
Upon researching the credit bureaus are saying that it's public information that was brought. Information that I never signed off as a consumer. The bankruptcy that is showing on my credit report shall not be showing on their due 15 USC 1681 k.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: FL
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 # 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

Company response to consumer: Closed with explanation