BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX : {$110.00}

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 2023-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI FIRST CREDIT SERVICES/XXXX XXXX XXXX XXXX XXXX for both accounts of {$110.00} and {$110.00}?!!? ( for account # XXXX & XXXX ) Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, my wife, a 12 year chase customer, gave me, a 4 year chase customer, a check for {$7000.00} towards down payment on a purchase. I deposited the check via the mobile app. I later found out Chase flagged this check down as fraud, but did not notify either me or my wife. The check showed to clear in my account via the app, and my account showed XXXX $ total. 

On XX/XX/2023, I went to the chase atm to withdraw {$300.00} but was denied as it said my account was locked. I went into a branch and the manager told me my account is on hold as chase had flagged the check from my wife as fraud. I explained that it was a check from My wife and asked what we can do. After an hour and half of phone calls between the manager, chases fraud department, and me. The manager told me my wife has to call in and thats the only way to do it. 

I told my wife this, who tried several Times to call the fraud department and clear the check, only to be told that she can not and that the fraud department has to call her instead. We called together to find out what to do next, we were told that the only way to clear up this alleged fraud is to have the fraud department call the check issuer ( my wife ) and have her authenticate it, but they can not call her because her phone number can not be verified by their verification service ( XXXX ). Despite my wifes phone number to be a XXXX  account in her name that she has had for over 20 years. 
Furthermore, the rep told us that if this doesnt get resolved within the next 10 days, they will close my account, send me a check for the balance, but the {$7000.00} from the check in question will be sent to the treasure department as fraud! 

We ended up going to a local branch. Several hours later the manager scanned both mine and my wifes drivers licenses and debit cards and sent them to the fraud department as proof that we are both there and saying this check is legit. Then Told us they have to send this to a back office which has to clear the hold, and it will take 45 minutes. 

We went back home, and I returned to the branch an hour later. My account was still on hold. I went back to the manager XXXX XXXX, the only helpful person at chase ), who told me that despite him sending them our drivers licenses and debit card as proof, the check was still denied as fraud and they still cant verify her phone number to call her. 

I never felt so hopeless in my life, I honestly thought the money was gone. I told XXXX the manager I was not leaving until something was resolved and we spent the next 2 hours making 25 phone calls to regional managers, directors, eventually they cleared the check, I immediately withdrew all my money and went to XXXX. I ended up spending a from XXXX until XXXX XXXX  dealing with this and feeling completely powerless to do anything about it. The most horrible banking experience of my Life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
Thank you for the opportunity to express my situation... ..pI have this one XXXX XXXX by the name of XXXX that is reporting to all the three major agency 's ... ..im a senior that has retired and who living on a set budget... .This is very disheartening that someone would take advantage of me...... I have never authorized this company for credit......... please can someone Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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: CO
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:
I checked my credit report in the morning of the XXXX and noticed that a hard inquiry was added under the name XXXX XXXX. I called them inquiring about the charge along with the reporting credit bureau. XXXX said they had no record of me and that there was no further information that they could provide to me. I have never inquired with XXXX, let alone attempted to open an account with them. This is either them improperly using my information to open lines of credit, or an individual with little information about me applying for a credit card under my name with little to no verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I want to share my serious concerns about deceptive practices at XXXX XXXX XXXX. On XX/XX/, I had a routine check-up that left me feeling scammed and deeply disappointed. 

During the appointment, I was told I needed a costly XXXX XXXX  and XXXX XXXX, totaling {$3000.00}, with an additional {$7000.00} for a new XXXX. When I inquired about having the XXXX XXXX without the expensive XXXX XXXX, I was told it wasn't possible. I explained that I couldn't afford the XXXX XXXX, and the representative, XXXX, offered financing options to cover it. I specifically mentioned my concern about credit inquiries negatively affecting my score and asked if this would result in a hard credit pull. XXXX assured me it was only a pre-approval check and wouldn't impact my credit score. Trusting her, I proceeded with the application, which was approved at {$78.00} per month. 

However, I later discovered that XXXX had opened a credit card in my name without my consent with {$3000.00} limit, resulting in a hard credit inquiry. When I confronted her about this breach of trust, she showed no remorse. The dentist 's initial claim of {$7000.00} for a single XXXX  XXXX  seemed outrageously excessive, raising ethical concerns. 

Feeling deeply upset and deceived, I sought another dentist who offered the same procedure, including the XXXX XXXX, for only {$900.00}. The stark difference in pricing left me questioning the ethics of XXXX XXXX XXXX. 

To compound my distress, the unauthorized hard credit pull caused a significant XXXX drop in my credit score, lowering it to XXXX. Although I followed the dentist office 's advice to contact CareCredit to report fraud, they only rectified the credit card issue after a considerable effort on my part. My credit score has since recovered to the high XXXX. 

In summary, my experience at this dental office was marred by high-pressure tactics, unauthorized financial actions, and excessive pricing. I strongly urge anyone considering this establishment to carefully research their options and be vigilant against unethical practices that can lead to financial harm and emotional distress.

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 2023-03-01
Company: EQUIFAX, INC.
State: MI
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:
There are numerous amounts of errors on my Equifax, XXXX, and XXXX consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well. 

I was also a victim of the data breach. I have sent Equifax/XXXX/ XXXX a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. 

What I need from Equifax, XXXX, and XXXX is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S. Code $ 1681c-2 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 IMMEDIATELY!

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check into my account they ask me to wait the appropriate amount of days which was ten days to make sure that my check dont bounce and I did that and it did not and now they refuse to unblock my account they closed it now with my funds still there at a postive XXXX I just want me money sent to 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 2024-01-17
Company: Experian Information Solutions Inc.
State: MO
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:
Within seconds of each other experian notified me yet again another dispute is ready to view which is again a LIE AND THEY HUNG UP AGAIN FOR THE 2ND TIME THIS MORNING

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This company has violated law 15 U.S. Code 1681b - Permissible purposes of consumer reports. The company shows as reporting to my credit on XX/XX/2022. 

XXXX XXXX XXXX XXXX has reported information without my permission.

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 2023-08-02
Company: EQUIFAX, INC.
State: LA
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 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 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 lateforanypurpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
On XX/XX/2023, I requested to borrow from a line of credit offered by Truist called Cash Reserve. I was approved for the credit and the funds were applied to my account immediately. I used a large percentage of the funds for bills and food, leaving a small amount to make sure a {$10.00} check cleared from my utility company that was due to post on the following day. 

The next day, which was the XXXX, I woke up to my checking account being overdrawn {$550.00}. I checked my email to see what was going on and found an unopened email the day prior from Truist thanking me for a payment of {$550.00}. I was beyond shocked. I couldnt believe that for the second month straight I had to pay money back at once that I can not afford to do. I did not call the bank due to me going through something similar the previous month. 

In XXXX, my cash reserve account was forced closed due to two months of nonpayment. I did attempt to correct the situation prior to the charge off, but found out that the due date could not be changed from the first of the month to the third of the month in any way. When I asked about making a payment plan to pay half of what was due in XXXX and the remainder in XXXX, I was told that it could not be done. 

With what has happened, this will be the second month in which I am forced to pay Truist back and figure out how to take care of my remaining responsibilities with limited consequences. I have already been penalized by XXXX XXXX ( the electric company ) for the {$10.00} returned check, adding on an additional {$30.00} for a returned check fee. 

As of today, I have received no correspondence about the forced closure of the cash reserve line of credit. I have no problem with accepting consequences for my mishaps, but this is beyond my control and not my mishap. This situation has me feeling like Truist deals in unfair and unethical business practices that are WAY to detrimental to someone like me who lives on a fixed income and I am quite uncomfortable knowing that my deposits will have to continue going into that account. 

I have accepted my forced fate for my upcoming deposit and have made plans to change banks by XXXX. However, I would love to know why I am being forced to pay back the bank now versus the agreed upon amount of {$140.00} per month starting XX/XX/XXXX. And if this was done in error of any kind, I would like an apology for this and the mental anguish this has 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 explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief