BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings, I have initiated a multiple disputes with EQUIFAX over the past few months to remove unauthorized/unknown Inquiries that they have failed to fully validated that I initiated. It has been well over the 30 days given for EQUIFAX to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized/unknown Inquiries belongs to me aswell. Below are the reporting Inquiries that should be REMOVED / DELETED from my EQUIFAX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX/XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX   - Date Filed : XX/XX/XXXX 6 ) XXXX XXXX - Date Filed : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: Capio Partners, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, CAPIO PARTNERS LLC account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 
Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
Amex has suspended use of all my business and personal cards when there are disputed charges on just 2 of them over products I ordered but did not receive. They have provided no timeframe for resolution and in the meantime I am unable to take advantage of card benefits that I have paid for through annual fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: JPMORGAN CHASE & CO.
State: KS
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:
XXXX XXXX on XXXX this showed up on my XXXX XXXX report the next morning- reporting from XXXX. 
JPMCB on XXXX this showed on my XXXX XXXX  report the next morning - reporting from XXXX and XXXX. 
I have placed a fraud alert and a freeze with all XXXX credit bureaus. I have spoken with Chase and requested for the hard inquiry to be removed from my report. They accepted and said they would. 
I need more information on how to protect my identity and social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
This new complaint is associated with Complaint XXXX. I am convinced Bank of America ( BOA ) continues to find way to charge their customers more in fees and penalties to increase their profit margins. I transfer funds between my BOA Checking XXXX and Over Draft Protection or Credit Line accounts XXXX. Account XXXX has a limit of {$3600.00}. BOA lags between the time they are freezing my checking and in crediting the accounts receiving transfer funds. Then BOA charge me Non-sufficient Funds ( NSF ) when actually my two accounts have sufficient funds if BOA would not set on it They always give me the same excuse that personnel do not work on weekends and holidays. Their computers sure will hold funds from my checking on weekends and holidays. BOA should and could program their computers to do both transfer and pay at the same time. 

I received a letter yesterday ( Exhibit 9 ) stating {$400.00} NSF, which is incorrect. ( Exhibit 7 )  shows were I paid {$3400.00} on XX/XX/2018 to the Overdraft or Credit Line Account XXXX. ( Exhibit 6 ) shows BOA did not credit account XXXX the account until XX/XX/2018. They returned the payment of {$400.00} for NSF and charged me {$27.00} without checking on available funding in both accounts. I called BOA today asking why the funds were not credited or payment made. BOA said the payment was not paid. Exhibit 8 shows were I transferred {$400.00} again today to the XXXX account. Account XXXX does not show being credited as of now. 

BOA is too large to fail, but they need to reconsider all their charges and fee. They are destroying me with all of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair reporting act XXXX  account number XXXX has violated my rights 15 US C1681 section 602 states I have the right to privacy. 15 UC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 USC 1666B : A creditor may not treat a payment credit card account under an open and consumer credit plan as late for any purpose.

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 2018-11-05
Company: Experian Information Solutions Inc.
State: AZ
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:
My XXXX XXXX Visa credit card : XXXX and XXXX XXXX Visa credit card : XXXX is lost/stolen, and all of the charges/transactions on both accounts are fraudulent, unauthorized and not mine. I want XXXX, Experian and XXXX XXXX to delete, remove and permanently block the accounts from 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 2021-10-15
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I worked for a mortgage lender, XXXX XXXX XXXX, NMLS # XXXX from XXXX - XXXX and from XXXX - XXXX. On XX/XX/XXXX they furloughed me when I had a 67 loans in process. I asked them to pay me for my loans, and they refused. I was even willing to accept a {$15000.00} lump sum for my loans which would have paid over {$40000.00} had they not furloughed me and Impac became very aggressive and cruel with me. Their legal department made threats and accusations against me and even tried to get me fired from my job at Owning by reaching out to the owner of Owning and requesting that he fire me. This company is very shady and I do not want them to get away with what they did to me and many other employees. Furthermore, they need to compensate me for the loans they never paid me for. Please see the attached emails between myself and Impac 's HR and counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them or update them right away : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: NC
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 do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$980.00} XXXX XXXX XXXXXXXX XXXX XXXX {$71.00} I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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:
XXXX XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO EXPERIAN, XXXX, AND XXXX. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNTS STATING THE INFORMATION WAS CHARGED OFF. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND IT SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE SSN IS IDENTITY THEFT. JUST BECAUSE XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER.

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 2017-11-03
Company: EQUIFAX, INC.
State: WI
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:
As a result of the Security Breach at Equifax Credit Reporting Agency, I signed up for their Trusted ID Premier Website to monitor my Credit Report in XX/XX/XXXX. OnXX/XX/XXXX, I received 2 letters from XXXX XXXX one dated XX/XX/XXXX requesting additional information on my account about a dispute that I sent to one of the credit bureaus & one on XX/XX/XXXX requesting the same information on my 2nd account with XXXX XXXX. These accounts are definitely mine & are in good standing with no missed or late payments. I did not send any dispute letters to any Credit Reporting Agency disputing anything with XXXX XXXX. Yet, on XX/XX/XXXX I received from Equifax Credit Reporting Agency a credit file datedXX/XX/XXXX stating that these 2 accounts were mine as a result of their investigation/re-investigation. They also placed a comment of disputed by consumer as a result of investigation/ re-investigation on my credit report. This is fraudulent activity being done by Equifax with my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital One Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The XXXX makes the following findings : ( XXXX ) the banking system is dependent upon fair and accurate credit!! Even the XXXX collector is reporting inaccurate information on my profile!! Capital One never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( XXXX ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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 balance transfer

Complaint:
On XX/XX/2023 I used my XXXXXXXX XXXX XXXX card to pay off my Bank of America Travel Rewards card. XXXX sent it to the wrong account number. I have contacted both banks at least 9 times. They are both aware of the error but will not correct it. I am being charged for the same amount by both banks. XXXX claims they have notified Bank of America about the mistake. Bank of America says XXXX has not contacted them. I gave Bank of America the wrong account number that it was sent to but they say they cant look it up. It is 2 digits off in the third set of numbers from my account number. I cant keep making payments to both cards for the same amount. Please help me. Im retired and on a fixed income. Thank you for your time.

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 2022-12-06
Company: EQUIFAX, 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:
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 more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX 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 n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first 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 negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. 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 n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have an XXXX account which is a multi-currency exchange/wallet.  I attempted to connect my PNC checking account to fund mu XXXX   account and I receive a message stating that my bank made changes preventing this action. I did not authorize this change nor do I want it preventing me from spend or send my funds as I choose to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ON XX/XX/2021, I EMAILED XXXX XXXX  THAT THE REMARK KEY ( PPA ) PARTIAL PAYMENT AGREEMENT THEY PUT ON MY WIFE 'S CREDIT REPORT AND MY CREDIT REPORT IS ADVERSE. ACCORDING TO THE FEDERAL CORONAVIRUS AID, RELIEF, AND ECONOMIC SECURITY ( CARES ) ACT, IF YOU MAKE AN AGREEMENT WITH A CREDITOR TO DEFER ONE OR MORE PAYMENTS, MAKE A PARTIAL PAYMENT, FORBEAR, AND DELINQUENT AMOUNTS, MODIFY A LOAN OR CONTRACT, ORGET ANY OTHER ASSISTANCEOR RELIEF BECAUSE COVID 19 AFFECTED YOU, THE CREDITOR MUST REPORT THE ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIESIF YOU WERE NOT ALREADY DELINQUENT. MY WIFE AND I WERE NOT DELINQUENT AT THE TIME OF FORBEARANCE. YET, XXXX XXXX  PUT THE ADVERSE REMARKS ( PPA ) WHICH CAUSED A 73 POINT DROP IN MY CREDIT SCORE. XXXX XXXX  RESPONDED SAYING THEY DID NOTHING WRONG. I WANT XXXX XXXX  TO REMOVE THAT ADVERSE REMARK ON ALL OF THE CREDIT BUREAUS. WE HAVE NEVER MADE ANY PARTIAL PAYMENTS.

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 2023-05-24
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:
From : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX To : Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax, The account listed as XXXX XXXX XXXX with Account number : XXXX, Account status is misleading : showing different per bureau. I have attached a full 3 bureau report with inaccurate reporting. XXXX and XXXX do not show this account. 

Can you delete this from my EQUIFAX consumer report ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 and or permission. 

XXXX XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX XXXX  DATE ASSIGNED : XX/XX/2017 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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