BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My personal information was used to try and get loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report .Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My Car got wrecked by a customer that rented my car through XXXX, my insurance paid off the XXXX  value of the car, my gap supposed to have covered the remaining balance but failed to do so, i didnt notice until i checked my credit profile and noticed a significant drop on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: EQUIFAX, INC.
State: NM
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. The List of accounts below 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: National Default Servicing Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
NDS Corp. 
XXXX XXXX XXXX, XXXX XXXX, XXXX , ARIZONA XXXX Re : Letter dated XX/XX/XXXX We need all and any documents that pertain to my loan ( not one or any documents should be a secret or confidential and hidden from us ). 
Any remaining documentation being requested and will not be fulfilled and or provided will be unduly burdensome to me and to my family! 
Letter dated XX/XX/XXXX No document to be privileged or proprietary! I have every right and more benefits to demand every document from the past to present that is connected to my loan, no secret documents should be kept from homeowners and from any authority. 
I need all corporate assignments of deed of trust from XX/XX/XXXX to present. The one on record dated XX/XX/XXXX was produced under fraud, therefore under the California and federal law it is void, cancelled and has no validity. I need copies of all original notarized documents and its original notary book with thumbprint and a current affidavit signed under penalty of perjury of all authorized staff, notaries, attorneys etc. that have been involved in dealing with my loan from XX/XX/XXXX to present, to verify and validate that my loan was handled in accordance with all Federal and State laws. The original deed of trust was recorded on XX/XX/XXXX not XX/XX/XXXX plus many more discrepancies, please have a forensic document examiner review all documents pertaining to my loan, from XX/XX/XXXX to present. 
ALL WRONGFUL FORECLOSURE NEEDS TO BE INVESTIGATED BY THE PROPER AGENCIES!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have issue with this account, it is unrecognizable. Please investigate this account, and provide me with the results of the dispute. I have provided documents to support my claim, and verification documents to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I found a charge for {$110.00} a month from the bank for insurance to cover my card in case of problems paying. The date they show that I ordered the insurance I was in the operating room getting my XXXX XXXX XXXX So when I call and complain I get it cancelled and a refund for most I was charged. Then the monthly payment which was {$220.00} for the previous year with a {$7000.00} balance goes up to {$390.00} and now it is {$590.00}. I call the bank and they can not explain and say it will be more than likely going higher. 
How can a XXXX XXXX vet pay this?

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have gave ALL parties XXXX chances to cure. I have requested info on the investigation process not just verified, proof of my wet signature on the contract stating I would pay the alleged debt. This account have been removed twice and Credit first NA continues to repost the account without sending any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account be deleted IMMEDIATELY!!! PLEASE SEE ATTACHMENT 18 USC 8

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Hello. 
I would like to inform you that about 2 weeks ago XXXX XXXX XXXX closed my Credit Account FOR NO REASON. It was a Secured Credit card account and I had {$500.00} of my own money as collateral in it. They DID NOT even return my money. But what irritates me the most, is that they closed my Credit Account for NO REASON in the first place! I have ALWAYS made 100 % on-time payments and I have NEVER used my credit card aggressively. You can check my credit history and you will see it yourselves. I was a victim of a scam with my checking account. I submitted a complaint ( complaint ID : XXXX ) to Consumer Financial Protection Bureau and XXXX guys did a GREAT JOB, because XXXX XXXX XXXXXXXX XXXX XXXX checking account back ( which should have never been closed in the first place without any investigation ). 
So, now they have decided to go after my XXXX Account, which is again absolutely UNFAIR and UNJUST. I have contacted XXXX XXXX XXXX many times after my credit account got closed, but they never provided me with a single reason of why my Credit Account got shut down. With this matter I contacted their ( 1 ) Customer Service, ( 2 ) Risk and Closure, ( 3 ) Credit Accounts, ( 4 ) Fraud, ( 5 ) Complaint departments and NONE OF THEM PROVIDED ME WITH ANY REASON of my Credit Account got shut down. This is just a RIDICULOUS and UNPROFESSIONAL approach in any way look at this situation. In the attachment you can find the Credit Card Account Closure letter from XXXX XXXX XXXXXXXX which I received a few days ago and you can see that they have provided ABSOLUTELY NO SINGLE REASON of why my account got shut down. 
Today I was checking the Credit Karma app. I realized that a Remark Code was added to my Credit Report and that the Credit Score with Equifax HAS DROPPED FROM 688 TO 627 ( 61 POINTS!!! ). THIS IS ABSOLUTELY UNACCEPTABLE!!! Why should I, my Credit Score and History be affected by someones IRRESPONSIBILITY and UNPROFESSIONALISM?! I would also like to inform you that I have submitted a dispute on myEquifax as well, but the text limit on their dispute page is very limited, so I was only able to explain them the situation in 2-3 sentences. In the attachment you can find the ( 1 ) myEquifax Credit Report Dispute confirmation, ( 2 ) Screenshots from XXXX XXXX app and the ( XXXX XXXX Credit Card Account Closure letter from Bank XXXX XXXX. 

Thank you in advance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: TX
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. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXt # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX Original Creditor : XXXX XXXX CREDIT CARD/ Account # : XXXX Wrong Name And Adresses. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: SC
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 consumers right to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 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.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
DISPUTE : Phone call to XXXX Credit Bureau Info Services XX/XX/22 Phone call to Missouri XXXX XXXX XXXX XXXX ( XXXX ) data Supervisor, XXXX XX/XX/22. 
Notes included in uploaded documents.

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 2022-12-12
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions 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:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

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 2022-10-10
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:
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Applied and was approved for a Chase XXXX Mastercard in early XXXX XXXX When I received the card, as I am vacationing in XXXX, I used the card in various places. However, on XX/XX/XXXX ; all charges started to get denied with no text message or email warnings that the card was flagged. Tried using the card online at XXXX to pay rent, in person at XXXX XXXX, XXXX and at a grocery store, each time declined. 

When I called the number, I was patched automatically to fraud department which was not even able to open my account on their system. They pulled up someone else 's credit bureau report and asked me questions regarding an unknown person and they could not even authenticate my information or find out what my phone number was while on the phone. Chase said they would call me back Chase said they would probably call me back in 48 hours between XXXX XXXX XXXX XXXX  which is not acceptable as the card is simply not working at all and I was able to use a XXXX XXXXXXXX XXXX  instead

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED 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 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 explanation
Consumer complaint received 2020-12-30
Company: SinglePoint GI
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX {$760.00} company name general revenue corporation collection not my debt do not belong me wish it be remove asap

Company response to consumer: Closed with explanation