BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Child support XXXX : # XXXX Child support XXXX  : # XXXX Child support XXXX  : # XXXX 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 explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: NY
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-17
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: Account status incorrect

Complaint:
I recently went over my credit report and notice there are late payments reporting with account XXXX XXXX Acct # XXXX which are a violation. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have not received any notice stating such for a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen through my XXXX  email. They took Birth certificate, Social security card, id. They used my identity to open bank accounts, XXXX XXXX, applied for apartments, ect. I now have creditors coming after me. I filed a police report. I have no idea how long they had my information. 


XXXX Paragon Revenue GR balance {$3800.00} XXXX XXXX XXXX  {$180.00} XXXX XXXX XXXX  l {$370.00} XXXX XXXX XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint against EXPERIAN INFORMATION SOLUTIONS INC . 

EXPERIAN INFORMATION SOLUTIONS INC. has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to EXPERIAN INFORMATION SOLUTIONS INC. to FURNISH this account/item.

The DATE OPENED is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 business days ( Exhibits provided ) EXPERIAN INFORMATION SOLUTIONS INC duty is to PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

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 2023-02-17
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-17
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted documents to early warning services about the bank account open in my name at XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I already mailed to early warning services a month ago including a police report, fraud adavitt, and signatures of mine notarized and sent to early warning services they did the investigation and found it was accurate. This was not right. I am not the owner of this account it was open fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
We have been harassed by phone calls from Regions Bank Collection department in regards to closing our accounts. We sent a letter on XX/XX/XXXX to XXXX XXXX, Quality Performance Management with return of both ATM cards stopping all bill payments and all automatic merchants ' debits from our accounts, and ask the account to be close. This bank has called us over a half dozen times stating that we owe them {$140.00} in fees. We owe them nothing, they took close to {$400.00} out of our direct deposit because they failed to place a stop payment on XX/XX/XXXX, and did not perform the transaction until 10-12 days later. A stop payment request should have been done no more than 3-4 days according to their bank policy. They charge us fees after fees, returned some payments when the account went in total disarray because of their negligence. Now they are threatening us with collection for bank fees and keeps on calling us by phone, sometimes 2-3 times a day each week.

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 2023-02-27
Company: Experian Information Solutions 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:
Is been about 6 months or so that I been contacting the credit reporting company about this problem. There is a bankruptcy being reported and I spoken to all 3 agencies about this. They told me that XXXX is reporting this as accurate. I spoke to XXXX and they have informed me that they Do Not have a file on me and are not reporting any bankruptcy and Have Not reported to the credit bureau. I been asking them to investigate this and it keep coming back as verified, but by who because XXXX is not reporting like its stated on my credit report. Also I dispute this with XXXX and it's been removed already.

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 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have filed a dispute in regards to the incorrect items and information on my credit report on XX/XX/2021. I then again sent out a demand to comply letter on the XX/XX/2021 to XXXX, XXXX, XXXX. It has been well over 30 days and I still have not heard or received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX, XXXX, XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
GM Financial shut off my auto-pay that was in place after 3 years of payments being made that way. They did not let me know they were doing this and I only found out after I received a past due notification email. I immediately called and made the payment but they put it on my credit report already. I asked them if they could remove it and they stated they have no control over that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got an email from chase bank today XX/XX/2022 at XXXX XXXX congratulating me on opening an account. A few minutes later I got another email saying my email had been changed online. I called chase and someone had opened a checking account using my old mailing address and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On Friday, XX/XX/2020, I contact my credit union, XXXX to inquire if I could pay off my two auto loans in the amount of {$3000.00}. The credit union stated that I could. Once I made the payment I was sent an email and text from Capital One asking to authorize that amount. I did, however no where did it mention a cash advance fee of {$92.00} or that I would be getting one. I asked them to dispute the charge or to reverse and they would not do either. I was unaware of this fee as they did not advise upon their request to authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: GOLDMAN SACHS BANK USA
State: NC
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 sent money to my husband who is XXXX  but has an ITIN number via Apple Cash. I have sent him money before with no issues. Today his account was restricted and had to verify his identity. Upon calling Apple Card support they inform me that he needs to upload a US government issued ID. The state of NC does not issue IDs to undocumented immigrants. They are able to obtain identification via the consulate office. The agent stated they are not able to use that ID and needs to be US government issued. When I questioned this she stated its listed on their terms and conditions and it in fact is. It says in order to create an Apple Cash Account and use the Services, you must : ( i ) be 18 years of age or older and a citizen or lawfully residing in one of the 50 states of the United States and the District of Columbia ( collectively, the U.S. ). Which seems unfair and unreasonable because in order for you to open an apple cash account you have to have a bank account to whom you give your identification information to. I feel like this is discriminatory and an inconvenience for undocumented immigrants who use apple products and spend so much money with Apple. In the end the representative was not able to help us and cancelled the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CCS Financial Services, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LOUISIANA CHILD SUPPORT, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CREDIT COLLECTION SERVICES, 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. 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
CFPB, XXXX XXXX XXXX and Transunion I am sending you this notice to formally let you know I'm not paying you a XXXXXXXX XXXX I have exercised my rights as a consumer that has operated within the law and this collection company has notably violated so many laws that I've noted in the CFPB complaint. You have allowed them to impact my consumer report in a negative for months when I do not owe them. I have never done business with this company. They have never rendered me any services whatsoever. Instead they have fluctuated the alleged amounts owed. They've began reporting to my consumer report without properly validating the debt or allowing me my right as a consumer to dispute the debt. I've never received a Dunning letter or any letter of any sort. I have never received the purchase agreement that I've requested. I have never received the itemized bill that was requested for ALL services allegedly rendered? How is this legal? They can not show how this company came up with this balance of {$1600.00}. Then they changed the debt by a dollar to {$1600.00} to further impact my consumer report for reporting purposes, along with bouncing between two names to try to stay ahead of the consumer with their scamming ways. The company admitted to entering in the incorrect amount and modified it when they in fact should have deleted the account for inaccurate reporting. CFPB XXXX  XXXX! You should be ashamed of yourself as a government agency put in place to protect consumers, but admit yourselves you're simply involved to ensure they respond. You continue to allow frivolous reporting so that they gain off of consumers having bad debt. Transunion barely responds and XXXX spends more time soliciting their XXXX XXXX  cards. You are now dealing with a well informed consumer and someone that knows if a service was granted to them or not and who granted them the service. The gloves are off. No more nice lady as it has gotten me nowhere. So XXXX XXXX or whoever you're claiming to be today, tomorrow or whenever- you can take that collection and file it in the " we'll never receive payment for a debt not owed to us file. '' You will not collect one XXXXXXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-09-21
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/2021 a collection account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is TRANSWORLD SYSTEMS I FOR THE AMOUNT OF {$5.00} XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : TRANSWORLD SYSTEMS I opened XX/XX/XXXX XXXX FOR {$5100.00}, XXXX XXXX opened XX/XX/XXXX XXXX FOR {$0.00} XXXX 
LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. 

TRANSWORLD SYSTEM HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE. 
XXXX XXXX XXXX HAS FILED BANKRUPTCY AND THE CFPB HAS ENFORCED ACTIONS TAKEN AGAINST TRANSWORLD SYSTEM AND XXXX XXXX SEE COURT CASE CONSUMER FINANCIAL PROTECTION BUREAU VS NATIONAL COLLEGIATE TRUST SEE COURT CASE TRANSWORLD SYSTEMS INC 2017-CFPB-0018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: MN
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:
It has been years and XXXX XXXX and Equifax just hasnt removed this Fraud account for my credit report. It has been ruining my credit for to long and now Im finally going to meet with a lawyer, and I will be reaching out to the FTC as well about this situation.

Company response to consumer: Closed with explanation