BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: MS
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. 

XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 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 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 2023-11-21
Company: EQUIFAX, INC.
State: IL
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:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX  XXXX XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : 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 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 2021-08-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: NJ
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 been in the process of correcting my credit for the past year. I opened an account with Experian paying $ XXXX per month each for both my husband and myself in an effort to stay current with the information as it is reported. I got my credit from XXXX up to XXXX and I have been very attentive. On XX/XX/XXXX, I canceled the subscription with Experian and received an email of confirmation. By XX/XX/XXXX, my credit score went down with them to XXXX with no reported incident. I keep everything, I mean EVERYTHING paid either on time or ahead of time. I called experian and the representative could see where my credit score went up to XXXX, but couldn't see anything else. Which I do not believe, because if she could see where it had consistantly gone up, up to that point, why couldn't she see the XXXX. I have screen shots of my credit score with them at that XXXX. My husbands is down to XXXX in that same time period. It seems that they are penalizing me for stopping their service. I would like a full investigation and a response.

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 2023-11-20
Company: EQUIFAX, INC.
State: FL
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: TX
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:
Disputed Credit Accounts on my Credit Reports to the Credit Bureaus. Seemed funny that the Credit Bureaus completed the dispute process in less than 30 days.

I ask for these credit accounts to be deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
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:
I filed several disputes with XXXX on the XXXX XXXX account on my report there has been error after error reporting every month, this account has been charged off since XX/XX/23 but showing last payment reported XX/XX/23, at this time I no longer had possession of the vehicle, today showing missed payment on a charged off loan. I want XXXX to remove this account for inaccurate reporting and shared information without my consent. This has been going on for over 6 months for inaccurate reporting and violations. I want this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.

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 2023-06-16
Company: BARCLAYS BANK DELAWARE
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Ive submitted an application to a Banana Republic XXXX XXXX via Barclays Bank. Apparently the card was mailed followed by the card being activated and an unauthorized purchase made for {$1700.00} on XX/XX/2023 at merchant named XXXX XXXX XXXX. Ive raised a dispute with Barclays claiming unauthorized, fraudulent transaction, but the dispute case was closed with the claim that chip card technology was used which can not be counterfeited. 

The investigation by Barclays was clearly inadequate and in violation of Regulation Z and failure to correct this and reporting any delinquencies to credit agencies is in violation of FCRA for the following reasons- 1. I did not receive the original card that was sent and the Bank did not provide any evidence with tracking number that the card was mailed and delivered to me 2. I did not activate the card because it was not in my possession. No evidence provided to prove that Ive activated the card.

3. I do not recognize the purchase and neither did I authorize it. I do not know the merchant and not aware of the products or services provided by such merchant. No evidence provided to demonstrate that the purchase was made by me. The account was only opened with the intent to make purchases at Banana Republic stores. 

4. Claim that chip card technology can not be counterfeited to support the Banks investigation is not sufficient to conclude that no fraud occurred. If the card was mailed, it could have been stolen from the mailbox. Also research, including research from XXXX and XXXX demonstrate the card chip cards are not fraud proof.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: VA
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:
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 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 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 2021-08-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
American Express Has Stolen Funds From both my accounts Days And Months Later. 
After it was in written that the account has been closed with out my consent.. 

funds have stolen out of my accounts with my consent as well... 

I am : XXXX XXXX XXXX XXXX XXXX Owner Of This Account and Acceptance For Value DONE IN GOOD FAITH UCC1-308 PLEASE AUDIT THIS ACCOUNT AND RECOUP ALL REMITTANCES AND ANY FUNDS DUE TO ME... UCC1-108

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In reference to my complaints I made against Chase bank dated XX/XX/23, I received call from the bank and a case manager was assigned to my case. The case manager and I confirmed that I dont have any accounts or credit cards with the last four digits or the account number being the reason all my accounts and credit cards is close in my name and it maybe a misunderstanding. 

Yet I still received letter from chase bank dated XX/XX/23 saying my accounts and credit cards will still remain closed. 

Is J.P. Morgan chase closing my accounts base on a fault information. Why will my account be closed base on an account that I dont have or never had.. 

All I want is a fair judgement on my case and my accounts reopen.. 

XXXX XXXX XXXX : XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: SANTANDER HOLDINGS USA, 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: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: LA
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:
15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # 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 2021-09-14
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My father got a mortgage with Wells Fargo in XXXX and he passed away in XXXX. After his death my mother quit claimed the property to me and I made all of the mortgage payments until XX/XX/XXXX at which time I paid the mortgage off. I have sent Wells Fargo my Id, a copy of the death certificate, a copy of the will and a copy of the quit claim deed. I have talked to two people who have had to open my case twice and received two letters requesting the information that I have already sent. I know that they received it because the last person I spoke to told me my id was in there and I sent it all together. I would like my escrow money and a copy that says the mortgage is paid.

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 2023-06-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a Chase account with Chase they keep closing it I don't know why they won't give me any information they won't tell me what happened nothing they just say close it just says close the account I want to know the reason why I'm not allowed to chase when I never did anything to Chase they won't send me any paperwork nothing so I would like to know the reason why and if there's a way to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Chime Financial Inc
State: FL
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:
Good morning, I'm filing this complaint in reference to my chime credit builder account. There seems to be an issue with proper documentation on my billing statements, erased transactions, and incorrect account balance. I've tried over 10 times to get chime coustomer service to help with the situation but, there was no competency for a resolution. I've tried explaining that the XXXX statement started off with the incorrect available amount. There was XXXX dollars deposited into the account on XX/XX/2023. The coustomer rep. stated that the billing cycle begins on the XXXX of each month, meaning the deposit on the XXXX is apart of XXXX billing statement. I was told I spent XXXX dollars but, with no balance. " Impossible '' Chime does not let me overdraft a penny. Speaking of penny, I am also missing XXXX pennies out of my savings account. 
There were a few disputed, un-diputed transactions that occured. However, the so called bank did not take action their either. 
Another really BIG SITUATION is a bank rep. telling you they can only view pieces of your information but, are able to email you a statement, seems a little suspicious. I mean how are you conducting account balance with half of the information, totally not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Salander Enterprises, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just found out that my wages are being garnished. I didn't get any notification and actually Paid for an attorney to assist me with the debt collector. I thought that someone would contact me either via mail or E-mail to inform me of some sort of date that I need to appear. At least ask about my budget to determine how much I can afford each month. Didn't happen. I don't know what to do and am going to end up homeless with 1/4 of my check taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: PNC Bank N.A.
State: TX
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:
I opened a credit card with BBVA in 2020. The annual fee is waived the first year, and they charge a {$99.00} annual fee for all subsequent years. Upon learning the card was being converted to a different product and being charged the annual fee, I immediately called BBVA to close the account. The agent closed the account and said the annual fee would be removed and I would have no further responsibility. A month later, I received another statement from BBVA for the annual fee + late charges. I have now called twice to have the fee removed, and the agents seem unsure what to do. I am not paying an annual fee for a card I no longer have and would not have closed the account had the original agent informed me they were not removing the fee. This is a highly deceptive practice and does not conform to industry standards across all over U.S. credit card companies.

Company response to consumer: Closed with monetary relief