BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 explanation
Consumer complaint received 2022-04-30
Company: Convergent Resources, 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 XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my written instructions. 

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 and 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 explanation
Consumer complaint received 2020-10-26
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
IN XXXX I " BOUGHT '' MY XXXX XXXX XXXX XXXX XXXX HOUSE WITH A XXXX XXXX XXXX XXXX XXXX I SUBSEQUENTLY " REFINANCED '' WITH NJ LENDERS IN XXXX I HAVE BEEN INFORMED THAT NO MONEY WAS PAID OUT TO XXXX XXXX XXXX XXXX WHEN I " REFINANCED '' IN XXXX. THERE IS NO RECORD AT XXXX OF THE MORTGAGE AND NO DISCHARGE WAS FILED IN XXXX WHEN THE ALLEGED " REFINANCE '' TOOK PLACE. I HAVE ASKED FOR PROOF OF PAYMENT TO XXXX XXXX XXXX XXXX WITH THE DOLLAR AMOUNT PAID AND A COPY OF THE DISCHARGE OF THE MORTGAGE. I KEEP ON GETTING PAPERWORK THAT I ALREADY HAVE AND DON'T NEED. I HAVE VERY GOOD REASON TO BELIEVE THAT FRAUD HAS TAKEN PLACE FOR A NUMBER OF REASONS THAT INCLUDE VARIOUS DOLLAR AMOUNTS OWED. 
ATTACHED IS A COPY OF THE LETTER THAT I RECEIVED TODAY. 
I DID NOT REQUEST A COPY OF THE MORTGAGE!!!!!! 
PLEASE PROVIDE THE FOLLOWING : I AM REQUESTING : 1 ) A COPY OF THE CHECK THAT WAS USED TO PAY OFF THE XXXX XXXX XXXX XXXX " MORTGAGE '' 2 ) A COPY OF THE DISCHARGE OF MORTGAGE PLEASE DO NO CONTINUE TO SEND ME USELESS DOCUMENTS. I AM REQUESTING # 1 & # 2 ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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:
I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. This is the account to be corrected of : XXXX XXXX XXXX XXXX Balance : {$4700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big 3 CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. You are now in liability as I have insisted on the immediate removal of the identified items in the past, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.

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 2017-04-06
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX Chase purchase XXXX, along with the mortgage I purchased Life and XXXX and XXXX, in XX/XX/XXXX by the state of Mass I was deem XXXX. The doctors thought maybe no, by it went the other way. have completely filled out every form, the doctors filled out forms for years, I been investigated. an still showing, a status of XXXX, they have received records from social security and still concerns, they want the doctors to re fill out forms out all over again, in the XXXX it states Social Security is really what they go by. it just about gving me the run around regarding. not to pay the policy, I was in an accident in XX/XX/XXXX, which the policy covers, I was not XXXX at that time, I could have purchased any policies between XX/XX/XXXX and XX/XX/XXXX, if i was killed in XX/XX/XXXX would they say they not going to pay the life? how does any one person know what the next day brings really.I was getting a cup of coffee, i did not ask to to be XXXX, and my life changed over night. but this wi why you purchase Insurance protection. But there is no reason why they compay should be giving me this much trouble to pay me. ther are so many complaints for various reasons. they have reviewed an obsessive amount of medical records, i am not sure what they think they are going to find, this is bording on harassment amd creating hostility and they are still removing money for the payment of the XXXX, and every now and then they claim they ca n't and try to get the policy canceled. 
there is a life policy attached also thei was purchased in XX/XX/XXXX 14 years this is lots of money chase has to be held accountable for this. they sold my phone number to the third party, for calling at dinner time the most hectic time with XXXX small kids. chase is only protecting themselves and charging XXXX for the payment. It the Insurance company paid when they were to, it would not be a big deal now. 
someone has to stop the Insurance companies from taking advantages from consumes, make promeses, and then when the consumer needs the insurance it completely a different concept. this is with all insurance sold today, thye blame it on the XXXX pages of fine print. the agent/sell has to have blame, not just collect commission and not respont to phone calls. when you ask a concern dictate to you like i never said that Insurance company have become " Bullies ''. the consumer just Pay and then wait and wait when we have a real issue and could run in to a serious problem. this is not want Insurance is all about. I am tired of being Bullied by this one. 
I was not XXXX until XX/XX/XXXX in Mass that is what my letter is dated.

Company response to consumer: Closed
Consumer complaint received 2023-06-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened the Business Checking account at American Express online after filling out required account details however, somehow my business 's TIN number is showing up in both the actual place where TIN is supposed to but also as my personal SSN. I have tried numerous times to get American Express to fix this mistake and they are asking me to close this account completely ; get a new TIN number as the company would not allow me to use the same TIN and reopen a brand new account with the new TIN and SSN. This is unacceptable and having to get a new TIN is an entire process with cost and time issues.

The company must fix this at the earliest rather than cause me further delays and heartaches making an unreasonable demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: Jomax, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Attorney XXXX XXXX, based in MA, entered into a surety bond contract with XXXX XXXX XXXX XXXX ( XXXX ) for collection business in Nevada. He forged his ex-wife XXXX XXXX 's name to obtain the bond. He subsequently declared bankruptcy & XXXX tried to collect a debt from XXXX XXXX, which was the 1st she knew of the forgery. She notified & provided proof of the forgery to XXXX through an atty ( XXXX XXXX, her sister ) but XXXX sent it to a collection agency. For 6 months now XXXX will not respond to correspondence or calls from the atty. Below, XXXX XXXX requests communication re the complaint go to XXXX XXXX, her attorney.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 2021-04-19
Company: EQUIFAX, INC.
State: MS
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Credit inquiries on your report that you don't recognize

Complaint:
This was my follow up complaint, and it is still me informing the Equifax Bureau that I was requesting them to remove and block the remaining fraudulent inquiry from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Bureau was required to block and remove any items not later than 4 business days after the ( XX/XX/2023 ). Whats more, the details they provided in this remaining inquiry was UNKNOWN to me and this inquiry was already REMOVED from other bureaus and so I have doubts about the reporting accuracy you had with regards to this inquiry. I once again kindly remind the Equifax Bureau for their assistance in promptly removing this remaining unauthorized inquiry from my credit report : EQUIFAX : XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
A representative names XXXX said he was going to report me to his supervisor as in default of debt, in which I would be responsible for the entire amount, he said if I do not pay them, then my license will be suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: WELLS FARGO & COMPANY
State: KS
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:
On XX/XX/XXXX I went to my local bank to get a cashier check I gave my card and ID to the banker over there who stated that my card shows that it was reported lost and no longer active to use and that I will receive a new card in the mail. I destroyed my card and throw it away. A few days after I start getting charges on my card that the banker told me it was no longer active. Total charges were around {$2900.00}. The bank havent fix the problem yet. But I have a feeling that they are doing something wrong to other people too

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 2022-04-30
Company: Experian Information Solutions Inc.
State: OH
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 attempted to resolve my hardship problem by applying for forbearance at the end of XX/XX/2021. It was not processed successfully until the end of XXXX. I am not sure why they did not receive my initial application. When I realized it wasn't processed, I called again, another form was sent but it was the wrong form. When that form was denied. I called again and the proper form was sent over for me to fill out and submit for approval. It was finally approved but one of the loans in the package had different terms that I was not made aware of. I have one loan number that applies to all three of the loan on my account. The forbearance form ask for that number. If I log into my accounts at XXXX there are no individual loan numbers for the three loans that are listed, again they are all listed under the one account number which is XXXX. It was not disclosed that the forbearance application would not apply to all 3 of my loans anywhere on the application or over the phone. I asked that they review all the calls made in regard to the forbearance and it would prove that this information was not disclosed. Two of the accounts that belonged to citizens bank were approved for the forbearance but the one issued by XXXX was not. XXXX updated the 30 day late comment on my credit report for XXXX XXXX but did not update it for XXXX. The accounts are current now and reporting as current on my credit report although the XXXX late stain is still on my credit report from XXXX and I do not think this is just. I have attached the letter with specific dates that I sent to XXXX in an attempt to solve the dispute. I hope you all can assist me in resolving this because it is having a serious impact on my credit score.

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 2022-04-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I've sent emails and called all XXXX credit bureaus, also the creditors that I did not authorize these inquiries nor did I sign for them. 

Per consumer law 15 USC 1681c-2 : Block of information has been violated

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 2020-10-26
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I am not sure where to file this complaint but please forward to the proper personnel. 

From XX/XX/2019 until XX/XX/2019 I applied for a mortgage. I started with companies like XXXX XXXX and XXXX thinking I would shop in one place for the best rate. I was not aware that my credit would be subjected to so many hard inquiries subsequently decreasing my credit nearly XXXX points! 

My credit history in recent years has been very good with years of on-time payments and loan pay offs. I do not believe these inquiries should have been made but, I also do not believe I should be punished so severely for simply shopping for a good mortgage rate. I believe these hard inquiries should be grouped together and not affect my credit score in such a negative way. 

Please look at my Credit Report as well as my wife 's, XXXX XXXX, and you will see periods of time where inquiries should be grouped together and not affect our credit so much. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I receive my bank statements from USAA by mail as I prefer this method of communication. When I wrote some checks I found out that my account was frozen. I was never informed by mail, phone call or email that my account was frozen. I called USAA and they explained that they had contacted me online. I told them I had my statements sent to me by mail and I do not like to go online. They said something about they had contacted me online about a signature card after my beloved wife had unfortunately passed away. I was told to send them a death certificate and that would be sufficient. I was then told by another person that I would have to hire an attorney and get some kind of form because I did not acknowledge the online thing about the signature card. Once again I told them that my statements were sent to me by mail and I do not check my account online. Why didn't USAA call me, send me request by mail or email about this to begin with. They can not only use online as my elderly people like myself prefer other methods than online. Why did they not contact me that my account was frozen by either calling me, writing to me or emailing me? This is no way to treat a veteran XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation