BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: SC
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: CCS Financial Services, 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:
Credit Collection Service Original Creditor : XXXX XXXX  Open Balance : {$300.00} Acct Opened : XX/XX/ In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX and I am submitting this CFPB Complaint asa follow up to the 1st round Complaint I recently submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX requesting the Credit Bureaus to remove the Accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$710.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$580.00} XXXXXXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} CXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CITIBANK, N.A.
State: VA
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:
There was a charge made by XXXX XXXX XXXX XXXX XXXX out of XXXX, VA for {$4000.00} on my Brooks Brothers card ( backed by CitiBank ) and when I attempted to dispute this as fraudulent Brook Brothers card ( backed by CitiBank ) is still refusing to return the funds. I contacted XXXX XXXX XXXX and XXXX XXXX and nobody can provide me with any of my signatures, any document with my name on it either. I've attempted multiple times to resolve this issue but I am not getting any luck. I hope Consumer Bureau will be able to resolve this huge amount made on my account.

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 2023-01-29
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XXXX in the statements from : End XXXX, End XXXX, End XXXX, End XXXX and End XXXX The category Bonus on my Cash+ card from US Bank were not credited. 
On the statements at the Bonus Furniture + Utilities the amount is {$0.00}. 

Strangely the statement of End of XXXX is correct. 

Charges were from XXXX XXXX ( XXXX ) and XXXX XXXX. Both charges have been credited each month prior without any issue or missing amounts. 

I contacted US Bank via phone on XX/XX/XXXX, they said to look into it. 
I received a letter dating XX/XX/XXXX saying that nothing is wrong but I can fax any transactions details where I see missing rewards. 
I faxed on XX/XX/XXXX all 6 statements of Q3 and Q4, highlight what is missing and the amount. 

I received a letter XX/XX/XXXX stating that Q4 the bonus category wasn't selected. 

How can that be? I am pretty sure I did and on the statements it also shows this. 
That still doesn't explain why two statements in Q3 don't have it, but XXXX has 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 monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: CA
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've contacted XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Solar Mosaic LLC
State: NC
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 called Mosaic company and cancelled my contract due to the XXXX XXXX XXXX never coming out to start the job. Mosaic ( The company ) and XXXX XXXX of XXXX home remodeling ( The XXXX ) both agreed to cancel the contract and not have it report to the credit bureaus. On XX/XX/2022 Mosaic has since reported the account to the credit bureaus ( XXXX, XXXX, XXXX ). The account is reporting as XXXX XXXX account # is XXXX and Account/loan # XXXX. 

XXXX XXXX opened the fraudulent account on XX/XX/2022. I have spoke with both the XXXX XXXX as well as the lender Mosaic and Mosaic assured me that this information would not be reported on my credit report and thatchy would cancel the contract. 

I spoke with XXXX XXXX ( XXXX XXXX ) over at Mosaic at XXXXXXXX XXXX XXXX XXXXXXXX and he provided me with a case # XXXX regarding the cancellation of this loan and it should have never been reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX please 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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2023-06-20
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I transfer {$12000.00} from my crypto exchange company to my chase checking account. Everything seemed to have transferred properly. All I had to do was wait for the funds to be available in my chase checking account. But upon waiting I tried to log into my account on XX/XX/2023 at XXXX my account had been locked and the message read " We locked your account due to suspicious activity. Please call to resolve the issue. XXXX from XXXX to XXXX XXXX. Keep in mind : you won't be able to see your statements and notices online until we unlock your account. '' This really worried me because I thought maybe I had been hacked or something so I called right away! I spoke to one of the representatives from the chase customer protection team about the message I received. They verified my identity then the representative told me they will no longer have me as a client and my accounts are in the process of being closed. I was very confused and asked why they were closing my accounts. The representative refused to give me an explanation and said I would have to wait for a letter in the mail. This left me confused and frustrated because I have all my money in my chase checking account and they are prohibiting me from accessing my own money! The only way I can access these funds is through chase bank because is the only bank account linked to my crypto exchange company. Chase has given me XXXX to no explanation where it is or when I will be able to access it. This has been a very devastating process and I hoping you could help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: DC
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:
Assuming that autopay was enabled, I did not initially notice when I missed a due date for a minimum payment of ~ {$35.00} ( on a total balance of ~ {$80.00} at the time ) in XX/XX/2020. I have most of my accounts ( including a different store credit card account through this same bank ) set to autopay, and had not realized that autopay was, for some reason, not an available option for this account at the time. 

The late payment notice was filed with the credit reporting agencies before any attempt was made to contact me to resolve the issue- when I was notified and contacted I immediately paid off the balance in full. 

I have attempted to work directly with the bank to get this mark removed from my credit report, but they have refused to make any adjustments.

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 2023-12-19
Company: MOHELA
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:
MOHELA/DEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX Violated the PRIVACY ACT OF 1974 AND THE FAMILY EDUCATION PROTECTION ACT by providing my non public personal information to XXXX XXXX AND XXXX and I'm sure multiple others that I have not tracked down yet. They stated that they would not provide any of my personal transaction history with any non affiliates or third-party companies. All of the credit agencies are non affiliates of mohela/Dept of education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: NJ
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:
My personal data was exposed by the Equifax data breach of 2017. Equifax admitted that I was a victim of this breach. That my personal data was impacted. 
Due to this breach, there were accounts opened in my name and said accounts went into charge off status. 
I am currently paying off these charge offs action against. 
The court did not want to hear " these are not my accounts '' Because of the equifax breach, I am left holding the bag so to speak.

Company response to consumer: In progress
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX This Above listed Accounts has violated my rights. THE CREDIT BUREAUS KEEP DISRESPECTING THE LAWS I SHOWED THEM MULTIPLES TIME OF HOW THEY ARE VIOLATING THE FAIR CREDIT REPORTING ACT. 

ACCORDING TO 15 USC 1681 i ( 5 ) the credit bureaus have to modify or delete account that are not reporting accurately.

ACCORDING TO 15 USC 1681B ( 1 ) THE CREDIT BUREAUS DONT HAVE NO WRITTEN PERMISSION ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRVACY.

ACCORDING TO 15 USC 1681S-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of error A person shall not furnish information relating to a consumer to any consumer reporting agency if -- -- - ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate : and ( ii ) the information is, in fact, inaccurate. I can go on and on the credit bureaus have no respect for the laws. someone needs to hold them accountable for 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 non-monetary relief
Consumer complaint received 2020-08-06
Company: Sequium Asset Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call when I answered the call was disconnected. Called back the recording indicated a balance of {$310.00} was due and provided ways to make payment. I prompted for a representative of whom refused to say who the call was for and that I will need to I.D my name. I advised I received a call and according to the FDCPA they are required to say who the call was for as they initiated contact by calling my phone. The unknown representative refused information and hung up. I called a second time and spoke with XXXX XXXX, requested to know who they are calling for and repeated the same with the previous representative ( she hung up as well ). The third call was immediately terminated without a representative acknowledging the call had been answered. 
SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone XXXX https : //www.sequium.com/

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: DC
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:
Assuming that autopay was enabled, I did not initially notice when I missed a due date for a minimum payment of ~ {$35.00} ( on a total balance of ~ {$80.00} at the time ) in XX/XX/2020. I have most of my accounts ( including a different store credit card account through this same bank ) set to autopay, and had not realized that autopay was, for some reason, not an available option for this account at the time. 

The late payment notice was filed with the credit reporting agencies before any attempt was made to contact me to resolve the issue- when I was notified and contacted I immediately paid off the balance in full. 

I have attempted to work directly with the bank to get this mark removed from my credit report, but they have refused to make any adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: LA
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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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've contacted XXXX XXXX  & they told me I've never missed a payment, yet XXXX, XXXX and TransUnion credit Bureaus refuses to update me from being listed as late starting on XX/XX/2022 to XX/XX/2022 on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX XXXX : {$8200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Assuming that autopay was enabled, I did not initially notice when I missed a due date for a minimum payment of ~ {$35.00} ( on a total balance of ~ {$80.00} at the time ) in XX/XX/2020. I have most of my accounts ( including a different store credit card account through this same bank ) set to autopay, and had not realized that autopay was, for some reason, not an available option for this account at the time. 

The late payment notice was filed with the credit reporting agencies before any attempt was made to contact me to resolve the issue- when I was notified and contacted I immediately paid off the balance in full. 

I have attempted to work directly with the bank to get this mark removed from my credit report, but they have refused to make any adjustments.

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