BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: KS
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 : # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 : 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 2019-07-03
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This is a robo call threatening that they are going to take legal action against me. They are threatening that they are going to contact my employer. They say it is a pending matter. I have no pending matters against me and now they are calling my work number. I have looked online and there are many complaints from different people regarding the same matter. It is a scam where they will only give you information about the pending matter if you pay them money.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-27
Company: Experian Information Solutions 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:
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 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 2018-09-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent letters, along with my identification, and a Federal Trade Commission XXXXdentity Theft Affidavit to the 3 major Equifax, XXXX, and XXXX  on XX/XX/XXXX and XX/XX/XXXX asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been going back and forth with Equifax and I have not been able to get this harmful and inaccurate information off my credit profile, even after submitting a police report and an identity theft form. Many addresses, phone numbers, and names have been found on my credit profile that I am not responsible for nor associated with. This fraudulent information is harmful to my profile, it is affecting all aspects of my life, and hindering me from any financial decisions. It is robbing me of my basic rights as a citizen of the UNITED STATES OF AMERICA. Equifax is the company responsible for allowing this information to be reported on my account in the first place. Many people are very ignorant of their credit profiles and do not know that Credit Reporting Agencies make money while their information is on their report, regardless of whether it is true or false information. I did not apply for the following accounts/services, I have been traveling the world back and forth. I did not give Equifax consent to place anything on my profile, nonetheless anything FRAUDULENT. I am being denied basic human rights such as shelter, safety, and privacy. If the following fraudulent accounts and fraudulent address are not removed from my Equifax credit profile, I will be forced to hire an attorney and seek damages due to Equifax 's unchecked and UNLAWFUL actions against my life and my credit profile. 


FRAUDULENT ACCOUNTS BELOW 1. XXXX XXXX xxxxxxxxxxxx XXXX 2.  DEPT OF ED / XXXX XXXX XXXX FRAUDULENT ADDRESS XXXX XXXX XXXX, XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Wow! Just wow! You guys are making me sick with all this non sense youre doing on my credit file. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers XXXX by XXXX and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I dont believe that you there at Transunion have no time to tackle or review my complaints and Im sure you have seen my FTC report Ive sent. Dont you know you have instigated so much stress since youre still reporting this detrimental record on my credit file? You are damaging my credit file for this! I am a victim of identity theft and Transunion is neglecting my complaints by not complying with FCRA section 605B. Please DELETE these items for theyre not mine! I DONT OWN THEM! 

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 2022-10-28
Company: AES/PHEAA
State: ID
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:
My son passed away unexpectedly last XXXX. Upon contacting AES regarding his outstanding student loans, I was told to submit an original copy of his death certificate in order to determine whether or not they were forgivable as shown on the AES web site. The death certificate was not finalized until XXXX. I immediately expressed an original copy to AES for which they did not acknowledge receipt. 

Beginning immediately after my son 's passing and extending until the issue was settled, I received calls at my workplace from AES employees with no details. They would state the account was past due and ask for payment. I would explain my son had passed away and we were waiting for the death certificate. The callers would always promise to " ... make a note in the file. '' but the next week another employee would call with the same script. I also received form letters and e-mails with no specifics. 

XXXX telephone conversation resulted in copies of the loan documents being mailed to me. I did my own research and concluded the loans were privately funded and therefore not eligible for forgiveness. I paid the loans in full including added interest. 

Despite AES forcing me to recount my son 's passing weekly for several months, failing to acknowledge receipt of his death certificate, offering no help determining the loan status and being paid in full including added interest for the months they wasted, they chose to report me unfavorably to the credit bureaus. A request to AES to rectify the situation was met with the brainless response that their records do indeed show me paying late. 

AES may be on the cutting edge of automated loan administration, but their system is painfully stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/18 I contact my XXXX XXXX account customer service dept because during the week prior I had transferred funds from my investment account into the cash account but those funds were not there. Rep instructed me to pay out of pocket and go home, get a confirmation number off my computer and call him back with it. Confirmation number didn't exist and was no where in my email or on anything I could access. 

XX/XX/18 Contact XXXX customer service again, funds still not available. Rep was very dismissive. Said he wasnt sure what my problem had been but he was able to complete the transfer. I should see it in 3-5 business days. 

XX/XX/18 Money still not there. I call again, and the rep ( XXXX I believe ) explains he's not seen this happen before but there is a pending transfer and he can't tell why it hasn't been completed. He takes my phone number and says he'll call me back when it is straightened out. 

XX/XX/18 XXXX finally calls back. I miss the call, call back and speak to another rep. She says it's been resolved and should be able to make the transfer online now. I'm concerned because I was told this before and it didn't work. I wasn't near my laptop and couldnt verify. Also irritated that I'm still waiting for my money and ask to speak to her supervisor. XXXX assures me it has been corrected and says she'll email the brokerage side and see if they can rush the transfer for me. I ask to be copied on the email and she refuses to do that. She tells me she will call me back with an answer later. She does call back, but leaves no explanation on my voicemail and I'm at work ( which I told her I would be and she should leave a message. ) Says she'll be gone in another 1/2 hour so I dont have time to return the call. I finally get to my laptop and try to make the transfer myself AGAIN and the online interface tells me it has not been scheduled. 

There are consequences for people like me when I don't have access to my money. I've been more than patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The following Creditors XXXX XXXX XXXX, XXXX and Chase bank have " charged off '' my debt to the IRS ( not to be confused with discharged due to bankruptcy ) they are listed on my attached credit report line item # 3 XXXX ) line item # 8 XXXX ) and line item # 13 Chase Bank. I have attached the bankruptcy documents signed by Judge XXXX. Since these creditors had already charged off the debt prior to the settlement, these funds forwarded to the banks by the trustee need to be returned to the estate in full and closed out. The addresses and contact information are included on my attached correspondence. Thanks you in advance for your help with this situation. regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Account information incorrect

Complaint:
I looked at my Equifax Credit report today and found information that is hurting me financially and is also false information. I have several account being listed as " charged off '' meaning these companies should have issued me a 1099C form for tax purposes as the debt has been canceled out and is reporting as income to the Internal Revenue Service. I never received such forms from any of the creditors listed below. Since income can not be reported on my credit report then I demand these false, negative items be deleted at once as per the F.C.R.A. 


XXXX Bank Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received an email from XXXX XXXX " XXXX XXXX '' telling my my XXXX frequent flyer account had been terminated. The reason was vague, multiple choice and more of a form letter that anything specific. At the same time they canceled 3 flights of a set I was about to start taking on XX/XX/XXXX. 

I had accumulated XXXX miles in this XXXX account. This from a combination of credit card offers, direct spend on these credit cards and yes, some miles from 2 specific revenue flights. The flights that were canceled has cost an additional XXXX total from my XXXX account. 

On to the Citi part. From some internet research about this issue, it appears that XXXX  is doing this to many " customers ''. The consensus is apparently that I obtained too many credit cards ( and associated bonus miles ) from Citi. Their belief is that using only Citi 's most strict rules, you can only get 3 or so credit cards in a 2 year period. Offers that Citi sends through the USPS mail have less strict restrictions and it is easy to obtain more than the limits XXXX  is applying. 

In short, Citi approved " too many '' credit cards for me and Citi 's partner, XXXX XXXX, thought that my count was too high. Without warning or recourse, they closed my account. Citi provided me with generous credit card sign up bonuses that were subsequently taken away by their partner, XXXX. XXXX believes it can do anything it wants with its program and for any reason. Citi does not provide a warning during the application process and somehow happily allows customers to sign up for too many ( in XXXX  's eyes ).

The frustrating part about this is that Citi can claim it was XXXX  committing this foul, where XXXX   makes vague claims and the bottom line is it thinks Citi gave out too many credit cards with bonuses. 

I suspect XXXX  sold these miles to Citi. Citi issues them to me after meeting various financial obligations ( a significant cost to me ), then XXXX  takes them away? What kind of scam is this? 

I will note, also, that Citi continues to offer XXXX XXXX credit cards to  customers with XXXX  mile bonuses. I still don't see a warning about XXXX  's " right '' to take them away as they please.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXX XXXX XXXX XXXX has yet to remove the account I Opted-out of on XXXX XXXX XXXX Please delete this account as it is hindering me and my family financially.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request its immediate removal from my credit file.

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 2022-10-28
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I am bringing a matter to your attention in the hope that you will be able to assist me and rectify an injustice by BMW FinanciaXXXX in settling a vehicle lease I recently terminated. 

I recently lost my vehicle in Hurricane Ian. I leased the car from BMW Financial Services and it had roughly a {$28000.00} balance, according to BMWs website on XX/XX/XXXX. My insurance company, XXXX XXXX, paid the market value of the vehicle on XX/XX/XXXX, amounting to {$40000.00}. The difference between the insurance proceeds and the lease balance was roughly {$12000.00}. BMR Financial Services plans to keep the difference. They believe they are justified, since they own the vehicle. This is a hardship for me ( I am retired ), since I had planned to use the equity to purchase another vehicle. I object to their policy and believe it is unfair for several reasons : XXXX. Lack of disclosure. Had I known, I would have paid off the lease balance in early XXXX, which would have entitled me to the proceeds. This was not disclosed on their website nor was it in the lease contract. 
XXXX. Usurious. The roughly {$12000.00} profit BMW plans to retain represents approximately a 43 % gain on the lease balance. While a lease is not a loan, and subject to Federal usury laws, nonetheless, it is a financial contract. I believe a 43 % return is inappropriate, and takes advantage of retail customers who individually have little means to battle a large, foreign manufacturer. 
XXXX. Takes advantage of Hurricane Victims. This policy takes full advantage of Hurricane Ian victims. When I complained to the BMW agent, they mentioned that this policy had specifically been discussed at BMW, and that other customers had also complained to them about this same policy. I take this to mean that they are victimizing numerous customers in the XXXX XXXX area. 
XXXX. Inadequate alternatives. BMW offered to apply the difference if I leased another BMW from them. However, BMW had no XXXX XXXX vehicles available on the XXXX XXXX and would not be able to source another car until XXXX at the earliest. I need a vehicle sooner than that, so this offer is hollow. 

I can be reached at XXXX XXXX XXXX. Many thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX  : Account XXXX has violated my rights. Or list of inquiries 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