BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: MN
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:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 



I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 



I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS Account Number : XXXX Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions 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 XXXX  Account, Account Name : XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX  Account Number : XXXX XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently discovered that I am the victim of identity theft. On XX/XX/2022, I sent a copy of the FTC report, my ID, proof of residency, and a letter identifying the fraudulent items that have been published to my credit report by TRANSUNION without my authorization of consent. These documents were sent certified mail. The tracking number confirms that XXXX received these documents on XX/XX/2022. Federal law states that these items must be removed within 4 days of receipt. As of today, XX/XX/2022, 15 days have passed and there are still a total of XXXX fraudulent inquiries, which are all included in both the FTC report as well as the letter I sent, is still being published on my credit report. At this time, Transunion is being noncompliant with Federal law by continuing to furnish this information. I have attached all of the documents relating to this complaint including the FTC report, letter identifying all fraudulent items, ID, proof of residency, & certified mail tracking history from 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 2023-09-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, located XXXX XXXX XXXX, XXXX, Illinois, XXXX with I.R.S. Employer Identification Number XXXX and XXXX and Equifax are reporting inaccurate information to XXXX XXXXXXXX XXXX consumer report which seems to be an intentional attempt to commit securities fraud, and purposefully interfere with XXXXXXXX XXXX pursuit of happiness. XXXX, XXXX and Equifax are reporting that XXXX account XXXX XXXX and XXXX account number XXXX are both charged off as bad debt which is inaccurate as you can see in the attached 1099-C copy B received from both companies the debts has been settled and cancelled. The courts have ruled it is inequitable to allow creditors to belatedly enforce an alleged debt after its received a tax benefit from the cancellation of debt. I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST THE CONSUMER REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX I received notification that my dispute results for XXXXXXXX XXXX XXXX account number XXXX were process. With this dispute, I sent proof that the account balance was inaccurate reported. As of XXXX, that account shows a zero balance the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX had an extension agreement which means the account is reporting late payments that are invalid. On XX/XX/XXXX I received an additional dispute result pertaining to the same account with XXXX XXXX XXXX stating that account was updated attached below I have shown no updates being updated on this account through Experian. 
I have attached below all extension agreements and a copy from my XXXX account statement, showing a zero balance. The account balance that was reported to Experian which states XXXX but on XXXX transaction history shows XXXX. As of XXXX XXXX there is a {$0.00} balance.

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 2018-03-13
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I purchased my home with an 80 % loan to value HELOC from Washington Mutual. In XX/XX/XXXX I REFINANCED that HELOC with a new 80 % loan to value HELOC from Washington Mutual. The original purchase HELOC was never RECONVEYED after being paid off and closed. It still shows as a lien on my home. Chase has attempted to foreclose on a lien that should have been RECONVEYED, but was never RECONVEYED. Chase says my home is overencumbered by over {$100000.00}. My refinance loan in XX/XX/XXXX was an 80 % loan to value loan. There should be no possibility of my home being overencumbered.

I quit paying on my HELOC in XX/XX/XXXX, when I realized Chase had a fraudulent lien on my home. I attempted to have them remove it. They would not resolve the issue. I hired an attorneys office in XX/XX/XXXXto attempt to do a short sale on the home because I can not afford a home that is overencumbered by {$100000.00}. I had three different offers on the home between XX/XX/XXXX, and XX/XX/XXXX at the appraised price of {$320000.00}. Chase never agreed to do a short sale. OnXX/XX/XXXX, Chase canceled my short sale, and applied a credit of XXXX to the actual loan that should exist on my home. They sent me a letter saying my short sale was canceled because I had ( approximately {$100000.00} ) equity in my home, and a short sale was not necessary. Meanwhile the fraudulent lien was to be auctioned on the courthouse steps a few days later in foreclosure. On XX/XX/XXXX, After I was credited {$210000.00}, and told by Chase that I had equity in my home, I paid Chase {$13000.00} to bring the loan current that was headed to the courthouse steps in foreclosure. On XX/XX/XXXX, Chase charged my account {$210000.00}, bringing the entire situation back to square one. I paid them {$13000.00} in good faith that the situation had been resolved. After I gave them the money, they defaulted on the promise they had made to me by crediting my account {$210000.00} and telling me I had equity in my home. Chase is holding me and my house hostage with a fraudulent lien, that they promised to fix and then reneged after I paid them {$13000.00} in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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: Reporting company used your report improperly

Complaint:
Sent out multiple disputes with all the proper documentation experian credit bureau and they still won't do and proper investigation. But still remain the fraudulent account and inquiries on my credit report. Now I'm demanding proof of their full investigation with all the supporting documents showing that all information is correct or else removed from my credit report immediately.

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 2022-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Credit Reporting Act. XXXXt Account # XXXX has violated my rights. 

In accordance with the Fair Credit Credit Reporting Act. XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A, States I have a right to privacy 15 U.S.C 1681 section 604 A, It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-06-17
Company: EQUIFAX, INC.
State: AR
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 the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name XXXX XXXX Account Number 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

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 2020-01-31
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was first notified by phone on XX/XX/XXXX when Consumer Collection Management refused to give me any detail concerning the debt they were calling about. An attorney I spoke with said that as the creditor had turned this to a collector they would likely refer me to the collector. Since I could not get information from the collector I tried to call the creditor several times the following week and there was no answer no recording. I did not even know the amount being claimed until XX/XX/XXXX when it showed on my credit report. 
On advice I filed a dispute with all three credit bureaus written the next day and mailed return receipt the following day. I have since received all three of the receipts. As I understood that collections would not continue to contact me during the dispute process I didnt take further action while waiting for the companys response to the dispute. 
On XX/XX/XXXX I received a call that disconnected within seconds of my answer so I dialed the number back. When I realized it was Consumer Collection Management I turned on my recorder. I told her I had been disconnected and she informed me my file had been noted that I refused to cooperate and so the collector disconnected the call. I told her that there wasnt enough time for that to have transpired as the call was a few seconds in duration. I then stated my understanding that they should not be contacting me while this account was in dispute. She told me who they worked for and that the collections would continue regardless. She stated that they had been sending notices about this to an address on XXXX XXXX at which I have never lived. I told her this again as I had told them on previous occasions when they called and on their call of XX/XX/XXXX when they asked to verify my address. They knowingly continue sending notices to a place I have never lived and they keep telling me that will note my file that I refuse to cooperate. When I try to clarify they tell me they can not discuss the debt and hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: JPMORGAN CHASE & CO.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had this set up for auto pay. Every month I had to sit on phone for an hr to get it fixed or payed. It Was just for the fee they charge. I have called and had investigations done. All chase does is move the lates around from one month to the next. All my credit is 100 % pay on time for 20 year and more then 28 accounts. Funny I only have a problem with chase bank for two years. What was funny at the time I did the loan this bank said I was a XXXX credit!! Ok well 1 week later I thought I would refinance it and I had XXXX come back with a score of XXXX. Yes I know of the difference models but 120 points. This should be illegal! I took the truck and traded it off to get rid of Chase. Bank needs To be investigated for illegal charges and plus I never talked to a US person once to try and fix the problem. Not a good bank with all the complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I filed 4 disputes with synchrony bank for my refund with XXXX. From what I understand the third dispute, Syncrony automatically denied it and wouldnt even consider going ahead with it. I finally contacted XXXX for a second time six months in the running and found out that they had did a manual refund six months earlier that didnt go through for some reason so today I received an email that the refund has finally gone through. I have no idea why synchrony bank could not accomplish this refund with XXXX  other than being totally incompetent. From what I understand synchrony bank is telling me that they have to report the re-disputes to the credit bureau. Well, I am reporting that synchrony bank is incompetent and there are disputes obviously because I managed to get my refund myself when I contacted XXXX for the second time six months later. I have three credit cards through synchrony bank and plan on closing all three of them. I no longer plan on doing business with synchrony bank whatsoever.

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 2022-01-09
Company: Experian Information Solutions Inc.
State: PA
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 recently sent letters to the credit bureaus on XX/XX/2021 and collection companies on XX/XX/2021 and the ignore my letters and my request i made regarding to the negative and inaccurate and inconsistencies on my report. According the fdca and fcra every thing on your credit report should be reporting the same.

15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never have you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.

1. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

No consent is IDENTITY THEFT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than XXXX, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the 1st week of XXXX, but I didnt get any offer or feedback from CITI XXXX 
After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. 
After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. 
However, I never got any feedback from CITI, and when I called last Friday, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives everytime I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. 
They couldnt told me what kind of code was missing because they didnt know, either. 
This does not make sense at all, and I can not believe how CITI bank scammed customers.

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