BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: PA
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them, those negative items are still reporting on my end and it affects a lot on my account. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge off XXXX XXXX Balance : {$0.00} Collection XXXX XXXX XXXX XXXX Balance : {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: PNC Bank N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX Consumer and Natural Person, extended my credit to BBVA USA. I have been made aware that BBVA USA committed multiple violations of Federal Consumer Protection Laws Violating my Federally protected consumer rights. BBVA USA has taken adverse action against me as a consumer, slandered my reputation and character, and had no authority or authorization to discontinue my credit. Pursuant to 5 USC 1691d.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PAYMENT ARRANGEMENT ARE SET UP AND CONFIRMED FOR BIWEEKLY PAY DATES FOR AMOUNT OF XXXX LAST PAY DATE WAS XX/XX/XXXX A PAYMENT OF XXXX WAS DEDUCTED FROM MY ACCOUNT AS PLANNED. BUT I NOTICED CASH CENTRAL ALSO DEDUCTED XXXX ON XX/XX/XXXX 3 DAYS BEFORE MY PAY DATE RESULTING IN A AVALANCHE OF OVER DRAFT FEES AND RETURNED PAYMENTS BOTH PAYMENTS HAVE CLEARED MY BANK AND I HAVE NOTIFIED CASH CENTRAL AND ALL I GET IS TRANSFFERED TO DEPARTMENT AFTER DEPARTMENT ONE EMPLOYEE STATED IT WAS A COMPUTER GLICHE AND WOULD IT BE RECTIFIED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-04-29
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: Personal information incorrect

Complaint:
Equifax is reporting my social incorrect. The are the only bureau reporting it and I have disputed it with them and they haven't fixed it. 
They still have my social off by 1 digit and there are several accounts only on Equifax that are not mine & I have never done business with. If they fix my social all those invalid accounts would come off as they are affiliated with that social. 
Because of Equifax not fixing this is has caused me to lose the financing of my house. 
Because of this I have contacted an attorney. 
This is an obvious violation and inaccurate info and I DEMAND it be fixed and the CFPB should demand it be fixed before they allow Equifax to close this complaint. 
I have attached proof of my social and PROOF that they are reporting my social wrong along with all the accounts affiliated with it. 
I am prepared to go further with legal action as long or as far as I need to take it. I am so tired of fighting this and them not being accountable. You guys are ruining my life! 
Do your job and fix it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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:
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over XXXX XXXX heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX did fraud with my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over nite inever heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from XXXX XXXX XXXX  and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when state farm total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and XXXX XXXX did fraud with my information

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 2023-06-20
Company: Experian Information Solutions Inc.
State: MD
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 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 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 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 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX, XXXX did not validate the debts they allege I owe. They never sent me anything in writing, I had to find out about them by reviewing my credit report. They pretend they did not receive my timely, written demand for validation under XXXX XXXX XXXX Sec. XXXX XXXX b ) of the FDCPA. HOWEVER, they did XXXX XXXX ) respond ( how would they respond if they really did not receive my written demand?!? ) but their response did not comply with XXXX in any way, shape, or form. It merely said the account had been " closed '' instead of actually validating, per my request. XXXX XXXX attached XXXX. It has been many months yet they are still listing a negative ( XXXX XXXX on my credit reports, despite the law giving them 30 days maximum. 

The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX, XXXX from my credit reports.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested for credit inquiries to be removed from the 3 credit bureaus and I was denied to have them removed. I understand my consumer laws and wish that the financial institutions do not share my inquiries to the 3 credit bureaus. I was not asked for permission for the information to be shared. I have no accounts with these inquiries below. 


According to Consumer Report and Information Sharing- Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) states I have rights.

15 U.S.C 6801- privacy obligations, financial institutions have an ongoing obligation to protect my information without my sole permission.

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 .U.S.C . 6802 ( A-C ) states I have rights. I was never told these inquiries were gon na report or asked do I want them reported.

Account names : 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 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 explanation
Consumer complaint received 2021-11-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/21 I executed an international wire transfer for {$18000.00} which debited my account on XX/XX/21. The wire did not go thru do to a recipient XXXX mismatch, & was held at the foreign bank. XXXX advised me to cancel the wire, which I did on XXXX. I instructed the XXXX bank to return the funds, which they did on XX/XX/21. The funds, however, were never credited back to my account. I reached out to XXXX in person at the branch, via correspondence using their secure messenging system, & made countless phone calls to their customer service department. Despite all of these efforts, XXXX has not even provided the status of the situation & I have no clue when & if I will get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Bread Financial Holdings, Inc.
State: IL
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:
Credit card with XXXX XXXX  was opened in my name fraudulently contacted card issuer advised decision would be made in 90 days have not heard back until they reported account is delinquent on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2023-02-28
Company: The CBE Group, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sold a XXXX XXXX on XXXX on XX/XX/2021. Order number XXXX. There was a claim filed by the user who stated they didn't receive the item on XX/XX/2021. A case was opened on XX/XX/XXXX by me and closed the same date. Case id number XXXX. I appealed the decision on XX/XX/2021 and the appeal was closed by XXXX. XXXX refunded the user and charged me with a debt of {$800.00}. They have banned my account and I have tried to appeal the decision showing them proof of messages I have had with the user and the address the supposed user wanted me to mail the item to. Now I am receiving calls daily multiple times a day from CBE Companies debt collection agency. It hasn't shown in my credit report and I haven't received anything in writing by the company. I want to dispute this debt because I was scammed by a XXXX user to send my item to the wrong address and XXXX is holding me accountable instead of the scammer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
HAD A PURCHASE IN XX/XX/XXXX XXXX. MADE A RETURN THAT WAS TO REDUCE THIS ORIGINAL AMOUNT. XXXX XXXX XXXX XXXX ( THRU XXXX XXXX XXXX XXXX DID NOT SEND ANY BILLS FOR ALMOST 90 DAYS ( ZERO COMMUNICATION ). NO CALLS/NO TEXTS/NO MAIL/NO EMAIL TO SAY THAT THERE WAS A BAL REMAINING OF {$83.00}. THIS ACCOUNT HAS BEEN OPEN FOR 19 YRS ( AND HAS NEVER EVER BEEN LATE ) XXXX REPORTED THE ACCOUNT ON TRANSUNION 30 DAY PAST DUE IN XX/XX/XXXX WITH A BAL OF XXXX SHOWING ON BUREAUS ( THIS IS A ZERO BAL AS OF XXXX. I WOULD LIKE THEM TO REVERSE THE 30 DAY REPORTING ON ALL 3 BUREAUS

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 2018-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, i was charged an overdraft fee of {$35.00} for a transaction of {$11.00}. I spoke with a customer service representative and a manager over the phone. They said you already had 2 fees waived since i opened the account, that is probably 4 months or so. But as i told them chase never charged fees if the transactions were under a certain amount. The manager denied and said the fee will stay. Im a middle class person, living by paycheck to paycheck. I cant afford to pay {$35.00} for {$11.00}. Please assist.

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 2023-11-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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:
I signed up for the Southwest Rapid Rewards card with the following offer : Earn XXXX bonus miles after you spend {$1000.00} on purchases in the first 3 months from account opening. I have not received this sign on bonus after spending over {$2000.00}. I contacted Chase multiple times about this and have been told that I do not meet the requirements. This is now the XXXX time this has happened to me. Chase bank is doing XXXX  business practices. They claim the offer was actually spend {$3000.00} get XXXX. What they appear to be doing is running XXXX parallel offers and do a bait and switch on the consumer, saying they actually signed up for the other offer. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, account DEPT OF EDXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report 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 non-monetary relief