BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: AR
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:
In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Equifax several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has been a victim of identity theft. In addition, how can EQUIFAX currently have stated the last payment of this account was XX/XX/XXXX WHEN IT CLEARLYSHOWS THE LAST ONTIME PAYMENT WAS MADE XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Equifax seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for Equifax to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Dynamic Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was first notified by a telephone call in XXXX  from a woman who told me she was coming to my home to have me arrested and seize my property because I owed a debt to XXXX financial. I hung up and called XXXX, they had no record of any debt ever in my name. I had purchased a XXXX laptop and paid cash at XXXX. I contacted the store manager and he said it was a scam and to disregard it. So, I called the federal trade commission the same day and reported the number.

Since the summer XXXX XXXX, the debt collectors then called my senior parents and told them I owed money and if they didn't pay I would be arrested. After that I continued to get mail for this debt. I've called the company and told them I do not have any record of a debt with that company. And that it was never on my credit report. I contacted the company they are collecting for and they have no record of me owning money. But the calls and letters continue. Today I received another bill. I called again and asked them to stop. 

I have NEVER had a debt, credit card, loan, or payment plan with XXXX XXXX. I have no idea what this even is. I have pulled copies of my credit report for years. It's never showed up. I asked for a loan document with my signature, no one has given me anything. I don't know if this was sold to a debt collector as a scam or if it is identity theft but I don't have a debt with these people. And they have continued to harass me, my parents and the ones before them, harassed me as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: EQUIFAX, INC.
State: CA
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:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There is only 1 account reporting to Equifax which are fraudulent & I'D like them removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2009 i opened Bank of america secured credit card after using few years they converted my secured credit card in to non secured ones. The problem is when the card was secured there was an annual fee of {$29.00} but the card which they converted me into doesn't have any annual fee. But they are still keep charging me {$29.00} fee and that card comes with no benefits like any rewards or point. I feel like i am being charged unnecessarily. 
My request to Bank of America is either to remove that annual fee or convert my card to different ones where i can at least get some rewards. 
thank you

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 2022-11-21
Company: Experian Information Solutions Inc.
State: CA
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 checked my credit report and noticed a fraudulent credit card opened under my name with XXXX XXXX  opened end in XXXX with a balance of XXXX $ this is fraudulent and I need it removed

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im showing a loan from a XXXX XXXX XXXX  on my credit report and I have no knowledge of this account nor have I ever applied for a loan or line of credit with this company

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 2019-12-11
Company: Experian Information Solutions 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:
XXXX XXXX with account balances $XXXX and $XXXX are reporting collections in violation of my 30 day right to dispute. I was never given any notice of these collections and only became aware of them when I checked my credit. This is in violation and they need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: JPMORGAN CHASE & CO.
State: TX
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:
I received a denial letter from Chase dated XX/XX/2017, regarding a fraudulent application for an XXXX credit card. This is the 8th application submitted in my name and every time I have received a denial letter from Chase. I am a victim of identity theft so I have an extended fraud alert placed with all three credit bureaus. Chase is NOT following the proper protocol when an application is submitted. They are supposed to contact me PRIOR to completing the approval process to confirm I am the one who submitted the application. In all of these instances, Chase has not done that. They have denied each application without confirming my identity. The representative I spoke to, I believe his name was XXXX or something close to that, said that the letter I received is merely a notification that an application was submitted but with the same breath called it a denial letter not once but several times. There is a huge difference between a notification letter and a denial letter. I 've received notification letters from other companies I applied for credit with and they indicate on their letters that they can not proceed with processing my application until they have confirmed my identity. I 've attached a copy of Chase 's letter. This letter is obviously not a notification letter. It indicates my app was not approved due to bankruptcy, which is a clear indication they ran my report to see that information without contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: AZ
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 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 non-monetary relief
Consumer complaint received 2022-10-10
Company: BARCLAYS BANK DELAWARE
State: GA
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:
Can not get access to online account due to trouble on Barclay 's end. I have been trying to gain access for XXXX months.

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 2019-11-06
Company: Experian Information Solutions 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:
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 2018-04-13
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is showing charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. 

XXXX XXXX : I have sent letters ( see attached ) to validate this debt ( see attached letter ( s ). They have not responded or they replied with frivolous information that did not address the required information. 

XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX : I have disputed this item with the credit bureau, they have never provided proof or method of verification.

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 2022-11-21
Company: EQUIFAX, INC.
State: NC
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 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: CA
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 checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX XXXX is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you. 

Very Respectfully, 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit.

Now my concern is why my consumer report and credit report are talked in two different aspects. From the previously stated congressional statement the credit report cant exist without the consumer report. So the governing laws of the consumer report should govern the credit report as well.

Well there are violations on the way my credit report is being used without my credit consent. Looking deeper into the code 15 us code 1681a section 2 ( exclusions ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

My consumer report ( credit section ) has transactions and experiences between me the consumer and the person making the report. These accounts are in violation and need to be corrected in 10 business days from the time this notice is received.

In closing Im enacting on my consumer rights of having a accurate consumer report, that reflect my credit worthiness. This is a notice informing you of the error and chance to cure this error. Failure to cure will show civil liability for willful non-compliance.

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 2018-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 customer service

Complaint:
On XX/XX/XXXX and XXXX, 2018, I spoke with four separate Customer Service Reps at via telephone. One of my cards had been hacked and was going to be closed as a result. I have had several problems of the same nature and decided to not acquire a card to replace this one. I  am still in possession of a second card. The problem : I had 381 plus thousand reward points that are worth roughly {$380.00}. I wanted to transfer those reward points to my second card. Although I spoke with four reps, none was able to give me an answer and the points remain in the closed account. It is now showing a positive balance of $ XXXX. I paid off the balance of the account and closed it, as all outstanding balances were satisfied. The reps seemed unable to understand me, and I them. None was a native XXXX speaker, as I am. I asked them to repeat information again and again, but I was unable to receive an answer. They seem to be reading from a script. I was transferred to the wrong dept. when I asked for reward program assistance. When I finally spoke with a supervisor, I was told that I wasn't speaking with rewards program. Two of the calls had group laughter in the background so I'm wondering where the calls were originating from. I've been a customer for 19 years and have a excellent record with them. I asked for a check for the remaining $ XXXX dollars that I was able to use. I have heard nothing regarding this transaction ; however, it may be in process. I would rather have had the reward points, but felt I needed to salvage what I could. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 got a credit card with Capital One and Ive was paying my bills just fine and even paid for it in advance multiple times of how much I over used it but I did pay my debt, but I miss one payment one time because my bank account wasnt getting my paycheck in time and they just deactivated my card and I tried calling to get a new one but they never sent me a new one and my Capital One account is just hanging on a late fee not even reactive my account and sending me a new card that never showed up to this day XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Dear Sir, Citizens has been creating troubles for me by not printing/mentioning complete legal name in the statements, which is violation of state and federal law. I have communicated to them multiple times and also send my identification details to citizens bank multiple times. How did citizens bank not following federal guide lines and not mentioning complete 'legal name ' and also " unnecessary spaces in the middle and last name '', which is unlawful and fraud. Is citizens bank going to be accountable and responsible at Home Land security, Immigration fraud department and USCIS if anyone submits these statements ( incomplete name and and not mentioning complete legal name ) and obtain any immigration and US government benefits. Is citizens bank going to be accountable and responsible for any kind of damages and serious consequences to me by mentioning in complete name, unnecessary spaces in the middle and last name and also not mentioned complete legal name in the account statement under account number. 
Its a serious crime as citizens bank not mentioning complete legal name ( truncated last name and unnecessary spaces in the middle and last name ). 
Could CFPB kindly direct Citizens Bank to mention/print my complete legal name along with account number in the bank statements, online account and all the bank records as per the SSN, VISA and Lawful USCIS work permit records.

Could CFPB kindly direct Citizens Bank to mention/print the right first name, middle name and last name as per my legal documents and there should not be any unnecessary spaces and truncated names, which is causing troubles and damages to me. I am also informing to USCIS and Immigration fraud department that 'please do not accept citizens statements, which have been manipulated and truncated my legal name and considerable amount of mistakes, which cause injustice, dame and fraud to me if anyone submits these online statements and misrepresents me. 
There are very strict guide lines, there should not be any mistakes and violation of federal and state law when it comes to 'complete legal name ' in the bank records and financial transactions. I am also going to file the police complaint and also copy to Michigan XXXX 's office and Federal officer. I have attached first page and highlighted the incorrect information, unnecessary spaces ( middle and last names ), truncated last name under account number. My complete legal name with first, middle and last name must be printed/mentioned in the bank records, statements and all the records of Citizens Bank. 
Could CFPB direct my complaint to federal officer and also publish the article on Citizens bank fraud, which really cause damage to account holders and Immigration/US government with unlawful statements and considerable of mistakes in the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: TX
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 never gave Consumer reporting agency permission put a fraud alert on my account I am demand that they remove the alert from my account immediately.

Company response to consumer: Closed with explanation