BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: FL
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:
CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: ID
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:
Experian, XXXX and XXXX released pretty much all of their data due to horrible, out-domed, and just plain negligent database security practices. This affects almost every single adult American, including my husband for sure, and me almost definitely. They are not really sure when this hemorrhage of data occurred, and they certainly were n't quick about letting me know. I 'm not sreally sure what this means for me and my family, but I know it is n't good. 

I want them to be held responsible for the damage they have caused. I would like them to implement fraud prevention on ALL accounts forever. This should be the baseline level of security, not the step up. Our credit reports should not be something that are 'easy ' for a company to ask for and get. In fact, I 'd prefer to see this information available to banks ONLY.

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 2023-09-09
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 XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX Account Number 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: Sequoia Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had a medical insurance through XXXX ( XXXX ) which published contracted rates for the associated medical providers. When I received the medical service, both the provider ( XXXX XXXX XXXX XXXX LA - XXXX ) and XXXX, who listed the provider in its network, committed a fraud by charging me the rate much higher, than listed in the contract. I disputed the charge and agreed to pay only the price listed on the contract. I did pay the amount due to XXXX promptly, as I was waiting on the resolution. XXXX violated many of their own rules, including failing to notify me in advance if my charges will be different than the contracted rates with the provider, billing the lesser amount than the " XXXX XXXX XXXX '' and others. As I was waiting for XXXX 's reply to my complaints, XXXX passed my " outstanding balance '' to the collection agency, the Sequoia Financials - SF. I believe there is a collusion of at least 3 business entities ( XXXX, XXXX and SF ) to avoid paying claims and charge patients extra amounts in violation of the agreed rates. SF reported my " debt '' to XXXX ( XXXX ), the credit reporting agency, that since then has reduced my credit rating directly affecting my previously excellent credit score. This is a direct material loss that I have experienced by XXXX 's action. The total " debt '' amount is about {$500.00}, and I have been paying monthly much higher balanced. This is the matter of fraud committed against me ( and potentially other patients ) by XXXX, XXXX and SF. I have to add XXXX also to this axis of fraudulent actors because they failed to impartially investigate my numerous complaints that " bad debt '' was manufactured by XXXX and sold to SF. Moreover, XXXX gave me the wrong address to forward my complaint to the regulator agency. I can provide all supporting documentation. I ask that the fraud by XXXXXXXX-SF-XXXX be investigated by the appropriate regulatory agencies, administrative actions be taken, and that any and all fraudulent charges be removed from my account and my credit score status be re-instated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: FL
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:
CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX  ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately 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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately 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 non-monetary relief
Consumer complaint received 2017-09-12
Company: Midwest Recovery Systems
State: NC
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:
Midwest Recovery System placed a collection - adverse account on my credit report on the behalf of XXXX XXXX XXXX. They state that XXXX XXXX XXXX deposited money into my account onXX/XX/XXXX in a checking account that I have opened since XXXX. They state that they deposited the money but could not get payment. That is not true!! Additionally, in XXXX someone filed taxes using my SS #. The IRS has since on annual basis issued me a pin to file taxes since they found my identity to be stolen. XXXX XXXX has never contacted me much less placed money in my account. There has n't even be an attempt to withdraw funds from my account or I would have definitely have addressed it. XXXX now refuses to provide proof of funds deposited into my account. Midwest Recovery System states they have no information to give and they even have an incorrect email address for me. I need proof of the deposits and the attempts they took to withdraw the repayment of the loan through my checking account. If they ca n't provide proof it needs to be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: MI
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 recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : List Name of the accounts with late payments along with their account numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Your companys is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
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 following accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

These accounts are not accurate and I have caused great harm to my credit score. I have tried many times with the credit bureaus but they have failed to verify my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Linebarger Goggan Blair & Sampson LLP
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A letter was sent to me requesting a certain amount for a court case. The letter was written on XX/XX/XXXX. I received the letter on XX/XX/XXXX. The letter stated I owed an outstanding balance to the State for a traffic offense. And further said I have failed to pay the fine to the court and the amount due was too be payed to this " collection company '' The company 's name is Linebarger Goggan Blair & Sampson , LLP. It went on to say if I don't pay I will face legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: FL
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:
CFPB + Credit Reporting Agencies, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Hello, my name is XXXX XXXX. I have been with American Express Serve for years and never experienced anything like what I am going through now. On XX/XX/2021 my account that I have had with you all for 6 years was locked. I noticed this when I tried to pay my bills online and it kept delving my card. I then, went to log into my account several times and could not get in. I tried calling customer service and was told my account was permanently suspended and to write a letter to receive the funds that were in the account. After comparing what could have happened, I realized that my husband received a deposit to my account instead of his and is locked my account. We have both been with AMEX serve for years. I would appreciate if my account were unlocked, so I could access my funds. If this is not done, I will have to file a complaint with the XXXX  and get my lawyer involved. My family desperately needed that money. My entire savings and all are in that account. I am not able to pay any bills, and o am currently sitting in a home without lights because I can not access my funds. I know that my money can not be held. I have work checks, taxes, and other deposits all going to this account that I can not access. My family was already affected XXXX, and now this. My family is in desperate need of this money, or we will lose everything we have! I have a XXXX  and XXXX year old without food, because we have no money. Someone please get back to me via email ( XXXX ) or phone ( XXXX ). I will do whatever it takes to take care of this matter, because my family is in need. Thanks for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AES has claimed the loan was issued in XXXX when it was actually issued in XXXX. This is untrue and has resulted in inaccurate interest charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: FL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2021-09-24
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hi good evening, So you would think with a credit card that has a limit of XXXX and is constantly being used for thousands of dollars in products with a quick payoff that NavyFed would take better charge of things. I called 2x telling Navyfederal that I was experiencing issues with the card declining my transactions for no reason at all. Their response was that I was inputting the card details wrong, blaming me and trying to indicate that I was an XXXX and at fault. I told them I never inputted any card details wrong and have always been using that card with all my transactions, they had no response for me. So I quickly requested a new card as I am in need of the card for everyday purchases and tired of the card declining with myself being blamed, lady on the phone said she will overnight me the new one after our call on XXXX. XXXX 2021, I called up today on XXXX XXXX 2021 asking the status of the card as I never received it, and the new representative said that the new card was not overnighted and that it will take 7 - 10 business days. I am beyond frustrated of this whole situation and now I have to wait for something I had nothing to do with. I have always spoke highly of NavyFed but you guys slipped on this one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following addresses and accounts:XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX LA 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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX Ireviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correctspelling in my name ( XXXX XXXX is not my name, please delete ) I have to start areinvestigation on my file I see addresses and phone numbers that are not mine. I do notlive at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbersare not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I amrequesting some accommodations so I care to protect the integrity of my credit file.XXXX XXXX # XXXX account is reporting 30,60 DAYS LATEsinceXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-09-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi. We recently place an item on XXXX for {$3500.00}. It was a marble bust with a pedestal and stand. Someone by the name of XXXX XXXX contacted me by text and said he wanted to purchase the item for a friend and that this would be a great gift for the friend, but he hadn't spoken to the friend in a while. He said can I send you a cashier 's check, and when you receive it can you deposit it in the ATM b/c it would clear faster. I said yes when the check clears, I will tell you where to pick up the item. I received the check on the XXXX of XXXX. I deposited the check and it cleared on the XXXX of XXXX. I text him that morning and told him the check cleared and I sent him my address as to where to pick up the item. He then told me he called the friend and was told that his wife passed away a couple months ago and he does not feel comfortable giving the friend the statue b/c it would be upsetting to him. He said could he have his money back. I said yes no problem. He them asked me to send him the funds by XXXX. I said no I'm going to send it back to YOU. He asked me to send it to him wife XXXX, but send it {$1000.00}, {$1000.00}, {$1000.00} then {$500.00} I said ok. which I did. Through my bank Chase. Chase XXXX a total of {$2500.00}. I did not know this man cancelled the check in the mean time. Something told me to check my account that's when I knew I was scam and that is was fraud. I saw my account was over drawn by {$1000.00}. So somehow I now owe chase {$1000.00}. Mind you I had only {$1.00} in the account prior to depositing {$3500.00}. I called Chase and tried to explain what happen, they don't want to hear it. Chase is telling me that because I voluntarily sent the money to someone by XXXX, I am responsible for the {$1000.00}. We tried telling Chase this was fraud, they said they know but I am still responsible. I need help and justice. We do not have {$1000.00}. I am in need help please contact me at XXXX. I add my email here b/c I don't know how to register on your page it only ask for login info.

Company response to consumer: Closed with monetary relief