BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NJ
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 did not give anyone authorization or consent to use my personal information. 
I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.

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 2023-04-25
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: Information belongs to someone else

Complaint:
I am writing to you to bring to your attention a serious matter regarding an erroneous credit report that has led to identity theft. Despite my repeated attempts to resolve this matter, I have not received any satisfactory response from your agency. 
Firstly, I would like to inform you that there are certain accounts that are not reporting on all three Credit Reports. This is in clear violation of Metro 2 compliance standards. As a consumer, I have the right to have accurate and complete information on my credit reports. The omission of certain accounts is leading to an incomplete and inaccurate credit report, which is affecting my creditworthiness and financial standing. 
Secondly, the erroneous credit report has resulted in identity theft, which has caused significant financial and emotional distress. I have repeatedly notified your agency about the fraudulent accounts, but the investigation has failed to resolve the issue. The lack of appropriate action has resulted in the identity theft persisting, and I am now facing severe financial and personal consequences. 
I strongly urge your agency to take immediate and appropriate action to investigate and resolve the erroneous credit report and the identity theft. As a consumer, I have the right to accurate and complete information on my credit reports and protection from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Experian Information Solutions 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:
Experian Consumer Assistance XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Written Instruction Pursuant to 15 USC 1681b ( 2 ) Dear Experian Consumer Assistance, I hope this letter finds you well. I am writing to address a matter concerning the furnishing of a consumer report without my explicit permission. Pursuant to the provisions outlined in 15 USC 1681b ( 2 ), I hereby request that you provide me with a written instruction, if any, that I have on file granting you consent to furnish a consumer report on my behalf. This request is made in accordance with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

To my knowledge, I have never given Experian consent to furnish a consumer report about me in the first place. As such, I believe that your actions may be in violation of federal law. I kindly request that you promptly provide me with the aforementioned written instruction, if it exists, to substantiate your right to furnish a report on my behalf. 

Failure to provide the requested documentation will leave me no choice but to pursue legal action against Experian for noncompliance with federal law. I will not hesitate to file a complaint in federal court and seek appropriate remedies. Additionally, I will consult with legal counsel immediately to ensure that my rights are protected throughout this process. 

Furthermore, I demand that the entire consumer report pertaining to my personal information be expunged from your database if my consent can not be substantiated by a valid written instruction. This includes any and all associated data, as well as any information derived from the consumer report. I expect full compliance with this request within the timeframe specified by applicable laws and regulations. 

Should this matter remain unresolved, I will provide you with an affidavit of truth and an invoice for the inconveniences caused by your noncompliance with federal law. I trust that it will not come to this, as I believe Experian values its reputation as a responsible and law-abiding credit reporting agency. 

I appreciate your attention to this matter and expect a timely response within [ number of days, normally 30 days ] from the receipt of this letter. Please address all correspondences related to this matter to the address provided above or via email at XXXX. 

Thank you for your prompt assistance in rectifying this situation. I hope we can resolve this matter amicably. 

Sincerely, 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 2021-10-28
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I would like to understand how you can say one thing and XXXX XXXX  can say another the documents are attached to reflect I have attached XXXX XXXX  payoff and response as well as Rockets previous response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/2019 XXXX XXXX  XXXX was on my credit report. I tried to contact them but was unsuccessful. I would like this account to be removed as I have no knowledge of this that is owed.

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 2022-12-13
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX is not only breaking laws but destroying my credit. I have filed multiple complaints about the fraudulent account XXXX. This company has opened and closed this account TWICE please see attached proof. 
15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 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.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
OnXX/XX/2019 XXXX notified us that they were reversing the following charge on our BECU Visa credit card : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX WA {$460.00} ; WE HAVE NOT RECEIVED THE ASSOCIATED CREDIT TO OUR BECU VISA ACCOUNT as of the date of writing. We have contacted BECU customer support regarding this missing credit on several occasions. BECU has been unable or unwilling to correct the issue. 

We have contacted customer support at XXXX and their payment processor XXXX regarding this issue on multiple occasions. XXXX and XXXX confirm that the credit has been provided to our BECU Visa account. XXXX and XXXX have given reasonable evidence that they have implemented the credit in the form of the following details for the credit : Date of Credit : XX/XX/2019 ; Amount of Credit : {$460.00} ; Visa Card Account Number ( last 4 digits ) : XXXX ; ARN of Credit : XXXX ; It appears to us that the Homeaway-XXXX have validly provided the credit to BECU and that BECU has not posted the credit to our Visa account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: JPMORGAN CHASE & CO.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased and 2010 XXXX XXXX from JPMorgan Chase for my daughter in college. While paying for that car, I began to struggle and I called Chase. Chase helped me by putting one of my car payments at the end of the loan. The last payment was XX/XX/XXXX. So, being that that payment was put at the end of the loan, my last payment date would be XX/XX/XXXX. After XX/XX/XXXX, I received calls to make my payment. I asked one of the representatives could I pay that last payment XX/XX/XXXX and I was told " yes. '' I also made that representative aware that I was working extra time and she assured me that I would be fine. So I paid that last payment of {$190.00} on XX/XX/XXXX. The following month XX/XX/XXXX. My credit score dropped tremendously. I found out that I was reported by Jpmorgan Chase for being 30 days late on my final payment of my auto loan. Upon calling Chase the representative was so rude and not trying to help me, so I then filed a dispute with the credit bureau. After around 30 days, I received a letter stating that my credit report was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not received anything from this debt company called Converse   but it was added to my credit report on XX/XX/2019 in the amount of {$1400.00} being owed to them. However, that amount was sold by the original creditor, XXXX University, to a debt collector named XXXX XXXX XXXX which appeared on my credit report in XX/XX/2019. The same amount is owed for the same original debt to two collectors. I have not received any written mail from either companies and have not reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: AL
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:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received collection notice from Radius Global Solutions LLC. I contacted the original creditor in regards to this. This is an account from 9 years ago with XXXX XXXXXXXX XXXX. I spoke to XXXX at XXXX XXXX during the week of XX/XX/XXXX, XXXX after speaking with the representative at XXXX XXXX XXXX she VERIFIED that there was NO information and that there was no way that this could have been VALIDATED. she also stated that the collection company can not and should not have this due to the fact that there is NO BACK UP to support any collection efforts. In addition, this account is XXXX XXXX XXXX and according to PA Law. It is illegal for collection accounts beyond 7 years. I have repeatedly tried to resolve this issue with this collection company and they have ignored and have repeatedly claimed that this is valid with all XXXX credit bureau for over a year now. This is negatively impacted my credit and I will be filing a claim for damages if necessary to alleviate this issue that it has caused.

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 2017-10-23
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt account that Im filing a complaint against is XXXX XXXX. The debt was bought from XXXX XXXX/Synchrony Financial in the amount of {$220.00}. On my credit file it is stated that the balance owed is {$0.00} but the debt was bought by XXXX XXXX and reaged on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Suttell, Hammer & White, P.S
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used the XXXX XXXX app to dispute charges. There were multiple charges that I didnt charge. They did take some of the smaller charges off but the larger ones were not taken off. Im unable to access my account online so I called XXXX XXXX for all documents regarding my transactions and disputes. I was told that they didnt have them and they were sent to collections ( Suttell & Hammer ). I stopped making payments after they refused to remove the charges I disputed. I applied for e statements so I dont have any paper bills or statements. I also didnt receive a validation letter or any itemized charges from collections. I didnt receive any proof that I in fact used the card for the disputed transactions. Im being sued for {$5600.00}. Unfortunately my bank account I was using at the time has been closed. I made multiple payments. The credit limit was {$5000.00}. When I stopped using the card and stopped making payments the balance was around {$3000.00}. I really need statements so I know exactly how much and when I paid. The collection agency called multiple times a day sometimes as late as XXXX. I believed the charges I disputed were made by a employee without permission and my wallet was also stolen. I made a police report but unfortunately in the report they didnt specify what was in the wallet. So I really dont k ow who charged the card. I received a letter from Suttle and hammer stating they would accept monthly payments of {$150.00} a month until the balanced is paid in full. I do not want to accept that. Id rather pay one payment of {$1000.00} or make monthly payments of {$100.00} for 12 months. If they wont accept that Id rather just not pay anything. Should I send a counter offer letter?

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 2021-03-07
Company: GOLDMAN SACHS BANK USA
State: NY
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 have an account being reported that is not mine and the same account is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. How can it be verified when the bureaus are reporting different dates for the last activity and last payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681 ( a ) ( 4 ) and as well as 15 USC 1666 ( b ) the former was right to privacy and the latter was truth and lending act to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX - Ordered an XXXX at XXXX from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX and was dropped off ( XXXX XXXX XXXX XXXX ) 15 minutes later - Fell asleep and woke up around XXXX to realize phone was missing - Used Find my XXXX app on roommates laptop and phone pinged in XXXX parking lot in XXXX XXXX had not checked wallet at this point - Fell back asleep until XXXX, woke up to check wallet and realize debit card and credit card were missing. Checked bank accounts and both checkings and savings accounts were compromised - Reported claims to Chase o {$500.00} withdrawal from Chase ATM ( XXXX XXXX XXXX XXXX ) Withdrawals made between XXXX XXXX o ~ {$4900.00} withdrawals from various XXXX in XXXX XXXX XXXX XXXX XXXX made between XXXX XXXX XXXX XXXX XXXX XXXX Withdrawals made between XXXX XXXX XXXX XXXX XXXX XXXX Withdrawals made between XXXX XXXX XXXX XXXX XXXX  Withdrawals made between XXXX XXXX XX/XX/XXXX - Given provisional credit for 1st claim - ~ {$450.00} of {$5400.00} total XX/XX/XXXX - Given provisional credit for 2nd claim - {$500.00} of {$5400.00} total XX/XX/XXXX - Police report filed with XXXX Police Department XX/XX/XXXX - Initial claim of {$4500.00} was denied by Chase - Appeal is filed XX/XX/XXXX - Appeal on claim for {$4500.00} is denied by Chase XX/XX/XXXX - Claim for {$500.00} is overturned and denied - Claim for {$450.00} is overturned and denied XX/XX/XXXX - Visit Chase branch and was told that the police report is not enough evidence to file an appeal on denial decisions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Delete hard inquiries listed. 
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 2021-04-14
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I have been a victim of identity fraud and have filed a police report. I have been trying to get the PayPal inquiry off of my XXXX report for months now. I keep getting the run around from XXXX and was told to report the issue to CFPB. I have attached a print screen shot of the inquiry showing in my credit report. 

Date : XX/XX/21 PayPal Inquiry

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 2022-08-14
Company: CCF Intermediate Holdings LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keep reporting inaccurate to my XXXX credit report I never signed any contracts with this company saying I will pay them never did they do not have my signature saying I agree to the debt they keep giving out a XXXX tracking number thats not even real this company is lieing to get by and keep reporting to my credit I will like proof that I own this company!

Company response to consumer: Closed with explanation