BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
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: Credit inquiries on your report that you don't recognize

Complaint:
I am disputing the Hard Credit Inquiries on my report. One of the companies, XXXX XXXX, I did authorize, but they ran my credit twice instead of once at two different times. They also sent me a card that I did not apply for. I was fine with the initial pull, but not two. When I called they could not tell me why and said It must have been the computer or Fraud to alert my Credit company. I now have a card, but I am concerned when I only applied once. One of these should be removed from my report along with the other companies that I did not approve. 
The only one that I authorized Is the XXXX XXXX on XXXX, XXXX 
I do have two cards with XXXX XXXXXXXX now and do not wish to compromise my credit, but I am confused a to why they pulled my credit twice when I applied for one card. I have had an issue with XXXX XXXX XXXX on my other two credit reports. I did not give XXXX XXXX the permission to pull my credit nor do I have credit with them. They did not just pull it once but also twice. This is another reason I am concerned about fraud. At the same time, XXXX pulled my credit. I definitely did not authorize that since I had been in dispute with the company. The last one I have no idea why my credit was pulled I have not credit with XXXX  XXXX  not have I ever authorized them to pull my Credit. 
Inquiry details. I was told it is a mortgage company called XXXX. 
XXXX XXXX XX/XX/2022. 
XXXX XXXX XX/XX/2022 XXXX - XXXXXXXX XXXX. XX/XX/2022. Not authorized. 
XXXX XXXXXXXX XX/XX/XXXX, XXXX All of these happened after I got my credit card with XXXX XXXX the inquiry XX/XX/XXXX. 
I have not been looking for a morgage and am not either. 
XXXX. XX/XX/2022. Not authorized All of the above inquiries, Except the XXXX XXXX, XX/XX/2022 should be removed. They were not authorized on my credit. 
XXXX XXXXXXXX is supposed to be sending and electronic message as to the XX/XX/XXXX inquiry. 
I will be filing a police report tomorrow per XXXX request and have filed with the CFPB per XXXX suggestion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$500.00}, {$400.00}, {$700.00}, {$200.00}, {$1500.00}, {$26000.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-ACCOUNTS- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account.

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.

6. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

-AUTO ACCOUNT- 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$26000.00} -This is not my account. 

-STUDENT ACCOUNT- 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5400.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 
Please refer to my previous letter for the information that needs to be re-investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed my taxes for XXXX i got a cashiers check from XXXX took the check to my bank which is CHASE they looked at the check looked at me then said we cant cash it so I asked to deposit it and immediately they put a XXXX day hold on it i have called for XXXX days and at this point feel completely discriminated on due to being XXXX! They are telling me they cant give me any information or give me there name or any information on why i was sent to the fraud department for a cashiers check can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I received service from a legit on line company to service my computer during the pandemic and it was legit and they fixed my computer. I received and e-mail early XXXX saying that my service would be reinstated for XXXX years at {$1000.00}. So I called the number provided and they said my contract was not up yet and they would give it a thorough check for free. All along I thought it was the legit company so I let them in my computer. The next thing I know my screen went black. It is an older computer so I didnt think much of it so I waited a couple days and took it to XXXX that is when I found out my checking account was emptied. Notified Chase Bank in XXXX XXXXXXXXXXXX XXXX on XX/XX/XXXX or so and no response since. He told me he was going to call me last XXXX but he has been dodging me ever since. I went in the office and they claim he was in a meeting and would call us back today. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: PNC Bank N.A.
State: MN
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:
Tried to make a payment to my PNC Credit Card but for some reason the payment bounced even though i clearly had the money in my account and put in the account / routing in correctly and was charged a XXXX $ RETURNED CHECK CHG, so i called on their recorded line and they promised / said they remove the fee on the next statement because i was eligible for it but now a month forward there toxic reps are not helping me now even though every other bank company i have used in my 8 years of banking have always waved these fees quickly and smoothly when they have happened by mistake. 

PNC is being greedy and there customer service reps in there credit card department are toxic and are not helpful at all its really a hit or miss if you get a good one or bad one. 

This credit card belongs in the sock drawer since if you ever have problems they clearly don't have your back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27
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 information incorrect

Complaint:
I get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( 1 ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.

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 2021-06-08
Company: Experian Information Solutions 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:
XXXX, XXXX, and Experian have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

XXXX, XXXX, and Experian are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave XXXX, XXXX, and Experian any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave XXXX, XXXX, and Experian any written instructions to report this account. XXXX, XXXX, and Experian have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. XXXX, XXXX, and Experian keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for XXXX, XXXX, and Experian reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. XXXX, XXXX, and Experian have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.

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 2022-08-27
Company: EQUIFAX, 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 information incorrect

Complaint:
I get letters and calls frequently about a debt that is not mine. ( company name and logo showing through the cellophane envelope, which is a violation of 15usc 1692b and 15usc1692f ) Sending unsubstantiated claims around in the mail demanding money may be considered mail fraud. It is currently codified as 18.U.S.C. 1341, 1343 and covers both mail and wire fraud. All of my student loans are consolidated and in repayment ( never late/ paid on time ). Pursuant to 15 usc 1692g ( a ) ( 1 ), I requested the amount of the alleged debt, and how the amount of this alleged debt was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: VA
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 don`t recognize this account and inquiries, I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: WA
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 loan XXXX XXXX XXXX. They agreed to remove the late payment I had and it has not been 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 explanation
Consumer complaint received 2022-12-15
Company: EdFinancial Services
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:
Account shows as past due when the account has been in forbearance since the pandemic. Now the account has appeared on my credit and has effected my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with Experian and XXXX ( XX/XX/2018 ) for a Chapter XXXX bk reported on my credit to follow suit about the findings of this bankruptcy. XXXX   deleted this Chapter XXXX entry on my credit report due to their findings on XXXX XXXX and I've asked Experian and XXXX to follow suit. Their findings came back verified with no valid response. Also, I have informed them that the Bankruptcy Courts do not furnish this information to the creditors and I find that they have not investigated this thoroughly because if they did, then it would have been deleted.

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 2022-08-26
Company: MS SERVICES LLC
State: NV
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 MS SERVICES LLC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA MS SERVICES LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear WELLS FARGO AUTO ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2017-06-12
Company: U.S. BANCORP
State: TN
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:
On  XXXX / XXXX /  XXXX   full payment of  XXXX  was paid to  Fidelity Rewards Visa Signature  a credit card that is manage by  Elan  Financial.     On  XXXX / XXXX /  XXXX   additional  XXXX  was direct debit out of my fidelity checking account.     On  XXXX / XXXX /  XXXX   fidelity and Elan was notified.  Elan  was unable to refund the mistaking direct debit.     Action request to refund consumer money immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27
Company: Experian Information Solutions Inc.
State: CT
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:
Have requested this removal from my Experian report, most recently this XX/XX/XXXX along with provided documentation backing up my request ; to delete a negative comment regarding the XX/XX/XXXX entry of XXXX XXXX XXXX. While enforcement was handed a 'figure ' found in arrears, I have never missed a monthly payment either. Payments have been monthly/timely and are based on the payment of 65 % of the total monthly XXXX amount and can not be anything more as this was my only means of support when the Order was written. 
It is the 7-year rule I reference. Prior to the XX/XX/XXXX Support involvement I had been paying monthly, on time, the same amount since SSDI approval retroactive to XX/XX/XXXX in which the custodian received a retro lump-sum payment and monthly thereafter DIRECTLY from SSA without any intervention on my part at any time. Once Support got involved in XX/XX/XXXX payments were sent to XXXX directly, they did their Title IV-D voo-doo and garnishment continued unchanged from my perspective. It is now 8 years later and I am requesting of Experian to remove this negative comment regarding Support XXXX. They took the 30 days, contacted the New York Agency ( where I don't know and they did not provide me any feedback from XXXX ) and the matter denied without explanation ; was I right in requesting? or wrong in requesting? or are they simply denying as addtional funds are due but being paid timely all along. 
I am requesting this New York XXXX XXXX XXXX entry to be removed immediately as it is in excess of 8+ years and Experian took it upon themselves to 1 )  not delete it, and 2 ) chose to refer it to the New York Support Agency despite the rules bv which all are bound should grant the exclusion of this derogatory and outdated comment and not handle the matter relative to these same rules themselves.

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