BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: TN
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:
By the provisions of the Fair credit reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC Section 1681i ( a ) you must complete this reinvestigation within 30days of receipt of this notification. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no fee for this updated report. I request you please send notices of corrections to anyone who received my credit report in the past in the last past year that are not attached to an account. 
Below are a list of account that need to be immediately deleted. None of the inquires where authorize by me nor are they attached to any open accounts. 


XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax 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 consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Mostly importantly they are not in compliance with metro credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I remote deposited an e-check of {$4800.00} from a group of people acting like HR of XXXX company using Chase Mobile app. The status of this transaction was first shown as " Pending '', and then switched to " Completed '' after 1 day. My understand of the " Completed '' status is that the transaction process was completed successfully : The issue bank have finished transferring the fund into my account at this moment. With the deposited money, I then transferred money to the scammers using XXXX ( integrated in the Chase Mobile app ) in two batches, {$500.00} ( XX/XX/XXXX ) and {$2000.00} ( XX/XX/XXXX ), and sent another {$2300.00} via BitCoin ATM ( XX/XX/XXXX ). These money were requested by the scammers to purchase WorkFromHome equipments. But on XX/XX/XXXX, the check was returned as altered/fictitious. I don't understand why the marked the transaction as " Completed '' while it is not, so I believe the Chase Bank should be 100 % responsible for my lost. 

The same cycle happened again and it directly related to the misleading information given to me by the Chase mobile app : I received another check of {$3600.00} from the same scammer group on XX/XX/XXXX, then I sent {$500.00} ( XX/XX/XXXX ) to the scammers via XXXX. 

Fortunately on XX/XX/XXXX I noticed the returned check shown on my screen, and stopped further deal with the scammers. 

To summarize, due to the misleading information given by the Chase Mobile App, I lost {$5300.00} in total plus return check fees charged by Chase bank. I believe Chase should be fully responsible for that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: FL
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: UT
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX is reporting a new collection on my credit report that I did not get any notice or warning of. I never received a 30 day right to dispute letter and I never received any notice that this was a collection until I saw it on my report. This is in violation and I would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy federal is going against my mothers wishes for me to be her will executor and she has put in her will for me to be left everything. XXXX has told me that it's supposed to go to my living XXXX brothers. It's a total outrage that they are ignoring my mother 's will that I was to be left everything. It's my money regardless that I transferred from my checking account to hers. I transferred {$1500.00} on XX/XX/2021 for an XXXX purchase and cancelled it. But they refunded {$1000.00} back to my mother 's account when they shouldn't. XXXX isn't respecting my mothers will that she left me in charge of everything. But she is ignoring that and still say that my two living brothers are entitled to that money even though it is my money. XXXX isn't being fair to me regarding that I am the will executor. If the will states for me to handle everything XXXX can't take that right from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, XXXX my bill did not go through BANK OF AMERICA ( Opened XXXX XXXX, XXXX ) - account with 1 missed payment. I am kindly requesting BANK OF AMERICA to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2020-07-20
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MInnesota XXXX DOB XX/XX/XXXX SSN XXXX Citi bank Cc CFPB On this XXXX day of XX/XX/XXXX I XXXX XXXX XXXX I have contacted your office via MInnesota Attorney Generals office, credit reporting agencies and the consumer financial protection bureau. But it is hereby known that I have sent you factual proof and documentation of your unlawful and negative credit reporting that you are reporting on me! But you refused to remove the violations. In accordance with the federal fair debt credit practicing act 15 USC & 1692 you are hereby notified to Cease and Desist reporting account XXXX in addition you are hereby to remove this account from all credit reporting agencies I will request documentation that you have complied with this request Thank you 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 2022-10-11
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need to dispute this account and have it removed from my credit report without negative impact this account was sold to Credence resource management a by XXXX I did not authorize no type of consent written or verbal to do buisness with this company it was sold as a debt and legally I have the right to have it removed from my report the amount listed is XXXX and Im not obligated to pay this..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: IL
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Certified Credit Reporting, 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, CERTIFIED CREDIT REPOR Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Discover bank freezed my debit card and not giving an explanation. They are accepting incoming payments such as check deposit, Inward deposit through bank transfer but not allowing me to use my debit card or banking. When i call they keep transfering many departments saying they have some special notes in the system on my account. I request for closing but in vain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Companies did a credit inquiry of my credit without my authorization. I contacted companies and they advised me to contact credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
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 am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
HSBC advertised {$750.00} sign on bonus after depositing {$100000.00}. I confirmed this offer with them in XXXX ( see attached ) and I completed the requirement on XX/XX/2018. Now it's been over half a year and I still haven't received the sign on offer. I attempted to contact them but now they say they can't find this offer ( see attached ). They have been very slow in responses and I've tried to contact them multiple times. Please let me know if you need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
I ordered furniture from XXXX about 3-4 years ago ( to include warranty ). The furniture kept falling apart ( despite multiple replacements ) so I asked for a refund. The company took three months to pick up the broken furniture and had not refunded me the amount paid. The company then put my balance as owed on my credit report - even though the amount owed to me surpassed the amount I owed them. I worked for three years to get this resolved and was finally issued a check this XX/XX/2021 for over {$800.00} ( amount owed on credit report was {$660.00} ). Even though I have finally received my money, the collection is still on my credit report. I have disputed with the credit bureaus but XXXX still certifies the collection. I have called XXXX, XXXX XXXX  ( card company ), and Portfolio recovery services ( collection company ) to dispute and no one seems to know who can remove this mark from my credit. I have also sent certified letters and all of my documentation ( attached ). I have now enlisted the services of an attorney as I am trying to acquire approval to purchase a home but this mark on my credit is helping to prohibit that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Home Community Mortgage underwriter is requesting that I provide a letter of explanation, signed and dated, regarding the sale of a 2014 XXXX that I owned. I was not selling the vehicle to provide funds to close -- not for principal, not for closing closts. The lender was also requesting that I provide proof of ownership, the valuation from the third party, and the proof of transfer of ownership. I no longer had any of that, and it does n't matter, because it is not material fact germane to the mortgage. I already have all the required funds for principal and closing costs in escrow when I sold my XXXX! There is no reason at all why they should be asking about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: FL
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:
My name is 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.

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 2021-03-02
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworlds Systems INC collecting agency has sent a collection notice dated XX/XX/XXXX with the amount of {$300.00} referring to debts to XXXX XXXX XXXX XXXX as the creditor. 

While I dont have any business account with XXXX and whenever I go to local store at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX to send or return a package I pay immediately the bill. Last time was XX/XX/XXXX with the amount of {$15.00}. 

So neither I owe any debts ( cause I pay my creator card charges in full every month ) nor got any prior communication regarding this debt claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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 Experian has failed to provide verification of this. I don't even have a account number of this said debt. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 explanation
Consumer complaint received 2019-07-15
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express continues to harass me even though they know I have no ability to provide any payment, am unemployable due to XXXX  illness. I was recently diagnosed with XXXX and additional XXXX  illnesses and are they are stating to me that collecting the balance on my card is more important than the value of my life. I do not have a source of income. I am unable to work, am under XXXX and XXXX  care and have been admitted in to the hospital on XXXX XXXX The company does not care if I XXXX XXXX due to their harassment. The company agreed to stop contacting me due to my XXXX  condition, but again today they called me to harass me even knowing the XXXX  of my XXXX state and XXXX XXXX. 

They have already violated the law by continuing to contact me after they said their calls would cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XX/XX/2017 I refinanced my car loan ( XXXX - XXXX XXXX XXXX XXXX, N.C. XXXX - ( XXXX ) XXXX ) Unfortunately XXXX XXXX did not post the payoff for the vehicle until XX/XX/17 which caused a 30 day late payment rating on my credit report. 

I refinanced my car loan with XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, California XXXX - ( XXXX ) XXXX. Thank you in advance for your assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent them several letters stating that my information was reported to the bureaus and under federal laws they didn't have written permission to use my personal information on the reports. They were handwritten letters and i received a letter back stating that it wasn't from me and was from a firm that fixes credit, which wasn't true.

Company response to consumer: Closed with non-monetary relief