BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: AL
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:
Creditor : XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/2017, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Eastern Revenue, Inc.
State: PA
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:
I requested validation of accounts that I wasnt provided. I asked for original consumer signed contracts and all information on what services were rendered for the debt, how the debt was calculated, and proof for everything. I was not given any of that!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IT IS UNLAWFUL TO REPORT CHILD SUPPORT ON MY CREDIT REPORT AND IT SHOULD BE TAKEN OFF IMMEDIATELY. 
609- FCRA

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 2023-11-27
Company: JPMORGAN CHASE & CO.
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/23, I requested and received from Chase Bank an email with a coupon code to get up to {$900.00} for opening a new checking account and a new savings account, then fund the savings account with {$15000.00} within 30 days of account opening, and make a direct deposit to the checking account within 90 from account opening. The offer is valid through XX/XX/23. 

The email from Chase has a coupon code to provide to a banker if opening the accounts at a Chase branch. The email also has a green box to click on to open the accounts online. Below the green box is the statement " Coupon code applied when you click Open both accounts. On XX/XX/23 I clicked on the green box the email and opened my new checking and savings account. I've funded my savings account with {$15000.00} new money on XX/XX/23, and will have a XXXX XXXX from Social Security to my checking account on XX/XX/23. 

On XX/XX/23, I sent a Secured Message to XXXX to confirm that the coupon code was automatically applied to my accounts like it should be. A rep responded that my accounts did not have any coupon code applied to them, and it was past the 21-day limit for the rep to apply the code manually. 

On XX/XX/23, I called Chase Customer Service about the issued. A rep took all the information then passed the call to her supervisor. The supervisor opened a ticket to have the case researched by someone higher up. 

On XX/XX/23, I received a call from Chase rep telling me that the issue has been passed on to the Banking Team to apply the coupon code and they would get back to me within 3 to 5 business days. 

On XX/XX/23, I called Chase Customer Service to inquire on my case because I still haven't heard back from the Banking Team. I was told that the coupon code still has not been applied to my accounts. 

I want to have this issue resolved by having the coupon code applied to my accounts. If Chase needs the code from the email that Chase sent to me, they can contact me and I'll provide the code over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: TRUIST FINANCIAL CORPORATION
State: NJ
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:
Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( 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 2022-01-25
Company: Exeter Finance Corp.
State: NJ
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:
Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: PNC Bank N.A.
State: AL
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:
Between XX/XX/21 and XX/XX/21 there were a number of fraudulent charges made on the credit card I had at that time, totaling {$5100.00}. I called and reported this to the credit card company, BBVA Visa. They cancelled the card and issued me a new card, sending it to me via US Mail. Before I received the new card in the mail, I noticed on my account for the new card ( via online banking ) that all the fraudulent charges had been transferred to the new card, but the amounts had changed somewhat. On the new card, which I have never activated, the fraudulent charges total {$2800.00}. Again, I called and disputed the charges and advised them that the amounts of the charges had changed from the original card. On XX/XX/21 I received a letter from BBVA Card Fraud Operations Group that the investigation was closed and the " corresponding credit applied to my credit card account in the amount of {$590.00} is considered final ''. They are charging me interest on the fraudulent charges. I will continue to fight this with BBVA, but have been advised I needed to report the issue to FTC, which redirected me to CFBP. Any help you can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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 submitted a complaint to Equifax on Wednesday XX/XX/2022 about XXXX fraudulent account on my consumer report, XXXX XXXX XXXX XXXX XXXX, in this dispute I included a copy of the FTC identity theft report, a copy of my utility bill, and a copy of my ID. Equifax received a copy of this on XX/XX/2022. Upon receipt of this my score was dropped XXXX points. As of today XX/XX/2022, this account is still not blocked from my consumer report. Per the FCRA 605b it states, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
I sent over everything that was required by law and it's still showing on my consumer report. I also have called Equifax a total of 2 times today on XX/XX/2022 for both representatives to tell me by law I have to wait 30 days even though it's an identity theft account and wait for a response from the creditor. This is unfair and unacceptable to be as I am a identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Consumer Portfolio Services, Inc.
State: NJ
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:
Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX ) XXXX CONSUMER PORTFOLIO SERVI Inquiry : XXXX XXXXXXXX XXXX Finance/Personal ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX I submitted a dispute to Transunion requesting that inaccurate information being reported on my credit report be validated or removed. In received no validation. I then submitted a follow up dispute on XX/XX/XXXX. Once again I received no validation

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 2022-12-10
Company: EQUIFAX, INC.
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:
In XX/XX/XXXX I submitted a dispute to Equifax to see if I could get my XXXX XXXX account opened in XXXX removed from my report. My last late payment to them was in XXXX and the account was charged off in XXXX. After my dispute, Equifax erroneously reported my last late payment was XX/XX/XXXX! The month I submitted my dispute! This brought down my score XXXX  points after submitting my dispute and has damaged my credit and life in more ways than I can write here. I want my credit report corrected or this needs to be removed entirely from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXaccount ending XXXX XXXX XXXX XXXXaccount ending # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX-account ending XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ending XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( 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 relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Upstart Holdings, Inc.
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I mailed a check from a XXXX loan to pay upstart personal loan off. I mailed the check on XX/XX/23 and they received it on XX/XX/23 ( per tracking USPS ). I received verification from XXXX loan company that the check was cashed by upstart. I have contacted upstart by email and phone on multiple dates ( XXXX, XXXX, XXXX ) to find out why it hasnt posted to my account and also sent them emails with proof of delivery and proof they cashed the check. Their response is not helpful and states if the issue is not resolved, I may receive a call from a team member. I have not received a call and have continued to call to resolve this. They state they will investigate and nothing is getting resolved. They stated it was mailed to the wrong address, however it was mailed to the address on my loan documents that is provided for mailing checks. I have to continue to make payments and they now owe me money and are refusing to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
After careful review of my Credit Report the following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2019, PayPal allowed transactions to go through on several purchases from my account to merchants I wasn't familiar with nor authorized these merchants to withdraw funds from my account. I called PayPal immediately to have them try to investigate the matter and to late have them refund my money after they've done their review. After a week went by, I noticed PayPal sided with me on this matter and they refunded almost all of my money back. At this time PayPal didn't issue me a new card or give me any reassurance that my account was safe from any other mishaps so I linked my bank card to my PayPal account and attempted to move the rest of my money to my trusted bank account. Within seconds of doing so PayPal shut down my account and denied me access to my funds which are still currently frozen in their systems. 

Name : XXXX XXXX Email : XXXX Contact : ( XXXX ) XXXX or ( XXXX ) XXXX PayPal Reference ID : Case XXXX Last Contact Date With PayPal : XX/XX/2019 Balance in Question : {$770.00} Date of Initial Problem : XX/XX/19 Company in this Complaint : PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX closed one of my accounts ( it still shows open with Equifax ) and stated that my credit was no longer good enough to have the account. I was puzzled so I went to look up my credit score. My score was suddenly about 60 points lower than normal with the FICO 8 score. However, my report showed no changes in accounts. Since then, my score has been fluctuating wildly several  times a month. I have contacted Equifax about it and asked them to make sure I don't have split reporting. I've been told I do not but that seems to be the only logical answer. Creditors that use Equifax are not viewing my negatively even though I have no new negative information reporting. If I don't get this resolved, I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In my previous dispute XXXX XXXXXXXX Equifax replied that 5 fraudulent inquiries were deleted from my file ; However the HARD INQUIRIES STILL REMAIN ON THE FILE. According to them, on XX/XX/2022 : XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXXXXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry XXXX XXXX XXXX XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 

In subsequent credit reports, and after several phone calls, they indicate that all they can do is dispute the information again. If they already investigated and say they were deleted, why do they still show on my file and why can't the file be corrected accordingly? 

Again they replied to the CFPB on XX/XX/2022, but the response is not correct and ITEMS THEY SAY WERE DELETED HAVE NOT BEEN DELETED! 

I am attempting to obtain credit and these erroneous inquiries are hindering my ability to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Byrider Franchising, LLC
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: Old information reappears or never goes away

Complaint:
I have disputed inaccurate information on my credit report through XXXX multiple times. XXXX responds stating the information is accurate and will remain on my credit report. I am a victim of debt re aging. The creditor in question is JD Byrider from XXXX Illinois located on XXXX XXXX. Jd Byrider claims I made three on time payments to be able to keep the debt on my consumer report past the 7 year time limit. The debt was last paid XX/XX/2012. The vehicle was repossessed from the cosigner without my knowledge of any missed or late payments and sold at auction without me resolving the issue. I am disputing the three on time payments, as they claim to XXXX  I made. Experian claims that was debt re aging and refuse to remove the inaccurate information negative on my report. So this negative account has been reported now 8 years and 9 months.

Company response to consumer: Closed with explanation