BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report Experian Report Number : Transunion file Number : XXXX Equifax CONFIRMATION NUMBER : XXXX Account name : XXXX XXXX Account number : XXXXXX/XX/XXXX {$16000.00} {>= $1,000,000} ( XXXX ) XXXX Account name:XXXX XXXX Acoount number XXXXXX/XX/XXXX{$670.00} Acoount name : XXXX XXXX XXXX Account Number : XXXX also i recently found out i was involved in the data breach with Equifax in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: HW Holding, 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 have two charges from two separate agencies in the amount of {$3000.00} each. I would like for you to remove one of the accounts from my credit report so i can increase my credit score to something fair instead of poor. Also Im trying to figure out why the amount was so high, when i got the court report from the management office it said that i owed XXXX dollars a month on a twelve year lease When i was evicted i only had five months remaining on the lease. Please respond to this e-mail and let me know the necessary steps i need to take. Thank You.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
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:
XXXX, XXXX and Equifax have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with XXXX, XXXX and Equifax and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws XXXX, XXXX and Equifax has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, XXXX and Equifax to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. XXXX, XXXX and Equifax should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for XXXX, XXXX and Equifax to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

Creditor : 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 2020-04-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020 I redeemed XXXX points via Chase Ultimate Reward for a non refundable ticked on XXXX XXXX. The flight was set to take place on XXXX That flight has since been cancelled. I received no notification of cancellation from XXXX XXXX, nor from Chase. I have contacted Chase Reward several times, and they refuse to process the refund. I have contacted Chase is several other ways, including via XXXX, Phone, their cancellation form available online. I have had multiple service representatives disconnect their conversation with me entirely or by transferring me without notice or consent. 

Chase insists on following " policy '' over the LAW. US DOT and EU guidance has dictated that cancelled flights must be refunded, regardless of the reason of the cancellation. Chase refuses to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: MA
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:
Please be advised that this is not a request for an investigation, but lawful written instructions and permissible purpose of a consumer report by the consumer to whom it relates Pursuant to 15 USC 1681b ( a ) ( 2 ). Pursuant to 15 USC 1681 a ( e ) an Investigative Consumer Report is defined as a consumer report or portion therefore in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not included specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I DO NOT CONSENT TO ANY INVESTIGATION as it is my RIGHT pursuant to 15 USC 1681d ( d ) ( 1 ). I will also make known at this time that EQUIFAX can not lawfully verify anything contained in my consumer report. The lawful definition of verify means to confirm or substantiate by oath or affidavit ; to swear to the truth of. Any information contained in my consumer report that EQUIFAX verifies, must be done so under oath in the presence of a Notary. EQUIFAX is a corporation and lifeless, soulless, entity, it does not have the power to verify any information. If ant agent acting on behalf of EQUIFAX assumes the responsibility of verifying any information contained in my consumer report it must be done so having first-hand knowledge of such experiences, under oath and the penalty of perjury. Enclosed you will find a notarized Affidavit of Truth accompanied by exhibits. The following accounts and inquiries are being reported unlawfully pursuant to 15 USC 1681a ( 2 ) ( B ) -Exclusions-.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. A credit card as defined pursuant to 15 USC 1602 ( 1 ) means ANY CARD, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. All accounts and inquiries listed were initiated and originated using my social security card which is a credit as defined by Congress under Title 15. They must be deleted immediately along with all old or inaccurate information. This is written instructions pursuant to 15 USC 1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Blackstad, Hrabe, Kirlorsky, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a message from my employer stating they received a very rude phone call from someone asking about me. I called the number back, and XXXX was insinuating that she would take actions to involuntarily collect the supposed debt I owed. She said that she has verified my employment and that her client has retained an attorney. I am not aware of any of this, as I have not received a written notice of the debt or the collection attempt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: HYUNDAI CAPITAL AMERICA
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:
My vehicle was totaled, i have Gap insurance everything was reported on time to the finance co. and to my insurance co. and they are telling me that i still owe them over {$1200.00} and i was never late with my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX of XXXX XXXX is not ethical and maybe even more egregious ( and possibly illegal ) in their accounting and sales practices. On XX/XX/21 I bought out my car lease and came in with a pre-approval from XXXX XXXX. XXXX who did my paperwork was told specifically that I wanted to bank with XXXX XXXX. He kept pushing PNC, yet I refused. Unbeknownst me my car loan is with PNC. 

After several attempts to get answers from XXXX, I speak to his superior XXXX XXXX who confirms my loan is with XXXX XXXX. He said he would speak with XXXX and call me back -- that was a week ago. Finally I get XXXX back on the phone today -- and he tells me that they mailed my paperwork to the wrong bank! How is this possible? You can clearly see that in the photo below that I agreed to bank with XXXX  XXXX NOT PNC. 
XXXX did not apologize, he was rather obtuse, nor did he offer any way to fixed the mess he created. He told me I was stuck with the loan although I did not agree to lending with this bank. I tried to speak with someone above him, and not only did I get their voicemails, but the receptionist also stopped picking up the phone ( I called from another line and she picked up ). 

How does PNC process my paperwork when it has another bank 's name on it??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
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:
Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Reporting company used your report improperly

Complaint:
I had updated my report and found that this account doesn't belong to me this is really afecting mylife I need this to be fixed.

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 2018-11-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Customer service would not help take care of these inquiries reporting to my credit report. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was chime custoner last week i was supposed to undergo a XXXX and buy my medical bills.i wake up in the morning i notice my account was close by chime and i was not eligible for refund.despite the fact i emailed them more than 20 time. They kept ask to provide docunents. And wait 48h. I spend more than 4 days without any money since chime was my primary account. And there is not way to call the review department you need to wait for them to respond to your emailed some day i spend my entire day to wait for them to respond. And see if they will get my money back. I would like to file lawsuit against them but i m a low income person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This company sent me a letter stating that they couldn't open a bank account due to information below. When I contacted the company they have yet to send me a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, INC.
State: TN
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX which is showing duplicate and with different balances, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/2021 Dear sir or madam : The name of the company that I am complaining about is : Direct Express Debit Card ; which is the company connected to the Social Security Administration for disbursing money to its beneficiaries '. This company I believe first thefts large amounts of money from the persons account, and then escapes discussion of these problems by keeping prolonged and tiresome telephone menus and especially, computer systems with impossible log on problems. The simple fact of the matter here is that persons become frustrated and give up trying to get to the result of their problem thus leaving them with the stolen money. 

Telephone conversation is not a substitute for a printable statement - persons need time to cross match information and go to other places to verify what is claimed by the company. They ( Direct Express ) knows that this can not be done by telephone interview. Actually I am not at all able to log on to my account as their inadequate electronic system is such rubbish that a person that follows all of the steps for logging on as they are supposed to, is still unable to be able to do so, from any computer. As if a person is dialing a wrong number and getting only a busy signal, but does not know that he was given a wrong number. 

Please help me to get this company in line. 

Thank you. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I feel discriminated against by CHASEBANK I applied for my first credit card with them since I just became a us citizen and wanted to build a relationship and open my first card with them they denied me claiming my credit history but how do they expect me to have one when I just became a citizen and want to have my first credit card with them they are nit beinf complainant or nice they declined me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: TX
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 contacted XXXX XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.

Company response to consumer: Closed with explanation