BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from Harvard Collection Service located in XXXX in XX/XX/XXXX stating I owed {$900.00} and they were collecting on behalf of Illinois Dept of Human Services ( IDHS ). I never received a bill from IDHS and I had no idea what they were talking about so I called the number on the letter that was provided several times and I was not able to speak to anyone. Then I called IDHS and they had no record of me owing them anything. Then on XX/XX/XXXX I received an alert form XXXX XXXX that my credit score had dropped 96 points because Harvard Collection Service reported I owed {$900.00} for IDHS. I phoned IDHS and again they stated that I didn't owe anything to them and that they did not know of this collection agency. I then filed a complaint with XXXX  about this fraudulent report by the company. Upon filing I read over 135 complaints had been made against this company by others and saw a pattern that most of the people had also received a letter like mine in XX/XX/XXXX too. Some of them stated that they never even lived in Illinois or had not lived in Illinois in nearly 10-20 years or more and their credit was affected by losing 50-140 points ( that's really egregious ). It's apparent to me that this company has illegally obtained hundreds of people information including our social security number and because they are a " real '' company they have access to all 3 credit bureau 's where they submit these erroneous collection reports in an effort to bamboozle their victims into paying fraudulent charges/debit by impersonating that they are collection on behalf of IDHS which is a government agency. I hope that this can be brought to the attention of the public so they aren't fooled into paying this shady company money they don't owe and that they immediately remove their false report against me from all 3 credit reporting agencies. I fear they will assume another DBA and continue on with this illegal practice. They are now stating my account will be removed from all 3 agencies but it is in " pending '' status. That's crazy! They've created a bogus, fraudulent claim against me and now say it's " pending '' when it's not even real. I speculate they may be getting our information on the dark web. This is so scary and they need to be stopped. All the complaints and the pattern of this company 's illegal practices can be seen on XXXX  website. Please help me and all the others who they are victimizing. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting 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 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : DPT EDXXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: CITIBANK, N.A.
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I filed a complaint previously on Saturday, XX/XX/2021. Citi had lowered credit limit on Citi Costco card. On XX/XX/2021, I received notification from Citi that the limit on my Double Cash card had been lowered from {$6600.00} to {$300.00}. I had recently paid off credit card so it would report available credit. This card like my other had the limit lowered a few months earlier. Thus, yet another unfair negative report from Citi. 
I still think a class action suit is in order here. Citi is feeling at risk because the pandemic has got them scared. I have not missed a payment or ever paid only the minimum.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

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 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a text from Bank of America in XXXX asking me to contact them about XXXX charges ( XXXX for {$470.00} and the other for {$19.00} ) that they were not paying until I confirmed that they were legitimate charges. The charges claimed to be from XXXX XXXX ( a company I had done business with at XXXX time but not after XXXX ). 

I called the number provided and told the person who answered that the claims were not legitimate and should not be paid. On the same phone call, the Bank of America representative and I agreed that my credit card should be canceled and a new card issued. According to an email I received from Bank of America, the new card was shipped to me on XX/XX/XXXX. 

According to Bank of America records, the charges I had confirmed were fraudulent were applied to my account on XX/XX/XXXX, and posted to my account the next day. These charges first appeared on my statement for the period XX/XX/XXXX to XX/XX/XXXX. By XX/XX/XXXX ( XXXX days after the statement date ), Bank of America issued temporary credits for both charges to my account while they investigated my claim that the charges were not legitimate. 

Since then, I have contacted XXXX XXXX, and a representative sent me an email at my request stating that they had not billed me anything since XXXX. Unfortunately, I accidentally deleted that email, but I am sure I can get it replaced. An internet search revealed that fraudulent charges claiming to be from XXXX XXXX have been an ongoing problem. 

Since XXXX, Bank of America has informed me that, " unfortunately, '' they were unable to honor my claim. When I gave them additional proof that I had not authorized the charges, they reopened their investigation and eventually made the same ruling. A representative of Bank of America explained to me on the phone yesterday that I had not filed my claim within the time allowed by Bank of America 's rules, as stated in their paperwork when I opened my account. I believe she said I had to do it within XXXX weeks. Clearly, I did meet that deadline because the bank statement that revealed to me that Bank of America had charged my account was not issued until XX/XX/XXXX, and Bank of America had responded to my claims by XX/XX/XXXX. 

At this point, Bank of America is stonewalling me. I have proof of everything I have described in this complaint.

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 monetary relief
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: MO
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:
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. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 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 non-monetary relief
Consumer complaint received 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 CapitalOne, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

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

Late payments recorded XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 USC 1681. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXXXXXX XXXX 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 an 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
HIPAA VIOLATION : In XXXX and XXXX of 2019 I recieved updated reports after I requested investigations into HIPAA violations from QUALITY ASSET RECOVERY and XXXX  XXXX XXXX SYSTEM.The results of these investigations stated that the accounts were verified as accurate. I want either or both companies to provide a copy of my signature giving my consent to release or share my medical records to a third party. 
Acct # XXXX I am not disputing or asking for verification, so I DO NOT want to see a copy of a bill or an invoice stating what is owed. I know my rights under the FCRA and the FDCPA and I am willing to seek further legal action if necessary.

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 2017-03-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been experiencing problems with my credit and noticed on reviewing my reports that there is an account entry that I did not authorize to be opened in 2013 with a financial institution that I no nothing about. Please assist me in obtaining complete validation of this account to include information and documentation that was used to validate the identity of the person who opened this account and the information and detail used to confirm that it was indeed 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 2023-09-09
Company: EQUIFAX, INC.
State: FL
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:
*This is an update of my last complaint. 

Delete Hard Inquiries from Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: CA
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:
I don't recognize these inquiries on my credit report. 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 2018-04-17
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
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:
NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CROA requirements!

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 USC 1681. 

SXXXX XXXX XXXXXX/XX/XXXX {$3400.00} 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  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2021-09-24
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX at XXXX XXXX.XXXX. ( PST ) I received an email from XXXX titled " Congrats! XXXX is activated ''. This email was quickly followed by 3 additional emails from the same address all within the hours of XXXX XXXX XXXX the same day informing me of additional new Chime account activity, including a new XXXX XXXX application and a new Chime VISA debit card account. Upon rising in the morning on XXXX XXXX and checking my email, I quickly looked up Chime in a XXXX search for " Chime customer support '' - ( I did not click on any links contained in any of the emails received ). Chime 's customer support email is XXXX. The ONLY way to contact Chime is via this email address - their telephone support number ( XXXX ) XXXX is wholly automated and although I attempted to reach a fraud agent by calling the Chime phone support number, I was unsuccessful. I later learned it is not possible to speak to a Chime fraud representative until they contact YOU. 

So, I quickly composed and sent a series of emails notifying Chime of the fraudulent account opened with my information, asking them to close the illegal account immediately and to contact me ASAP. The first of these emails was sent at XXXX XXXX PST on XX/XX/XXXX. 

Today, XXXX XXXX at XXXX XXXX.XXXX. ( PST ) I received another email from XXXX notifying me that " Your Chime VISA Debit Card '' was on it's way in the mail, and I could start to use my new credit account ASAP via the Chime App. I immediately sent a second and third email requesting immediate action to close the fraudulent VISA account to XXXX. 

I have not heard from Chime, either via email or phone ( I included my cell number with my email correspondence ). As a consequence, I have had to take the precautionary steps to close all of my bank accounts and transfer balances to new accounts, which has taken much time and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XX/XX/XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation