BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-27
Company: EQUIFAX, INC.
State: TX
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX XXXX XXXX with the balance of XXXX-acct. # as disputed by consumer within 30 calendar days since my first dispute on XX/XX/2016 and how I`m entitled to XXXX per occurrence for this violation. 

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX XXXX XXXX  with the balance of XXXX-acct is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

The item listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and you violated this law. 

I hereby demand immediately deletion of XXXX XXXX XXXX with the balance of XXXX-acct. # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ). 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in 2016, which entitles me to XXXX for damages and other violations. I have copies of every credit report since 2016 showing you have violated the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
cra violaton taking more than 30 to investigate a dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EMCC Holdings, LLC
State: NY
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:
Equiant in a recent communication States : Equiant Financial Services is the Payment Processor/Data Furnisher for the original creditoXXXX XXXX XXXX  XXXX XXXX Equiant did not take over ownership. This statement clearly shows that : 1. Equiant Financial Services does not own the account. 
2. Equiant Financial Services does not have a contract or business relationship with me. 
3. Equiant Financial Services did not or never contacted me regarding this reporting showing any proof that it owns the account, consent from me to report the account. 
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. 
I know for a fact you do not have my written permission to furnish an account on my consumer reports. 
4. Equiant Financial Services is reporting the account fraudulently because, I did not and have not authorized any company or institution to use my personal information or implied for any purpose including opening an account and reporting an account fraudulently to a consumer reporting agency in the past or present. 
5. Equiant Financial Services has committed identity theft by fraudulently obtaining my name, social security number, date of birth, purposefully continue reported an account after being notified to delete the account and refused to answer request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: JH Portfolio Debt Equities, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times.

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 2022-04-27
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have an Amex Gold card, of which a published benefit ( provided enrollment prior to XX/XX/XXXX ) was a complimentary XXXXXXXX XXXX XXXX membership ( since converted to XXXX XXXX. ) The membership began billing to my account automatically month on XX/XX/XXXX based on the card being enrolled in the XXXX app. The charge continued at the end of each month and I expect to see it post on XX/XX/XXXX as well. There has never been a corresponding credit. 

I contacted customer service on XX/XX/XXXX via phone. The representative agreed that I should be eligible for the credit and began to research the problem. He noticed that I have two authorized user cards in addition to the primary card ( what Amex calls the " basic '' card ) but they're all in my name. I explained that all of my Amex cards have the same last 4 digits which is very confusing when saving cards online so I requested additional cards to get unique numbers. He understood that but suggested that if I added one of the additional cards to XXXX that would be my problem, as the terms state the benefit applies only to the basic card. I confirmed that the basic card was the card that was enrolled in XXXX and he then told me he'd need to open a case. He gave me a case number. 

I did not hear back again from Amex regarding this matter. I followed up via online chat on XX/XX/XXXX and the rep " could not access that case number '' and asked me to explain the situation again. That rep informed me that the credit has posted on XX/XX/XXXX. I responded to the rep that a charge posted on XX/XX/XXXX but no corresponding credit and certainly no back credits from the earlier charges. The rep said I would see " the credit '' on my next billing statement but when I asked if this would include both the previous credits that never posted and would resolve the problem moving forward, he was uncertain. He then suggested that the credit was {$10.00} in XXXX Cash that I receive each month ; although this is a benefit of the card, it is IN ADDITION TO the free membership to XXXX XXXX and not instead of it. He was also unable or unwilling to have someone in a better position to help ( who could see the existing case number ) follow up with me. I determined the best way to get this issue in front of someone who could help to resolve it would be this CFPB complaint. 

Worth noting : I had an unrelated fraud issue on this account after submitting the original case. My card was replaced with a new card number. Therefore, the account information provided is the updated card information after the fraud reset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: JPMORGAN CHASE & CO.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 me and my partner received an email alert that there was a fraud transaction of {$1000.00} at XXXX from our business account. Then XXXX minutes later we received an email that a wire transfer was sent from our account. We were working at that time and none of us have ever done a wire transfer and did not authorize anything. We looked at our account right after we got the alert and our entire account was wiped out. A total of {$29000.00} was wired to a XXXX  XXXX account. We called Chase Bank immediately and told them that there was a wire fraud on our account and to put a stop on it and do something because that was not us. All chase told us was that they were going to send papers in the mail for us to fill out and that is it. We waited two weeks and nothing came in so we called and called and someone finally said that we can get the papers at a local branch. They never told us that from the beginning. So we filed the police report and filled out the affidavit. Our claim got denied before we even sent in any documents and they never notified us. Then we waited another week and I called and it got denied again. They said they had recordings of me authorizing the wire and that I benefited from it. That never happened I never called no one or was on the phone with chase. Now our entire account is wiped and they are saying there's nothing else we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX L ) XXXX Balance Owed : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  L ) XXXX Owed : {$610.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX MORE ) XXXX Owed : {$1000.00}

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 2019-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Investigation took more than 30 days

Complaint:
Early in XX/XX/2018, I filed for CH XXXX bankruptcy. During this time, I was 100 % payment history on my auto loan. During the bankruptcy, they took away my permissions to pay online, so I attempted to call in. They assured me that there is no issue, and I will be able to make payments online shortly. I called a few times during my bankruptcy to try to make a payment, but was unable to. When The bankruptcy finalized, they told me I'm over 3 months behind. I made MULTIPLE attempts to make payments on time, and they are now hurting my credit score because they were unwilling to take my payment during bankruptcy. They still refuse to assist 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 2018-01-13
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Received a letter that a judgment had been entered against me. Threatened further legal action. And threatened to garnish wagers, bank levy and liens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX my SS XXXX my DOB is XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( 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 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Since XX/XX/XXXX had a Credit Card with XXXX XXXX. I had some financial Hardship situations happen to where I couldn't make the payments for awhile until I was able to get back on my feet. Any time before the hardship happened, all my payments were on time and no problem at all. The card went into XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX I was in good standing status with this card. The following four months I was late on my payments, so then XXXX XXXX closed the card and the account. I then continued to receive calls from the XXXX XXXX collections department all hours of the day. When I was able to finally put some money towards this card, I called them so that we can make payment arrangements. From XX/XX/XXXX - XX/XX/XXXX I made payments. XX/XX/XXXX I called the collection dept. and made a full payment. They told me that they would send me a paid in full letter, which they did. As well as correct the status of this account with the major credit bureaus right away. According to my most recent credit reports, the status of this account has not been updated. This has stopped me from increasing my spending power with other Credit cards because this has not been corrected.

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 2018-04-12
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
When I started college in XX/XX/XXXX XXXX XXXX was the biggest lender out there to provide assistance. Fast forward to XX/XX/XXXX when I graduated my repayment was over {$900.00} more than my pay check was every two weeks. I went back to school because that was the only option I had until I could figure out how to pay my loans. I graduated with a XXXX degree. My payments kicked back in and my payment was {$980.00}. I do not know what world these student loan lenders get their interest rate, but no one realistically can pay {$980.00} and still survive. I called them and told them my situation, which was I was pretty much living off {$20.00} after paying all my bills. They told me because I made the payment of {$980.00} in XX/XX/XXXX and XX/XX/XXXX that they would not help me because it looks like I can pay my payments. I had to put bills in other people 's names because I could not support myself. In XX/XX/XXXX, I let my account fall behind because XXXX XXXX is to call you about the past due within 5 days. 5 days went by and I had to call them. WednesdayXX/XX/XXXX, I called and spoke to a financial adviser about what my options could be. After going through a million questions about mine and my co-signers income, XXXX XXXX offered me an extended repayment program at 2 % interest rate and a payment of {$340.00} a month. Both parties agreed on these terms. They sent me a letter in the mail stating what the terms were. I was put into a qualifying period for XX/XX/XXXX and XX/XX/XXXX to make sure i could pay the payment due, which is an automated debit every month. I made the XX/XX/XXXX payment no one called from XXXX XXXX to say my account was past due. I made my XX/XX/XXXX payment and XXXX XXXX who agreed to these terms with myself and my co-signer, called my co-signer 8 times to try and get her to pay {$1800.00}. Not happening. They called me and I spoke with them they wanted me to pay {$2000.00}. I the customer told them about the terms which I agreed to with XXXX XXXX and they told me that there was no note on my account saying I was in any type of extended repayment. If they continue to call I am not returning a single call nor will my co-signer. I stated on the phone with them I nor my co-signer will not be calling them back to continuously get worked up over the lack of communication this company has with its customers, but also within the company itself. XXXX XXXX will forever make you regret that college was ever an option to better yourself and make a difference in the world.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I logged in to check my credit reports on XXXX XXXX  and found that on my XXXX  report there is a collection item that says was opened XX/XX/XXXX in the amount of {$140.00} dollars that I do not owe this company called Credence Resource Management.I have never opened an account with this company and have never received any bills or letters from this company that I've never heard of in XXXX, Michigan. I do not owe these people anything and I am requesting that this company removes this negative item from my any credit bureaus that they have reported to. My score has dropped 66 points because of this item that this company says I owe them! I have never had any business dealings with them and request that this is removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Bread Financial Holdings, Inc.
State: NY
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:
I am not satisfied that you've properly pleased the policies of the Fair Credit Reporting Act in completing your study. My studies have revealed to me that according to Section 1681 ( g ) I suggest you give me an outline with the method employed to guarantee that this account is in collections and give me the name and addresses of persons contacted in each regulation perfectly located at the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:Chase Account number: XXXXCredit Card Issuer:ChaseXXXX XXXX XXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. Chase never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling Chase multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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 XXXX  Account XXXX  XXXX XXXX Account type Credit card 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 602 A Section 2 : its also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

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