BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-06-06
Company: EQUIFAX, INC.
State: CA
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 called your department after I purchased a credit report with XXXX on XXXX XXXX XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was COLLECTION account on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Aldous & Associates, PLLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several years ago I joined XXXX XXXX in CA. When I joined I set up automatic payment with my bank. Approx. XX/XX/2022 I called and informed XXXX XXXX that I was moving to Indiana and wanted to cancel my membership. They took, my information, told me I was current with payments and that I was cancelled. I then called my bank and stopped the automatic payments. A few months later I was contacted by a XXXX XXXX agent who said I owed {$130.00}, I told them I cancelled my membership and was current when cancelled. They said they would check. I was then told I was okay. Heard nothing else for 6 months when the law firm of Aldous & Associates contacted me. I informed them in writing that I disputed the claim, and that I cancelled as described above. I asked them in writing for an explanation of the {$130.00} charge and all documents pertaining to the charge. I only received an illegible copy of a membership agreement that was unreadable. I again asked for an explanation of the charge and copies of legible documents. I was supplied with no other documents or information verifying what was owed. They reported the alleged debt to credit bureaus. Despite knowing that the debt was disputed, they provided no legible documents or information, after I had requested these same twice in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit 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:
THANK YOU FOR ALL THE HELP PROVIDE I made a despute with my XXXX XXXX and Chase Bank denied refund. 

XXXX  and I are on good grounds in as much as I had the XXXX  during that period. THANK YOU FOR ALL THE HELP YOU PROVIDE. 


XXXX XXXX XXXX XXXX phone XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX XXXXXXXX -- Agent XXXXXXXX XXXX XXXX XXXX XXXX XXXX  WWW.CHASEBANK.COM BANK SAID Your XXXX  order would be cancelled. 
DATE XXXX XX/XX/2023 I ASKED CHASE BANk HOW MUCh WAS NEEDED TO PREVENT THE CANCELLATION. 

THEIR STATMENT WAS XXXX XXXXXXXX HAD MONEY IN THE BANK FOR {$330.00}. This amount was enough to cover the items due to be cancelled. {$330.00} was enough to pay all items. I PUT THE MONEY IN THE CHASE BANK IT ARRIVED XX/XX/XXXX AT XXXX XXXX  AND THIS WAS MADE 4 DAYS PRIOR To XX/XX/XXXX. 

This gave them- 4 banking days- to use the money and close the account. the CHASE BANK required 3 to 2 days to complete this action. 
CHASE BANK -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account ending in : XXXX THIS IS THESE STATEMENT FROM CHASE BANK FOR THE Payment amount : {$330.00} MONEY THAT I PUT TO THE ACCOUNT. THE ITEM THAT Effective date : XX/XX/2023 THAT XXXX IS THE XX/XX/XXXX AT XXXXXXXX XXXX Payment authorized on : XX/XX/2023 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THERE IS -- 4 -- FULL DAYS BEFORE THE DATE OF CANCELLATION. 
THEY DID NOT PAY ANY OF THE CANCELLED ITEMS PRIOR TO XXXX XXXX and THE CANCELLATION WENT AHEAD. 
CHASE TOOK THE MONEY. THEIR STATMENT ON XXXX XX/XX/XXXX of {$330.00} CHASE GOT THE MONEY, AND SENT ME AN EMAIL DATED XX/XX/XXXX, SHOWING THE MONEY IN THEIR ACCT. AND REFUND RETURNS, AND I GET NOTHING AND XXXX  KEEPS THE produts THAT WERE ON SALE. I got nothing. 

-- -- -- -- -- -- -- -- XX/XX/XXXX Order : # XXXX # XXXX NOTE THE SAME ITEM ONLY ONE ORDERED XX/XX/XXXX ORDER # XXXX THIS OCCURED ON XXXX XXXX XXXX and were marked # XXXX with the same number and is very wrong. 
-- -- -- -- -- -- -- -- - XX/XX/XXXX SEE ABOVE THE CANCELLATION WAS XXXX XXXX marked the same. 

I cancelled the Chase Bank card and directly located my Acount with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM XXXX XXXX A NATURAL BORN PERSON. " In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past 5 months I have made several attempts to remind you of your duty pursuant 15 USC 1681. It appears that Transunion & XXXX is intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... ... all of the unverified information must promptly be removed. 
They can see in there system that this account was previously disputed without being verified. XXXX has violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission not only that they did not have my consent. They not respect my right to privacy which is under 15 USC 1681 ( a4 ). The account being disputed is XXXX XXXX XXXX XXXX of XXXX GA.

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 2023-03-02
Company: EQUIFAX, 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:
XXXX  XXXX account shows that I missed a payment on XX/XX/2021 which is not true. On XXXX it shows that I payed on time, but on equifax and XXXX  show late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I want to place a credit freeze with equifax for my son who is a minor ( born XX/XX/XXXX ). In XX/XX/XXXX I sent in the required documentation to equifax, who only allowed me to do this by mail. I didn't receive confirmation of the freeze. Of note, at the same time I did the same process with XXXX and XXXX and received confirmation of freeze via mail from those two other credit agencies. 
On XX/XX/XXXX I went on the Equifax website to follow up and see why I had not received confirmation of the credit freeze. There was no way to get help with this online, so I called. I spent 15 minutes on the phone going through prompts, then got an automated message listing what documents needed to be mailed in, and was disconnected. I immediately called back, asked repeatedly to speak to an agent, spent another 15 minutes on the phone going through security confirmation prompts, and then was finally connected to an agent. I told him what the problem was and he asked for my son 's social security number for verification. I gave it to him and he said he would put me on hold and check, but instead hung up. On XX/XX/I again called, 20 minutes on the phone. The agent and supervisor I spoke to said they had no way of helping me or checking on the status of my request via phone ( this time did not even ask for social security number ) and all I could do was mail in the documentation again. I find this unacceptable as I already submitted this documentation by mail exactly as instructed, and do not want to go through the process of doing all of this again without knowing why my original request was not processed. If my mail did not reach their office, then someone potentially stole an envelope including sensitive information like my son 's social security number and birth certificate. They were completely unwilling to look into this or discuss this. The supervisor said that he was not in the department that handled this, and that the department that handles credit freezes for minors does not talk to anyone over the phone. 
I told the supervisor I would file a formal complaint due to their refusal to help me over the phone and excessive amount of time I had to spend on this. They are legally required to allow me to place a credit freeze and are making this unreasonably difficult. I have spent approximately 2 hours at this point trying to place the freeze. If they would allow online submission of the documentation I would have been able to do all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: VA
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 satisfied the following accounts with the following companies and as a result was notified that these accounts would since be removed from my credit report as a Good Faith. These accounts are yet to be removed from my credit file. I request these accounts be Verified through a replicable source outside of the e-Oscar SysteXXXX and removed from my credit report as they no longer pertain to me Due to the debt being satisfied.

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 2022-09-14
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called back in 2018 when I paid a debt that was owed attached to my social security. Later to find out that they were charging me again for the same apartment complex just a different apartment number. The account national credit system has have a different social security number that isnt mine. The contract that they provided doesnt have my social number on it. They purposely remove the social security number from it. I asked them how can I get an apartment in the same apartment complex if I owed a balance? Thats not possible. They ignored my claim and refused to remove it, after I had just paid XXXX dollars for the debt owed with my social security number. This isnt my debt I paid what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: MS
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 USC 1681. 


Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, 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:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : 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 explanation
Consumer complaint received 2023-04-25
Company: Navient Solutions, LLC.
State: GA
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:
Navient is reporting a 90 Day Delinquency in XX/XX/XXXX when the account was covered under the Federal Covid Relief Program established XXXX XXXX. The loan origination was established as a federal loan in XX/XX/XXXX, which covered the account 's payments, interest and collections activities under the Covid Relief Program. Navient has refused to acknowledge the loans origination as a federal loan and instead validated their actions by stating the loan was a private loan, therefore was not covered under the Covid Relief Act which was not true. It has been requested by myself that Navient validate their claim by providing the original loan Promissory Note to support their claim and has failed to comply. 

XX/XX/XXXX is also reporting 90 days by Navient and the account was under a Hardship Deferment as the other two loans 1 and 2, which was also managed by Navient through a acquistion of XXXX XXXX profile loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 disputed 8 charges from XXXX and their servicer XXXX. I had repeatedly tried to resolve with XXXX and XXXX prior to being forced to file disputes. This was for dental appliances that were never received, they cancelled the processing but still billed in error thinking they had manufactured them. Capital One has reinstated erroneous charge to my card. This is despite providing overwhelming evidence that the charges were erroneous. XXXX has since admitted the charges were erroneous. They clearly state in writing it is an error and they have directed their servicer XXXX to refund all charges. It has been very difficult with Capital One. I was supposedly working with executive relations but yesterday " XXXX '' informed me she was making a credit permanent but in fact did the opposite and reinstated 2 of the charges on my bill. I disputed these charges and Capital One closed my card and issued a new one saying it would block future charges from the merchant but they immediately allowed 2 more charges from the merchant on the new card and then that card had to be cancelled. I uploaded proof that these charges were erroneous including correspondence from XXXX saying their charges were in error and that they had asked XXXX to give a complete refund. Capital One has this documentation and clearly it is undeniable these charges are not legitimate. Despite this they have reinstated the charges to my account. 2 charges as of yesterday. I spend hours getting the runaround from Capital One. They give completely conflicting information. You are dealing with people working from home with people in the background. The TV on and dogs barking. It is so not secure anyone apparently can be in the room while they are accessing your info. Where are the security measures! As my card issuer I am supposed to be protected from erroneous charges. Capital One despite the evidence and despite being told to block additional charges are refusing to help and saying there is nothing more they can do.

Company response to consumer: Closed with non-monetary relief