BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf and it was determined that the credit furnisher was verified. These reports are misleading and suspicious. Below are the federal law violations that these companies are committing. If this doesn't get resolved I will seek litigation and charge {$1000.00} per violation. 

However, All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
NEW COMPLAINT For over a month now I had been trying to receive replacement credit cards from Citi. Finally they agreed to send one for me and one for my wife. 
On the XXXX of XXXX I received my card but not the wifes. 
I called and got absolutely nowhere as they said they couldn't use my phone number to verify it was me. No explanation given except that a letter would be sent in the mail with a code. Yesterday the XXXX of XXXX my new card was declined!!! I called again and got absolutely nowhere again. I have had it with Citi and their Professional card which I use to use for business is less than Professional when it is declined. I have called the person, and left messages, who wrote the explanation on my previous complaint XXXX XXXX at CITI several times and have not received a reply as of this time.

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 2019-12-12
Company: Bread Financial Holdings, Inc.
State: FL
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:
Last year I had two accounts that were closed for no reason by Commenity Bank one XXXX XXXX  the second card was a XXXX  MC both cards were always paid on time and I never understood why they closed the accounts my credit report was excellent and I filed a complaint with CFPB. Now any time I apply they have chosen to decline applications by retaliation. The decline are frivolous and I think CFPB needs to come down hard on this bank abuse of power.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect

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 2023-06-21
Company: Experian Information Solutions Inc.
State: MO
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:
The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number XXXX then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXXXXXX has stated in a documented letter of their inaccuracies

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. 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 2021-11-16
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was called by someone from Receivables Performance about a XXXX bill in collection. I told the person that it was the result of identity theft in the fall of 2020, and that police reports and FTC complaints had been filed. They then placed it with XXXX. I disputed it with XXXX, and they removed it. 

Today I received another call from Receivables Performance saying that he didn't think it was identity theft, and that I'd have to prove it. I asked him what else I could do to prove it, and he told me he did not know. 

I tried to contact XXXX  but there are no links or phone numbers to report fraud.

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 2023-08-30
Company: EQUIFAX, INC.
State: TX
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 protested consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX ) XXXX  ACCT number XXXX Date opened XX/XX/XXXX Chargeoff {$590.00} XXXX ) XXXX XXXX  ACCT nunber XXXX Date opened XX/XX/XXXX wrtten off {$190.00} XXXX ) XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XX/XX/XXXX Writtenoff Repossession {$25000.00} XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) ACCT XXXX XXXX Date opened XX/XX/XXXX collections {$2200.00} XXXX ) XXXX XXXX Acct Number XXXX Date opened XX/XX/XXXX collection {$9600.00} XXXX ) XXXX XXXX  ( XXXX XXXX XXXX ) Acct Number XXXX Date opened XX/XX/XXXX collections {$670.00} XXXX ) XXXX XXXX XXXX number XXXX Date opened XX/XX/XXXX collections {$2100.00} XXXX ) XXXX XXXX XXXX ACCT number XXXX XXXX XXXX XX/XX/XXXX Collections {$1500.00} 15 U.S.C 1681 Section 602A states I have the right to privacy.

! 6 U.S.C. 1681 Section 604A 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 reporting by more than 7 years.

15 U.S.C 1681 s-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 2021-11-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I, The Consumer and natural person entered in this consumer credit transaction with XXXX XXXX JPMCB XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but JPMCB took cash. The finance charge is supposed to include insurance but i was forced to purchase insurance separately. JPMCB sends me billing statements and making negative marks on my credit file as if i owe an alleged obligation. However the billing statements come with a positive balance, and you can not pay on a positive balance. I am being violated by JPMCB furnishing certain deceptive forms pursuant to 15 USC 1692j, as well as false and misleading representations pursuant to 15 USC 1692e ( 2 ) ( a ). By doing so JPMCB has ruined any chance of me extending credit because of this and i can not buy a house or even get a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I have called TransUnion five or six times today to have these unverified inquires removed from my credit report. XXXX to have these inquires removed and they are lying to 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 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXXXXXX is reporting twice on my Equifax Credit report. I have disputed it several times and it keeps coming back as accurate. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: Experian Information Solutions 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 was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my extreme frustration and concern regarding a critical matter that demands your immediate attention. It has come to my notice that there are instances of identity theft on my credit report, and I demand that you take swift action to rectify this situation without any further delay. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

Upon recent scrutiny of my credit report, I discovered fraudulent entries that are severely impacting my credit score. It is absolutely unacceptable that such inaccuracies persist on my credit profile, jeopardizing my financial well-being. I have attached a copy of my credit report highlighting the fraudulent items for your reference. 

Identity theft is a serious violation, and I expect TransUnion, as a reputable credit bureau, to address this matter with the urgency and severity it deserves. The fraudulent entries include : XXXX XXXX XXXX XXXXXXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXXXXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand the immediate removal and deletion of these fraudulent entries from my credit report. This is not only a breach of my financial security but also a violation of the trust I place in TransUnion to maintain accurate and secure credit information. I have taken steps to report this identity theft to the relevant authorities, and I expect your full cooperation in expediting the investigation and resolution of this matter. 

Failure to comply with this request will leave me with no choice but to explore legal avenues to protect my rights.

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 2021-04-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On Sunday XX/XX/2021 at approximately XXXX XXXX, I contacted a software vendor to purchase their product. They indicated that they do business through Paypal and they have a six months same as cash offer. They sent me to the Paypal. I signed up for a Paypal account which was approved with a {$4300.00} credit limit. The software cost was {$2900.00}. I attempted to purchase the product, but the transaction was denied. I attempted to contact Paypal, but it was too late their customer service center was closed. 

On Monday XX/XX/2021, I contacted Paypal and confirmed credit limit and inquired why the transaction was denied. The young women said that they have no way of knowing why - just that the Paypal software identified some type of risk. So I contacted the software vendor and they indicated that they are in good standing and have been doing business with them for many many years. I called Paypal again and spoke to another young women and then with a supervisor and they both stated the same thing - that they don't ever know why and that there is no way to challenge or dispute the risk assessment. 
They both thought that maybe it had to do with a new account and a fairly large initial transaction amount. So I attempted to purchase {$120.00} of cat food from XXXX to test their theory, and again the transaction was denied. 
So I called again and bascially received the same pat answer - they don't know why - the software says no - and that is that. Maybe if I wait for an undetermined amount of time, I might be able to use the Paypal credit, but again no way to know for certian. 
So it appears to be misleading advertising at a minimum and a violation of the fair lending laws from my point of view. If they had just denied the credit offer to begin with and sent me a fair lending disclosure I would have had no complaint - but they didn't and the fact that there is no recourse is very frustrating.

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 2023-10-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
The account isn't mine I would like to have you send me the original signed contract if not please remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have been a Fifth Third bank checking account holder for XXXX years. In the past XXXX months, I have had charges come through my checking account that caused my balance to go negative. I have always turned " off '' my overdraft protection and use that as a way to know when my balance is low and I need to put more money in that account. Each time ( I believe it has happened twice in the past XXXX   months ) my balance has gone negative, I get charged a fee.

I called Fifth Third and complained about this when it happened XXXX months ago, and they did remove the overdraft fee during that occurrence. Today is XX/XX/XXXX and the same scenario occurred again yesterday. I do not understand how a bank can authorize a transaction via your checking account when there are not funds in the account to cover the transaction, I asked them not to do that, and not only do they do it anyway but then charge me {$34.00} for doing it. Seems highly illegal and immoral. Please investigate.

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
In XXXX of 2021 someone opened a fraudulent business account in my name. They created a DBA account and then went to Chase bank and got a credit card for the fake business. They charged around XXXX XXXX dollars. About 6 months later, my credit report dropped over XXXX points. After a few calls to Chase we figured out what had happened, I told them this was fraud and they reversed the charges and removed it from my credit report. About 3 months later, Chase went ahead and put the charges back onto my credit report. When I called them to clarify ; I was told that the account was opened in person and I was responsible. I contested the charges sent them proof I was working until XXXX that day, and was probably asleep when this happened. I sent them pictures of my ID and other information. I never heard back from Chase. When I called them again a month later, they said they investigated and I was responsible for the account. They have never disclaimed how they investigated or how they determined I was responsible. When asked if they have the ID from the person who opened the account they said they don't require an ID to open an account. I provided my ID, and my signature does not match that of the account that was opened. They just talk in circles and say I am responsible, never providing any proof. They told me where the DBA was opened, and I should contact them. I asked why didn't they do it, being a big financial corporation and they said it's not their job. They also told me that the account was being paid up until a few months ago. I asked why don't they go after the account that was paying the charges ; they said I would have to investigate that. They are a bank, can't they figure out who was paying for the charges. They have now sent me to collections, even though they have never once contacted me, or provided me with any writing of a default account. When I asked who they were sending statements to, they said they had no email address linked to the account. Consistently they have been rude, disrespectful, and refused to help. I am always the person contacting them, trying to solve this cause of fraud, and they just stonewall me, when it would be much easier for them to solve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
All of my complaints within the CFPB were not taken seriously were not handled properly I was talk at not to. They refused to handle my complaints properly every time I got some type of notice about a complaint and I tried to respond I was not able to respond in a timely manner because my email would always bounce back to my mother who had some previous complaints which had nothing to do with me I want my complaints with respect reviewed and started from the beginning so that I can get a proper handling of that with this new administration. How I was unjustly treated. I told them I was a XXXX Veteran and that meant nothing to the them.

Company response to consumer: Closed with explanation