BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a few accounts on my credit report that arent mine. Please have them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed by a phone call pretending to be electric company and immediately reported the incident to my bank. My bank claimed that even though the payment was still " pending '', they could not stop the transaction. 
Date : XX/XX/22 Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me. Please remove it.

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 2022-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting acXXXX 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 an account without my written instructions.

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 2020-01-04
Company: EQUIFAX, INC.
State: VA
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've been in a communication tag with XXXX XXXX XXXX for over 4 months. In XXXX, I was the victim of identity fraud, I called XXXX immediately. The person on the phone assured me I had nothing to worry about and that nothing would report to the credit agency while I fixed my payment accounts. 

In a response from XXXX XXXX XXXX to my complaint, they sent me someone else 's account information as a reply! This is extremely negligent and a slap in the face because I was just a victim of identity fraud. I've attached the letter here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CORELOGIC 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:
Corelogic Credco I did file a freeze earlier this year with you so here is another freeze to your company YOU ARE OFFICIALLY order to CEASE AND DESIST ANY AND ALL consumer information about myself to ANYONE OR COMPANY that includes XXXX, XXXX, XXXX I never approved you to use my information nor collect my information to use that is invasion of privacy. I never gave you permission or approval to make my consumer report public.my right to privacy is being violated by you I ask that the CFPB step in on this matter Enclosed are USC codes that you are violating respond by through the CFPB, do not state you need more identification this is a government wed site

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 2017-07-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I submitted a complaint through CFPB and they said that the {$37.00} fee would be refunded to me on XX/XX/XXXX and it HAS N'T been done. Response from original complaint. On XXXX XXXX, 2017, FNB issued you a one-time courtesy refund of OD Fees in the amount of {$37.00}. I need this done like XXXX XXXX XXXX said it would be and I have no further questions or need to speak to anyone on the phone. If you care about my business and want this to be finally resolved then I expect XXXX XXXX XXXX to make sure it gets done. Please respond back to this complaint when it is truly done and I can pull it up in my online banking and see it done, I realize it will now be done after the XX/XX/XXXXbut need this done ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX )XXXX XXXX XXXX, XXXX Account number XXXX, XXXX XXXX XXXX. Account number XXXX, XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX 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 2022-04-27
Company: DriveTime
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ) - DT Credit ( XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: MO
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:
Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$3900.00} US DEPT ED XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: AG AH LLC
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a house in XXXX, my first payment was due XX/XX/XXXX i made my payment on time to the bank that initially started my loan. I did not receive a notice of transfer and began receiving calls from XXXX XXXX about a missed payment. I called XXXX XXXX to find out what happened and learned that my loan had been sold in bulk. On XX/XX/XXXX the money was removed from my account, according to XXXX XXXX the money was forwarded to ARC home loans and recieved by them on XX/XX/XXXX. 
I have attempted multiple times to get in contact with ARC and each time was forwarded to XXXX XXXX. I did finaly get in contact with a loan officer from ARC and he said he would look into the matter, i have not heard from him since. I spoke with a manager from XXXX about the matter but lost phone connection when he attempted to do a 3 way call with ARC. 
At this point 2 months have gone by since i made that payment and ARC has still not registered it as recieved. However the money was removed from my account and i have been on time with all of my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Well on XXXX XXXX this client that had my services for 3 months decided to do a chargeback of the amount of {$60.00} after those {$60.00} were returned back to my account it was taken out again and my account back to negative but now with an extra {$20.00} on it so now im - {$80.00} on my account, after numerous calls to paypal regarding this case i was told is still being reviewed and it might take up 75 days, but no one told me that if the case is still being reviewed i had to pay the balance or i was going be sent to collection, no one gave a warning regarding that balance they just kept saying is still under investigation, and it will be taken care of by paypal. Its been almost 3 1/2 months since this case been opened and since paypal sent proof to the bank institution, So now i want paypal to fix this issue and get my credit score fixed because now paypal has ruined my credit score, If paypal is unwilling to take action against this case ill get a hold of my attorney and have them take action against Paypal Inc. If paypal can also do me a favor and close my account once they fixed this issue because for what just happened im staying far away from paypal as possible thats for sure. Once paypal has resolved my account and fixed my credit score i want my Paypal account closed asap. I Wont be doing bossiness or getting near paypal ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: EQUIFAX, 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:
on XX/XX/XXXX The credit bureaus stated Account : XXXX XXXXXXXX ( acc # : XXXX ) was properly investigated but how is that possible if the last payment is inaccurate, the date last reported is inaccurate, last payment inaccurate, date closed is inaccurate and times 30/60/90 days late is inaccurate. Payment status is inaccurate. This ground for Removal. 

They also violated my rights under 15 U.S.C 1681 Section 604A Section 2 : The law Clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) : The Law clearly states if the item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/XXXX The credit bureaus stated Account : XXXX XXXX ( acc # : XXXX ) was properly investigated but how is that possible if the last payment is inaccurate, the date last reported is inaccurate, last payment inaccurate, date closed is inaccurate and times 30/60/90 days late is inaccurate. Payment status is inaccurate. This ground for Removal. 

They also violated my rights under 15 U.S.C 1681 Section 604A Section 2 : The law Clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. 

They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) : The Law clearly states if the item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following credit inquiry is fraudulent, unauthorized and dont belong to me : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. I never applied for a XXXX XXXX  credit card.

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 2017-07-24
Company: Experian Information Solutions Inc.
State: PR
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:
In the first complaint I submitted to CFPB ( to be more exact refer to complaint # : XXXX ) Experian replied that : verified that the disputed information was accurate as reported. The result summaries were sent to you for review on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And with this, EXPERIAN closed the complaint on XX/XX/XXXX. On XX/XX/XXXX, I made a complaint feedback note for complaint # : XXXX and create new complaint # :XXXX, because the first one was CLOSED BY EXPERIAN . On XX/XX/XXXX, I received a notification from CFPB that EXPERIAN RESPONSE with the following statement : Unfortunately, at this time, we are unable to process your disputes, as they are not specific. We must have a specific dispute that includes the account name, account number or the name of the inquiry and the date, or if you are disputing personal information we need the specific name, address, employer or telephone number. And with this, Experian closed the complaint on XX/XX/XXXX. So, I feel extremely lost because in the first complaint, Experian said they verified and my disputed information was accurate as reported ; and in the second complaint, Experian says they can not do anything because they needs account information. This is unacceptable and I feel outraged. So, here I send you the information requested on complaint # : XXXX : XXXX XXXX : ACC # :XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX : ( XXXX ) XXXX XXXX : ACC # : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ; ( XXXX ) XXXX For all this five accounts  listed above, Experian failed to send proof of verification for each of the account. Also, all of these accounts were listed in a total of 9 USPS Certified Mail Letters that I send to them. I have copy of each letters as proof of verification. The LAW is clear ; all unverified accounts must be promptly deleted. Another crass error of Experian is that the date of birth is incorrect ; perhaps this is why these accounts appear.

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 2022-07-20
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:
1. In accordance with the Fair Credit report Act 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 is also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA Date Updated : XX/XX/XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2022-06-10
Company: EQUIFAX, 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, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -Untitled { XXXX XXXX XXXX } XXXX -Untitled { Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - - - - 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. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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 XXXX XXXX XXXX. File # 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.

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 2017-07-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
USAA Savings Bank sold ( 4 ) accounts and the debt associated with these credit cards to the XXXX XXXX, aka XXXX  XXXX. These cards are not mine and were opened as a result of identity theft and fraud. I have never used these cards and have never had them in my possession. I notified USAA as such. I also provided USAA proof that I was a victim of identity theft and each of the three credit bureaus froze my account and placed notices of such therein. XXXX XXXX is now contacting me attempting to collect on the fraudulent accounts and obtain money under false pretenses. I have asked that they provide the same supporting information on which USAA relied to make their original claim, but to date they have not responded. I hold USAA and XXXX XXXX liable as they are both in violation of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Experian Information Solutions 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 XXXX Payments reporting late when this account was never paid late

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