BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
All accounts on my credit report failed to verify my alleged debt. Also furnished my credit report without my written consent. Pursuant to law 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/- Payment made, bank shows payment posted XX/XX/XXXX  - Received email notification that my account with Nelnet was past due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : 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 2023-11-07
Company: EQUIFAX, INC.
State: AZ
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 XXXX ; Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX - XXXX, Account : XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX - XXXX, Account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Account : XXXXXXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Account : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-07
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: Information belongs to someone else

Complaint:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The above accounts have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. 

XXXX XXXX XXXX paid after charge off yet the current status shoes " collections and charge off '' That is inaccurate. It is not in collections and paid in full. 
XXXX XXXX XXXX was as a result of fraud and not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NC
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:
This is XXXX XXXX XXXX please 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 2023-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the attached documents. I am urging the bureau to initiate an inquiry into these accounts for which I have never been tardy, yet they are incorrectly reporting me as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 SECTION 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 2023-10-27
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Daughter used my cash app card to order boots. When I got home I looked at her purchase. XXXX pairs of boots XXXX XXXX for {$120.00}. To good to be true. I checked the site she ordered from. It came up as a scam site. With a tag of untrustworthy, with multiple complaints of non delivery. I had her cancel her order. She did within an hour. I followed up by calling cash app. The representative I spoke with reversed the transaction. The scam merchant forced the transaction after responding to the cancellation with a notice that I would be contacted soon. I contacted cash app support and filed a dispute. Since then I have filed numerous disputes all to no avail. I have provided screenshots of the cancellation along with the date I personally cancelled it. XX/XX/XXXX. The merchant acknowledged the cancellation, which I also sent in a screenshot. The merchant insisted on sending the merchandise, trying to assure me Id be satisfied with the product. I continued to cancel over and over. After multiple cancellations from me the merchant told me that the items were delivered. By XXXX, however the postal worker acknowledged that no such delivery was ever made. To me or to any of my neighbors. Now the merchant is questioning whether I missed the package, because its small and might not have seen it, and to check that no one in my home signed for it. XXXX pairs of boots are not small. I have sent screenshots of all the information provided by me and by the merchant. Yet my disputes are continually denied. Now this merchant has notified me that they sent the wrong merchandise, and its now my responsibility to find and return it so they can send the right order. All of which is captured in screenshots sent to you. Tracking number has been entered into XXXX tracking system. Package doesnt exist. Screenshot included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a missed call. It said MBA Law Firm. Turns out, it was it was Mitchell D. Bluhm Law. They first asked me to verify my information. I have never heard of these people. Then they proceeded to tell me I had a debt. At first they wouldnt tell me but I finally got them to tell me it was a debt for XXXX dollars from the XXXX department of XXXX XXXX XXXX from XXXX. I have no knowledge of that. At that point in time I was on a charity program at the hospital and my mom took care of my bills. I told this place I had no debts. I then contacted the hospital and they had no knowledge of any unpaid bills. I called radiology and it was the same. I then called MBA back and told them that the hospital said that, and MBA proceeded to stutter and tried to say that the hospital wouldnt know. Then they let it slip that they bought my medical information, which violates HIPPA 4 days ago. I then got my sister involved but they refused to talk to her. I then proceeded to request and look up my medical records and discovered there are no unpaid bills. The timing is odd as well, y mom who took care of some of my bills, passed away XX/XX/XXXX. In the 2 years they claim I owe, I have not received a bill, letter, phone call, nothing from anyone. This is the first Im hearing of this. Ive tried to talk to these people but its useless. I also discovered that this place is masking a local number and the firm is actually located in XXXX, Texas. Mitchell D. Bluhm is not even a real lawyer, the Texas Bar doesnt have him. Ive also read other complaints about these people. This is a scam. Ive talked to the hospital and others and I have no unpaid bills. I am also in the process of moving and buying a place to live. I dont need this. Someone has to investigate this place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. 

XXXX, XXXX # XXXX date XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  ( original Creditor ) # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: TX
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:
These accounts were open as a result of Identity theft in my name without my consent nor my knowledge. These Credit Bureau is failing to delete these items and block these accounts. Theses Credit reporting agencies is failing to comply with federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: DISCOVER BANK
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received XXXX denied credit letters that i did not apply for and they are listed with my maiden name XXXX XXXX. I received the letters the week of XXXX XXXX. 
Company name : Discover  application # XXXX ( XXXX ) XXXX Company name : XXXX XXXX XXXX  application # XXXX ( XXXX ) XXXX Company name : XXXX XXXX XXXX application # XXXX ( XXXX ) XXXX Also on my credit report XXXX  card was reported and it had a balance. I called XXXX and they said their Fraud Department would handle it. it was opened in XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: CENTRAL BANCOMPANY, INC
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX of 2023, I signed up for an account with this company because they advertised a deposit bonus. All I had to do was make two deposits totaling {$250.00} within 30 days. I was supposed to receive {$300.00} from them for doing so. I did that and then waited, but they never gave me the deposit bonus. Upon asking them why, they told me that my deposits didn't count because I was the owner of my own company. Doesn't seem like a fair practice.

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 2023-07-30
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:
XXXX / XXXX / XXXX / - Date - XXXX / Amount - {$1000.00} / XXXX XXXX - Date - XXXX / Amount - {$400.00} / XXXX XXXX XXXX  - Date - XXXX / Amount - {$630.00} XXXX XXXX XXXX XXXX XXXX / Date - XXXX / Amount - {$1200.00} / XXXX XXXX XXXX - Date XXXX / Amount - {$720.00}. Illegal posting of owner / consumer credit reporting of alleged debt ( s ), hard inquiries on companies credit monitoring services / site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-27
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Re : Discrepancy in Promotional Offer and Undisclosed Fee for Business Checking Account To Whom It May Concern, I am writing to formally address a matter concerning my business checking account with US Bank, which opened on XX/XX/XXXX, under a promotional offer. The terms of the offer stated a bonus of {$750.00} upon depositing an amount of {$15000.00}. 

Following the guidance of a bank representative, I deposited {$14000.00} in cash to the said account. To meet the promotional offer threshold, I further transferred {$500.00} from another checking account I maintain with US Bank, bringing the total to the required {$15000.00}. It should be noted that at no point during this transaction was I informed by the banker that the funds had to be sourced as " new money '' from an external institution. My actions were predicated entirely on the instructions provided by the bank representative. 

Additionally, I was not apprised of a {$39.00} fee associated with depositing a significant sum of cash- '' Analysis Service Charge on XX/XX/XXXX ''. I only became aware of this charge subsequently and brought it to the bank 's attention, leading to its reversal on XX/XX/XXXX. 

On XX/XX/XXXX, US Bank credited my business checking account with a bonus of {$500.00}, an amount that is {$250.00} less than the promised sum under the promotional offer. The discrepancy was not immediately apparent and was only discovered approximately a month later. 

I have engaged in multiple discussions over the past 6 weeks with the bank to seek rectification. Each time, I have been reassured that the matter was approved and that the outstanding {$250.00} would be credited to my account by the week 's end. However, XXXX weeks have since elapsed with no resolution in sight despite my best efforts to expedite a resolution. 

I respectfully urge the bank to review this matter with utmost urgency and ensure that the promotional offer is honored in full, and any discrepancies are rectified. 

Sincerely, 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