BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
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: Investigation took more than 30 days

Complaint:
It has come to our attention that XXXX XXXX XXXX  has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I've looked at my report and don't recognize these injuries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have like 15 unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX The ones below are unauthorized. I went to a dealership that was supposed to do in house financing. The share my information without my permission. 
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 explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: OH
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 sent a second certified dispute to Equifax, XXXX, and XXXX on XXXX regarding an unverified account on my credit report. XXXX XXXX XXXX is on my credit report the credit reporting agencies claimed was verified. I did a direct dispute with the creditor as advised by Equifax only for the mail to be returned. This also is a medical debt that is below {$500.00} and under the Medical Debt Rule, it should not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency has been trying to verify a collection for almost three months and they still havent sent me debt verification letter and it has been more than 30 days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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:
In accordance with the fair credit reporting act this creditor, XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

Section 15 USC 1681 Section 602 which states I have the right to privacy.

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

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit card late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
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:
Equifax continues to display these accounts below on my personal consumer report. I am building a suit against Equifax as I have disputed these items before and Equifax claim these are in fact my accounts and that the my claim for error, identity theft and fraud is continuing to be ignored. Consumer previously demanded that XXXX cease and desists and block listed accounts as Equifax continue to provide no evidence of to support its claim. I also have chosen to opt-out of each of these accounts being reported to my personal consumer report. Equifax continues to violate my privacy. If I have ever given consent, I am now rescinding that consent to furnish any of these accounts onto my personal consumer report. 

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 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 15 U.S. Code 1681b - Permissible purposes of consumer reports-anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18.

In accordance with the written instructions of theconsumerto whom it relates.

According to FDCPA, a consumer report can not have misleading and false information on it. All late payments are illegal and all charge off 's are a violation of securities fraud and tax evading if not reported as income but I have not received any 1099 's.

15 usc 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 2023-08-05
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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am refiling this complaint due to the resolution of the previous complaint filed. Again the account is appearing to have a late payment even if I was not late. XXXX XXXX I demand you to update this on my report cause it's clearly a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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:
UNDER THE FCRA UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME WITH A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED BELOW, 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  ) requested verification for months.Still have nor recieved verifiable proof. Please delete requesting via mail will attach identity theft report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I sent write letters to the CRAs & these companies for the attached accounts. I also submitted a CFPB complain for XXXX XXXX on XX/XX/XXXX & XXXX for XXXX XXXX  on XX/XX/XXXX. 

They have had ample time to update their records. I am showing a MAJOR violation in their investigation processes, not only are there inconsistencies within their reporting, but they are not showing that these accounts have even been disputed. 

This does not display accurate reporting that I am entitled to. These accounts have been marked as verified, but do not display that an investigation was even initiated. 

These inaccurate accounts should be removed immediately for a major violation of the FCRA. They have each had at least 5 times AND ample time to update their information records and have chosen not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: IA
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2023-08-07
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:
My credit report shows 120 days late payment on XXXX XXXX XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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 information incorrect

Complaint:
On XX/XX/2023 I received notice from Equifax that the account showing a repossession was accurate and factual. The company 's name was XXXX. The open date is still showing incorrect and the date of last payment is grossly incorrect. The account was opened on XXXX and the credit report is showing XXXX. The date of last payment is showing XXXX when the actual last date of payment was XXXX and then the company 's gap payment and auction payment is actually XXXX. They continue to report this information and purposely hurt my credit score. On tope of that the reporting method is not XXXX XXXX compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: AZ
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX  XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$430.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I filed a complaint with against Chase bank in reference to them restricting my account under case number XXXX. The Banks executive office reached out to me via Email on XXXX XXXX 2023 and stated that i could go into the bank branch to withdraw my funds of XXXX before the documented Closing procedure begins on XX/XX/2023. However, I go into the branch to get my funds and Im told that Chase had in fact closed my account on the day of the letter being sent instead of the documented date thats in my letter. I have been dealing with this entire situation unable to get my funds since XXXX the XXXX I have been homeless because Im stranded and been getting the run a round from them. Now they are saying they closed my account today and that it shouldnt have been closed until the day listed in my letter which is the XXXX, XX/XX/2023. Saying there is nothing they can do and I informed them that I do not live at the address on file and that if they send any check to the address it wont be received and I refuse to have to wait another day for my funds!!! There are notations in my account stating the account isnt to close until the XXXX of XX/XX/2023 and that I can come in and pick up a check with no hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I use to have an account with XXXX XXXX XXXX but I completely closed my account in 2021. 
MyFortiva Credit card decided to send me an active credit line of XXXX in my name claiming since I have been such a great customer I was rewarded a line of credit. 
I did not apply, consent, or want this credit card in any way. I called and they told me even over the phone that I did in fact close the account with XXXX in 2021. 
I immediately did a credit report and saw that this XXXX credit card was on it. Something, I did not apply for. 
They begin to tell me that I received emails that I am getting a new credit card in the mail and if I saw them. They even begin to tell me that it should not be a hard inquiry on my credit. 
I begin to tell them that there should not be an inquiry at all take it that I did not apply for the credit card. They even told me that they know I did not apply for the credit card but proceeded to send it to me because I had a good standing with XXXX. 
Again, not a credit card I applied for or wanted and that is now on my credit report. 
I was told to send my issues to an email and describing the situation to them and that they will get back to me in 1-2 business days with their investigation and final decision. 
Again, a credit line I DID NOT apply for or agree to. 
I am currently contacting them for the third time and sending my issues to this email they provided to me and I have made it clear to them about what they did was illegal and made clear The Truth In Lending Act. 
What I found to be also strange that they knew my new address of where I lived on top of it as I lived in another address when I used XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Hi, I had traveled out of the country to the carribean in XXXX to celebrate my sister birthday and I booked an excursion through XXXX. Unfortunately I was not able to do the excursion because of personal reason so I canceled a day before through the app of XXXX and it seems like there was a glitch due to lack of connectivity being so that I am unable to have phone service in the XXXX besides the Wi-Fi and connectivity the hotel provides. I canceled on time and even though the XXXX XXXX sent me the only proof a few hours later of my cancellation the merchant denied my full refund. I disagree with the way they handled this situation and did not honor their policy. I proceeded with the dispute through my credit card company which is capital one spark business card and I am extremely disappointed with how they handled this dispute. They denied my dispute three times after I have sent multiple evidence showing the transaction, times and explaining that XXXX sent the cancellation hours later and even informing them that the phone service is not the best out there. They completely denied and I upset that I am being charged for service I did not even use and being taken advantage as a tourist in another country which is nothing new now indays but my credit card company not helping me out nor investigating as they should. I would submit my dispute with all attachments and they would send an automatic denial letter within 30 min, like what type of investigation is this. I do not want to be part of this company so I will closed my account because if they cant help out their clients with a transaction of {$310.00} I do not want to go through a transaction of over {$1000.00} and not see something resolved. Now I have to pay to my credit card an amount that should have been resolved but they are money hungry and not resolving my issue.

Company response to consumer: Closed with explanation