BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
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 act XXXX account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. 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 a account without my written instructions.

15 USC 1666 b : 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 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 2021-08-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied in XX/XX/2021 for a chase XXXX marriott credit card and was approved. I received a call a few days later from chase asking if i applied. I confirmed and verified that i did. They mailed me a card. I tried to activate it. They told me it was being reviewed by fraud. I received a letter a couple of weeks later saying that they closed the card because they didnt know if it was opened by me or not. If i did apply to call. I called. They had me email my identification. Afterwards i received a letter saying i was responsible for the account they reopened it. They sent a new card. I tried to use it. They told me it was being investigated.AGAIN. I received another letter dated XX/XX/XXXX. Saying they closed it because they didnt know if it was me or not. If it was me to call and let them know. I called AGAIN. i asked why do i have to keep doing this. Their response was. The account is under review. At this point. This is on my credit and opening and closing this acct is affecting my credit. This is unfair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested that the incorrect information be removed from my credit report around a month or so ago and the incorrect information was not removed

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 2022-06-22
Company: OneMain Finance Corporation
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: Information belongs to someone else

Complaint:
There was a co-sign for someone in XXXX. I was attempting to buy a second home and paid the remaining XXXX for a loan I did not approve. There are negative marks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I setup my home loan to be taken out & on XX/XX/2022 they took it out. I had forgot I had set it up. So I paid it again the next day before it was posted into my account. I called them because I went to get XXXX & my card was denied so I looked on my bank & they had took it out a 2nd time. So the lady saw where I had paid twice & gave me the option to refund the payment or put it towards XX/XX/2022 payment. I opted for the refund. They refunded. On XX/XX/XXXX they took it our again. I called & they said the system had a glitch. They refunded it. I paid my XXXX payment & I have called the company on their recorded line prior to paying the XX/XX/2022 payment approximately 15 times & everyone said it showed I had paid so they wasn't sure why. They escalated the issue. Was told a manager would call me once resolved. Never heard from anyone. They call today & it was not a manager but a representative stating I was two months behind. 
I have uploaded my documents ( bank statements ) to their website, been told by numerous employees at their firm that it was paid & now they are still saying I owe $ XXXX dollars. It has been a total nightmare. I am terrified I will loose my house due to this. I have asked numerous times to speak with managers & was denied. I have asked them to go back & listen to all of the recorded calls & was denied. I do not have $ XXXX to pay this especially for something I've already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: SIMM Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being harassed by SIMM Associates for a debt that does not belong to me. I have never had an account with them or XXXXXXXX XXXX, the company they claim to represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. 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 a account without my written instructions.

15 USC 1666 b : 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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
fraudulent inquiries have been reported on my consumer reports i have disputed these in the past with no remedy available to me. i just filed a complaint with the FTC heres my report number : XXXX these need to be removed immediately you are in violation of my rights! 

15 USC 1681 Section 602 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 a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-23
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Speedy cash said I owed them XXXX dollars. I explained to them repeatedly it was not my account. Still, they are reporting it on my credit. Im tired of disputing a charge that doesnt belong to me for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
Company: Galaxy Capital Acquisitions, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Worldwide asset Portfolio Galaxy is fraud. XXXX XXXXXXXX XXXX and their lawyers back it up. I I discovered over 22 years that I've been paying for a credit card ending XXXX found out XX/XX/XXXX its a bogus account XXXX XXXXXXXX XXXX has sent me and the lawyer the paperwork to prove it. Worldwide galaxy portfolio attorneys are XXXX XXXX in XXXX Michigan XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has put state on my mi taxes Causing Financial ruin. Gave me a nervous break down lots of sleep. now my court case is with the XXXX XXXX XXXX in XXXX XXXX Michigan judge name XXXX XXXX XXXX XXXX She's asking me for a stronger defense because the letter from the XXXX fraud department wasn't anough of a defense .so XXXXXXXX  Attorneys Draft it another letter this time from the lawyers saying that it's been fraudulent and to release the state Lein off Mi state taxes. Worldwide assest has taken {$7000.00} of my taxes and Garnishing wages. in conclusion I did investigation on my own because no one else wanted to help me so right now I'm dealing with Michigan pro legal team the federal government and the governor of Michigan to give me a stronger defense to fight this Portfolios galaxy.. this is fraud I don't know why it has to be over 22 years for me to realize they put a judgment t the judgment on me. I had to investigate this myself so I am asking you to send XXXX XXXX XXXX and question them and Like before in. XXXX give me the answer of why they did this to XXXXXXXX XXXX. Why did they ruined my life for 22 years. No one stepped in sound like a XXXX XXXX case that I got caught up in. I'm asking portfolios galaxy to take the state lien off my Michigan 's taxes so I can be free and go on with my life ian apology Thank you XXXX XXXX. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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:
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  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 2022-06-22
Company: Commonwealth Health Corporation
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
They put a lien on my property for a debt that I do not owe it is a medical debt through Hillcrest credit agency Tennessee and Kentucky I had for medical Medicare and Medicaid at the time of services the receptionist in the doctors office build it wrong I was not informed and now there are five or six liens against my property Ive called them and they will not negotiate or Remove the debt I do not notice I had for medical services were rendered

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dear Administrator, Today ( XX/XX/2022 ) I try to open an checking account in usbank followed the following page : XXXXXXXX XXXX XXXXXXXX # XXXX After I filled and submit all personal sensitive information, then application is denied. 
Application ID : XXXX I called the customer service, asked why my application is denied, I was told because I live in XXXX XXXX, no branch in XXXX XXXX. 

Why they don't tell customer this offer just for people living in some area? 
I called the bank again, request talked to their supervisor, the supervisor said sorry, will ask programmer make change. 

It's unfair, they already knew the " offer '' is limit, why they don't tell customer at the beginning? 

It's cheating! Absolutely cheating! They want to collect person 's information, so they put a fake advertisement. 


Any help for protection customer is greatly appreciated! 

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 2022-06-22
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: Was not notified of investigation status or results

Complaint:
" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase offers a promotion with XXXX that offers a {$10.00} credit per XXXX if a XXXX purchase is made. I received such a credit on XX/XX/2022, then after my XX/XX/XXXX statement closing date, I called Chase to ask whether these credits reset based on statement cycles or calendar XXXX.I was told they reset based on statement dates so that I was therefore again eligible for a credit. Based on that information I made another XXXX purchase on XX/XX/2022, but did not receive the credit. I inquired to Chase and was now told the credits are based on calendar XXXX and they would not honor the promise the previous rep had made nor make it right. When I called a XXXX time I was again told its based on statement dates, then when I escalated they went back to saying calendar XXXX and again that they would not make it right for me. Very frustrating and an extremely poor customer experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
By using my social security number and some information about me, they were able to get through the Citi bank phone system and open an authorized user under my card. This was all done without contacting me directly and the bad actor was able to use the same system to change my phone number and the email on my account. All while presumably unable to enter my security word

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act XXXX  account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a. 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 a account without my written instructions.

15 USC 1666 b : 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 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 2022-08-21
Company: Experian Information Solutions 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:
I submitted dispute 3 times for Experian to verify this account for accuracy and even have a pending complaint the CFPB but the account came back verfiied 2-3 days after the complaint submitted but not showing updated w/ the CFPB .. Experian did not look into my dispute nothing Per the FCRA i have the right to complete investigation and Experian did not do that The following account was charged on XX/XX/XXXX but Experian continues to report charge off every month which this is an update on my payment history from my understanding a charge off account is a dead account and should not have a active payment history Experian has failed to fix this issue " per there response This item remained unchanged from our processing of your dispute in 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 explanation
Consumer complaint received 2022-06-22
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account listed on the pdf attach, 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 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 2022-08-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I spoke with a representative on XX/XX/2022 regarding my credit profile which contain address that I was not familiar with I instructed the representative that the other address did not belong to me after which I found I was unable to pull an updated credit report I call back spoke with multiple representatives that claimed to have fixed the issue however it did not to my understanding the rep I spoke with on XX/XX/2022 not only removed the addresses that did not belong to me but also my physical address since then I have been unsuccessful at obtaining credit as it come back I have no credit file

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 2022-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance 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. 
XXXX Account listed on the pdf attach, 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