BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: OH
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 requested in writing that my personal information on my credit reports be updated as it has erroneous names, phone numbers, addresses & employer. 

I also contacted the credit bureaus and the companies that I did NOT authorize to pull a hard credit report and requested that they remove them from my report. They told me that they would remove them and they have NOT. I would like an investigation as you will not find any authorization by me with my wet signature on it for these following companies to pull hard reports. If they are not able to provide that, I am requesting an investigation. My legal name is XXXX XXXX XXXX and I would like that to be reflected on my credit files please. 

The following are erroneous names that I would like removed from my credit files : These have never been my names. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX The following are erroneous addresses.and I would like them removed from my credit file These have never been my addresses. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized hard inquires : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never authorized the the above companies to pull hard credit inquires on my credit files . I would like these investigated and you will see that there is not any authorization by myself with a wet signature.

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 2022-09-20
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have had a checking and savings accounts for years with chase. I went to a drive through ATM Chase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch. I tried to withdraw {$700.00} dollars. Everything went well until point where machine sound of counting money appeared a message on screen stating unable to give you cash at this moment. I stayed there a few minutes, logged in into my phone Chase mobile app and saw that - {$700.00} transaction followed immediately by {$700.00} credit which I thought had fixed the issue. Went around and used the ATM next to it and was abled to withdraw {$500.00} with no problem. Days later I saw - {$700.00} and called them. They opened an investigation and gave me {$700.00} credit back. Then today I checked again and saw a - {$700.00}. They took away the credit and so I called them again. They hung up after 25 mins and I called again then they stated the investigation was not on my favor and it was closed and if I didn't have probe don't even bother and investigation could not be reopened. I asked them they have access to my accounts, they have access to the ATM cameras and the rudely stated it was closed and money was missing so I was responsible for that. I am extremely shocked, I feel robbed and me being a loyal customer for so many years and they are okay with taking my money when obviously there are ways to probe money was never given to me by the ATM. Each ATM has cameras and they are refusing to help me. 
Please I need help and guidance, I don't know what else to do. I am a mother of XXXX and every penny counts for me and mi little ones.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-06
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Prince Parker & Associates did not properly inform me of the debt to be collected. They did not verify the alleged debt. Also, as of XX/XX/2022, they withdrew their bond and application to collect debt in XXXX There is also a rejected filing for the company on the State of XXXX Division of Corporations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
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 am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The prolonged delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the extended delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your immediate assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXX Balance : {$59.00} XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Original Creditor XXXX XXXX XXXX  XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$660.00} Original Creditor XXXX XXXX XXXX  XXXX Balance {$130.00} XXXX XXXX XXXX , XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2022-07-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I currently have a student loan in the amount of almost {$17000.00} my original loan amount was around XXXX to XXXX the student loan is currently 13 years old and even during covid and deferment the student loan continued to appear on my credit report which has hindered me in many ways from receiving financial help with different agencies currently right now all student loans are in deferment until the end of XXXX of 2022 and every month I'm getting a new updates of my student loan being posted to my credit report which have lowered my credit score tremendously at this current moment I am facing a financial hardship with loss of employment recently denied unemployment supposed to receive child support payments haven't received any in years income currently at XXXX unable to make payment arrangements even though the loan should still be in deferment and not appearing on my credit report much less being posted to my credit report twice a month which continues to decrease my credit score I would like to receive a failed resolution as to what services are provided to me as a single mother of XXXX children recently laid off from work and currently has no income I would like help with a resolution rather than continuing to deal with the student loan posting things on my credit report which is making things even harder for me to move forward with obtaining employment a place to live and etc due to my credit score continuing to degrees because of the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX we submitted a dispute to USAA for a charge that was made on XX/XX/XXXX in the amount of {$1300.00} to XXXX XXXX XXXX XXXX for services and the creation of an E-commerce  website. On XX/XX/XXXX we were sent a letter by USAA requesting additional information to better investigate the dispute. We sent the email correspondence between XXXX XXXX XXXX XXXX and us. We also sent dates and screenshots of the proposed E-commerce website that was not finished and the evidence of missing information, lack of prices for dresses and lack of contact information on the website. USAA presented us with a temporary credit for the amount we had paid to XXXX XXXX XXXX XXXX while the investigation was pending. On XX/XX/XXXX we were sent a notice stating that after thorough investigation of the documents sent to them by us and XXXX XXXX XXXX XXXX, they saw no errors and were going to reverse the temporary credit of {$1300.00} putting my family in a deficit for paying our mortgage and living expenses. We were livid to see that while the dispute was being investigated, XXXX XXXX XXXX XXXX had added material to the E-commerce site to make it look like the website was completed and fully functional. The reality is that when we went on the E-commerce site thinking that it ad indeed been fixed, we could not purchase dresses the contact information was still wrong and when we investigated the drop down links on the home page the text was in " gibberish '' text. There were no links to process orders, there were no shipping information options, and there was no method of verification that an order was even placed. The dresses displayed had no prices or information if they were even in stock and when we tried adding a dress to the cart it indicated the total for the dress was {$0.00}. The website and services we paid XXXX XXXX XXXX XXXX were not completed and we do not see how the USAA dispute department could have stated that there were no errors on the E-commerce website. We believe the dispute department did not fully access the E-commerce site and thoroughly investigate the functionality of the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent all 3 credit bureaus My FTC REPORT, I.D, SS, And utility bill as well as a cover letter explaining the unauthorized inquiries and fraudulent account that are reporting to all 3 credit bureaus. They still have not removed these accounts on my report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 2022-09-20
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 have several hard inquires on my Equifax report that I have no clue where they came from. I have dispieted this information with Equifax over 4 months and no result. I recently submitted and FTC because I do not have any other options when I am lost on these inquires. They have violated my rights to privacy and fairly considering my report during their investigation. 

15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt I did not give anybody written instructions. 

Every account on my FTC report is a HARD INQUIRY that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Chase XXXX card. I booked travel for XXXX of XXXX ( itinerary # XXXX ) through Chase XXXX using points. The total point amount I spent was XXXX which amounts to {$1800.00} in USD. 

I canceled my flights due to XXXX and followed up over the next year to check in on the status of my refund. First, XXXX XXXXXXXX XXXX would only offer a voucher. Then, Chase confirmed they were able to refund the cost of my trip in full to the original form of payment in XXXX ( see attached documentation ). I confirmed with XXXX separately they had processed the refund back to Chase. 

I have called Chase 7-8 times in the last two weeks alone, and been transferred to different individuals who talk to me using the same script. I have been told to wait 72 hours so that they could process my refund. I have waited this arbitrary wait time twice and no amount of money/points has been refunded back to my account. I called again Monday, XX/XX/XXXX and was told to wait 72 hours. I waited that time and tried calling again today, XX/XX/XXXX, and spoke with the XXXX customer service based here in the XXXX. I was told I could only be helped by the XXXX Rewards center or by the travel department even after I mentioned I was interested in closing my accounts. Once transferred, I asked when I could expect to see my refund appear in my account as I have been waiting for months and have been given no ETA. 

I have been hung up on, transferred to other people who work off a script just to stall conversations, and told to wait arbitrary wait times for resolutions that don't come. I just want my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I've tried reaching out to Nelnet about the violations that they committed as far as my rights are concerned, 15 US Code 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, It clearly states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I never received a Form or anything about this company sharing the information that i submitted to them. and I would have thought out of all companies that this company would know not to just report anything on my consumer report. Because 15 US Code 1681 ( a ) ( 2 ) ( Exclusions ) -Things that aren't supposed to be included on a consumer report. Information solely as to transactions or experiences between the consume and the person making the report, this does not include Consumer- is an individual ( Me ), Person- Any individual partnership, corporation, Trust estate , cooperative association , government, or governmental subdivision or agency, or other entity. Experiences & Transactions-Applying for a loan, credit cards, late payments, high utilization, charge off ( s ) collection accounts, Judgements, Repos, Bankruptcy. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer or of a credit card or similar device. You don't have permissible purpose to be on my consumer report by law you have no permissible purpose to contact third parties with my private or personal information 15 USC 1681a speaks on a consumer right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: MI
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 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