BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My rights have been violated in relation to an account on my credit report. 
CAINE & WEINER XXXX Have you heard of 15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted.

15 U.S.C 1681 Section 602 A - I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
JP Morgan Chase Bank Dear Sir/Madam : I am writing to you in connection claim # XXXX regarding to my XX/XX/XXXX debit card transaction in the amount of {$15000.00} USD to XXXX XXXX. I am filing my claim for a refund under the Visa Chargeback Scheme rules against XXXX XXXX - a binary options broker for the breach of contract ; XXXX XXXX failed to deliver services as promised per conversation with their director - XXXX XXXX and as stated on their website. My husband ( XXXX XXXX ) and I opened the account with XXXX XXXX with the promises that we can withdrawal our deposits in three months once we elevated our account to Diamond status that we will had a dedicated manager and expedite withdrawal. We were n't able to withdrawal our funds upon request and our dedicated manager stopped calling us in XX/XX/XXXX of XX/XX/XXXX and our online trading account were locked out. XXXX XXXX is breach of contract upon the failure to deliver services after XX/XX/XXXX and the actions taken to lock our account with a balance of {$71000.00} USD. Therefore, we are filing the refund under the Visa Chargeback Scheme rules which afford us 540 days from the date we initially sent the money ( XX/XX/XXXX ). I 've attached all documents and communications as part of the this chargeback process. This includes the payment processor platform that is complicit in this scam. XXXX XXXX XXXX is the name on the payment but it 's XXXX XXXX that handles all of the payment transactions. The contact person is XXXX XXXX. Please feel free to contact me at XXXX. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 non-monetary relief
Consumer complaint received 2023-01-02
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:
I have been trying to resolve XXXX items showing on my credit report since XXXXXXXX XXXX XXXX I have written to all XXXX credit bureaus asking for verification of these accounts. I have no recollection of either one. I have not received any type of communication in regards to my request. I have sent XXXX letters regarding these accounts. I know they have 30 days to respond but it has been over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I had a prepaid card with Cash App ( XXXX bank ) for which I had to dispute a purchase because of goods not being as described. This is a legitimate reason to dispute a purchase, but Cash App referred to it as a violation and deactivated the card, making it impossible to use the money loaded onto it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are not mine Some had used my information without my knowledge to initiate these accounts. and it affects my finances. I have tried to work with bureaus to resolve this issue to no avail, with limited correspondence, and not in timely manner.

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 2023-02-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX has violated my rights. 

15 U.S.C 1681 604 Section A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This complaint is regarding the XXXX XXXX account number XXXX, Original Creditor : Nordstrom Card Services, Current Balance {$10000.00}. 

Today, XX/XX/2022, at XXXX XXXX XXXX I received a call with a caller ID XXXX XXXX XXXX 

Since I am a XXXX XXXX, I thought it was from my school and answered. 

When I answered, the representative said she would like to speak with me. 
I thought something was very odd, and I asked, where is this call from? 
Then, the representative said, It is a debt collector, calling from XXXX XXXX. 
I was stunned. 

Also, when I asked why your caller ID showed that you appeared as XXXX XXXX XXXX the lady told me, Because you are a XXXX XXXX we wanted to work with you and help you. 
I was speechless. 

When I previously contacted via a chat through XXXX XXXX website regarding any settlement options available, I disclosed that I am a XXXX XXXX to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me. 

However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable. 

Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from XXXX XXXX today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse. 

I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Idaho Housing And Finance Association
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Idaho housing and financial FHA mortgage company XX/XX/21 Amount of {$1400.00} marked late Idaho housing has refused to remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are 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 2023-01-03
Company: Experian Information Solutions Inc.
State: GA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-01-03
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-09-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited XXXX good checks from XXXX into my citi saving account. 
Citi scanner is not right, and returned XXXX checks as bad checks. 
I spent a lot of time and talked the XXXX who paid me, and XXXX, and confoirmed both are good checks. 
I chatted citi, and chat asked me to deposit at a local citi bank. I went there, the local office called XXXX XXXXXXXX with me and confirmed they are good checks. 
so we deposited again. 

XXXX : Citi cashed one check and returned another with {$2.00} and fined me fee. 
I chatted again, the agent agreed to return the fee and {$2.00} As today {$2.00} was losing, he did not credit as what he told me. 
I chatted again, citi rejected to tell me who I can complaint.

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 2023-01-03
Company: EQUIFAX, INC.
State: CO
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:
The following credit bureaus have VIOLATED MY CONSUMER RIGHTS : XXXX Equifax XXXX XXXX5 U.S.C. 1681 section 602 A States I have a 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. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose All three credit bureaus identify themselves lawfully as consumer reporting agencies according to their website ( XXXX ) I was told several times by XXXX and other bureaus that they will refuse to remove information from my credit report because " I haven't verified my identity ''. I have already sent them numerous complaints with my correct information such as my social, mailing address from my banking statement, and government ID as well. 

I have reported this information that is invalid on my credit file the bureau has not been able to provide me with a copy of the verifiable proof. Telling me as the consumer that information on credit reports is verified without proof of my natural being signature and written instructions is unlawful. The bureaus aren't above the law and must remove the information listed below and the attached docs such as the identity theft report. 


Additionally, the failure to respond with a free copy of my report after the changes have been made will result in the damages created by the following bureaus ; XXXX, XXXX, Equifax The following damages will be taken to civil court on XXXX 2023 in XXXX XXXX if, monetary relief isn't given for the following damages : XXXX ) Defamation of Character XXXX ) Negligent Infliction of Emotional Distress XXXX ) Violation of XXXX U.S.C. XXXX Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 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. 

XXXX XXXX XXXX states that I'm entitled to {$1000.00} per violation Each credit reporting agency owes me monetary relief of {$5000.00} in remedy Invalid credit inquires 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: GA
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 second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 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 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 2022-08-03
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:
Account XXXX on my Experian Report is being reported improperly. I provided a dispute request notice to XXXX informing them to no longer report any of my transaction information which is prohibited under Federal U.S Code. My student loan account XXXX contains transaction information in the report. Experian grave duty is to protect my rights as a consumer to protect my rights to privacy but has not by their continuance to report account XXXX that contains prohibited information. I have enclosed a copy of notice provided to 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 2022-09-12
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 ordered a copy of my latest report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my disputed items in my credit report. As of todays date, XXXX and Experian has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed items below for 100 % accuracy : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$330.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX  XXXX XXXX Balance Owed : {$5.00} XXXX XXXX  XXXX Balance Owed : {$2.00}

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2022-08-24
Company: Experian Information Solutions Inc.
State: IL
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 accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2023-01-15
Company: EQUIFAX, INC.
State: SC
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 15USC 1681. 

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 XXXXXXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 record 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