BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
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: Public record information inaccurate

Complaint:
I am currently in school at XXXX for a XXXX program. I started in the XXXX term of XXXX I was able to get financial aid for the XXXX term XXXX. However, now for the XXXX XXXX there seem to be a fraudulent bankruptcy that has placed on the account. 
My loans were recently transferred from XXXX advantage to XXXX. 
I have never had any documents or emails about this status sent to me prior to the bankruptcy being placed on my account. I have only found out after the bankruptcy has been placed on the account. 
How I found out about the bankruptcy : I had applied to more than XXXX school, upon checking the status for the summer term for Florida XXXX XXXX XXXX, for the Spring term XXXX I was awarded financial aid. I did not accept as I decided to go to XXXX. Upon checking my financial aid account, it shows that the loans are in bankruptcy. 
The issue : I have never filed for bankruptcy, so I believe this is a huge error. Also, by good credit of almost XXXX not too long ago will most likely be impacted severely. In addition, I am only able to continue going to school on a grade plus loan which is contingent on credit. 
I am usure the basis for the bankruptcy being placed on the account. I have tried calling several times and I am placed on hold for more than an hour each time with no resolution. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) In addition to not ever being in bankruptcy, I have had no chance to rectify the situation prior to the bankruptcy being placed on my account. I have had no emails or any correspondence stating this would happen prior to the bankruptcy happening. I also can not get anyone on the phone at XXXX to help me with this matter. In addition, I am currently in school in my XXXX week for the summer with pending financial aid to pay for my semester. 
This is very negligent on the servicers part. They need to ensure they are properly reporting correct information, and if it is incorrect, they need to fix this immediately. They should fix the issue with the credit reporting agencies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: TN
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 inaccurately. 

XXXX XXXX is in accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: U.S. BANCORP
State: IA
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 a working replacement card

Complaint:
I was given a gift card issued by U.S bank National Association for XXXX. Card was purchased from a XXXX XXXX XXXX in Arizona. When I tired to use the card it was declined, I went online to XXXX and tried to register my card in case that was the problem and was prompted to call customer service. I called XXXX and was told my card had been compromised and I would be issued a new card. I needed to fax in receipt, my license, phone number, best time to call and a letter stating I was the owner of the card. And that I would need to call 5 business days after I sent the fax and check on the status in order for them to reissue the card. I called a week or so later and struggled to get on the phone with anyone several times. When I was able to speak to a representative I was told that the information I sent in was invalid, that my purchase receipt was actually a purchase or receipt of transaction. The proof of purchase I sent in was a digital receipt. I asked why my prof of purchase was deemed invalid and was not given an information when I asked to speak to a supervisor I was hung up on, after being told a supervisor was not available. I called back and spoke to another representative that directed me to an online portal where I just needed to resubmit my license and card number. I was told that my receipt was actually valid and after resubmitting some information I would be reissued a card and call back in five more business days. I called back tand was told that the issue was being escalated to another department and I will receive a call in five business days. I have not received a call and have no been able to get a card reissued. The customer service has been incredibly unhelpful.

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 monetary relief
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good afternoon, I mailed my landlord a check, # XXXX, in the amount of XXXX in XXXX. This was cashed XX/XX/XXXX. This check was stolen from the mail and fraudulent cashed. I have been in contact with my bank CAPITAL ONE, FOR THE PAST TWO MONTHS. This unfortunate engagement of them commenced on XX/XX/23. I have spoken to NINE customer Service reps, one manager and one Supervisor. NO ONE has been able to resolve my issue, yet shuffled me from person to person. In the past two weeks, I have been LIED TO and told all I needed to do was fill out an Affidavit and submit to the investigator in order to be reimbursed my funds. The manger I spoke to ID number is XXXX and most recently the supervisor I spoke to is named XXXX. They READILY ADMITTED that it was Fraud yet they state the investigator has closed the case and is not seeking any info from me suggesting I was scammed. I WAS NOT SCAMMED. THIS WAS MONEY MUCH NEEDED TO PAY MY RENT THAT WAS STOLEN FROM ME AND MY FAMILY. This has been an EXTREMELY FRUSTRATING, ANGERING, DEMORIALIZING experience clearly exhibiting CAPITAL ONES LACK of concern or care for their customers and their families. I have been a longtime, good customer with a sizeable checking account yet they have shown that means nothing to them. THEY HAVE CAUSED UNDUE STRESS on me and my family, all of which undeserved and indicative of an intuition whose action, and lack thereof, has, at this point, shown them to be self serving. My case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: NC
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 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 non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: NY
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:
Thank you for your response to my CFPB complaint in regards to XXXX XXXX  XXXX late payment ( s ). Complaint ID XXXX 15 USC 1681i- Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information Please provide evidence of your reasonable procedures that you used to come to such a conclusions that this information is verified. Who did you talk to? When did you talk to them? Give me the name of the person and telephone number you used and what address did you contact. How was the information I provided used in your investigation? Please provide ALL documentary evidence. Any creditor, lender that is furnishing my information to a consumer reporting agency must have signed disclosures on file from me giving them permission to report. Please provide me with a copy of all procedures use so I can start my administrative process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Yes, on or about XX/XX/XXXX, I had visited our local Best-Buy Store and had attempted to use my Best-Buy credit-card which wasn't working, which had prompted an immediate concern and embarrassment, which multiple attempts were made to either swipe or use the card. That further I was wearing my Veteran 's cap, which was yet another insult or slap in the face to us Veterans. This had prompted such a concern if my last payment had been received..., which Customer Service that we had called after using alternate tender to make our purchase had indicated ( plus automated system ) that the payment was received timely on XX/XX/XXXX, however that there was a " hold on the account '', due to the amount of the payment. i.e. that we were being penalized for paying the account off, etc. which said account has never had an NSF and were operating within the credit limit issued and open since XXXX. This creditor 's actions ( Citibank, NA ) were egregious and appearing of discriminatory as the hold placed was unsubstantiated and appears that this lender was placing us in a " pool '' of other customers?!?! Thus we were greatly inconvenienced and were left scrambling for answers following these events, that they didn't even advise us that there was or would be any hold. Wherefore, we're seeking reimbursement for the amount of our purchase that we were forced to use alternate tender for in the amount of {$55.00} which was and is a nominal customary purchase per our account with this lender.

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 2023-08-07
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
Chase , Inc., refuses to remove a reported late payment for unauthorized transactions that, were not only removed, but acknowledged that they failed to inform me in time. The merchant responsible for the unauthorized transactions has put in writing that they mistakenly charged the card and reached out to the bank to try to reverse them prior to the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Declare Under Penalty Of Perjury ( under the law of the United States, If Executed Outside Of The United States ) that the foregoing is true and correct to the best of my knowledge Further, I Certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a federal criminal violation punishable under 18 U.S. C 1001, Additionally these misstatements are punishable as perjury under 18 U.S.C 1621. This Collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money and was successful creating some accounts. All is being investigated by the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made withoutmy consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of Inquiry : XX/XX/2023. XXXX The inquiries was not authorized from XXXX XXXX XXXX XXXX XXXX  different inquiries from same company Date of Inquiries : XX/XX/2023 Please remove it from my credit report. XXXX. This account should not be reporting on my credit report XXXX ( account number XXXX ). Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This complaint is equally directed at XXXX XXXX XXXX, XXXX reporting agency, and XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights. 
Under 15 USC SEC.602 ( a ) states I have a right to privacy.

15 USC 1681 SEC.604 ) A ) Also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-06-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 have reported accounts on my report that were fraudulent. XXXX, XXXX and transunion failed to removed accounts after being provided proof that the accounts did not belong to me.

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 2023-06-04
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:
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A ( 2 ) States a consumer reporting agency can not furnish an account without me written instructions 15 U.S.C 1692C States 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 After getting a print out of my credit report I started doing research on what laws I have as a consumer and based on the FCRA laws I have been violated. 
I get calls daily from XXXX XXXX and I receive a whole mailbox full of mail. 
I get calls from XXXX XXXX as well, almost daily! When I receive the calls I can barely even understand what they are saying. The mail has been seen by my neighbors and it is embarrassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: AZ
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 XXXXXXXX XXXX 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 XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief