BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX 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 non-monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXXr XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX/XXXXXXXX

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 2023-03-22
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXXXXXX Date Opened XXXX XXXX  Balance : {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
At XXXX today ( central time ) I got the fourth notice of the following : BofA Security : Debit card ending in XXXX was declined because the CVV was entered incorrectly. Please try again. Reply STOP to end texts. 
From XXXX Instead of opening their link, I contacted my bank, checked to make sure all the links were correct ; attempted to order a new card, then called the number XXXX And spoke to a man named XXXX. 
He sent three texts to various my phone account, but none went through.

He then told me this was a fake number and to get a hold of the fcc.gov to report This is that report.

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 2023-03-28
Company: Rent Recovery Solutions
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ended a contract with XXXX on XXXX in XX/XX/2022. I paid all fees, moved out XX/XX/2022, and returned keys XX/XX/2022. A ledger was printed with a refund of {$3.00} that was owed to me and was supposed to be sent in the mail. This was printed XX/XX/2022. Two months ago, I recently been getting harrased by a rent company called Rent Recovery Solutions saying they are collecting a debt for {$6600.00}. This has drastically effected my credit score causing my credit to go from XXXX to XXXX once it was reported to all three bureaus. I am currently in the process of buying a home and it has put me on hold due to this issue. I have no business with Rent Recovery Solutions and I have NEVER had a collection on any of my credit reports until now. I am extremely mad about this issue. When I tried to contact the company they informed me to call corporate and corporate informed me the debt had already been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting ActXXXX XXXX XXXX XXXXXXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws.

from ; tarra renae mcelmore ... thank
youSomeone needs to hold them accountable for this ALL THESE ACCOUNT NEED TO BR REMOVED IMMEDIATELY WITH IN 14 TO 30 DAYS MAX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Aqua Finance, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a consumer installment loan from Aqua Finance, LLC which required that I make payments online through a website they established. Without any advance notice or warning sometime between the time I made my XXXX payment and my attempt to make my XXXX payment, the company suspended the website and I was unable to access my account. I made effort to locate a different website for the same company but was denied access stating that my account information did not exist. Repeated attempts to telephone in to the company, were unsuccessful. Subsequently I have had my account placed in collection. The company has not made it possible for me to resume making payments or accept payments despite their having suspended the only method of making payments to begin with without any advance notice or alternate options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Affirm Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I used Affirm to purchase items from XXXX and XXXX. Theys ere both returned and credited to the -original form of payment, Affirm. I had to send the credit recipes to Affirm six times because the kept losing the emails, so they say. I also included both the XXXX and XXXX return policies where it states that credit is issued to the original form of payment. Affirm refuses to credit me back, Affirm told me I did not need to pay the balances, which were minimal, {$40.00} for XXXX and {$29.00} for XXXX because they ere under dispute, everything else was paid by me to Affirm. Affirm never corrected this I paid the balances even though I did not need to, I have a XXXX balance with Affirm and they still refuse to correct this. I have everything documented and will be happy to send it to your email address upon request. I can not attach the email string as a document ; however I can forward the many, many emails to you if there is an email to do that. Please advise. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I got scamed twice the first cost me {$720.00} although the metchant said that they will return my money then after that cannit be contacted no more so i file a dispute bank is not helping me at all they said case is close because i authorized it, of course i did but then no car transmission was not delivered, the second one also a transmission order for the same car the form of payment is XXXX and wire transfer i tried disputing also but then they close the case again like the first one, their reason is the money already been delivered but they should investigate where the money ends to the receiving banks, it seems like they are helping scammers to collect money it doesnt help me at all. Please see attach supporting receipts. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Spring Oaks Capital, LLC
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:
After checking my most recent consumer report, I noticed you are furnishing accounts that violates my Fair Credit Reporting Act rights that Congress gave me as a consumer. The reporting of this account has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit obligations for personal purposes. Ultimately your negligence has damaged my livelihood and my ability to grow in life using credit. 

A charge off is a severely delinquent account that the original company decided to not collect on any more due to their company reasons. The FCRA law I break down literally explains that a Charge off, which is a severely delinquent account aka a transaction, is not included in the consumer report! And by it reporting to my consumer report its a violation its illegal because crime at a federal level is illegal and violations to my FCRA rights are Federal Crimes! 


15 U.S. Code 1681a Definitions ; Rules of Construction, ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


Transactions or experiences are not included in the consumer report yet this charge off is on my consumer report. A charge off is a severely delinquent payment. A delinquent payment is a form TRANSACTIONS. This charge off reporting to my consumer report is an EXPERIENCE between myself and XXXX XXXX. 

You are HEREBY put on NOTICE that you are furnishing inaccurate information. 
XXXX XXXX XXXX ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report. 

15 USC 1681b- Permissible Purpose of consumer reports- ( 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 instructions of the consumer to whom it relates. 

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT In conclusion, I have shown you and put you on notice that you are in CLEAR VIOLATION of the FAIR CREDIT REPORTING ACT. 

DELETE THE ACCOUNTS REFERENCED ABOVE FROM MY CONSUMER REPORTS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EOS Holdings, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023. I called to settle a debt with a company named EOS CCA. They bought a collection from XXXX and XXXX XXXX. I paid {$1300.00} and {$760.00}. I was told that they would remove the collection from my report since the debt had been paid off. I was provided documentation stating it was settled in full and paid. I disputed the items multiple times and every time the results came back it would say nothing was settled and the results haven't changed. I have reached out to EOS CCA and informed them on this and they said it should've been settled since I paid them. Given the nature I also had another company reach out to me saying that they owned the debt that I had already paid EOS CCA. I had to send them documentation proving the debt was settled. I need to know why it keeps coming back as nothing has changed and that I still have this debt if it has been paid and there is documentation proving the settled debt. It is absolutely tiring that this continues to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
2019 I spoke with a representative that persuaded me into enrolling in Freedom Debt Relief ( FDR ) program for my XXXX cc and loan debt. The rep failed to inform me at the time of enrollment that one deposit modification could cause a settlement to fall off back into negation or null. He did not explain so that I would understand the ramifications of a small modification in deposit. Once there was a modification, FDR took more than XXXX in fees with no settlement outcome. They saved themselves by making a payment and then took thousands from me. They misled me and persuaded me into signing up for a program with the talk of getting out of debt in 3 years for half the price. They did not inform me in a understandable and clear way about their huge fees and the consequences of deposit modifications. They misled me and took advantage of my uneducated understanding of the Debt settlement industry. I was vulnable and desperate at the time and I felt like they took advantage of me, making me fall more into Debt and in a worse financial situation than before.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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'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 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 2023-03-03
Company: Experian Information Solutions 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-10-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a letter in the mail from Chase Bank requesting more information for the credit card that I supposedly applied for. This account was opened on XX/XX/XXXX by somebody.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, and 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

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 2023-10-13
Company: CBA of GA, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They bought a credit and never sent anything to me. I never owed the company they bought the debt from. XXXX of the same ones but different amounts.

Company response to consumer: Closed with explanation