BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: LEXISNEXIS
State: WI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Starting in mid XXXX I have been in contact with LVNV Funding a collections agency that has been furnishing negative information to the credit bureaus in regards to an alleged debt that they now hold for collection. On XX/XX/2022 by way of certified mail I gave notice to LVNV Funding that the response provided from the agency did not meet the criteria to validate a legal agreement with them regarding the account they claim I am in debt to them for. 
After a number of days and upon disputing the negative information, LVNV apparently agreed to remove the negative information, XXXX reflected the account as removed at which point I also disputied they negative information with XXXX based on the the deleted negative information/account via XXXX. The account in question is nolonger present via XXXX, but has been resubmitted for reporting a number of times since mid XXXX by LVNV ... to XXXX and XXXX. I have contacted the collection agency more than 3 times placing them on notice of there illegal practices as they have continued to provide false reports to the bureaus. In the most recent communication I have placed LVNV on notice that I will pursue relief for each month that they have reported such negative information since the account has been deleted in an attempt to alleviate this illegal pursuit on there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
PNC Bank closed my checking account on XX/XX/2022 as per my request, but my saving {$43000.00} has not been returned to me. I emailed the bank 's case manager on XX/XX/XXXX. The case manager called me the next day, confirmed the check was mailed out and suggested me waiting for another month. But, the check never came. I emailed her again on XX/XX/XXXX and XX/XX/XXXX. She did not reply. So I mailed a letter to Customer Service at XXXX on XX/XX/XXXX. The bank never replied my letter in writing, but the case manager called me on XX/XX/XXXX and XX/XX/XXXX. She told me I needed to fill an application form due to the big amount on the check. Why did she not tell me the first time the form was required? I doubt about the check had ever mailed. OK, I requested her to email me the form. She said she was unable to do that because of the company 's policy. She was not allowed to reply customer 's email. It sounds so weird. I have her email address because she emailed me before. OK, I did not insisted on that. She said she mailed me the form. Normally it took 7 days to arrive. Today is XX/XX/XXXX. 27 days has gone. I have not received the form yet. I am very disappointed. I am submitting this complaint and looking forward for a resolution. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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 a follow up CFPB Complaint to my previous CFPB Complaint I submitted requesting the deletion of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b. I am protected by the Federal law form erroneous reporting and you are required by law to remove any accounts and information off of my Credit File. Please comply with law and have the disputed accounts and information removed as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$2000.00}. You have not sent me any copy of proof of verification supporting your claims that the disputed accounts belong to me. Without these documents, immediate deletion of the disputed items is to be expected.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-04
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a past due date collection on my account from Jefferson Capital System, ( XXXX XXXX ) for the amount of {$86.00}, as of XX/XX/2023. I have already paid this collection last summer when I received an offer to resolve the account with a lump sum payment of {$47.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have 3 JPMorgan Chase credit cards, all of which I pay on time. JPMorgan gave me a very high credit limit on each card. I have always paid them on time and all of the interest they charge. Right before I moved to XXXX, NY, Chase intentionally decreased my credit limits and caused cards to be near or over the balance for no reason at all. This caused by credit score to drop to a point where I can not get an apartment. They also would not let me use my card to make small political donations to the Democratic Party. I want them to fix their intentional misconduct that is preventing me from getting housing. They also won't refund a charge that was fraudulent and lie to me over the phone about it. JPMorgan also has a ton of fake student loan accounts. Take action against JPMorgan and demand they reverse their retaliatory conduct so I can get an apartment. I don't want to use their cards, but they need to fix the credit limit and adjust it to where it was so my credit score accurately reflects my credit worthiness rather than having it drop a ton and prevent me from getting housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: ALLY FINANCIAL INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX, this company has been informed to not contact me multiple times, continues to call and harass me about a debt involving a family member.

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 2023-04-27
Company: Self Financial Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I enrolled in the program Self about two years ago because I was trying to build my credit. I do make my monthly " credit builder '' payments on time each month. I am being charged an additional XXXX $ for a Self Cred Card that I never received in the mail, never activated it or used it before, therefore I have never paid on a Credit Card that I have never received or used. It is my understanding that they reported this to the Credit Bureau in the beginning of XXXX and I am trying to dispute this off of my credit as this is not my fault and I am trying to get a Mortgage, which this caused a huge damage in my credit score. I did try calling the company and the guy seemed to not understand anything I was talking about or asking and at the end of the call told me there was nothing they could do to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: AR
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block anyitems which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX XXXX {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate , correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Wells Fargo Bank is yet to answer to my facts in which I been presenting over and over a note doesn't constitute a LOAN, A Mortgage is the collateral pledged for the loan please show me the PURCHASE MONEY LOAN CASH ADVANCE that Wells Fargo Bank provided to me to purchase XXXX XXXX XXXX XXXX NY XXXX WET INK! XXXX please stop conducting fraud on my Full Faith In Credit. I don't understand why the CFPB keep turning a blind eye to the facts instead of doing there job, Wells Fargo isn't a bank it's a FDIC member created for insurance purposes in stability of the central, it is not a federal reserve bank so why is this fraud allowed to continue.

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 2023-04-27
Company: EQUIFAX, INC.
State: MO
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 reached out to Equifax via written letter on XX/XX/, to dispute accounts reporting on my credit report that do not belong to me. As of XX/XX/XXXX, I had yet to receive any correspondence in regards to the dispute I submitted over 30 days ago. At that time I sent another correspondence via mail demanding that Equifax comply with my request to investigate the incorrect items or delete them permanently. As of XX/XX/, I still have yet to receive any information in regards to my dispute or that an investigation has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2023-02-04
Company: EQUIFAX, INC.
State: NJ
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 2023-04-27
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/ around XXXX XXXX I received three text messages that stated someone was trying to attempt to XXXX themselves {$800.00}. I received these text what I thought was from Navy Federal Credit Union. I gave up personal information over a what was an hour phone call because their end kept hanging up. The phone number that called me was XXXX and when I looked up that number it said it was NFCUs Fraud/Scam line so it gave me more reason to believe it was legit. I gave my social security, icloud login, name, and much more but I kept receiving texts that there was suspicious activities still going on with my account. I called NFCU two times before I went into the bank because they told me I would have to come in. From there I learned that my account was highly compromised and they took out a {$13000.00} loan in my name and pocket about {$8000.00}. I believe a XXXX XXXX XXXX from XXXX, GA was the one who scammed me because after my XXXX was compromised, his pictures was saved to my phone. I did a little research and I seen that he has been scamming since he got out of high school or even during high school. I have built up the evidence to help me support the idea that it was him. He went to XXXX  for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: DigniFi
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
An account was opened fraudulently onXX/XX/XXXX with my information. I became aware of this in XX/XX/XXXX and informed Dignifi, I then received a packet to send them materials to dispute fraud. I did this in XX/XX/XXXX, I also hired a fraud protection company that also sent those same documents in XXXX XXXX 
The credit bureaus concluded after their investigation that this account was fraudulent and removed it from their records. 
However, even after nearly 60 days Dignifi continues to refuse to close this fraudulent account in my name. 
Everytime I call they appear to have no knowledge of the case, and there is no way to contact a fraud department, even though they had stated previously they received my documents. ( including in a previous complaint lodged here ).

Company response to consumer: Closed with non-monetary relief