BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
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:
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, Account # unknown has violated my rights TN Child Support, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 2022-10-29
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 did not open XXXX XXXX account # XXXX or XXXX XXXX XXXX account # XXXX These are fraudulent accouns I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX and XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
Collection account " XXXX XXXX XXXX '' showed up on my Transunion credit report. This debt is not mine and I know it to be " debt parking ''. I have submitted a dispute with Transunion to remove the fraudulent account from my 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 non-monetary relief
Consumer complaint received 2022-10-29
Company: Experian Information Solutions 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:
I am XXXX XXXX submitting this complaint against Experian Information Solutions , Inc and their is no third party involved. 


As of XXXX, XX/XX/2022 at XXXX XXXX your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXX XXXX Delete all hard inquires & late payments as well

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 2022-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Starting XXXX XXXX, XXXX I started receiving emails saying that I opened an account, which I did not. Then I started receiving paper bank statements with a {$0.00} balance and one with a fee of {$4.00} on XX/XX/XXXX. Today XX/XX/XXXX I have called the bank and after a lengthy hold they say they closed the account. I can't help but be skeptical. I have no idea how the account was started. I have heard of fake accounts being created at XXXX XXXX and XXXX XXXX ( which may have happened to me with XXXX too ), Not sure if it is ID theft or BOA scamming 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 non-monetary relief
Consumer complaint received 2022-10-29
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:
I am a natural person, I am a living human being, I have rights under 15USC 1681 Equifax is govern by 15USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX XXXX XXXX. They did not provide me with the original contract like I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This entity has incorrect information on my report including addresses and phone numbers, reporting incorrect data, allowing inquiries on report that are not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This entity has incorrect information on my report including addresses and phone numbers, reporting incorrect data, allowing inquiries on report that are not authorized by 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
I was unable to pay my account timely due to the COVID 19 pandemic and would like the late payments reported on my credit report removed. Once my business picked up and I was able to secure additional financing, I paid the loan off completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: V and H Portfolio
State: OH
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 did not get any loan from this company. I believe someone used my identity to get the loan. I want this off my credit and resolved since it is affecting my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 sent a letter dated XX/XX/21 from United States Bankruptcy Court XXXX XXXX of Tennessee stating that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as TransUnion, XXXX, and XXXX. Signed by XXXX XXXX XXXX XXXX XXXX several times to all 3 credit bureaus. 
.All have used stall tatics and letters of correspondence not to process or fully process my dispute, Now that I have contacted the source of the court on my own behalf and received notice that they DO NOT have any procedure for reporting, verifying, or removing records with the credit reporting agencies such as TransUnion XXXX XXXX XXXX and XXXX and they are using and retrieving data information from a " third party '' verification system, which my letter of verification has come directly from the source listed on my credit profile. 

Not that I have gone to XXXX XXXX they want to stall the process dispute as well it looks because they are claiming to need " Additional Documents and information to authenticate my identity. So I am attaching proof of identity to promptly process this complaint because it is clearly a violation of 1681 ( a ) ( 5 ) to keep reporting it on my credit profile, considering it does not require an reinvestigation. I would appreciate your response promptly. I should not be still fighting this issue another year later. 
I have attached XXXX or more copies to authenticate my identity to process my 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 non-monetary relief
Consumer complaint received 2023-03-11
Company: TOYOTA MOTOR CREDIT CORPORATION
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 was on XXXX XXXX  and was not able to access the lender web portal for payment, I usually setup Auto Payments on my accounts to avoid missed payments, I did not do so on this account as it was relatively new. Fast forward, unintentionally the payment was missed, when received a certified mail from lender ( I can monitor my USPS account ) I rushed into calling the lender and clear my ledger- this was very expensive call to make. 

I never missed a payment once, this was purely due to IT issues, not fair to see such damage to my credit report which I worked very hard to maintain for access or IT issues. 

Lender : Mazda Financial Service. 
Reported : yes, to most credit bureaus and lender with no fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX I called and requested a Credit Line Increase for my Apple Card from Goldman Sacs. That request was denied for the following reason : " Your XXXX credit report shows you have recently been reported as past due on one or more account ( s ). '' I do not have any " recent '' late payments from my credit report. Last late payment being reported is 5+ years ago thus making this justification false. While still on the phone I attempted to get the reasoning behind this. I was told the issue was escalated to " underwriting '' to get an answer. 

Today, XX/XX/2023, I got a call from Apple Card. The person was calling from their cellphone and engaged in what can only be described as " Stone Walling ''. She refused to provide any information, refused to transfer the call to a Supervisor/Manager ( likely as she was unable to transfer from her cell-phone ) until she hungup on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo has charged the interest rate that was not discussed prior to me opening an account. I purchased a diamond ring with 0 % apr only to find out that they charged me 29.99 % ....

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 2023-02-03
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Technical expert hired through XXXX to remove Malware from company website, after one week and seven billable hours later the issue still remains. By the experts admission was unable to resolve ( see attached documentation ). Request full refund to hire another expert, company website is in critical condition. 

After a month of trying to resolve issue with Paypal they settled the dispute in favor of XXXX, when clearly the work was not done, we hired another company that charged us XXXXusd and was completed in less than one hour

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Chime Financial Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX, I made a dispute complaint with chime because my purse with my cards and phone were stolen. I went through the correct protocol; reporting my cards lost or stolen, made a police report and disputed all charges. 
Chime notified me ton XXXX XXXX that a decision was made and I would be refunded my money no than the XXXX XXXX. Approiamately two days later I logged into my chime app and it stated a split decision was made and I was credited for an XXXX charge. I then notified them asking to speak with their supervisor. I did not understand how one of the charges were found fraudulent, yet the others were not. All of them were made at the same time frame when my purse was stolen. Also a lot of the charges were ( upon my own investigation ) were charges made to subscription I had canceled, and made to XXXX and or XXXX XXXX XXXX. If you can help me Id appreciate it. Chime is supposed to insure you against any fraudulent transactions made and I provided them with the police and all and still they have refused to refund my account.Also in the user agreement it states that a provisional credit would be available to the consumer 14 days after the dispute was filed until they completed their investigation which it was not provided. It was over a thousand dollars in fraudulent charges made and now I can not pay my bills. Thank you again for your time and help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 bankruptcy # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 Must be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To whom it may Concern, I informed the credit reporting agencies that the account XXXX balance {$320.00} account name XXXX  XXXX XXXX is an account that should not be reflecting on my reports because the account has been paid off. I asked that these accounts be verified and unfortunately they have not due to the affect that they still are reflecting on my reports as a collection account. I am asking that these accounts be removed immediately. I have proof that this account was paid XXXX. Also there is another account that needs to be removed from my credit report due to identity theft. The account name is XXXX XXXX XXXX. The account number for this account is XXXX, and the balance on this account is {$2100.00}. I never had this account and this account was not opened with my permission. Please remove as soon as possible. 
Also the only names that should be reflecting on my personal information on all three credit reports is XXXX XXXX XXXX. The only address that I should be affiliated with is XXXX XXXX XXXX XXXX XXXX. The only telephone number that I should be attached to on my credit profiles is XXXX only and the only Employers that should be listed is XXXX XXXX. Please update with all credit reporting agencies. 
Thank You with kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: R & B Corporation of Virginia
State: VA
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:
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. 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. 
This XXXX debt has been satisfied. Also I never owned this debt. This is under XXXX $ also so it should not still be being reported onto my consumer report. 
This reinvestigation has be more than 60days

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Citibank credit card statements do not include the CFPB required minimum payment warning on it. All credit card statements are required to include this warning about how long it will take to pay the balance if you make only the minimum payment and how much interest you will pay.

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 2023-02-03
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from Chase Bank where I have three credit cards on XXXX XXXX. The letter informed me that someone using my name and social security number, tried to obtain a Chase credit card and requested whether I filed an application for a Chase credit card. I was stunned and immediately called Chase and informed them that I did not file an application for a new credit card. Apparently someone used my name and social security number to obtain a credit card. I have also filed a police report with the XXXX XXXX, Rhode Island police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid by my insurance company. I dont owe this bill. I disputed this before and it was XXXX we from my file then sold to another collection agency

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