BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase sent a letter on XX/XX/2022, indicating that they will close my account on XX/XX/2022 because of your association with another account previously closed. I called them and they didn't provide any more information about the decision. I think they made this decision because of my nationality XXXX XXXX XXXX. Therefore, I believe this is discrimination against my nationality.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Hey I open a bank with citi bank on XX/XX/XXXX and I got my second check from my job and I did mobile deposit on XX/XX/XXXX they told me I have to wait 1 business for the check to clear and my check still didn't clear so I called to XX/XX/XXXX check still didn't clear at all and they telling me I have to wait for next month idk why this is un professional

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance to the fair credit reporting act CAPITAL ONE # XXXX Capital one # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX capital # XXXX accounts 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 : States A consumer reporting agency can not furnish an Account without my written consent 15 U.S.C 1666B : States A creditor Can not treat a payment under a credit card account, Under an open in consumer credit plan as late for any purpose. 

Please delete these accounts immediately this has detrimentally impacted my XXXX score for years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2023 Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten verbal and non-verbal permission 15 USC 6802.

Per the privacy act of 1974, as amended 5 USC 552a The privacy act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

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 2023-11-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 XXXX : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX Reporting Unauthorized Credit Inquiry To whom this XXXX concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

COMPANY DATE CREDIT BUREAU XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX JPMCB CARD XX/XX/XXXX XXXX JPMCB CARD XX/XX/XXXX XXXX JPMCB CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. 

I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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:
I sent a letter off on XX/XX/2022, to remove my personal information that I don't want on my credit profile. According to the Fair Credit Reporting Act 12 USC 1681, states I have the right to privacy. Also according to 15 USC 6802, NO Financial institution have any right to share mu information to a third party. Based on these inaccurate and personal information that has been furnished on my credit profile is a direct violation of my federally protected Consumer Credit Act. 

There is no third party involved in this situation

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 2022-06-30
Company: LEXISNEXIS
State: MN
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  XXXX bankruptcy. LexisNexis has violated my rights 15 U.S.C 1681 section 602 A. States i have right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On Tuesday, XX/XX/2022, I purchased an airline ticket from XXXX XXXX through XXXX XXXX, which is connected to my citizens bank account. There was a hold placed on my XXXX $ and I never received a ticket. I called both parties and they both told me that there was nothing they could do and to contact the other party. I told them that I would file a complaint and they told me that thats what I would have to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-09-22
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I agreed for Chase Bank ( Freedom Card ) to initiate a {$3500.00} payment to my XXXX XXXX XXXX XXXX XXXX XXXX ), to bring that balance down to {$450.00}. ( Now {$0.00} ) Chase honored the agreement for a {$170.00} fee and sent XXXX {$3500.00} to be charged to my Chase Card with XXXX 0 % interest. Thus, my Chase Card had a new Balance of {$3600.00}. XXXX reported the New Chase Card Balance as an INCREASE of 17.33 % in Credit Usage. All this might have been okay, except XXXX neglected to report the XXXX XXXX XXXX XXXX half of the transaction, which left hidden the {$3500.00} lower balance in the XXXX XXXX and didn't report a 20.1 % LOWER XXXX Credit Usage percentage . This caused a XXXX Point XXXX Credit Score ; a XXXX Point Chase Score and somehow, a minus XXXX Point XXXX XXXX XXXX XXXX XXXX The Usage percentages should have been OVERALL Credit Usage averaging ALL Usage. This is what I'm most concerned about. Background : On XX/XX/XXXX, I wrote a XXXX promotional check for {$18000.00}. I paid {$420.00} every month until paid the {$18000.00} back. My penultimate act on XX/XX/XXXX used the Chase offer to reduce my {$3900.00} balance to ~ {$0.00}. Then XXXX chose to REDUCE my Credit Score XXXX points. Wait. What?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX CITIBANK NA., BEST B XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C . 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an 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 2017-08-12
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:
fraudulent accounts, XXXX XXXX XXXX ,X/XX/16 ,XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by my homeowner 's insurance company about a letter they received from my debt collector/mortgage processer SPS Servicing XXXX 

In the letter, SPS Servicing, a debt collector, stated that they ( SPS Servicing ) have initiated a foreclosure action on our property due to a default under the terms of the security agreement. 

Legal action was initiated on XX/XX/XXXX. 

That means my home has been in foreclosure for 10 years. How is that even possible? 
Because there is a statute of limitations of 6 years for mortgage debt. 

First, there is no record within the Connecticut XXXXXXXX XXXX indicating any foreclosure proceedings whatsoever on our property. Their statement to my insurance company is patently false. 

Second, the collection agency sent us a letter dated XX/XX/XXXX, saying our mortgage was referred for legal action. ( NOT FORECLOSURE ) yet they told our Insurance company we were in foreclosure. They said we have alternatives to Foreclosure. We have communicated tirelessly with this company to no avail. They either disregard our requests for validation and/or refuse to discuss options that are viable to our financial situation. 

Furthermore, we have written to the mortgage/debt collector for validation of the debt and the name of the holder of our actual deed, and they responded with a trust company. We submitted a letter of debt validation to the trust company on XX/XX/XXXX. They did not respond. 

As of XX/XX/XXXX, we were contacted by another debt collection agency for the mortgage. We have since requested a validation of debt with them as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: CURO Intermediate Holdings
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: Credit inquiries on your report that you don't recognize

Complaint:
SPEEDY CASH/ CURO XXXX XXXX XXXX XXXX XXXX  XXXX CURO XXXX XXXX  XXXX XXXX XXXX 15 U.S.C . 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Urgent : Rectification Required for FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am writing urgently to address significant discrepancies recently uncovered in my credit report that violate the Fair Credit Reporting Act ( FCRA ). The persistent presence of these errors in my credit profile raises substantial concerns about compliance with FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the accurate collection, maintenance, and transparent reporting of consumer credit information. 

Instances of FCRA violations found in my report include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on name or social security number similarities by your agency. 
Failure to comply with prescribed dispute-resolution protocols. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters. 
Receive notification if my file information has been detrimentally used in credit applications or transactions. 
Dispute and request correction or removal of incomplete, erroneous, or unverifiable data. 
Request the elimination of outdated negative information, typically after XXXX or XXXX years, contingent upon bankruptcy. 
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to their inaccuracies, lack of verifiability, and continuous invalidation. Their presence has caused substantial distress, notably resulting in my recent denial of extended credit due to errors originating from your agency. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I anticipate prompt action to rectify these violations within the stipulated timeframe outlined by the FCRA. Failure to comply will regrettably compel me to pursue legal measures to ensure my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have made several attempts to remove a security freeze that I initially placed with Experians Clarity Services. Clarity services has repeatidly refused to remove the security freeze even after I provided them with the current and accurate PIN that they provided to me.

Clarity Services continues to state they need me to send them a copy of my Social Security Card, wwhich is personal and confidential and they have already verified this information which enabled them to place the freeze and issue a PIN.

Claritys actions has caused numerous credit applications to be denied due to thier refusal to remove the freeze as requested.

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