BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: OH
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act 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 Last activity date and account status does not report the same under each credit reporting agency. I have a right as a consumer for 100 % accuracy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: DISCOVER BANK
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had a closing scheduled for Monday XX/XX/23 and with that closing I initiated a wire on Friday XX/XX/23 for the down-payment and closing cost ( {$43000.00} ). I went to my closing and signed all documents and everything seemed to be OK, until I was contacted by the title company later that day saying that the funds that I wired on XX/XX/23 had not been received. 

On XX/XX/23 I called Discover bank following the information I recieved from the title company and was told the wire has been processed and sent, and that they will put a trace on it. When I inquired about a Fed reference number, I was surprisingly told that I do not have one yet due to the fact the the federal reserve has not sent them ( Discover ) XXXX yet ... ..I would think if the wire was processed and sent I would have a reference number almost immediately. 

Anyways, I have been calling everyday since XX/XX/23 to try to get information or advice as to what I should do regarding my wire and am just being told the same thing, " the wire is processed and sent out, should be with the beneficiary '' only problem is, the wire is not with the beneficiary and I have no idea where my funds are. 

Discover bank has not been able to provide me with a wire receipt, a time-frame, information on the path of my wire or the intermediary bank information to escalate the situation. Words can't express the displeasure I have towards Discover bank and once I find a resolution to this issue I will be cutting all business ties with this company. 

I am extremely concerned that my home purchase may fall through due to this and I am getting no where with discover and there team. It's been 4 days so far as of XX/XX/23 and Im concerned this will go for another week or so and I'll lose the house and possibly my wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: NY
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:
There are a number of fraudulent hard inquiries on my account for the following two companies : JPMCB Card and XXXX/AMAZON PLCC . These inquiries were not initiated by me and should be considered fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: CA
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 my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX , CA XXXX XX/XX/XXXX, XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX . ) XXXX Balance : {$510.00}, XXXX XXXX XXXX XXXX Balance : {$3500.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke with XXXX at XXXX XXXX XXXX on XXXX XXXX regarding 30 days ' notice to move due to my daughter being bullied which I have a police report for. I was told I could give 30 days ' notice instead of XXXX and they would waive the additional fees. I provided my forwarding address. 

My daughter was bullied, and we had our door kicked so I filed a police report. 
The Ledger from Property did not address this until 6 months after I had moved out. 
I have been harassed and threatened to sue. I have addressed this with the collection agency. 

I have paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 different XXXX XXXX. I have never received service from this place. TransUnion nor the company can verify and validate this information. 

NXXXX XXXX XXXX XXXX XXXX XXXX TN XXXX File number XXXX Opened XXXX  {$180.00} Opened XXXX {$220.00}

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 2023-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. the fair reporting act. XXXX XXXX XXXX XXXX HARD INQUIRY ON CREDIT REPORT Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX XXXX Contact info Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX Phone XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 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. i did not give written consent also these accounts are fraudulent these accounts where disputed years ago and the reporting agency still have not deleted these accounts listed this is a violation to my rights please delete asap

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 2023-09-28
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX  Iowa Student Loan ( Aspire ) issued me a 1099c. The identifiable event code was blank. After many months, ISL finally sent a SECOND 1099c it listed the identifiable event as XXXX XXXX  - a discharge of indebtedness under agreement between the creditor and debtor. To be able to appropriately address tax liability I have requested a copy of the agreement that triggered this event. ISL/Aspire refuses to provide such documentation and also refuses to update the 1099c to correct the identifiable event because no settlement agreement exists. After filing a prior CFPB complaint about this issue, Aspire provided the following response : XXXX XXXX signed a promissory note and agreed to the terms as outlined in the credit agreement when she applied for the private education loans. Copies of the signed promissory notes and credit agreements were sent to XXXX XXXX in XX/XX/2018 notifying her that the balance on the loans had been written off, but we are resending them directly to her again along with a copy of this response. The credit agreements were issued under Iowa law, and they clearly identify the provisions for default. Under Iowa law, the statute of limitations for collecting on unpaid debt that stems from a written contract is 10 years. Because payments were not received from XXXX XXXX in that time period, the debt went out of statute. As a result, Aspire Servicing Center wrote off the loans on XX/XX/2018. At that time, the IRS required the issuance of the 1099-C. The 1099-C was provided to both the IRS and XXXX XXXX for the XXXX  tax reporting season. Box 4 contained student loan as the debt description and provided the date of the identifiable event in box 1. If XXXX XXXX has additional questions, she should contact Aspire Servicing Center at ( XXXX ) XXXX between XXXX XXXX and XXXX XXXX  ( Central time ) Monday through Friday. 


As you can see the XXXX  1099c issued does not list the CORRECT indefinable event code that aligns with Aspire 's response to my prior complaint. IF what they are stating is accurate and the 1099c was issued because the debt went out of statue than a CORRECT XXXX  1099c needs to be issued to show an identifiable event code of C ( Statute of Limitations ). As a result, ISL/Aspire is purposefully and willfully damaging my credit and causing severe tax consequence as I have had to set up a payment plan with the IRS until this is resolved.

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 2023-12-06
Company: Chime Financial Inc
State: IN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute with chime and they keep saying it's under investigation but they don't have much to investigate. I purchased bt headphones they didn't work. I reached out to the person and no response of course. So I filed a dispute and chime has failed me. They're a slow company who allows their customers to get ripped off without pulling back the money. 

Avoid chime at all cost. Their a rude horrible company who is all about money and not the I've had multiple prepaid debt cards and their the worst thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX I received your recently letter. XXXX your contract to service the U.S. Department of Education XXXX loans do not start until after a date in XX/XX/XXXX. 
Currently XXXX can only process XXXX claims of federal XXXX loans for the U.S. Department of Education. XXXX I received your recent letter and last letter the one you reduce the money from {$80000.00} to {$39000.00}. XXXX consider that as the last letter you send me. XXXX you stole my identity. XXXX your employer the real U.S. Department of Education wrote you to Terminated the federal XXXX Note in my identity for Fraud XX/XX/XXXX. The real U.S. Department of Education can cancel a contract a federal XXXX loan for fraud. The note defaulted XXXX XXXX and that stands wrote the real U.S. Department of Education . The U.S. Department of Education wrote Defaulted, Terminate Collection meanng the real U.S.Department of Education does not want the money. The note was not completed in a federal lender orginator of XXXX  loans website for electronic signatures, etc. Many federal student loans FFLE loans the government are still collecting on no mattter of the amount. XXXX remove yourself of my credit reports immediately. XXXX you are in violation of the False Claim Act by stealing money from the real U.S. Department of Education in serviceing a Terminated Note for Fraud. XXXX your in violation of the Fair Credit Reporting Act. XXXX any other letter you might send me I will consider as harassment. I want all the credit reporting agencies to send me the documents that XXXX sent in to open this XXXX  loan in my identity and if the CRA can not tell my why> XXXX CEASE AND DESIST FROM CONTACTING ME UNLESS THROUGH YOUR ATTORNEY. XXXX I AM NOT GOING TO PAY YOU AN 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 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
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:
During 2022, many accounts appeared on my credit reports that I have nothing to do with and do not belong to me. As such, they should be removed from my report, however, regardless of multiple attempts, I have been unable to successfully complete dispute process to remove some of the errors from the reports. I am using this CFPB complaint as a last resort prior to having to result in legal action to have my credit reporting corrected.

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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this 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 2023-12-06
Company: EGL US, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
There was a loan made in my name that wasnt me apparently it was opened in XXXX fraud never even heard of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, I received an email from PayPal stating that the company had " ... noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' While I use XXXX on a regular basis ( a subsidiary of PayPal ), I have not used PayPal to transact funds ( sending or receiving ) since XX/XX/XXXX. Over the past 2 years I have transacted less than {$600.00} dollars on PayPal. 

As a result, I have been permanently restricted from using the service without cause. More importantly, there was no attempted resolution from the company before permanently restricting my access, nor were there any available channels for dispute within my online account after the company decided to take this action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Macys account and didnt get my last statement and there was a late charge that was waived. I'm sure now there will be interest charges as a result. I can not deal with calling Macys everytime i have an issue. Please close my account 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 2023-12-07
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX, my car was repossessed by Westlake Financial Services and was later sent to XXXX, FL for auction. I received a letter stating that I had until XXXX to make payment to avoid it going to auction. The payment was made on XXXX in the amount of {$1700.00} which is what I was told was owed. I asked for confirmation of payment and fees owed ( never got and was told they do not send outside emails/letters ). I then go on to my online portal and have now been charged additional fees which I have been given inconsistent answers about. This company shipped my car 4 hours away from the city I live in and is causing more fees to incur due to not sending release notice to auction facility. I have contacted this company multiple times and spoke to multiple agents from XX/XX/XXXX to date of this complaint. I have tried to get this rectified but keep getting the runaround. The car has yet to be released and is causing an undue financial burden.

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