BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: AR
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 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 before that the information is inaccurate.

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.

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 2022-08-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, On XX/XX/2022 I received a letter from Chase Bank that they are permanently closing my personal checking and savings account and I must withdraw all my funds no later than XX/XX/2022. 

I called Chase Bank to get a explanation or reason since I have been a loyal customer. They did not provide any explanation and said my account is flagged and I can not open an account with Chase Bank forever. This is very suspicious since I am not involved in any illegal activity, clean credit score history and no criminal records. I have been a Chase Bank member for over 12 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: SC
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX EMPLOYER : XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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/XXXXXXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$60.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX Balance Owed : {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Balance {$1000.00} This account is reflecting a banalnce thatr has been paid off. Ive asked them numerous times to please update my balance to XXXX 

XXXX XXXX Balance {$1200.00} Opened XX/XX/XXXX This is a identity error fraud. This account does NOT belong to me. 

XXXX XXXX Balance {$4100.00} Opened XX/XX/XXXX This account was opened fraudulently and has already been settled with XXXX XXXX XXXX Balance {$81.00} Opened XX/XX/XXXX This account has already been settled with the original creditor. 

XXXX XXXX Balance Balance {$670.00} Opened XX/XX/XXXX This account does not belong to me. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX This account has never belonged to me XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX This account has never belonged to me. 

XXXX XXXX XXXX {$450.00} This account does NOT belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2022 XXXX collection sent bill XXXX of 2022 for {$280.00} from XXXX energy. When I contacted them, I was told I have XXXX other accounts opened for green mountain for {$450.00} from direct energy for {$370.00}, and from reliant energy for {$120.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
( Before reading all of this, I will specify that we used Zelle for the money transfer. ) On XX/XX/XXXX, XX/XX/22, me and my family were looking for puppies to adopt. We posted a post on XXXX online, and someone commented under our post and said theyll sell the puppy for {$900.00}. We thought that was pretty cheap and a pretty good deal, but it was way too good to be true. The scammer also messaged us about the puppy and said its for {$900.00} because shes about to travel to XXXX and shes leaving in about a week. Which seemed reasonable and explains why she would want to get rid of the family. At first she was saying that she wanted to rehome the puppy and shed want the family or the person thats going to take care of it will be in good hands. She also put a fake address after she said that, so we thought she was legit and honest. We also called on messenger and we were negotiating the price, we were saying about {$500.00} or {$600.00} would be a better price for that money, since it was for my daughters birthday. And I also said that Ill pay half right now and Ill send the rest later. The scammer agreed to it and I did as well. I also asked the scammer for more pictures and videos of the dog and she sent me nothing and her excuse was My camera is broken, which seemed reasonable at first. And we also asked for a XXXX and she said Im at work but my camera is broken and I cant, and I live alone so nobody can XXXX for me. We didnt suspect a thing due to how low-priced the dog was. And then she said shell XXXX the dog right away and give us the things the dog needs, such as its cage, food/treats, toys, clothes, leash and collar etc,. Which seemed really okay with us at first because we needed those things so we said okay. And we used the company Zelle to money transfer her, we sent {$200.00} and then sent the screenshot of the money amount transferred to her, and then she blocked me on XXXX. But luckily, she sent us the number so we could Zelle her, but it turns out that the number was her friends number, and her friend was collecting the money for her. We called her friend and asked her to send the money back, she said no. And then the next day, XX/XX/22, her husband texted me on her phone and he was sending us threats and saying that they are not teaming up with the scammer nor do they know the scammer and that they arent friends at all. But how is that possible when the scammer gave us their number and also their real name, both of the contacts were right, and we also confirmed with the scammer if the details were right and she said yes. So please, help us get our {$200.00} back. This is very frustrating and we have already tried to get in contact with them but they have already blocked us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
State Employee Credit Union discriminated against me when I applied for an extension of credit yesterday on XX/XX/2022. They discriminated against me because of my credit history is what was stated to me by a lending supervisor even after I told her the negative items she was mentioning were due to identity theft and I could provide a police report. She still continued to inform me they were discriminating against me. I have attached the email I have sent to the company letting them know my federally protected rights that have been violated by State Employee Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Monterey Financial Services LLC
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: Problem with personal statement of dispute

Complaint:
My ( XXXX XXXX XXXX ) and I were in XXXX in XX/XX/2019 XXXX We were stopped on the street and asked to come hear a presentation after winning a free gift. We were mislead into purchasing a package that was not what they claimed it to be. After realizing we were taken, ( within 3 days ) we tried to cancel the package, calling every number on the paperwork for days, but to no avail. We kept getting the runaround saying someone would call us back, but no one ever did. We left several messages with several people asking them to cancel our package. 

Months later we received a collection notice in the mail from a place called Monterey Financial Services of CA. The original company was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. We had a free consultation with a lawyer and we tried to dispute it online. To no avail. 

Our issue is that the original company was in a foreign country so how is it that they have the right to tamper with our credit here in the US.? We are utterly appalled at the fact that something like this could happen. We feel totally unprotected. The amount is ( {$9000.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Continental Finance Company, LLC
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:
The date is XXXX XXXX2022. The amount is XXXX. In accordance with the fair credit reporting act Account number XXXX XXXX XXXX XXXX has violated my rights. 15 USC1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section2 it also states a consumer reporting can not furnish a account without written instruction. Also 15 USC 1666B! A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-09-28
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Aldous & Associates, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear XXXX, I enrolled with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Soon after enrolling, I developed a health problem that prevented me from working out at the gym. I called XXXX asking them to cancel my membership. I was told they could only cancel my membership if I showed up in person. I told them it was not possible because I was ill. 

They continued taking membership fees from my account following my request to terminate the membership. I asked my bank to block them from taking money from my account. XXXX continued billing me. 

I never once showed up at their gym. They eventually canceled the account and sent the account to collections. Aldous & Associates , PLLC, the collections company, posted the account to my credit history claiming I had an outstanding balance of {$160.00}. They have since refused to remove it. I don't owe XXXX anything. This is fraud. I would like to delete this from my account. This is on my credit report only because Because of this account, I have failed to secure a student loan. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
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 am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine ECMC XXXX not mine ECMC XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO  NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

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 2022-12-12
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: IL
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:
Creditor : XXXX ( XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Delete for inaccuracy and false reporting : The Date of Last Activity is not the same three different dates listed for XXXX XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX XX/XX/XXXX same with Last Payment Date is not accurate. XXXX XX/XX/XXXX and Equifax XX/XX/XXXX. Incorrect date opened is listed XXXX XX/XX/XXXX and XXXX/Equifax XX/XX/XXXX XXXX No date closed listed for XXXX XXXX Equifax. Inaccurate information listed for High balance Equifax XXXX XXXX XXXX XXXX I have sent in multiple disputes via usps mail and have requested verification of how the information was verified. I have no received any documentation nor a far investigation within one week of the credit bureaus receiving my dispute the investigation is updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: AL
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:
The company equifax is reporting fraudulent inquiries on my consumer reports that violates my consumer rights under the 15 USC 1681b Permissible purpose of consumer report.

Company response to consumer: Closed with explanation