BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} ; XXXX XXXX XXXX XXXX Balance : {$XXXX} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS 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 from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-11-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
under the Fair Credit Reporting Act ( FCRA ) law 15 USC 1681 I request these errors be updated on my report. My credit card from XXXX XXXX I saw on all 3 credit bureaus that my credit age with my credit card is XXXX but my credit report shows my credit age to be less than that from account # XXXX. There are not many options to report this so I chose to have this fixed through a better source.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX  XXXX XXXX Balance : {$2200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: FL
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 account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681. According to statue 1681A 2a1 of the fair credit reporting act, they are to exclude my transactions. This account ( s ) are in clear violation of my consumer rights by including these transactions. My payments are considered transactions. This is a defamation to my character. 

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Law 15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
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:
My nonpublic personal information has been compromised, shared with and used by credit reporting agencies without my consent or authorization. I checked my credit report and identified several fraudulent transactions that do not relate to me. No person should be using any of my information without my consent. Utilizing and sharing my information without my consent identity theft and invasion of privacy. Since then my personal information has been compromised and even spread to the dark web and other places. This has caused issues with my finances and even at my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
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:
Equifax, On my latest credit report - there are 3 hard credit inquiries due to identity theft that are fraud and need to be removed immediately - they are : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : My complaint with them detailed out FTC Identity Theft report drivers license social security card proof of address these 3 fraudulent inquiries need to be removed at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Well I usually keep about XXXX in my XXXX business accounts and maybe XXXX in personal account. I received alert asking if I was aware of a transaction from XXXX I hit no I dont. So my card was blocked and gave me a chance to look through charges that was on XXXX XXXX  Claim number-XXXX totaling {$670.00} well that was denied a couple hours later. Since it would only allow me to do XXXX Transactions at a time I have another claim same account ClaimXXXX for {$560.00} that was approved but couple days later they stated they will be taking the money back on the XXXX. 
We I looked up what XXXX was and its a betting gambling company which I dont gamble. 

So then I get another alert on XX/XX/ from my other account am I aware of transaction I said no. Well when I looked on that account it was XXXX charges so a course I had to call in to do the fraud claim totally {$6900.00} So the lady ask do I have my card I said yes. Did I let anyone use I said no. Did I ever do business with the company I said no I dont gamble. Was my card in my possession the whole time I said well I was in hospital XXXX days which I left my wallet home. I stated that my daughter had party when I was gone thats the only time I can think of that I didnt have with me. She said ok I filed claim and you should receive a credit with in XXXX days. 


Couple days later I said omg I need to check my other account I almost passed out Claim-XXXX XXXX charges total {$21000.00} all from the same site all starting from mid XXXX. I called again they ask same questions. I said I dont gamble period and I didnt authorize. I need my money. 

So I received a phone on XX/XX/XXXX saying to call Wells Fargo they have a couple questions and the reference number anyone can help. So I called XXXX times they act like they dont know what questions they have and just keep saying processing. I keep saying well why do you guys call and tell me to call and then I do and nothing. 

Today I received another call saying if they dont hear from me that will be making a decision with what they have. I called all day cant get through and when I do nothing they just see processing. 

Im very concerned they already denied the first claims the smallest ones for {$570.00} and {$670.00} so the will definitely be denying the XXXX big ones. I asked for information on why the small ones where denied they stated will be sent. That I made the charges which I didnt and dont know who stole my cards information.

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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: M&T BANK CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX XXXX M & T bank repossessed my car for late payment despite my best efforts to pay. My experience with their systems has been terrible. Phone tree systems do not work properly and frequently disconnect. Employees deliver incorrect and unclear information. Payment systems seem to not work well. Mobile app frequently malfunctions. Communications from the bank are inconsistent with some months missing. When requested employees claimed the bank had attempted to contact me and to leave voicemails but the inbox was full. I know this not to be true and could provide records of that fact. The bank seems to make payment and contact intentionally difficult to create opportunities for late charges and additional fees.

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 2023-05-15
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: Credit Karma, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Credit Karma would always say that I was preapproved for credit cards and auto loans and when submitting my information I was declined a 100 % of the time then my score would go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was closed recently for XXXX returned payments. XXXX of the payments that were returned was because I had XXXX and was experiencing some hardship. I spoke to a representative regarding this and they reassured me that this would not affect my account. After my account was closed I tried to reach out to the company to have it reopened amd my request was denied. I've been with this company for over 7 years and I am asking for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am a XXXX XXXX XXXX. I informed the company several times to please give me time to make a payment or to help me make arrangements. I requested that they assist me in a potential deferment so that I could continue to get to XXXX XXXX. I was very communicative of my situation. I attempted to make payments that they returned. Then they repossessed my much needed vehicle right when I needed XXXX to remove a XXXX  XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 5 USC section 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall not use such record. Please contact me at the address provided to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Experian Information Solutions 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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX 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 2023-10-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On our about XX/XX/XXXX, I opened online a checking account with Citibank. I received the debit card in the mail, and was unable to activated online, it kept giving me an error, in XXXX XXXX went in personally into the branch, and spoke to the teller, she instructed me to make a deposit through the ATM machine in the lobby, I did. 
Later I decided to use the account, to collect funds from friends and family for a young cousin 's XXXX XXXX, and linked it with XXXX with the email XXXX, on XX/XX/XXXX. Tested that it worked from another personal account on XX/XX/XXXX, with a {$1.00} transfer, since it worked. I started receiving XXXX 's there since that day. 
On XX/XX/XXXX, again I went to the local Citibank branch ( same where I activated the debit card, and made the cash deposit ), and asked for {$5700.00} to be wired transferred to the clinic in XXXX, XXXX. I had the invoice and all the wire information from the clinic, after a few minutes I was told the account had been blocked, and most likely I would receive a cashier check, or the senders ( including myself ) would get their money back, because I violated the terms of my account, to go back in 72 hrs. I went back 72 hrs, a week, 2 weeks and month, and many other times, no re-solution. I was told to wait it would be via regular mail or directly with people, because they had to wait, and see that no one had filed a complaint that it was fraud. It wasn't it was mostly family, and some friends. I understood, but Neither has happened, its been almost six months. I have gone to the branch, the manager says there is nothing he can do. I have called Citibank, different departments and no one knows or can't talk to me, since they closed the account, and im no longer their client. No one including, myself, my daughter, other family members and my husband has received a refund, nor have I received a cashier check refunding the full amount of the money in the account, at the time they closed it or denied me access to it. The total amount in the account that I am owed is {$6600.00}

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 explanation
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone tried to open a credit card under my name with Chase Bank on XXXX XXXX, XXXX 
I received the email that the application was under review, called XXXX and they cancelled it and sent me fraud protection information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEMS ( as per my consumer report ) has contacted me via email, and via phone. I have no business with this company. I have no contract with this company, they have furnished false, and misleading information, on my Consumer report. I did have the emails saved, in which I never consented for them to contact me at all. My emails where erased due to storage on my phone. I spoke with a XXXX, her id number is XXXX. She informed me that her company purchased the alleged debt, and I now owe them. I asked her to supply me with the verifiable evidence of a contact between JEFFERSON CAPITAL SYSTEMS and I. This company has stole my identity, and reported inaccurate information to the three credit agencies. This inaccurate information is keeping me from extending my credit to other businesses ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: DISCOVER BANK
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Did not authorize charge on account ending In # XXXX charge for {$3400.00} on XX/XX/23 from NO 1 Gold sour deira. I need a credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to express my deep concern about your failure to comply with the direct dispute provisions of the Fair Credit Reporting Act ( FCRA ). This company is reporting incorrect information. I think the amount they report and collect is wrong. I asked them to investigate and rectify but nothing, the latest report says that I am on charge off the month I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXXXXXX XXXX XXXX alleged debt, was disputed under ID theft, in 2017, at all three bureaus : XXXX, XXXX, and XXXX XXXX. I wrote them a certified letter requesting the validation of the debt, in accordance with FDCPA guidelines. They did not respond but continued to report the debt. They sent me a letter threatening legal action, and asking me not to respond if the debt was not mine ; XXXX did none of the remedies provided by law under ID theft. 
They placed my numbers in call scammer and dialers. They ran my credit 5 times in the last year, without a debt, but rather with an alleged debt XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Im a victim of my bank of American savings and checking accounts

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 2023-10-18
Company: Possible Financial Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a defaulted loan with Possible Finance. I am unable to pay the loan in the app, I have been unable to pay in the app since it defaulted. I emailed customer service several times and am never provided a way to pay yet they are reporting a negative account on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation