BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-24
Company: Experian Information Solutions 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:
when I went to the car dealership I applied for a loan with XXXX when I checked my credit I have like 10 inquiries

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 2022-06-24
Company: EQUIFAX, INC.
State: OK
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  Account number XXXX XXXX XXXX XXXX Balance on XX/XX/XXXX {$7900.00} Original loan amount {$12000.00} Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: MD
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 disputed something with the credit agency, after 30 days they have not validated the debt, which is in violation of U.S Code 1692 ( g ) ( k ). 

I would like this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 XXXXXXXX Account number XXXX XXXX XXXX XXXX Balance on XX/XX/XXXX {$7900.00} Original loan amount {$12000.00} Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the 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 non-monetary relief
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The company I am having issues is Equifax. I am trying to apply for an apartment and the apartment complex is not able to view my credit report because there is a freeze. I never put a freeze on my credit. I tried calling the company and they said I needed to verify my identity. They said the only way I could do this is to mail my information with a cover letter. They said it would take 7-10 days. So I mailed my information and I called back after two weeks and they stated my information wasnt processed. And then, they said I could actually fax my information. Which is something they said couldnt be done previously, even though I stated that I needed my credit score quickly. The calls are recorded so there is proof that they denied my request to fax my information. I just want my credit score to be available for my apartment to see my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no idea who you are and I do NOT owe anything to anyone.

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 2022-06-06
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act Account # XXXX - XXXX XXXX , and Account # XXXX XXXX  XXXX XXXX , has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ; XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with the dealership about submitting several credit inquiries while only agreeing to one. 
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IN XXXX on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas, 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 2022-06-24
Company: Experian Information Solutions Inc.
State: NY
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX : Inquiries : XXXX XX/XX/2022 Experian : Inquiries : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022

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 2022-06-24
Company: EQUIFAX, INC.
State: NY
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX : Inquiries : XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 Equifax : Inquiries : XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have closed my Chase Credit Card Account ( XXXX XXXX Rewards Business Card ) because Chase is now charging an Annual Membership Fee of {$99.00} on my existing account. I do not want to pay for the NEW charge. I called Chase Customer Service as soon as I received my XX/XX/XXXX statement that included this new annual fee. I called on XX/XX/XXXX, and requested that my account be closed immediately, and that the {$99.00} annual membership fee be immediately removed from my account. 

Chase did close my credit card account properly. But, now 10 days later, the {$99.00} fee still appears on my account. I called today ( XX/XX/XXXX ) and spoke with a customer service representative and a supervisor. I was told that it would take 1 to 2 billing cycles for this charge to be removed from my account. I was told that their " system '' could not handle removing this charge immediately. 

This is unacceptable. 

If I wait until this charge is actually removed, I could end up with a negative mark on my Credit Report. Just because Chase 's computer system is unable to remove this charge makes no sense to me. Just because Chase 's computer system is unable to remove this charge, I could suffer from a negative Credit Report. 

Again, this is unacceptable. 

Please ask Chase to immediately remove this {$99.00} Annual Membership Fee from my closed credit card account. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX Account #, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2022-06-24
Company: Experian Information Solutions Inc.
State: OK
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 XXXXXXXX Account number XXXX XXXX XXXX XXXX Balance on XX/XX/XXXX {$7900.00} Original loan amount {$12000.00} Account status Closed Date opened XX/XX/XXXX has violated rights of privacy. 15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the 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 2022-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Called company to verify debt, they stated the account was no longer with them and then transferred me to another number and they could not find the account and then asked them for verification of debt, this is a major error and the account needs to be investigated. I could not even get in contact with original debtor, they claimed to no longer has access to files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Genesis FS Card Services, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, at XXXX p.m. XXXX. I called Indigo Card Service, and spoke with an associate that transferred me to their manager, per my request. The associate could not answer my question, as to why my credit card was report to the credit bureaus as over the limit? When I spoke with their manager, I believe the manager name was XXXX or XXXX. I am not quite sure of the manager 's name. I asked the manager to explain why my credit card, ending, XXXX was over the limit after I made the payment on time on XX/XX/XXXX. My closing statement day is the XXXX of each month. The manager stated it depends on when I made the payment. I said, I did it before the cutoff time, which is XXXX XXXX. E.S.T. The manager reviewed my account and saw I made my payment, on XX/XX/XXXX. I asked what time does it show I made the payment? The manager stated it was at XXXXXXXX XXXX P.S.T., payments made before XXXX XXXX. P.ST. is credited to the account the same day. I said, I was going to report this to the CFPB. The manager stated that they would dispute the balance as it should not have been report late and over the credit limit. I receive a letter dated XX/XX/XXXX, that the information was reported correctly. The incompetent manager or associate that disputed the balance; disputed it for the month of XX/XX/XXXX and XX/XX/XXXX. I was talking about a payment made and over the limit balance for XX/XX/XXXX, why was this dispute done for XX/XX/XXXX and XX/XX/XXXX? Today, XX/XX/XXXX, I spoke with XXXX and asked them to transfer me to a manager to answer what time the payment was made on XX/XX/XXXX, as they did not know this information. I spoke with XXXX XXXX manager ), and stated again I made the payment at XXXX P.S.T on XX/XX/XXXX. XXXX was very kind and stated they will file the dispute for me correctly, because the previous dispute was file forXX/XX/XXXX. I want my balance report for XX/XX/XXXX to be corrected, as this affects my debt ratio. This is the 3rd time this has occurred where credit card companies reported my balances incorrect to the credit bureaus. Then my credit is affected and can not get the points back that I lost originally. I believe CFPB should look into possible XXXX discrimination, that credit card companies are targeting XXXX individuals. I am aware this occurred with other XXXX individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


Transunion : Inquiries : XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX : Inquiries : XXXX XX/XX/2022

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 2023-08-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-06-24
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was at the bank in XX/XX/2022. Requested to close accountt. As i found out later my atm has beed closed but my acount is still open and i can not drow my funds. bank accepts my sis payments and holds my funds charging me monthly fee. I called customer care they told me my card has never been activated which is ludicrous since made withdrawals in the past. I on the XXXX coast and I can not get my card replaced not get the money since I don't have any other income

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 2022-06-24
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:
XXXXXXXX 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 XXXXXXXX Collection 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 2 : It also states a consumer reporting Agency Can not Furnish An Acct 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 2022-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to the FCRA, the credit bureaus never did a proper investigation. 

In accordance with the Fair Credit Reporting act, my rights have violate by the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. State I have the right to privacy.

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

Company response to consumer: Closed with explanation