BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
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:
Recently, I did an investigation on my credit report which caused serve XXXX upon me and I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawful COMPLIANT REPORTING STANDARDS such as the METRO 2 XXXX Points of Compliance and other potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( XXXX ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiable METRO 2 FORMAT compliance of reporting standard ( XXXX ). 
Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. 
I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( XXXX ). For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. 
I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I  XXXX  am not the person that opened an account with  XXXX   XXXX . I can safely say someone has my information and is using it to get service with  XXXX   XXXX . Please feel free to contact me for any questions.

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 2022-12-08
Company: SYNCHRONY FINANCIAL
State: AZ
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:
RE : Previous Complaint You investigated the previous complaint. Thank You. 
Due to your investigation, Synchrony Bank resolved most of this issue. 
They refunded my late fees, refunded my interest fees, and honored the Ten Percent discount that they offered. 
However, they also reported derogatory information to the Three Credit Bureaus. 
I have requested that Synchrony Bank remove this negative info. They have not agreed to do so. Clearly they were wrong to report this, as they corrected the erroneous charges. 
Since the charges were incorrect, the info to credit agency is also incorrect. 
Please have Synchrony Bank update my info reported to credit bureaus.

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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting XXXX XXXX correct In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting XXXX XXXX accurate. 

XXXX. XXXX XXXX, Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.

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 2022-07-31
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 Federal Trade Commission Number : XXXX Re : Unauthorized Credit Inquiries To Whom It May Concern, I recently received a copy of my credit report. The credit report showed multiply credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Equifax XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
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 acct # 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 n accordance with the Fair Credit Reporting act XXXX Acct. # 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX Co Acct 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct 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 n accordance with the Fair Credit Reporting act XXXX XXXX Acct 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 n accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Acct XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT XXXX ACCT # XXXX, ACCT XXXX ACCT XXXX ACCT XXXX ACCT 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 2022-07-31
Company: Aldous & Associates, PLLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I received a XXXX credit alert from XXXX and XXXX  that a new account has been added. I was surprised because my credit has been frozen for a year and I have not applied for any new credit. When I logged into XXXX, I noticed that Aldous and Associates, a collection agency, had been added to my credit file in the amount of {$76.00} for XXXX XXXX in XXXX. I immediately disputed this as I have NEVER had a gym membership in XXXX nor have I ever received any bill or notification in the mail for this amount. I suspect someone took out a membership in my name. I immediately filed a dispute with XXXX, but when I called XXXX  they said they could not locate the collections on my report, yet it was added to XXXX  and then later on to XXXX, both credit monitoring services for XXXX. This is very upsetting to me because it is not my debt, I have never had a membership for XXXX XXXXXXXX in XXXX, nor have I received any information or warning from XXXX XXXX or Aldous and Associates before this was added to my report. If I knew that a debt was being collected in my name, I could have worked this out with XXXX XXXX to explain that this is not my debt and something is wrong. Now, my credit score has taken a significant hit. I checked my XXXX  and XXXX reports and this collections account is not there, but I am worried it will fraudulently be added to those accounts as well. I work VERY hard to maintain a good credit score and have never paid any bill late or had any kind of negative mark on my account. This is very upsetting to me considering it is not even my debt and I never received anything in the mail notifying me that XXXX  XXXX was trying to collect a debt, let alone one that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: FRESNO CREDIT BUREAU
State: CA
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:
The company keep s changing info on my credit report. I have no contract with this company. Please see attached information on my multiple attempts. I have tried to resolve this issue multiply times. there is no litigation that is incorrect information. I have contacted investigators to have this company investigate so I can move forward. Company reports incorrect 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 2022-07-31
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:
Whoever at Experian is reading this, please read carefully. XXXX XXXX XXXX XXXX does not read nor address. I am hoping Experian will start reading. 
XXXX XXXX XXXX XXXX ( XXXX ) & Experian should stop playing childish games and focus for a time to get the following addressed. XXXX attached response is incorrect as follows : XXXX ) The attached letter reflects XXXX did not have permissible permission to access my credit report in XXXX XXXX and offered to remove inquiry from XXXX years ago. 
XXXX ) This is STUPID because XXXX is aware that an inquiry is not on a credit report XXXX years later but I am sure there is some low paid or illiterate employee that laughed by sending the attached letter. 
XXXX ) XXXX references in attached letter that inquiry was XX/XX/2017 when attached permissible permission is dated XX/XX/2017. 
XXXX ) XXXX and Experian did not have permission to release my information on XX/XX/2017 but received a forged app the next day. 

This is absolute proof that my credit report was pulled prior to any permission. I have always contested that the XXXX loan was fraudulent. But when I say fraudulent, XXXX then requires more of my personal information when they hadnt any right to have my information in the first place!!! And I refused and chose to protect my information from XXXX companies that are totally unorganized. I have sent sheriffs reports, information of the thief who is in the attached application, etc etc etc but Experian and XXXX are to unorganized, illiterate, or playing too many games to conduct professional business.

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 2022-12-08
Company: Nelnet, Inc.
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:
To whom it may concern : In accordance with the fair credit reporting act, this creditor ( XXXX XXXX XXXX ) has violated my rights under 15 USC1681 section 602 states I have the right to privacy.15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bank account was charged a ridiculous amount of overdraft fees. I have asked wells XXXX 6 times to remove that oversraft option. I simply can't offers it. A school program automatically submitted a purchase for XXXX and I was charged {$35.00} by wells Fargo, my car payment went in automatically and I was charges another XXXX. My pay was deposited and with the fees I'm left XXXX which means my XXXX cellphone payment will cost me another XXXX this isn't fair wells cargo needs to stop doing this

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 monetary relief
Consumer complaint received 2022-06-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Re : Notice of disputed charge to Account No. XXXX XXXX XXXX XXXX To whom it may concern I am writing to dispute a charge of {$1400.00} to my credit card account on XX/XX/2022. The charge is in error because, I was scammed through a phishing scam. Someone claiming to be my boss asked me to purchase gift cards on their behalf and when I realized it was fake it was too late. I tried to return, stop charges but they had already spent the cards. I've filed a police report, contacted credit card company, XXXX, XXXX and XXXX to try to get support against the scam. Unfortunately, Chase Bank will not allow me to dispute the transaction because although I was scammed, they are not willing to allow for a dispute. The txt person/scammer did promise to refund my money but it's a dead end. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

I had three charges made to my account {$500.00}, {$500.00}, {$400.00}. Please help me get back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was promise by United Wholesale Mortg age ( UWM ), a Lender Credit of  {$2300.00} at 4.25 %. The final interest rate remain at 4.25 % but lender did not give the credi  t. Said that Broker did not locked the rate and cost change taking away the credit and charge on top {$1100.00} as Origination Charges.
First Estimate    XXXX   XXXX ,  2017 , shows rate unlocked,  XXXX   XXXX ,  2017   Estimate  shows rate locke  d, but Lender Credit taking away.
Second issued is that I was Double Dip on FHA UFMIP, paid in front and amount also added to/on principal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid 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:
I have a pending {$6100.00} dispute w/ Citi Bank involving XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I hired this company to do general contracting work to my home including electrical and plumbing. A month into the project, after the work was not done -- and the contractor had XXXX volt electrical wires outside my home taped together w/ masking tape -- sewage running under my home w/ no plumbing -- and left me without water for days -- indicating they did not know how to do the plumbing for the hot water indicating they were not a plumber -- I discovered the company was actually not a licensed contractor and terminated them. They came and retrieved all of their materials and tools on XXXX XX/XX/2022. None of the work was completed and significant damage was done to my home. 

Despite providing this information to citi, along w/ documentation from the licensing board showing it was illegal for this company to accept any of these jobs or perform any of the work -- they did not resolve the dispute in my favor, claiming they needed more information. 

I provided them the contract, the receipts, photographs of the damages, documentation showing the company was not licensed, and copies of the owner 's approximately XXXX prior arrests -- -including arrests involving his illegal work. I also included proof of negative reviews of him doing this to multiple other people. 

I disagree w/ their dispute process. This individual is not licensed to perform this work. Not only did he not perform it, but he did extensive damage to my home. Citi should not be siding w/ criminals and criminals should not be paid for their illegal practices.

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: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights Original creditor : XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights Original creditor : XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX  In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights Original creditor : XXXX XXXX XXXX XXXXXXXX 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 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