BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: OH
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 am writing to formally complain about the recurring issue regarding the display of my account balance on my XXXX ( XXXX XXXX XXXX XXXX XXXX Credit Card. The balance has been consistently displayed incorrectly by a large margin. Currently, the discrepancy is greater than {$12000.00}, which is having a significant detrimental effect on my credit score. I have made numerous attempts to rectify this issue. Unfortunately, the problem persists despite my efforts. Not only is this affecting my financial credibility, but it is also causing me considerable stress and inconvenience. I am therefore seeking your assistance to investigate this matter and take necessary actions. I also request the following : 1. A detailed explanation of how and why this discrepancy occurred. Specific information on the steps that were taken in investigating and attempting to resolve the issue. 2. An assurance in writing that this problem will be rectified immediately and will not recur in the future. 3. Compensation for any damage that this may have caused to my credit score and reputation, if applicable. I believe that as a consumer, I have the right to receive accurate and consistent information regarding my credit card balance. The constant misrepresentation of my account balance by XXXX is unacceptable and must be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-06-04
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:
15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The creditor has reported that from XX/XX/XXXX through XX/XX/XXXX, my account payments were late or not made, which is false. The payments were all made and were on time each month. I have tried contacting the creditor and all three credit bureaus about the issue. Each time, they just report back that they can not change what my credit report says because the original report was accurate when in fact, it was inaccurate and is causing me not to be able to build my credit as quickly and efficiently now and is also causing me not to be able to get new credit with other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: JPMORGAN CHASE & CO.
State: NC
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 noticed a {$4.00} transaction from XXXX XXXX pending on my bill on XX/XX/2020. I called Chase at XXXX. After being disconnected on the first call I waited 20 minutes on the next call. Once I reached someone with Chase, the operator told me to call the company that scammed me. Chase provided the phone number of XXXX. When I called the scammer, a foreigner, he wanted more information from me so that he would credit my credit card. He told me I had ordered some kind of membership that was advertised on TV. I told him that I did not. He asked for my last name and zip code and said he would credit my card within 2 days. I reluctantly provided this information. My credit card has not been credited as on XX/XX/2020. I tried calling Chase again on XX/XX/2020, and the recording said it was a 50 minute wait. The recording suggested going to Chase.com. I did go to chase.com and tried to dispute the charge. It then said I had to call XXXX to dispute the charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: NY
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} ; XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/2017 Balance {$370.00} ; XXXX  XXXX Date opened XX/XX/2017 Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
please my wife report informations is not showing on my credit pulls and we need to verify the social security number and name to make sure that EXPERIAN have my wife s personal information correct. 
please i have been calling since 3 weeks the EXPERIAN customer service to help me resolve this problem but impossible to talk to a specialist. i actually need your help. please help me very important for my mortgage.

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 2022-12-16
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update this immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-08
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

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 2023-06-04
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX has refused my disputes through the credit bureaus, neglecting to update the account 's current status as paid in full for less than full amount. The debt had been sold to a debt collector, XXXX, and I was told by them in the beginning that I was working toward removing this stain from my credit report, only to be told upon paying the agreed settlement that I would have to get XXXX to do it. Entirely misleading. I have sent XXXX the attached confirmation of settlement, bur they won't do anything with it and lied to me on 3 occasions about getting me to the proper dept. This is keeping me from buying a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2023-03-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, 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:
Never opened account

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 2023-06-04
Company: EQUIFAX, 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:
I am writing to you regarding my credit report, which contains inaccurate and fraudulent information. I have previously submitted an identity theft report detailing the fraudulent activities on my credit profile. However, I have noticed that the following fraudulent accounts and unauthorized inquiries are still appearing on my credit report : Account Details : 1. Account Name : XXXX  XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX These accounts were opened fraudulently without my knowledge or consent. I have taken the necessary steps to report this identity theft, and I kindly request that you investigate the matter thoroughly and remove these fraudulent accounts from my credit profile immediately. 

Furthermore, I have identified several inquiries on my credit report that are not associated with any active accounts. These inquiries were made without my authorization and have no valid purpose. Therefore, I request that you remove all unauthorized inquiries from my credit report as well. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants you the responsibility to ensure the accuracy of the information in my credit report. It is essential for me to have an accurate credit profile as it impacts my financial opportunities, such as obtaining loans or credit cards. The inclusion of these fraudulent accounts and unauthorized inquiries is not only detrimental to my financial standing but also a violation of my rights under the FCRA. 

To support my claim, I have attached copies of the identity theft report that I previously filed with the relevant authorities. This report provides clear evidence of the fraudulent activities and supports my request for immediate removal of the aforementioned accounts and inquiries. 

I kindly request that you initiate an investigation into these matters promptly and provide me with a written confirmation once the fraudulent accounts and unauthorized inquiries have been removed from my credit report. Additionally, I would appreciate if you could provide me with an updated copy of my credit report once the necessary changes have been made. 

Please note that the FCRA requires you to complete the investigation within 30 days of receiving this dispute letter. I expect a prompt response from you within this timeframe. 

Thank you for your attention to this matter. I trust that you will handle my request with the utmost urgency and ensure the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing to complain about the premature cancellation of my American Express Platinum Card ending in XXXX. I spoke to an account manager with the name of XXXX and the ID XXXX in XXXX, Florida on XXXX round XXXX XXXX EST. 

He closed my card without fully disclosing that the membership fee of XXXX XXXX  would not be reimbursed. I specifically asked him about that, but he already moved ahead without my consent. 

Because of the missing disclosure, I expect to receive a prorated refund of my annual card membership fee. Since it was only renewed on XX/XX/2023 this would be a value of XXXX XXXX. 

The account manager was not willing to escalate the case to a higher level of support to review the case nor did he offer any accommodation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX Balance XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {XXXX XXXX XXXX SER ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : XXXX 
XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
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: Account information incorrect

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. 

Acct- XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX has violated my rights XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: 1st Franklin Financial Corporation
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 did not authorize this company to run my credit after the loan was granted to me, I let the company know that they were violation my consumer rights and I was going to complain. They told me that they were going to take legal action they said they were going to sue me for the past due balance. I want this account closed and paid off, and I would like to be compensated for them running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: William D. Meeker Enterprises, 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 status incorrect

Complaint:
This was taken by : CIC CREDIT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ordered by : XXXX XXXX XXXX Date Ordered : XX/XX/XXXX There is an open account with Liens and Judgments Report. 
Amount : {$1600.00} XXXX XXXX XXXX XXXX - XXXX DIVISION | County : XXXX XXXXXXXX XXXX  File Date : XX/XX/XXXX Filing # : XXXX Date Last Seen : XX/XX/XXXX XXXX Type : STATE TAX LIEN This is already paid and I will provide the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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:
I HAVE FILED A FTC IDENTITY THEFT REPORT AND I SENT IT TO XXXX, XXXX, AND EQUIFAX ALONG WITH ALL THE DOCUMENTATION NEEDED TO SUPPORT MY CLAIM AND THEY REFUSE TO BLOCK/DELETE THE ACCOUNT DISPUTED DUE TO FRAUD. 

15 USC 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT : ( a ) BLOCK a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECIEPT BY SUCH AGENCY 1. appropriate proof of the identity of the consumer 2. a copy of an identity theft report 3.the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer I HAVE MET ALL 4 OF THESE ITEMS ABOVE AND THE ACCOUNT IN QUESTION SHOULD BE BLOCKED/DELETED IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
Saturday XXXX XXXX, there was unauthorized transaction of {$83.00}. I did not make the transaction. I called Bank of America Tuesday XXXX XXXX at XXXX. A woman named XXXX from the South Carolina branch saw the transaction and said it has a reversal of its original transaction and youll be getting back your money on Wednesday XXXX. It was reversed but has not showed up on my account. Now its not showing on my account where the transaction was pending.Bank of America said since its not on my account anymore then they cant file a claim.

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 2023-06-04
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I reached out to XXXX, XXXX and Equifax asking them to investigate this account XXXX XXXX XXXX account number XXXX that's inaccurately reporting on my consumer report. I received a response from all 3 credit reporting agencies that this account was accurate and verified. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately. The reporting of this account is a violations of the following : 1. 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 2. 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
This account is reporting as closed but is still reporting a balance, past due amount and still reporting late payments. How can a closed account report a late payment.

Company response to consumer: Closed with non-monetary relief