BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Avant Holding Company, 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:
AVANT/WEB BANK in conjunction with XXXX, XXXX and XXXX are violating my consumer rights and the FCRA Laws. 
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.

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 2023-03-01
Company: EQUIFAX, INC.
State: GA
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 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: KS
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:
Settlement paid to XXXX XXXX to settle charged off account. All three credit bureaus refuse to update reporting and blame XXXX XXXX for inaccurate reporting. 

All the three credit bureaus show balances of {$1400.00} when it should reflect a {$0.00} balance. 

XXXX XXXX has confirmed on their end that balance was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my account for no reason, with no warning, withholding {$10000.00} of my money, and failing to provide my XXXX  Tax forms after repeated requests. They committed in writing to mail paper copies of my XXXX tax forms to my home address no later than XXXX, and stated in writing that if I did not receive the forms to reach back. I have reached back and they refuse to provide the forms stating that my account was closed for a policy violation - which they refuse to explain stating it is against policy to tell customers why an account has been canceled. This company is atrocious, steals money, does not abide by the law in issuing required tax forms, and has absolutely no empathy for the pain, suffering, and XXXX caused by withholding money and documents from customers. They give you the run-around, make you feel like a criminal, and will only escalate if you give them the name of the person to escalate too - because they know that customers do not know the names of their workforce. I have spent 10 's of hours on the phone, replying to emails, rounding up countless documents, just to continue to get form response letters and no action. I do not know how to get my tax documents and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: DC
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 hope this message finds you well. I am reaching out today to inform you of some inaccurate information being reported on the consumer report. According to 15 U.S.C subsection 1861 ( b ) you all do not have permissible permission to report anything on the consumer. Also, according to 15 U.S.C you all do not have written or verbal consent to furnish anything on the consumer report. The following accounts that are inaccurate are as followed : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do acknowledge these inquiries as valid. I do not give consent for them to be furnished on the consumer report. Also, if an investigation is conducted, per the FDCPA the furnishing company must provide the information of the investigating agent, they must check with close family friends and neighbor that knows the consumer best and not just accept a false statement solely from a third party according to 12 CFR 1006.34 and 1006.38. I hereby Demand that the inaccurate reports be remove from the consumer report perpetually.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My CD matures on XXXX. I understand maturity to mean being able to get my money back, unless I direct otherwise. TDBank refuses to comply unless I visit my branch or spend time and money in sending a notarized letter. As I am out of the country, I can not visit my branch. As I have the right to get my money back without further action, I do not want to spend effort and money to notarize a letter and rely on the international post to deliver my letter in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
we had to move from an apartment complex because of racism, property of ours damage etc. we got permission from XXXX properties. we left the XXXX XXXX great condition and the XXXX said certain things needed repairs and i know that is not true. i disputed XXXX ( the debt colector they hired ) and they illegally without permission tried charging my bank card but i had the card locked. my bank gave me a notification it was declined. i asked for debt verfication and they gave me an itemized list and one reciept. i told them that reciept for carpet repair was a month after we left ( the borden had their matience worker XXXX who drinks and parties living in that and other empty units. i left the carpet shampooed and clean when we left. the other charges were made up and i told XXXX give me the reciepts and photos of the claimed damage and they provided nothing. the continued to try and collect and pug it on myself and my husbands credit. if we owed the amount then i would not mind paying it however its fraudulent. i will be also following up with a law suit for damages and lawyer fees and also damages that occurred from having to abruptly move from the borden because of the unprofessional workers and damage to my XXXX XXXX crack pipes and homelessness at a luxury property threating XXXX in front of my toddler mold in the unit and illegally not having proper ventilation and non working windows they may have fixed it now but i have videos of when we lived there, heating issues during winter and it took so long to finally fix it when we had out toddler in the cold unit from matience not changing out the thermostat till weeks later and my son occurring doctors fees i have documentation of that as well etc. i have property management im on film acting out aggressively way to often ( briel ) she cant keep a stable personality. i have the paper trail of everything in writing, police reports videos and photos and nakita knows this very well.

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 2023-08-04
Company: JPMORGAN CHASE & CO.
State: AZ
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 am writing to dispute a charge of {$460.00} from XXXX XXXX on my Chase credit card. I rented a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and returned it on XX/XX/2023, XXXXXXXX XXXX. When I returned the vehicle, I inspected it thoroughly and did not see any damage. The Inspection employee was not present, so video and pictures were taken of the car as proof of return with no damages. However, XXXX XXXX is now claiming that I am responsible for damages that occurred to the vehicle while it was in my possession and is refusing to solve the issue. I then contacted JP Morgan Chase who my credit card is under and they are giving me additional problems. 

I am disputing these charges because I am not liable for damages that occurred to the vehicle before or after I had possession ( when returned with no damages ) of it. I have provided supporting documents to Chase, including : Multiple pictures of the returned car 's condition with no damages. 
A copy of my call logs showing XXXX not answering my calls of existing damages not reported in their previous inspection report before giving me the car. 
A copy of photos showing XXXX had moved the car before doing the inspection as the pictures they provided are not the same as the spot I had returned the car. 
I believe that I have provided sufficient evidence to dispute these charges. I am requesting that Chase reverse the charges and issue me a refund. 

Chase has multiple times has denied my dispute and say the charges is valid even though I have provided thorough documentations to prove I am not responsible for the charges. They have then ignored my documentations for a redispute by not reviewing my case till 3 weeks later and then coming to a conclusion 2 weeks later, so I have been waiting for another month just for them to do a additional review. They keep on saying I am arguing about a billing error, but provided a additional letter stating I am not disputing over a billing error, but a damage error. So the person who keeps reviewing my information by the name of XXXX is not reading through my documentations or has a personal vendetta with me and is refusing to change the outcome. 

Both companies are refusing to solve the issue when video and photo evidences was documented and provided. Both companies also suggested to document everything which I did and now they're refusing it. 

If you have any questions, please do not hesitate to contact me. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This phony company called " Discover card Services '' keeps calling my phone, from differnet numbers, they say they want to lower all my credit cards. I have looked them up and it is a scam. I keep telling them to stop calling me but they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear CFPB, it has been a few months since I have dispute this collection account that is not mine with XXXX, Transunion, and XXXX. To date this has not been resolved. 

I solemnly swear that I have not had an account with XXXX  at any moment of my life. 

I had came on hard times because I lost my job and due to this collection account remaining on my profile I was denied for credit products that I would have been approved for. 

CFPB Team, I ask that you support me in the effort to have this account removed for goo so that my credit score can go back to normal. 

I am attaching the letters that I have mailed to each credit bureau to this complaint. 

By law please have these agencies put into effect that this account will be blocked or deleted from my credit profile immediately.

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 2023-03-09
Company: SANTANDER HOLDINGS USA, INC.
State: MO
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:
I have asked this company to send me the contract saying I still have a balance and they keep ignoring my request. It was just removed on my credit report last month and now its back on there again. Its so many things reporting inaccurately with this account reporting on my credit report and its hurting me from getting a new car because its showing up wrong on my credit report. I have asked them to show me where they are getting these balances from because this account was paid off and closed by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: UT
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 Collections account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that i have right to my privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: SYNCHRONY FINANCIAL
State: CA
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:
Dear Consumer Financial Protection Bureau Team, I have an outstanding issue with the received the Synchrony Bank Amazon account since XXXX, XXXX. I closed the credit card due to the Amazon discrepancies in charges/credit needing to be reconciled correctly. 

On XX/XX/XXXX, I replied and faxed my supporting documents to the Synchrony Bank Amazon Account team by certified USPS mail. I also sent the company a Demand Letter, to which they replied that it would take 60 days to have a resolution. So, I waited, and when I did another follow-up, I got the same request for information from Synchrony and reply again on XX/XX/XXXX. 

Attached are the consolidated documents submitted to Synchrony Bank Amazon account department : A recent document requested by Synchrony Bank and submitted on XX/XX/XXXX Demand Letter dated XX/XX/XXXX A letter from Synchrony Bank : We need more Information form dated XX/XX/XXXX, and my reply dated XX/XX/XXXX, USPS registered mail on XX/XX/XXXX A mail letter from Synchrony Bank on XX/XX/XXXX, acknowledging reviewing my inquiries I received a letter from the California State Controller indicating that Synchrony Bank couldnt reach me. I never moved or changed my phone number or email. 

I am requesting a {$1000.00} credit check to be sent to me. I have been getting a run around about my dispute. Please help! 

Thank you for your assistance in this matter. 

Best regards, XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA 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 monetary relief
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: AL
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:
Please note that I am the author of this complaint and all attachments included This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the documents attached. 
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX Account Number : XXXX, XXXX Account Number : 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 2023-06-06
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief