BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2015 we sent Chase bank a letter requesting, under the XXXX XXXX XXXX, part of RESPA, a " qualified written request ''. Chase responded they do n't recognize our current address and asked us to send them a signed letter verifying our current address which we did, along with another copy of the original letter on XXXX XXXX 2015. They responded with same request for us to send address verification. 
We have done so. If you look at our credit reports our current address shows up, if Chase does not believe us a soft inquiry to our credit report would solve the problem. They have done these inquiries in the past. It is obvious they are avoiding us and breaking the law which REQUIRES a response in 20 days. They are intentionally causing us harm and we believe part of it is because we are a XXXX XXXX family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
Called and asked if we accept credit cards ( our business ). And asked if we accept American Express. The. Hung up. Called back and voicemail claiming to be American Express. 

Phone number that called me is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 with product or service terms changing

Complaint:
I have couple of hard inquires that I haven't done. This are the following ones that I have seen in my credit report. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: EQUIFAX, INC.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 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.

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 2022-05-13
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:
In accordance with Fair Credit Reporting act 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 has violated my rights.

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

15 U.S.C. 1681 section 604A 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with Fair Credit Reporting act 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, has violated my rights.

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

15 U.S.C. 1681 section 604A 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 2017-05-23
Company: Experian Information Solutions Inc.
State: CA
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 now for several yards tried to get assistance and have removed the incorr t information on my credit file. Experian is the only credit bureau reporting this incorr t infirmI and fortunately I have had success in getting it remove from the other ones already. This credit card from  XXXX   XXXX  they are reporting ngative and as a charge off on my credit file ; does not belong to me. Is is identity theft and fair and  XXXX   XXXX  knows and has been noticed as well as Experian credit agency but they will not rly and or roc this incorrect and negative Informstion. I have sent them numerous requests and this has been ongoing for years now.

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 2020-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC 54XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter from XXXX  XXXX credit Card about an account number being changed. It stated all payments must include a new number. They would withdraw payments from my account after XX/XX/2022 I have never had an account with XXXX XXXX credit card. When I called the number XXXX at first I only got a recording telling me if I got a letter regarding changes in the account that everything had been taking care of Them I called again I got a representative go tried to get tried to get more personal information from me. I refused and told them this was fraudulent activity and I was reporting this company and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, I disputed XXXX accounts with XXXX XXXX XXXX XXXX and there were deleted from my Equifax credit report. I have a account with XXXX XXXX and I just check my report today. Now my report is showing XXXX charge off account with XXXX XXXX XXXX XXXX. I 'm thinking is this a joke. Why investigate negative information that do n't belong to you and it gets deleted and within 2 months it appears back on your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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: Information belongs to someone else

Complaint:
I am XXXX XXXX submitting this complaint against Equifax Inc and there is no third party involved. Equifax Inc. is reporting inaccurate items on my credit file and I am attaching exhibits showing the inaccuracies for you to open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have requested online my credit reports from the XXXX bureaus for myself and my wife on XXXX XXXX on XXXX. I received a message for Equifax that they could not provide my credit report due to technical difficulties. I went back three days later to pull the missing reports again and was told that I was not eligible to receive the reports since I already requested them. I then wrote to XXXX, who then sent me a letter stating that they could not help me and I had to take up the issue individually with each bureau. They only provided mailing addresses, no phone number, or email. The credit bureaus ' website also did not provide any contact information besides mailing addresses. It is very costly for consumers to have to deal separately with each credit bureau in order to get the reports that they are due by law. 
In addition, I have been trying to verify the credit freeze status of our reports and this has proven impossible. We have had freezes put on our reports in the past for security purposes, but these have been lifted temporarily when we were getting a mortgage and I wanted to verify that they are in place. As far as I can tell, the only way to be sure that our reports are frozen is to pay to refreeze them and that just seems plain wrong. 
On a more general note, it is disturbing that there are these credit bureaus out there that amass information about me, whose information provision has a substantial impact on my financial life, yet who make it tremendously difficult for me to actually contact them or communicate with them. 
Please note that I have filed a related complain with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax has continued to report a judgment on my credit despite providing proof that it should not be reporting on my credit file. This has been disputed several times and was removed from my file but reinserted several months later. I have recovered documents from my complaint against XXXX XXXX with the Maryland XXXX admitting that they agreed to completely absolve me of the debt, vacate judgment, cease credit reporting of the debt and stop harassment in exchange for {$3000.00}. I explained this to Equifax numerous times and they have continued to report this judgment even after being provided proof of me being released from liability and connection with the loan and judgment. The loan was joint and collections are currently against the other party and not me. There is a clear statement from the creditor admitting they did not save the written proof but verbally agreed to exonerate me of any and all reporting and collecting including the judgment. There is now written proof of agreement. 

Equifax is also reporting the erroneously entered collection account ( XXXX XXXX XXXX XXXX XXXX ) as a revolving account and it is updating as 30 days late every month. Why exactly is a wrongfully entered collection account reporting every as a 30 day late revolving account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
My wife and I purchased a dishwasher in-store and it was to be delivered in 7-10 days. About a week later, Sears called and said the dishwasher that I ordered was not in stock. They said they were going to cancel the order unless I wanted to wait 3-4 weeks for it to be ordered and shipped to the store. I needed it ASAP so they canceled the order and refunded me the money of the dishwasher and delivery fee 100 %. 

However, they charged me a {$140.00} restocking fee. They did not have the product in-stock to be able to restock it. I really wanted the dishwasher, which is why I bought it, but they ultimately did not have it. 

Also, they had me sign-up for the Sears Shop Your Way Mastercard to get a discount. So I did. After they refunded me the money, I received a credit card statement with the {$140.00} charge. I disputed that with Mastercard. A couple of months later I found out that they sided with Sears on the restocking fee. No notification had been sent to be, it was only when I contacted Mastercard again. So I opened another case. 

I had a XXXX credit score, but due to a missed payment ( my only one ever ) for this purchase with Mastercard, my score dropped 110 points for something that I am not responsible for. 

They then said to call Sears, which I have probably done 50 times and they just keep passing me off. Then they said to go into the store which I purchased, which was closed for 3 months due to the pandemic. When they finally opened, they had no information on my order. 

My wife finally spoke to someone on the phone that was able to find my order information and original receipt and they said that I signed saying that there would be a restocking fee if canceled. 

Again ... .I DID NOT cancel. Sears canceled because they could not produce the dishwasher that I had purchased in the store.

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 2016-05-03
Company: International Computer Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My brother passed away & his mail was forwarded to me. Collection agency ( admittedly ) cross-referenced his name with my address and put one of his debts on my credit report as a collection. I demanded that they remove it, but it is still there as a 'past ' collection. I reported it to the IL AG and she has n't heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all XXXX major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX CB 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX account # XXXX they are not showing my updated balance they need to show I have made payments or show paid in full. 
XXXX XXXX account # XXXX this is being reported incorrectly very simple investigate and updateXXXX XXXX account # XXXX they are reporting this incorrectly and need to investigate and report correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On more than one occasion, my bank has charged my wife and me an overdraft fee on our joint checking account without an actual overdraft occurring that we can see in our records. When this " overdraft '' occurs, the bank puts charges our bank credit card, although we are not overdrawn. In addition, we are charged a separate overdraft fee. When this happens, we are required by the bank to come to a branch and show that our account is not overdrawn, and the bank takes the charge ( s ) off the account. We have been dealing with this for approximately three years, and it 's frustrating and time-consuming. My real concern now -- and the reason I am contacting you now -- is that the bank is most likely making the same unwarranted overdraft charges to a lot of their other customers. This most recent time I captured a screen shot photo of our account showing that there was still sufficient funds and their activity including charges ( see attached ). Thanks,

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 2022-05-14
Company: Diversified Adjustment Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 I contacted the three major credit bureaus I had a few accounts under my name along with some debt that did not belong to me however XXXX agreed to take the debt off of my credit report on XXXX XXXX AND ON XX/XX/2022 I received a letter in the mail from XXXX letting me know that I owed XXXX to them I contacted the company and told them that I dont owe any dead is that my identity has been stolen twice within a two year frame The company claims that they sent it to a secondary company and now they are harassing me about it then the representative proceeded to tell me that I should file a police report and submit a complaint on XXXX they gave it to a company named diversified adjustment service Inc . The company before was XXXX XXXX XXXX  they deleted it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation