BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NE
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:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to chase for these unapproved credit pull from XX/XX/XXXX, XX/XX/XXXX of XXXX from XXXX, XXXX told me that their were unable to help me with this and I have to reach out to Equifax, Equifax said I should fill out this ftc report for the dispute to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to chase for these unapproved credit pull from XX/XX/XXXX, XX/XX/XXXX of XXXX from XXXX, chase told me that their were unable to help me with this and I have to reach out to XXXX, XXXX said I should fill out this ftc report for the dispute to continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME : XXXX  Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment account Payment summary 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 PAYMENT HISTORY LEGEND Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount {$0.00} Original balance {$4500.00} Monthly payment - Additional info Responsibility Individual account Terms 120 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' DELETE FRAUDULENT ACCOUNT PERMANENTLY AND INDEFINITELY NOW THANK YOU DISPUTE RESPONSE!!!!!!! 

15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Novation Inheritance LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approved on XX/XX/2023 for a {$15000.00} probate advance loan. Papers were emailed to me. I had to hire a notary for {$35.00} to sign for me. Sent them back into the company. Received a call the next day and was told they could not proceed. I asked for a deniial letter and the reason. All I received was a denial letter that they could not give me the loan. I'm in the midst of trying to find housing because of the estate and now and have no money and was counting on this advance to find new housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: FIRST NATIONAL BANK OF OMAHA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my XXXX XXXX with 1st National Bank of Omaha XX/XX/XXXX. 
XXXX XXXX mag made a subscription renewal XX/XX/XXXX. The Bank reopened the account. I called the mag to reverse the charge. They could not refund to the credit card as the account was closed. They sent a check to me. However, this took a billing cycle and I thought the charges would be reversed and I did not pay the bill. 
Other banks decline auto renewals and I get an email requesting I update my billing info. 
This cant happen. How am I supposed to monitor every credit card I have cancelled to make sure they dont reopen them? 
I have wasted hours calling the bank, put on hold, no real resolution. 

I closed the account. They opened it. They are now charging me interest on an item I did not get.

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 2023-08-11
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:
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 non-monetary relief
Consumer complaint received 2023-03-06
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
santander consumer usa deleted the account off my report but its still showing on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXXT Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXXT Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is from the settlement. I just want to make sure that my account gets checked

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 2023-08-11
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXX, 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 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. 
XXXX XXXX all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of BLATANT identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 
XXXX XXXX -XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XX/XX/XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXXXXXXequifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXX/equifax XXXX XXXX XXXX XXXX XXXX XXXXequifax XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: AL
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:
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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-07-31
Company: USCB Corporation
State: GA
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:
USCB corporation is looking to collect a debt that was meant to be paid over a year ago. There are no late payments to backcheck this debt. There are different dates with each credited. XXXX had it on XX/XX/23. XXXX on XX/XX/23 and XXXX on XX/XX/23 if that was not enough there is no payment history from any of these to back this debt up. They have also stated that even if the amount is paid, the collections would not be removed and could not be removed by anyone. I have no contract with this company. Noting saying I have a responsibility to pay this money to them.

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 2023-01-28
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
chase sw visa  closed my account without notifying me i was traveling with my son for hockey tournament and when we got into XXXX my cc which i used to secure rental card would not work we were stranded without a rental car. i called and after XXXX minutes on hold a VERY callous individual got on and basically didnt care at all about our situation. i also have a credit balance on my card as i over paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct erroneous reporting in the file listed on my credit reports. 
XXXX XXXX XXXX Balance Owed : {$15000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: MN
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 and 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 15 U.S.C 1681 section 602.A . States I have a right to privacy.

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

Company response to consumer: Closed with non-monetary relief