BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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 2023-10-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX ( Original Creditor : XXXX XXXX XXXX ) {$630.00} XXXX {$9900.00} XXXXXXXX XXXX  XXXX {$0.00} XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX {$8400.00}

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 2023-11-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Teletrak, I am requesting a copy of my consumer report - attached is your requested form and my ids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX, I received text from someone claiming to be a Chase representative. I have one credit card, an ATM card, and my mortgage with Chase. The text said a charge was made on my credit card and wanted me to verify it. I responded 'no ', then checked my account and saw the charge. The next day I received a phone call from someone claiming to be a Chase specialist and there seems to be activity in my checking account that seems odd. I explained my credit card information had been compromised, so now it seems my debit card was as well. The 'customer service specialist ' said she would cancel the credit cards and have new ones sent within 5-7 business days. She asked if this was my address and bank information, and it was, so I agreed. She thanked me and hung up. When I signed into my checking account on XX/XX/XXXX, I noticed there were 2 strange withdrawals. I called Chase to ask them how these charges were allowed when my debit and credit cards were cancelled. They said they had no record of my cards being cancelled and reordered. So, the 'fraudster ' who claimed to work at Chase that called me stole my information and started making purchases. The first in my checking acct was {$400.00} and the second was {$2000.00} which caused an overdraft and fees. I explained to the Chase representative ( there were 4 that I spoke to over the course of an hour ) that these were not my withdrawals ( one was an electronic withdrawal 8 hours away from where I live. ) The final representative said there is nothing she can do to refund my account except for the {$400.00}. I went into a branch on XX/XX/XXXX to speak with a banker in hopes the fraudster did not have my checking account information. He assured me the withdrawals were done using my debit card ( which was in my wallet ). He called the home office for Chase and after another hour received the same answer as me. 'I can not be refunded the {$2000.00} '.

When I looked at his computer and saw all these random charges in my checking account, but they were all denied by Chase. If these charges were denied, why would the other 2 be successfully withdrawn when there was a fraud alert on my account. I was supposed to be contacted by Chase to discuss the situation again, but never was. All I am asking for is the {$2000.00} be refunded to my checking account. With all the money I spend with Chase credit cards, and my mortgage, I am appalled that the company would not take my side. I was completely taken advantage of and am a victim of ID theft. I filed a police report/complaint, filed a complaint with the FDIC, and they said I had to deal with CFPB, and they would forward my original complaint. I have not heard anything back yet so am hoping you can help me. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am extremely frustrated with XXXX, Equifax, and XXXX, the credit bureaus. Over the past year, I have sent multiple letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, informing them of inaccuracies on my credit report. However, they have not responded to my requests or taken any steps to ensure that my credit report is accurate. I have submitted copies of the letters I sent regarding the issue. I demand that XXXX, XXXX, and Equifax remove the incorrect details from my credit report, as they have violated my consumer rights. Their lack of prompt response and provision of imprecise information is a significant error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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 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 2023-02-28
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX 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 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have 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. 
9,102. Im exercise in my right.to opt out of having these accounts reported to my consumer report. The line of credit I have with vour companw, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 
List Name of the accounts with high Utilizations and late payment transactions XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subiect to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ Put creditor name here that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction and experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: ARVEST BANK GROUP, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX we financed 4 trailers through ARVEST EQUIPMENT FINANCE. 

In XX/XX/XXXX we sold 2 out of 4 trailers. ARVEST provided the Authorization for Payoff, and received funds to close the account for two trailers. 

In XX/XX/XXXX we've been notified by the purchaser of the 2 trailers that they've never received the titles. 

We contacted ARVEST and found out that ARVEST has never closed the loan for the 2 trailers sold, and kept on charging us same monthly amount ( as for 4 trailers ).

When we requested clarification, ARVEST explained that they were not informed that we wanted to close the loan for 2 trailers, and instead, ARVEST applied the funds to the principal balance on the loan. This is not the way the agreement was. 

Finally, after pointing to their mistake, ARVEST sent a revised fee schedule, in XX/XX/XXXX. However, Arvest never refunded the overcharges that were placed on our account since XX/XX/XXXX. 

To all my multiple requests, ARVEST is replying with conditional actions : " we will release the funds after we receive a copy of the title '', " we will release the funds after we receive a copy of the insurance '', " we will release the funds after we receive the coverages from XXXX to XXXX '' and so on... That's not how it has to be. Our overcharges has to be release right away. And if they have other requests, then we can address those.

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 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting 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, this creditor has violated my rights under 15 USC 1681 Section 602 A. Section 3, which states, I have the right to privacy as well as 15 USC 1681 Section 604 A. Section 2. Which also states, a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b which states, a creditor may not treat a payment on a credit card account under an open consumer credit on a 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 explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 IN - XXXX - $ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX {$680.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-07-16
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:
I have lived and worked in XXXX XXXX since XXXX and the only accounts that I have are student loan accounts. Between XXXX and present, someone has stolen my identity and used it to build credit and then take out high value credit cards, run up the balance, and then have them go into collections. XXXX as used to build up this credit. Bank accounts for were opened in my name, phone and utility accounts. 

XXXX  refuses to admit fault in allowing these these accounts to be fraudulent accounts. I have filed police and ftc reports. They just keep saying public information points to these being accurate but my entire identity Ive true past 7 years has been a fraud as I simply dont live in the XXXX XXXX All my credit is in XXXX XXXX where I live and work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 have an account with XXXX, which was paid as agreed. I closed my checking due to a fraud issue and had to file a complaint to get the company to allow me to update my bank account so I could pay my payments. This resulted in me being late. I made payments and updated my account which is now current, however, on my credit reports it shows as late with no payments. In addition when I logged in today my account shows as charged off. Im paying the debt and I was never informed my account was closed or charged off.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-16
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:
You are in Direct Violation of The Fair Credit Reporting Act, has violated several of my rights. 

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

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold {$1800.00} worth of XXXX on PayPal. The account was frozen for 180 days. I was supposed to receive the money after 180 days but they are still not releasing it. The money belongs to me. It is mine. PayPal needs to give it to me so I can transfer it to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

Company response to consumer: Closed with explanation