BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: JPMORGAN CHASE & CO.
State: AR
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:
Overall, i had 4 accounts compromised. XXXX, XXXX mail ( my email : XXXX ), my credit card on Chase XXXX, and a attempted login on my gmail ( XXXX ) and XXXX fraudulently account made on XXXX. I had 3 large unauthorized / Fraud purchases made on my credit card on XX/XX/XXXX on a compromised XXXX account of mine. I have filed a dispute with Chase XXXX, however, they are telling me that the fraud department will reach out to me, they have called XXXX time and unfortunately missed the call and they have not called me back despite requesting multiple call backs. Additionally, they sent us the justification and compelling evidence on why they are closing the dispute but the reports are not readable. I can not legally confirm anything they have sent because the proper written documentation Chase XXXX has sent over is not legible. I requested for the case to remain open until we can properly investigate, but Chase XXXX has decided to close the case despite not providing proper written documentation. 

I repeatable told XXXX XXXX Chase ( XXXX ) that they could not legally close this close since they had not provided legible information and requested more copies however he said they are closing the case and they did not find the phone call and information productive. Chase is operating illegally and mismanaging me with my fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I did a wire with Wells Fargo bank using the same exact template that I saved in their system to Wire money in the past so that I can purchase products for my business. The wire per Wells Fargo should arrive by XX/XX/XXXX but they never send the money to the recipient and I file a claim to return my funds. I was given a complaint number but they kept giving me inconsistent response regarding when my funds will be returned. 

When I tried to transfer the rest of my funds to my other business account after I verified the account was mine they decided to completely shut me out of the system even after I received a call from their rep to verify the transaction. As of right now I do not even have access to my account at all and Ive tried several times to get help so that I can just have visibility to my account to see whats going on but still theyre not allowing me. I had about {$15000.00} at the time they lock me out. I initiated a {$10000.00} transfer which I believed triggered them to lock my online access which is still pending in the other business account at a different bank and Im afraid theyll not release the hold on that XXXX too and theyll just try to con me out of my clients money My wire that I initiated was for {$25000.00} and I need my funds back to continue doing my business.

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 2023-07-21
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: Reporting company used your report improperly

Complaint:
Student loans are considered " education records '' under FERPA. This means that they are protected by the privacy provisions of FERPA.

FERPA generally prohibits the release of education records without the student 's written consent.

The federal government guarantees most student loans. This means that the government will repay the loans if the student defaults. Therefore, there is no need for private credit reporting agencies to have this information on their credit reports. 

Reporting student loans on credit reports can have a negative impact on students ' credit scores. This can make it more difficult for students to qualify for loans and other forms of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
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:
There are information on my account that I have been disputing with them for the longest. The charge off/ collections most importantly. But they have said they verified the account and how when the account have been settled with the IRS and paid for little to nothing. 

15 US code 1666d ( a ) 15 US code 1681 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 US code 1681b ( a ) ( 2 ) 15 US code 1681 ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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 recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: TX
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:
This is the my second complaint with Equifax regarding their incorrect reporting of credit information from XXXX XXXX. The first was filed on XX/XX/XXXX XXXX. XXXX. Equifax responded on XX/XX/XXXX claiming that XXXX XXXX, the creditor, had verfied that the current status, prior payment history and balance were all reported correctly. Equifax today stills shows the negative ionformation regarding years of late payments to XXXX XXXX and charge offs on my credit report. 

However, in a separate complaint I filed on the same date, XX/XX/XXXX, against XXXX XXXX. XXXX, XXXXXXXX XXXX  responded in a XX/XX/XXXX letter apologizing and admitedly it was their bank 's error that had created the entire problem and critically that I had paid my account timely and in full before ever receving a statement on XX/XX/XXXX but my check was posted to an incorrect account. XXXXXXXX XXXX  stated they had 'requested the credit reporting agencies update their records to report a XXXX balance, remove the reported delinquencies, and report the acount as " closed by the customer. ' '' See XXXXXXXX XXXX repsonse in XXXX. 

Equifax 's claim that XXXXXXXX XXXX verfied all negative information was filed well AFTER XXXXXXXX XXXX  letter admitting fault and that the reported information was baseless and inaccurate and calls into question not only the accuracy of Equifax 's response but its truthfulness as well. Equifax was provided with a copies of the front and back of my check to XXXX XXXX which paid the balance of the account in full yet chose to ignore them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: FORD MOTOR CREDIT CO.
State: NE
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:
FORD MOTOR CREDIT CORP Inquired on XX/XX/2021. An authorized inquiry on my credit report that should be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: OK
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 # XXXX, Account name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Radius Global Solutions LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I provided a payment voucher to XXXX XXXX for lab work. The payment voucher was provided by XXXX XXXX. The voucher was accepted by the lab technician. In XXXX I received a bill from XXXX XXXX for {$370.00}. I reached out to XXXX XXXX and spent the next XXXX months trying to get confirmation that a voucher had been provided to me for XXXX XXXX. On XX/XX/2022 I received confirmation from XXXX XXXX at XXXX XXXX that " confirmation has been received that the account has been updated and your account should reflect a XXXX balance within XXXX business days. '' I did not receive additional billing from XXXX so believe the bill had been paid. On XX/XX/2022, XXXX XXXX sent me to collections with Radius Global Solutions. On XX/XX/2022 I received a collection notice from Radius Global Solutions. On XX/XX/2022 I sent an email to XXXX XXXX asking for documentation that XXXX XXXX had been paid. As of today, XX/XX/XXXX, XXXX has not replied to that email. On XX/XX/2022 I called XXXX XXXX. XXXX was not available but I spoke with a different representative who said they were going to put a request in to billing for confirmation. I called XXXX XXXX again on XX/XX/XXXX as I had not received a response. I spoke with XXXX XXXX who said their billing department had been in contact with XXXX XXXX and were waiting for them to send confirmation. She was unable to provide me payment confirmation. On XX/XX/XXXX I called Radius Global Solutions and disputed the charge. I also sent an email to the dispute department and include XXXX and XXXX in the email, asking them to provide confirmation of payment. I want to report both XXXX XXXX and XXXX XXXX for financial negligence. I used a voucher 5 months ago and continued to be harassed for payment by XXXX XXXX. XXXX XXXXXXXX has not done due diligence to ensure payment has been received and reflected on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/XXXX, I made a payment to my capital one credit card for {$100.00}. On XX/XX/XXXX capital one posted my direct deposit payment for {$1000.00}, I received an email from capital one bank stating that my capital one credit card payment that was submitted on XX/XX/XXXX was returned for NSF. On XX/XX/XXXX I called capital one bank at XXXX and the capital one rep I spoked to stated that the payment was returned on XX/XX/XXXX for NSF, which was a out right lie because I have the communications sent to me by XXXX XXXX that the payment was presented on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: GA
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 truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being lat

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'm victim of Identity Theft, my personal information has been stollen and as a result I got hard inquires on my report that I have never authorized. I have Filed FTC report and included in this matter. I'm not using any third party for this matter. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
Here are these hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 I know my rights very well, please remove these items from my report as soon as possible.

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 2023-07-21
Company: EQUIFAX, INC.
State: NJ
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 highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: AR
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions 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:
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 XXXX Credit Card, XXXX XXXX XXXX XXXX and XXXX has violated my rights I have no accounts attached to these inquires and have not requested. I also reached out to the credit bureaus and have not received any assistance in these matters. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 take a look at the attached letters and ID docs for verification that it is I 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 2023-07-21
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation