BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 U.S.C. 1681. XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX  Acct. # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section2 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 and 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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXX XXXX XXXX, XXXXXXXX XXXX  SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating " they do not report any bankruptcies to anybody. So if that's the case, how did the credit bureaus validate my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 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 2022-10-24
Company: CBC Companies, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM UNABLE TO PLACE A SECURITY FREEZE FROM INNOVIS WEBSITE, THE WEBSITE IS PROMPTING ME TO SEND A LETTER, I HAVE SENT THIS COMPANY NUMEROUS LETTERS, THEY ARE REFUSING TO RESPOND.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
report shows disputes resolved noting accounts closed through bankruptcy and never late yet report not updated with disputes results Status= never late

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 2022-10-24
Company: Experian Information Solutions 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/XX/2022.

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 2018-05-25
Company: WELLS FARGO & COMPANY
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a oven on XX/XX/XXXX with a Wells Fargo credit line. This was a no interest credit line if paid in full within 12 months. I did not receive a bill during the first week of XX/XX/XXXX so I went to their online billing site and submitted a payment of {$1000.00} on XX/XX/XXXX. I get paid once a month on the XX/XX/XXXX so that is when I pay all of my bills. I did not receive a bill for XX/XX/XXXX by the first so, once again I submitted a payment online for another {$1000.00} on XX/XX/XXXX. The same thing happened for the month of XX/XX/XXXX. I submitted a payment online for {$1000.00} on XX/XX/XXXX. When I finally received my billing statement in the mail on XX/XX/XXXX there was a late fee of {$27.00} added. I telephoned the Wells Fargo customer service number and spoke with a young women whose name I did not catch ( English was a second language ) and was told that due to the billing cycle, I was being charged a late fee because I was paying too early. I said that I would not pay a late fee for paying too early and expected it to be removed. She had to discuss this with her supervisor and after, I was told that it would be removed this time but that I needed to adjust my payment date. Apparently this is another way for Wells Fargo to steal from their customers. Who ever heard of being charged a late fee for paying too early? I believe Wells Fargo needs to adjust their billing cycle. This is the most ridiculous thing I have ever heard. I will be calling every month to have this fee removed ( extremely inconvenient ) and I will NEVER recommend Wells Fargo to anyone for anything and will certainly NEVER EVER use their services again.

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 2023-01-15
Company: STATE EMPLOYEES CREDIT UNION
State: SC
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:
State employee Credit union XXXX XXXX XXXX XXXX In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2021-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Hello, Bank of America has recently started charging a {$12.00} " maintenance fee '' on my savings account without informing me of these changes. I have had an account with them for over 20 years. This is an obvious cash grab I do not understand how the banks can just start taking money out of our account. This is not banking, this is stealing. Can banks just decide at will to literally start stealing customers money at whatever amount they decide? How is this legal?

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 2021-08-04
Company: Experian Information Solutions Inc.
State: PR
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 in my credit report two credit cards ( resolving ) accounts from XXXX XXXX  who belongs to my brother and are not mine. I requested an investigation through Experian without success. Please validate the SS number under these two credit cards, whos didnt match my SS number. The accounts are XXXX of {$3300.00} credit limit and XXXX with {$1500.00} of credit limit. The second name of my brother is different from mine. XXXX XXXX XXXX XXXX and I am XXXX XXXX XXXX. Thanks, 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 2022-12-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX at XXXX I went to pay {$950.00} to my Chase Freedom Credit card. I used the atm located inside the local Chase at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. During the transaction the atm gave me a reciept stating that and error had occured while process the payment, " It looks like there was a problem completing your payment please call XXXX XXXX XXXX for personal credit cards and XXXX XXXX XXXX for business credit cards cards XXXX. '' The next day I went to speak with a banker by the name of XXXX XXXX. She was very helpful and submitted a form and gave a confirmation number, " XXXX - XXXX ''. On the confirmation page there was a number that I called and they told me they recieved my complaint and would investigate. I got a call 5 days later, the representative asked me to verify the particulars and told me that the case is still under investigation. Throughout the time the case is under invesstigation i go back to the locate bank and ask what is being done with the account as it should not reflect the {$950.00} that was paid. The bank temporarily credited the card XXXX but as on today XX/XX/2022 the account still reflect the {$950.00} as not being paid. This entire ordeal is unnecessary and very inconvienent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: Experian Information Solutions 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 XXXX ; XXXX  XXXX  ; XXXX XXXX ; XXXX XXXX XXXX and 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. Also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-08-24
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Hi team, The fraud has been done on my credit card of amount XXXX XXXXXXXX and XXXX XXXXXXXX on XXXX XX/XX/2022 and I have immediately report the incident to the bank and blocked the card. 
The customer care member told me not to lodge a complaint as they will check and now after 5 days they are saying that its a secured payment so they cant do anything. But as per XXXX guidelines if you complaint within 3 days they will refund all my money. 
Please look into this matter and take action as its not a small amount for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSWORLD SYSTEMS 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:
On XXXX, Transworld Ststems filed a collections notice with XXXX credit reporting agency for {$490.00} on behalf of XXXX XXXX. We have disputed that this account was never a credit account. It was pay-as-you-go medical account. I had to negotiate a price and pay at the end of the session. I never asked for credit. Despite this, 6 months after my last visit I received a bill for {$490.00} with no explanation. Transworld sent several letters to a different address where we were living and after requesting documentation showing why I was responsible, I never received a response. Instead they filed a collection account with XXXX. Instead, every month, XXXX increases the amount due by {$4.00} per month. I have disputed this technique to intentionally damage my credit rating but XXXX has always sided with Transworld without providing documentation of this alleged credit account. I was never presented documentation that shows I signed a credit account with increasing monthly balance. As a professional in the financial services industry, the medical forms I filled out did not properly disclose the creation of a credit account with an interest rate. I need your help to have this account removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-24
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: 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 XXXX and XXXX 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 account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX, has violated my rights. 
I have informed the consumer reporting agency that several rights have been violated by them publishing this account on my report. Certified letters were sent. 

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 Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) .EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject 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 ; Delete this account from my consumer report. This company is in violation of 15 U.S. Code 1681.

Company response to consumer: Closed with explanation