BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: PA
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:
There are incorrect addresses on my credit report along with incorrect places of employment. This is hindering my ability to get employment. Also there is an incorrect last name on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of fraudulent charges. I tried to fix this problem with JP Morgan Chase Bank on XX/XX/XXXX. I sent them a formal request for removal of fraudulent items that were found on my credit report, which they disregarded and didnt act to remove the accounts. This is a violation of the California Credit Reporting Act and the FCRA. I've done the hard work, checking accounts against records and this accounts are fraudulent. So I want those items to be removed/blocked from my credit reports. Please help me to solve this issue. The accounts I am writing to you about is listed below : 1 ) Chase ac # XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off. 

2 ) Chase ac # XXXX, Date open : XX/XX/XXXX, acc closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off. 

3 ) Chase ac # XXXX, XXXXcc open : XX/XX/XXXX, acc closed : XX/XX/XXXX, balance : {$0.00} status : Charged Off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
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: Investigation took more than 30 days

Complaint:
OnXX/XX/XXXX you responded to complaint # XXXX  which was a challenge to a prior complaint : On XX/XX/XXXX I filed a complaint # XXXX against your company for reporting false information. You had 30 days to complete this investigation. You responded on XX/XX/XXXX that the investigation may take up to 30 days. It is now XX/XX/XXXX and the investigation is not complete and you have not provided any verification. You must now delete the accounts in dispute for being falsely reported. Your failure to delete these items due to the fact that your investigation took more than 30 days is a clear and indisputable violation of the FCRA. If they are not deleted immediately, I will be filing a lawsuit in circuit court, not small claims, for defamation.
<P/>
The accounts are 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX. These are all reporting false information. You are in violation of 15 U.S. Code 1681i and 15 U.S. Code 1681a.
<P/>
You responded that you have verified the information in the complaint, yet you do not provide any written proof to support your claim. The court system does not take your word for it and neither do I. You took more than the allotted time of 30 days to complete an investigation and you went over that. You violated the FCRA and you 're not getting away with it. You leave me no choice other than to take this mater up in court. I have given my attorney the go ahead to file the suit. If in the meantime, you should decide to come to your senses and delete the accounts, I will drop the suit.
<P/>
I am publishing all of the complaints on a well known website as well as social media and printed news about the way this matter was handled with XXXX auto responses and by a live human.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Recently a '30 day late ' appeared on my credit reports with TransUnion that I noticed in XX/XX/XXXX. I  disputed this item because I was not late. The vendor is XXXX XXXX XXXX XXXX XXXX which was merged into XXXX XXXX XXXX XXXX XXXX around 6 or 7 years ago. The '30 day late ' appears as a XXXX XXXX XXXX XXXX XXXX but the same loan has no negative marks when it was converted to a XXXX XXXX XXXX XXXX XXXX loan some time around XX/XX/XXXX-XX/XX/XXXX. This '30 day late ' also  cause my credit score with TransUnion to drop 109 points in Late XX/XX/XXXX or early XX/XX/XXXX.  Since XXXX XXXX XXXX XXXX XXXX does not exist it is in my opinion that XXXX XXXX XXXX XXXX XXXX need to correct this '30 day late ' issue by removing it from my file and TransUnion needs to fix my credit score that recently dropped 109 points. The late appears sometime in early XX/XX/XXXX in either XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. Different reports have different dates. 
Thank you, XXXX XXXX XXXX, XXXX, MN 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 2021-06-15
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To whom it may concern : We are filing a complaint against a First Citizens Bank to know the true reason for our account closure. 

We were contacted one-time, by certified overnight mail XXXX XX/XX/2021, that our business account would be closed XXXX XX/XX/2021 because they can. The letter entailed, " ... First Citizens Bank reserves the right under the terms of its deposit account agreement to close a deposit account at any time for any reason. '' There letter read, that they, on multiple attempts, attempted to contact us. This can be proven to be not true. 

We contacted XXXX XXXX, Area Vice President & Area Executive XXXX  XXXX XXXX XXXX, XXXX XX/XX/2021 with questions regarding our account closure. He explained that our account had been under review and that there were multiple red flags. Never being made aware of any review, we asked for proof of wrong doing. 

We banked with this Organization for over three years and had very limited communications due to our account never having issues. 

On XXXX XX/XX/2021, XXXX was approved to extend the termination of our account through XXXX XX/XX/2021 and still offered no report to support the accusation that there were multiple red flags. He said their finding are for internal use only and he is not allowed to provide us with any support for their accusation. 

We believe that our account was close in retaliation to one the Partner 's spouse quitting her position at First Citizens Bank located in XXXX, Washington. 

Because we are a XXXX XXXX XXXX, we fear that XXXX might have played a part in the quick and unprovoked closure of our account not considering we might stand up for ourselves being small business owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: General Motors Financial Company, Inc.
State: TX
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:
My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in XXXX   Louisiana. XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax lost all my information and is not being helpful.They sent me a letter telling me my address was changed and I did not change it. Gave me a XXXX number to call and it was in the XXXX!!! I do n't want to talk to someone in the XXXX about my social security number and credit info that Equifax lost do to there data breach!! Then to be asked to have to pay to put a credit freeze on my accounts with the other agency 's is a insult as is the one year credit monitoring as this is a life long loss my social security number, birth date, credit cards. address and license number id for life not one year and I would never use that companies monitoring service as they have proven they cant be trusted with personal information!! I work in a industry and have to keep personal information safe and if I do n't for every peace of information that gets out its a {$10000.00} dollar fine!! Why are n't they held to the same standards!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I called them and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the ( 3 ) bureaus to fix this issue, but I have not been successful. This negative reporting is harming my credit score and these line items needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
A friend and I traveled to XXXX via XXXX XXXX in XXXX  2017. Her and I both visited a merchant on the beach selling photos and frames. Her and I both bought the same photo with frame for {$47.00}. We both swiped our cards and left the store. Upon returning home, I checked my bank statement ( my card was a checking account, not a credit account ) and was shocked to find the original and legit charge for {$47.00} but also an additional charge for {$240.00}! I immediately called my bank to dispute the charge, as there was no way I returned and bought any additional items. I also called my friend to warn her. This guy double charged her also and I have proof. Her bank reversed her charges, as did mine. But 2 months later, I receive a letter stating my request was denied as the merchant has sent in my signed receipt. I was shocked, as I know it could n't be mine. Impossible! ... When I finally saw the receipt in question, I was shocked! It is 100 % NOT MY SIGNATURE. I am floored my bank is accepting this and giving him my money. They say they want a copy of the original receipt for the correct charge of XXXX. Of course I do n't have that. I am NOT disputing the XXXX!!! The charge after the fact of {$240.00} is what I did NOT authorize. Plus, the receipt says XXXX pesos. That does n't even equal XXXX ... Please look at my signature! It 's been the same for years. And look at the forged receipt. Not even close! ... The " XXXX '' is wrong! The " XXXX '' is wrong! The 1st or 2nd " XXXX '' is missing! The " XXXX '' is a loop and never has been! The " XXXX '' looks like a 5th grader " XXXX '' ... My " XXXX '' has NEVER EVER been written like that! ... Please please help me!!!
100 % FORGERY ... I will swear my life on this! Plus, I have a witness that was stolen from on the same day and time!!! I have all proof ...
Also, I XXXX  the merchant in question. Company and/or address does n't even exist ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: NJ
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 have tried to repeatedly to register with Equifax for their " trusted id '' credit monitoring and to freeze my account. I have repeatedly gotten notices to activate the services and repeated gotten error or system unavailable messages when I follow their instructions for activation and freezing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: NC
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 was an incorrectly reported 30 day late payment on a XXXX XXXX  revolving account. I spoke with the creditor who told me what to do ( go through the dispute for it to be corrected. ) On XXXX/XXXX/2017 ( # XXXX ) I disputed as instructed, investigation was completed on XXXX and it was corrected. ( Screen shot of correct reported attached ). However, after this was completed and corrected, Equifax re-added the 30 day late. I have continuously tried to get them to fix this to no avail. I do not believe that Equifax is investigating and reporting the correct information as should.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: JPMORGAN CHASE & CO.
State: MA
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:
FRAUD charge on credit card for a painting contract for painting not completed. Chase is aware of contract not being fulfilled via written description from me along with photographs. Chase choose to ignore NOT completed contract and charge credit card anyway. Details : We signed a painting contract with XXXX XXXX, XXXX, MA. We moved out of our house so that XXXX XXXX could complete the job. Valid deposit made at project beginning. Many weeks into the project XXXX XXXX called us and said the project was complete and that they were charging the balance of the contract amount due. We returned a few days later to find project not completed. We notified Chase who have allowed FRAUD charge to remain. Chase choose to ignore the proof that contract was NOT completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: LEXISNEXIS
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:
I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Checkr, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had applied for XXXX on or around XX/XX/2021 and XXXX on or around XX/XX/2021. Both companies obtained my background check through Checkr. Checkr in both reports incorrectly reported criminal charges that were withdrawn in court preventing me from obtaining employment both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Reliant Capital Solutions, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Both XXXX XXXX XXXX  and some company called XXXX XXXX continue to pursue me for an alleged debt ( which I dispute the validity of ) that is past the statute of limitations in the XXXX XXXX XXXX XXXX XXXX XXXX continues to hold my student records and transcripts and sends my information to this company every time I try to resolve issues with my unfinished degree. They're now sending e-mails to accounts that other parties other than myself have access to and disclosing the alleged debt amount in said e-mails. The alleged debt is from nearly a decade ago. It is no longer on my credit report, and I continue to dispute it. I have not had any success in resolving this issue with them. I tried to speak to them about this in person back in 2013 but the woman in the office used a XXXX slur about my XXXX background and appearance, so I have not felt comfortable speaking to them in person about this since. I've tried other methods, but keep running into walls. I do not know what to do. Will they be contacting my grandkids to tell them about this as well? I just wonder when it will end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Receivable Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Collection charged appeared on my credit from XXXX XXXX. I contacted the dentist office last year advising them that my child had to have the braces removed because he complained about the pain. The braces were removed. He has not have any services in over 18 months from this dentist office. I left with a XXXX balance. I never received any calls, emails or letters advising of a debt. A debt appears on my credit with no fair warning or communication. There was not a balance when we left this office. Please remove this fraudulent balance from my credit report. The amount is fraudulent. I do not owe anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Abrahamsen Ratchford, P.C
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2020 I was approached but someone from Ratchford Law Group PC at my residence. I was handed a letter and was told that I was being served and that I had to make payments or criminal charges would be brought against me. The letter states that I owe XXXX XXXX XXXX {XXXX}. Under ( 15USC1692f ) a debt collector may not use unfair or unconscionable mean to collect any debt! This is the first violation. The second violation with this is ( 15USC1692e ) false or misleading representation. This letter states I owe {XXXX} but my credit report states I owe XXXX XXXX XXXX XXXX This is a clear violation and shows that this company is attempting to collect a a false amount from me that is not owed or had been validated. Under ( 15 USC1692 ( d ) no debt collector can engage in any type of harassment to abuse to any human with the collection of a debt. As I stated, someone from this company was at my home and threaten to purse criminal charges if I did not pay. Furthermore, this letter also has many violations of my consumer rights. Please find this letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Convergent Resources, Inc.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received an email from a co-worker yesterday stating an automated call came to her for a XXXX XXXX XXXX. That is my maiden name. My colleague 's email to me is below : " Does you maiden name happen to be XXXX? I had an automated call today asking if I was XXXX XXXX XXXX press 1, if I need to get her press 2,  if I wanted to leave a message 3 and not her press 4. 
On my phone it looks like the number is XXXX Convergent Res ( no area code is showing up though ) ''. 

I happen to google the company name and found out that it is a debit collection scam. First off, why are they calling a colleague? I have never heard of this company nor do I have any unpaid debit. I am in the process of re-financing my home mortgages and this does not look good.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account from IC systems has been reported on my XXXX   and XXXX  credit report on behalf of XXXX XXXX, however I have previously disputed a different collection agency attempt and had it successfully removed from my credit report because the debt is not mines and could not be verified per the 3 credit bureaus. IC systems is also in violation for failing to inform me in writing that they were attempting to collect a debit and allowing me time to formally respond in writing if the debt was actually a debt that i owed. Therefore i request that this account be immediately removed from my XXXX  and XXXX 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 2020-04-23
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO THEY RELATE TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN MY PERSONAL INFORMATION AND CREATE THESE ACCOUNTS IN SUCH A FRAUDULENT MANNER. PER REQUEST I AM REQUESTING THE ACCOUNTS RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON 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 explanation
Consumer complaint received 2021-06-15
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {XXXX}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {XXXX} -This is not my account.

Company response to consumer: Closed with explanation