BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX  {$1100.00} balance, XXXX XXXX XXXX XXXX XXXX {$830.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX$690.00}, XXXX XXXX XXXX XXXX XXXX  {$330.00}, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I traded with XXXX XXXX and at that time I was a member of Huntington Bank, When my mom told me it was fraud, I had to have them refund the money only for them to tell my bank that they did their deal and it was unrefundable. I had my bank investigate it and they came and told me it was true that it is unrefundable. So they sent back the money to the XXXX XXXX. After a certain period of time, I stopped living in the off campus housing as my bank was on overdraft. And huntington locked me out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1700.00} XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NY
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:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a consumer by law. This was not sent in error. I never gave written permission to use my private information. I am seeking compensatory damages.

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 2023-04-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX, and I am writing this request on my own behalf. I have enjoyed my experience with this company and am writing to simply request a " goodwill '' adjustment to your reporting to the three credit agencies. I have a series of late payments due to experiencing a medical hardship. I say this not to justify my delinquencies but to indicate that, that time was not a reflection of my credit worthiness. Since that time I have been an exceptional customer paying on time every month and have now completed all payments. I would like, if possible, for these payments to be reconsidered and removed from my credit report. 

These are the accounts I am referencing : DEPT OF EDUCATIONXXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2023-03-07
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account at US Bank became overdrawn on XX/XX/XXXX, after a banking error resulted in a mobile check deposit being duplicated. This error occurred in XX/XX/XXXX but the funds were not taken out of my account until XX/XX/XXXX. This took all my money from my checking and savings accounts and left me with a negative balance of {$1000.00}. I called and was told my account would automatically close in 30 days if the balance wasn't brought to a XXXX or positive balance. During these 30 days, overdraft fees of {$36.00} each accrued, and my balance became negative {$1400.00}. On the XXXX day, I contacted US Bank Customer Service and was told my account was closed and nothing would come out or go into it. I could no longer access my checking account through the Mobile Banking App. On XX/XX/XXXX, I received notification of a {$2400.00} deposit into my supposedly closed checking account. I went to the US Bank Branch and was told my account isn't closed ; it is " pending closure ''. I should have a refund of {$1000.00} but as of today, XX/XX/XXXX, I have yet to receive anything. When I have called the US Bank customer service line, they tell me they don't know how long it will take to complete the closure process and if applicable, a cashier 's check will be sent to me. I asked to speak to a supervisor and was informed that they do not speak directly to customers. I asked the bank to refund a portion of these overdraft fees, but they refuse to do so. I just want my money at this point. Thanks.

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 2023-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXXe XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX  # XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXXXXXX FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XXXX  On record until XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXXXXXX XXXX  Inquired on 03/30/2021 On record until XXXX XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XXXX Balance {$800.00} Status Account charged off. {$800.00} written off. {$800.00} past due as of XXXX XXXX XXXX XXXX Potentially negative Date opened XXXX Balance {$760.00} Status Account charged off. {$760.00} written off. {$760.00} past due as of XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XXXX XXXX 
XXXX  Potentially negative Date opened XXXX Balance - Status Closed. 
XXXX XXXX Potentially negative Date opened XXXX  Balance - Status Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Kikoff Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Some one opend a credit card under my name on XX/XX/XXXX and it pulled up on ny credit score today. KIKOFF/CCB i have notified equifax about the situation. 

there is no number to contact KIKOFF/CCB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately. 

Please remove all negative accounts and the bankruptcies off of your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these hard inquiries on my credit report. I dont believe these to be correct on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian

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 2023-02-19
Company: Reliant Capital Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt is being reported for a XXXX XXXX account in my name that both the creditor and collection agency have not responded to requests to verify aside from providing an invoice which I do not have a connection with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My bank closed a business account due to a fraud alert caused by identity theft. I need to pay the bank if I owe any costs and be able to open a new account, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/23 after logging on to my online banking i discovered my checking account with my son was compromised. There were several fraudulent activity. Two atm withdrawals totalling {$1000.00} and two debit card purchases for {$1100.00} and {$2200.00} at XXXX XXXX XXXX XXXX XXXX XXXX. I contacted chase via phone immediately at XXXX where after several transfers i spoke with a rep in their fraud claim department. The claims were filed. The compromised account was restricted and a new account opened. However, rather than keeping the new account totally separate from compromised account, Chase actually transferred all the compromised account information and activity to new account. Why? What was the purpose of opening a new account? 10 days later, today, i found out chase denied my fraud claim. Stating because transactions were done via pin it had to be me or my son! What proof or information can they provide to support their assumptions? Now the supposedly new account has a negative balance of over {$3000.00} which can not be paid by us because A. This was fraudulent activity and B. We just dont have the money. I am in desperate need of assistance to get this matter resolved swiftly and correctly. Chase has handled this claim very poorly. I am a victim who is being victimized further by chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I submitted a direct deposit to chase on XX/XX/XXXX. It was a check issued by my employer the XXXX XXXX XXXX  The money was sent to them directly and they have the money. They said that they cant verify my check because they dont have a number and the number provided isnt in their system. I asked them and they called the state controllers office who gave them a number directly to the chp and they wont call it. They have my check sitting in suspense they already have the money deposited and wont release my funds. They said they cant verify my check but wont release it til its verified. I have gone in and talked to XXXX XXXX the vice president of the bank of chase in XXXX who verified it and their online and on the phone executive team will not release the money. XXXX. Payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Account # XXXX ( copy & paste each one from your credit report that is negative right here ), 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 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 2023-03-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2023-02-19
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2023 from the National Credit Systems , Inc . The letter is requesting that I resolve an out standing debt of {$820.00} for the client : XXXX XXXX XXXX XXXX XXXX XXXX. I have never been associated with this client nor do I have any outstanding debts in the amount of {$820.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to request security freeze through phone, mail, or online from this data furnishing company. 

XXXX, and Equifax Company Consumer Reporting Division XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was informed to reach out. had a loan that I paid off for my XXXX XXXX that I purchased in XXXX when I got back from my tour in XXXX. The loan was from Wells Fargo Dealer Services. I recently read an article that they are paying people back who had auto loans between the years XXXX - XXXX for increasing interest rates and various other reasons. I wanted to see if I was eligible for any return or payment when I had my loan and paid it off. 
XXXX XXXX XXXX I am trying to get ahold of XXXX XXXXXXXX XXXX. the Escalation Associate for the XXXX  Complaints Management Office XXXX I called her number and extension at XXXX ext. XXXX. 

She is helping me with Case Number : XXXX I filed with the Consumer Financial Protection Bureau. She said she couldn't find my auto loan account that I had paid off. 

My loan was under my name : XXXX XXXX XXXX Account Number XXXX Could you please help me get this message sent over to her? I appreciate your help. 

Thank you,

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 2023-02-19
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
3 collections LVNV. I contacted LVNV in the past couple months regarding a debt collection claim on my credit report. Resurgent replied from LVNV website claim they are not collecting and to contact 3 other debt collectors they named off in reply. They would not provide any debt validation. They are still reporting non proven debts on credit report and have not removed. LVNV has been in legal problems with collection and not sure why mine is not being removed from my report because they are not the debt collectors and are not collection under. Credit Bureau refused to resolve in dispute. Debt age is approximately XXXX, XXXX, and XXXX but fact is still shows updated XXXX of XXXX as being correct under their debt ownership claim. It is not correct debt ownership. I contacted a lawyer but unfortunately I am not one of their selected favorites to receive better treatment under fair debt reporting and told no. I am given the run around but will report XXXX XXXX elsewhere. I am not ignorant to rules. If reported and no bankruptcy filed then to be reported legally. Not legally reported.

Company response to consumer: Closed with explanation