BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
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: Information belongs to someone else

Complaint:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave you or any other consu, [ mer reporting agency WRITTEN CONSENT to report these accounts on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PLEASE SEND UPDATED COPY OF MY REPORT OF THESE ITEMS DELETED TO MY ABOVE POSTED ADDRESS THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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:
I have notified Equifax that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CITIBANK, N.A.
State: UT
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:
Citibank opened a fraud account in my name and has since illegally sold my information to XXXX XXXX. I don't have a letter anywhere showing where they even notified me that this debt was sold. I have requested that the letter with delivery confirmation be sent, which really wouldn't need for me to provide PII in order to prove that they sent the letter. I refuse to give my PII to any company at this point because of the fraud. 

These guys also closed out a CFPB complaint before it was even verified and resolved. These guys are just trying to get out of being accountable. 

I have included screenshots of my credit reports to prove that they did actually send this to XXXX since there seemed to be doubt that this was legitimate. They now need to provide me with a delivery confirmation of the letter allegedly sent informing me that my PII was sold. They never had consent to be doing anything with my PII. So, a signature is required on a contract to prove they had any right to be doing anything with my PII.

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 2017-06-09
Company: JPMORGAN CHASE & CO.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX  there was an online purchase done at  XXXX . The person picked up the items in person at a local store. Upon noticing this {$300.00} I called  Chase stating that  this was not my charge.  Chase imme diately reversed the charge and issued a new card. This was around   XXXX   XXXX   XXXX    .  <P/> On   XXXX   XXXX   XXXX     we received a letter fro m Chase stating  that  XXXX  denied our claim stating " you picked it up in person ''. They have shown us no proof that the items were picked up by myself. When calling the store directly they were unwilling to obtain the video footage without a police report. We will be attempting again to file a police report   XXXX   XXXX   XXXX    .  <P/> The online transaction through our bank statement is listed as a debit transaction which places me unde r EFTA rules. This Act stat es that if the card is in my possession but someone makes unauthorized charges, the cardholder is not liable.  <P/> I would like the charges rightfully reversed and to receive my due credit of {$300.00}.  <P/> Sincerely,   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute regarding the incorrect items on my credit report It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I filed a dispute regarding the incorrect items on my credit report It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The following information was sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail while providing any documentation, ie DL This has caused hardship on my household. 
My information is constantly on the XXXX web, I'm alerted every week about how a new inquiry for a new account ( credit, car, house ) in my old name and addresses. My name has been different for over a year, and all the other names on my account are either misspellings or haven't been my name for over 20 years.

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 2022-10-05
Company: EQUIFAX, INC.
State: CO
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, this creditor has violated my rights under 15 U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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 2022-09-14
Company: EQUIFAX, INC.
State: IL
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:
EQUIFAX has violated my federally protected consumer rights Reporting Fraudulent accounts to my report.The Law Clearys States 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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:
To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and are in compliance then you must remove the account from my credit report. 

I have attached my ONLY 2 forms of ID to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Avant Holding Company, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2021 last 3 payment Avant refused to take payment by debt card {$170.00}. XX/XX/2021 TOOK PAYMENT FOR XXXX STILL REFUSED {$170.00} PAYMENT XXXX took payment XXXX refused great payment but said I could pay last payment at any amount to pay the loan off on time XXXX pay off amount was give {$230.00} Avant refuse to take payment on last payment force me to possible go past end of the loan without full payment own past term and report negative on unpaid amount they refuse to take

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After carefully reviewing my credit file. I am concerned with some items you are reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that under the FCRA 15 U.S. Code 1681 e, Compliance Procedures. B. ) Accuracy of reporting shall follow reasonable procedures to assure maximum possible accuracy. All three bureaus are reporting different account status, balances, payment history, closed dates, last activities, etc. Please correct these inaccuracies or remove this account 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 non-monetary relief
Consumer complaint received 2017-06-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Tried to send money to someone I owed through papal. Spent over 45 minutes with them verifying all my information and they said we are refusing this transaction and there is nothing can be done. There is no means to rectify this situation through paypal. They said this a ip problem and even after verifying everything PayPal is still refusing to make the transaction, that I require them to make even though all fraud possibilities have been taken care of. <P/>Paypal rep : XXXX ID Number is XXXX He is suppose to be a supervisor in the business support department located in Nebraska Call Reference Number : XXXX says there is no number for the call recording XXXX has refused to give me the regulatory body in the government that overseas them. To prevent me from filing a complaint against PayPal for refusing to allow me to us my money in the way I want to use my money. Even after going through extensive verification process.
<P/>
There is no other department and PayPal does have a complaint department that I can talk to or have access to. Compliance department no will be provided there either. <P/>XXXX said he did file a complaint internally. XXXX just checks a box and does not understand anything about the complaint process. Expect ALL PAYPAL IS REQUIRED TO DO IS PUSH THE COMPLAINT BUTTON.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: EQUIFAX, INC.
State: IN
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:
IHAVE MUTIPLE IN QUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT  XXXX , EQUIFAX,   XXXX   FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2017-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To  XXXX  :   XXXX   XXXX   XXXX    XXXX , TX   XXXX   The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX Account name   XXXX   XXXX   Date of request XX/XX/XXXX  Account name this one is   XXXX   XXXX   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX nquiries shared only with you Account name   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX Account name   XXXX   XXXX   2 Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To   XXXX   :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name this  XXXX  is OK  XXXX   XXXX   XXXX   XXXX  Date of request  XX/XX/XXXX  Inquiries shared only with you Account name  XXXX  Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX    Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  Account name  XXXX / XXXX / XXXX  Date of request (  s  )   XX/XX/XXXX    XX/XX/XXXX Account name  XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX / XXXX / XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX    XXXX     XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX / XXXX   XXXX   XXXX  Date of request ( s ) XX/XX/XXXX  Account name  XXXX /  XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  Date of request (  s  )  XXXX / XXXX / XXXX  Account name  XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX   XXXX    XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX   XXXX   2  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s  ) XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX Account name   XXXX    XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  &  XXXX  Date of request (  s  ) XX/XX/XXXX  Account name   XXXX   XXXX   -  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX    Date of request (  s  ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  Account name   XXXX   Date of request (  s  ) XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear, GREAT LAKES BORROWER I agree to pay the following financial obligation regarding my account in which I might lawfully owe, on one condition : Within XXXX ( XXXX ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both GREAT LAKES AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 


Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301. 
Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation