BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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. 
Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name.. XXXX XXXX XXXX.. XXXXXXXX XXXX.. Account Name XXXX XXXXXXXX XXXX XXXX.. Account Name... Experian XXXX 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 an 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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 natural person. 
I am a living human being. 
I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681. 
And they violated my rights several times. 

I demand the inquiries listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these inquiries. 

Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 2023-06-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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 rewards from credit card

Complaint:
american express closed my account on XX/XX/XXXX for no reason i was a client since 2002 and always paid my bills as of my last statement i had Membership Rewards Points XXXX they told me on XX/XX/XXXX i would have 30 days to redeem them and later said there gone there worth at minimum XXXX cent each

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I previously reported problems with XXXX Bank and XXXX XXXX regarding XXXX : XXXX. I made the report in XXXX. I told them I was making a complaint. And they mis-applied the funds, yet again, this month. There are XXXX loans. They apply payments to pre-pay 2 loans ( now paid up to XXXX ), but don't apply any funds to the 3rd loan, now marked overdue and subject to a penalty. Amazing! I put the correct loan # XXXX on the check, but I assume it is all automated with out-dated equipment. 

Further, XXXX bank has previously been fined by the consumer financial protection board ( CFPB ) ( $ millions! ) for failing to properly respond to customer complaints. They won't " talk '' to me, because the loan is in my wife and daughter 's name, but more importantly, they won't listen despite numerous complaints, from me, from my wife, from my daughter, by phone and by electronic mail. 

I defer to CFPB as to whether to publish or not. It seems contemptible for XXXX XXXX to continue to disregard customer complaints despite the prior sanctions. And we made numerous complaints to the bank and XXXX XXXX, for months before, before filing a complaint with the CFPB. I assume my complaints are not unique. Thank you. 
XXXX XXXX. XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a notice that someone attempted to open an account in my name at Bank of America. I called the bank at XXXX and spoke to an agent who told me the Application ID number was XXXX and it was submitted on XX/XX/2022. However she would not tell me the email address that was used by the criminal who was trying to open the account in my name. 

I think that Bank of America should do more to protect me from this type of fraud and should help pursue the criminal who has tried to steal from me in this way.

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 2023-06-21
Company: HYUNDAI CAPITAL AMERICA
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:
Dear Sir/Madam, I am writing to dispute the inaccurate charge off reporting associated with this account at Kia Motors Finance America . The erroneous charge off status on my consumer report has had a detrimental impact on my creditworthiness and financial opportunities. 

I request an immediate investigation into this matter to rectify the inaccuracies. Kindly undertake the following actions : 1. Conduct a thorough review of this account to verify the accuracy of the charge off status as reported on my consumer report. 
2. Correct the inaccurate charge off entry by providing written notice to XXXX, XXXX, and XXXX, requesting the removal or correction from my credit report. 
3. Provide written confirmation of the correction or removal within XXXX  days from the receipt of this notice, in accordance with the Fair Credit Reporting Act. 
4. Cease any further reporting of inaccurate or misleading information related to the charge off on my consumer report. 

I have enclosed relevant documents for your review and investigation. Please acknowledge receipt of this notice within XXXX days. 

Failure to address this dispute in a timely and appropriate manner may result in legal action and the filing of a complaint with the Consumer Financial Protection Bureau. 

I trust that Kia Motors Finance America will prioritize the resolution of this matter promptly. 

Thank you for your attention to this issue. 

Sincerely, 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 2023-04-03
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/XXXX I received a call at around XXXX XXXX from someone who said he was XXXX XXXX XXXX XXXX XXXXXXXX in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a XXXX  credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called XXXX  and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the XXXX credit card said she was a XXXX. I have never been nor am I now a XXXX. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' XXXX ( experian, equifax, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a XXXX Credit card for {$11000.00} on my credit report. This is wrong. I have informed XXXX and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. XXXX  XXXX XXXX still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchased home in 2009 had loan with Wells Fargo many years but extra pmt made was never reflected towards principal. Finally refinanced out of Mtg loan with them. I also financed a new car with them they added an insurance on their own causing me to have lates on credit. This ruined my credit for years and I was unable to fix for a while.

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 2023-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
when i visited XXXX  all 3 bureaus refused to provide my report until i " verified '' my phone number on the site. i have never given them my number to verify, which means they are demanding information they don't have, in order to add this info to my credit report, before complying with the law. they can't verify a phone number they don't have, and they have no right to my phone number. i provided all the info necessary to receive my report in the past. now, they are illegally demanding personal info from me they don't already have before complying with the law. you would have to be crazy to provide a credit bureau with a phone number that they can then provide/sell in your report to any company that wants it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting 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 5th 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, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Galaxy Capital Acquisitions, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX, My name is XXXX XXXX and I am writing this letter as I find myself in a difficult and stressful situation for me and my family. I live in XXXX XXXX and I was recently served a Writ of Execution from the local Sheriffs office because of a lawsuit involving an old credit card past due bill. 
This credit card, which I am sure, has to be 15-20 years old or older from my past. I can not understand how this could even be happening to me. The Fair Credit Reporting Act FCRA, is supposed to protect me from these types of situations. What do I do? Who can I contact? 
I have made several attempts to acquire legal help through a public defender as I can not afford a regular lawyer. I am XXXX on medicaid and medicare raising my XXXX XXXX XXXX daughter and my wife is XXXX  to this country and does not work yet. Whatever happened to fair representation in this country for all? I can not acquire that. I have been told to contact legal services in my state of Pennsylvania and county and have been told numerous times that I can not be helped and get referrals only to find out those people can not help me either. What am I to do?? 
Please tell me what I need to do. 

Your quick response would be greatly appreciated as this is a critical time issue Thank you. 

Sincerely, Mr Stressed out!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On the evening of XXXX XXXX XXXX, I saw that I had received two emails from Chase Bank on XXXX XXXX XXXX about a credit card that had been opened in my name. I also received a number of alerts from various companies that monitor my credit and banking transactions about a hard inquiry to my credit for the credit card. I did not open a apply nor opened a new credit card. Since discovering the fraudulent activity ( i.e. opening a credit card w/o my knowledge or consent ), I contacted my credit monitoring agency ( XXXX XXXX XXXX ), Chase Bank , and my local law enforcement ( XXXX XXXX Police Dept . - Non-Emergency ). Luckly, nothing was charged to the credit card. I have placed a freeze on my credit with all 3-credit bureaus, had the credit card cancelled and marked as fraudulent, and my Chase Bank password changed. I did see a phone number on my Chase account, under " Profile & Settings '', that I did not recognize ; XXXX. That phone number has since been deleted from my Chase account. I can provide screenshots that I took before I made changes to my account and/or the emails I received from Chase Bank regarding the issuance of the credit card, if you wish. I am more than willing to discuss this further over the phone too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: MS
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Please give me help with this matter! 

UNKNOWN ACCOUNTS : XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX {$350.00} XXXXXXXX XXXX  Account # XXXX {$25000.00} XXXX XXXX Account # XXXX {$12000.00} XXXX XXXX Account # XXXX {$16000.00} XXXX XXXX Account # XXXX UNKNOWN INQUIRIES : XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/XXXX 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 2023-09-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XX/XX/2023 i was mislead and cohearsed into purchasing a timeshare that i was told it was a 2bedroom/2 bathroom condo that i could rent out and make money doing and share their vacation ad and make XXXX each share, it was all a scam and they reported to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Affirm Holdings, Inc
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My sister applied in XXXX of this year for credit with Affirm. This company works through XXXX. She purchased merchandise and has two outstanding loans with this company. She said she only put my phone number on the application and not my name, because she had no phone at the time. In XXXX I requested through XXXX my credit report. On my report I saw to delinquent loans from Affirm, but I don't have an account with them? I have tried to talk to various supervisors there and they for some reason keep trying to verify the info they have and they have both me and my sister 's info all tangled up. And they keep refusing to accept my sisters payments on this account. I feel my identity was robbed from me.

Company response to consumer: Closed with explanation