BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
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:
I have been submitting multiple letters from XX/XX/XXXX to XXXX XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the remaining inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XXXX ( CREDIT LIMIT {$170.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
McCarthy, Burgess & Wolff and doesnt have any relationship with XXXX  and XXXX is not my account number. Also another party is calling me called XXXX XXXX XXXX XXXX. They said they hired a private investigator from XXXX XXXX XXXX company. I did some XXXX research and it says it is a scam, and it looks like they are saying the same things over and over. I have an active and current account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to remove my PMI private mortgage insurance fee requirements from my mortgage a couple of times and still get denied. Even though my Tax Appraisal value went up for my county and I sent it into Flagstar Bank. I also submitted pictures of remodeling etc. they have me at 83 percent and they should have me lower than if they used my priginal tax appraisal which they refused. At this time my home is over XXXX square feet, I only owe {$130000.00} for a one story ranch house in XXXX Texas on a large lot. Also I have never missed a payment since I financed 5 years ago. The house is valued over {$230000.00} and thats the low end for tax appraisal value. The sale of my property would net me {$100.00} a square foot putting my value at {$360000.00} XXXX they know this but will not remove my PMI unless I get a pricey appraisal in which I dont have the money to do being a single parent. The attorney general and several banks in Texas use the value of the counties. I can not understand why my bank wont. The additional {$200.00} would come in handy to meet my other expenses I have been asking for an adjustment for several months. Texas is going through a high market and I would be able to sell easily but then I would not have any where affordable to live. Yet my cost between insurance, taxes etc keeps going up and the mortgage company isnt trying to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: NJ
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've informed EXPERIAN multiple times that I have become a victim of identity theft and fraudulent accounts are being reported on my consumer report. As of XX/XX/2022 EXPERIAN has not removed the accounts resulting from identity theft pursuant to 15 U.S.C. 1681c-2.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I transferred my money out of this Citibank account and asked that they close this account. However, I am getting emails saying I'm accruing fees they monthly. I've called but they put me on hold or say they need my account number to close my account. I destroyed my ATM card and banking information when I closed the account. I'm able to use my social security number for the automated system but when I speak with a Representative, they seemed to not be able to pull up my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02
Company: Affirm Holdings, Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Of XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal account was locked And they said I can access my money in 180days Now my account have been locked for more than 180days and I can't reemive my funds I mail and call them but they don't want to help Please help me out I need my money My name and email is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: KS
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX A XXXX XXXX Employer : XXXX XXXX XXXXXXXX XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2021-05-18
Company: Bliksum, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan is for {$6000.00} the interest rate is I believe over 139 % apr. I received my first statement and made my payment via my checking on time. It is a monthly payment of {$380.00}. I need clarification on the date and final payoff amount. I was having issues with not being employed due to XXXX XXXX and actually lost a member of my family. I feel as if I was being taken advantage of during a very emotional time. Any advice would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: KS
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX A XXXX XXXX Employer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: U.S. BANCORP
State: KS
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:
After speaking with XXXX and being threatened with jail, I am still suffering from this account being on my credit report. I have never done any sort of business with Elan Financial.  I have told them several times that the account does not belong to me and they insist on continuing to report to the credit bureaus that this account is accurate.

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 2022-12-13
Company: JPMORGAN CHASE & CO.
State: MI
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:
JPMCB CARD XXXX XXXX XXXX NA Both of these accounts are in violation of 15 USC 1681C2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; XXXX Account # XXXX ; US DEPT ED Account # XXXX ; DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX ; XXXX Account # XXXX, Account # XXXX ; XXXX Account # XXXX and XXXX Account # XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

EXUIFAX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  XXXX  no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  XXXX  no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/2015 ( CREDIT LIMIT {$3000.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover Bank defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX will be documented and used as exhibits for knowingly and willfully violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Professional Debt Mediation, 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 funding XXXX XXXX XXXX  has violated my rights. 
Account opened XXXX for {$2900.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Westlake Services, LLC
State: AL
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 didnt give anyone permission to run my credit report. Company agreed to delete inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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 have tried to resolve this issue before and you know that you are breaking the law. Any transaction or experience between the consumer and the person making the report Shall NOT be reported on consumer reports. 

There are four attachments to this complaint. Please take the time to open them up and read them so that we may resolve this issue. There are congressional findings and definitions giving proof that the information about XXXX XXXX shall not be reported on my consumer report. This is very embarrassing to even go through this process, my character is being defamed and my privacy is being seen by anyone who tries to access my credit report. Please have this issue resolved within 4 days. I have already wasted time trying to have this issue resolved and I can not get that time back. 

I will be awaiting your response in the next few days. I am trying to purchase a home and this is slowing me down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: CITIBANK, N.A.
State: OH
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:
They only credited XXXX and that not right for not crediting XXXX more dollars

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