BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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 non-monetary relief
Consumer complaint received 2022-07-28
Company: Genesis FS Card Services, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

2 Erroneous items XXXX XXXX XXXXXXXX  Paid/Never Late, that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation. 

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

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 2022-09-22
Company: Kimball, Tirey & St. John LLP
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: Problem with personal statement of dispute

Complaint:
I have a Police Report and Fraud Affidavit for the erroneous items on my credit report. 

2 Erroneous items XXXX XXXX XXXX, Paid/Never Late, that speaks volumes to who I am. 

The bureaus have violated FCRA and have NOT performed an Investigation and they have NOT provided me with one piece of tangible proof, signatures, agreements that these two erroneous accounts belong to me, because they can't provide documentation. 

Delete these erroneous accounts immediately and it's your duty to put the bureaus on notice that this behavior goes against FEDERAL laws. 

XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX ( {$270.00} ) ( XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2500.00} ) ( XX/XX/XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I am a natural person. My legal name is XXXX XXXX XXXX XXXX XXXX. The consumer reporting agency continues to violate my rights. The consumer reporting agency continues violate 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency has caused me and my family immense hardship with there illegal reporting. Their reporting is hurting accessing MY equity in MY home because of illegal entries in my report. They claim to have done an investigation, that they did not do by the letter of the law. Who did they speak to that could speak to my character??? 

The consumer reporting agency violated:15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Account : XXXX XXXX, XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions 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:
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 NumberXXXX Account Name : XXXX  XXXX Account Number:XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Refer to the attached documents. I request an investigation into these accounts, as they incorrectly reflect late payments when I have always been on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This company fraudulently continues to charge me returned check fees even though the money is drafted from my account and the money is there. Thats Bank closed both of my account with them and neither account had any relation. This company needs to be investigated for its processes for this particular issue. I have multiple sources of documentation that can prove this banks fraudulent practices proper to my accounts being closed. Agent and Supervisor that I talked to stated that my account was current but there wasnt anything that could be done once the accounts was closed. I was told that if two autopay payments were return then they could close the account even if current even though it was an error on their behalf. I request the consumer agreement to be mail to my house to see if I had the ability to sue this company and still havent received this information. This Bank is stealing money from its consumer and a deep dive into their processes I guarantee this company is doing this to more than just myself. Also if need be I will authorize this entity to review every detail of my account to help validate my claims.

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 2022-09-22
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: U.S. BANCORP
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:
I have tried resolving this issue several times via phone and disputing by mail. They are in direct violation of several FCRA federal laws. The laws are as followed : Section 609 ( a ) ( 1 ) ( A ) : I have requested they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my original signature. In which they have not done so. Failure in providing me with this information must result in immediate deletion from my report.

In accordance with Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA that states with proof of identity theft that the information most be removed and blocked within 4 days upon receipt of the correspondence. Which I provided notarized copies of my police report and identity theft that I received from the FTC. Only to receive a response from the credit report agencies that the information remain and or updated. Which is a direct violation.

In accordance with the Fair Credit Reporting Act your agency 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 consent or 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed a few accounts on my report I do not recognize

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 2022-09-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear CFPB ; 1. I really need help because XXXX XXXX response to my complaint alleges there was no defective corporate transfer however, evidence will prove it has been 48 months since the lender conducted a corporate transfer, went into my bank account, took funds, refuse to apply them to my note and refuse to return the funds. As a result of their unwillingness to admit they committed errors, foreclosure proceedings were initiated against me for funds the institution is still holding 2. On the other hand, when XXXX  XXXX XXXX conducted a defective corporate transfer, the financial institution refunded my payment and offered options to assist with keeping my home ( Ex A ) 3. XXXX XXXX  refusal to correct the defective debt assignment caused the institution to violate debt collection laws when on XX/XX/XXXX, XXXX XXXX mailed two Notice of Sale of Ownership of Mortgage Loan letters to my home that alleged it was a debt collector, and its purpose was to collect a debt however, XXXX XXXX di not hold the note and no debt was owed to XXXX XXXX ( Ex B ) 4. XXXX XXXX continued to violate debt collection laws that interfered with my efforts to save my home when the institution filed a false objection to an approved payment plan in the XXXX XXXX  XXXX. Instead of correcting the defective corporate transfer XXXXXXXX XXXX submitted false affidavits, and filed two false claims that alleged there was a corporate transfer in XX/XX/XXXX, ( See Ex D ) 5. On XX/XX/XXXX, XXXX XXXX response to my complaint to the CFPB alleges XXXXXXXX XXXX conducted a corporate assignment with XXXX XXXX on XX/XX/XXXX, and recorded the deed in XXXX. 
6. XXXXXXXX XXXX obviously have no plans to correct their errors and my efforts to save my home continue to fail due to their conduct. XXXX XXXX have floundered the XXXX XXXX XXXX and continue to hold me in a state of oppression because of the refusal to voluntary dismiss the XXXX XXXX XXXX foreclosure proceeding. I believe the foreclosure proceedings is Res judicata 7. In the past XXXX recorded a corrective corporate assignment while XXXX XXXX XXXX prevented a foreclosure by refunding a partial payment. XXXX XXXX XXXX refusal to correct its failures has caused the institution to violate debt collection and other laws then hold me financially responsible. XXXX XXXX is a XXXXXXXX XXXX institution that will continue to impose abuse upon me upon me because I am indigent and therefore, I need your help to prevent a defective foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : JPMCB CARD Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
Equifax data breech victim and fighting to have negative items removed. Please hold XXXX, equifax and XXXX responsible to remove fraud information. The below accounts must be removed by all agencies. 
XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to address a concern regarding the accuracy of my credit report. After reaching out to XXXX - XXXX XXXX  regarding the validity of the debt, I did not receive any information to substantiate the claim. Upon reviewing my credit report, I noticed that the account with the following details is incorrectly reported as a late payment account with a balance due : XXXX - XXXX XXXX XXXX Open Date XX/XX/2007 Balance : {$93000.00}. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. Please investigate this discrepancy and make the necessary corrections to ensure the integrity of 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 2023-09-12
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting 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:
Following inquiries, were never applied to from me, XXXX XXXX XXXX XXXX XXXX XXXX ) WF Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WF card SvcXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: PA
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 Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
HJR 192 Remedy the government has obligation to discharge and settle debt we may incur

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 2022-07-28
Company: JPMORGAN CHASE & CO.
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:
I booked a flight with Chase XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX flight for Monday XX/XX/2022 ) and used XXXX rewards points to book the flight. Severe weather was going to impact the flight ( according to the email that I received ) and I was told I could reschedule the flight for another day or time. I had to reschedule the flight through Chase ( as opposed to via XXXX XXXX ) since I booked the flight through Chase using rewards points. Chase representatives said I would get a refund of the points or otherwise be compensated for the terrible Chase customer service that I received in trying to rebook the flight ( i.e. I missed an entire vacation spending an hour and a half on the phone trying to resolve the issue with Chase and getting ABSOLUTELY NO WHERE ). Ultimately, I had to pay my own way to grab an XXXX  to go to the airport and speak to multiple XXXX XXXX representative to get the issue resolved on my own. Chase was of no assistance throughout the process. I called to get the update on XX/XX/XXXX regarding the complaint that I filed with Chase on Tuesday XX/XX/XXXX, spent 2 HOURS being transferred from representative to representative and still DID NOT get any compensation or refund of the points as I was told I would get. I asked the Chase representatives for the complaint number so that I had something to refer to but the representatives refused to give me or send me any information they have on file. They also refused to transfer me to another agent who could assist and said they were the highest person in the chain at Chase who could assist in any way regarding my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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 2022-12-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
we was asked to invest in XXXX, a friend and i invested {$52000.00} over a period of time, the money was sent to a fraudulent account that had been cloned, i have all the account numbers and transactions screen shot and saved starting in XXXX or XX/XX/2022 XXXX

Company response to consumer: Closed with explanation