BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: EQUIFAX, 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:
In accordance with the fair Credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX # XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$220.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$390.00} XX/XX/XXXX XXXX. XXXX # XXXX {$1500.00} XX/XX/XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$450.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1900.00} XX/XX/XXXX XXXX {$4200.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumers 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 explanation
Consumer complaint received 2023-03-14
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AvanteUSA is trying to collect a debt for MaxLend. I disputed the debt with AvanteUSA and asked them to send proof of the loan. They sent me documentation which says I applied for a {$1300.00} emergency loan on XX/XX/2022 with a final maturity date of XX/XX/2022. The APR is 635.74 %. Payments of {$340.00} were to be paid every two weeks. The documents indicate I applied electronically, Esigned, and agreed to electronic communication via text messages. I never applied for a loan with this company and I never received any text messages from this company.The documents have my correct social security number and home address. However, the documents indicate the funds were wired to a bank with a routing number and account number different than mine.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-10
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:
in accordance with the fair credit reporting act, the list of below accounts had VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XX/XX/XXXX XXXX XXXX acct # XXXX XX/XX/XXXX XXXX XXXX  acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XX/XX/XXXX XXXX XXXX acct # XXXX XX/XX/XXXX XXXX  XXXX  acct # XXXX XX/XX/XXXX LIST OF RIGHTS VIOLATED : 15 u.s.c 1681 section 602a states i have a right to privacy 15 u.s.c 1681 section 604 a section 2 states a consumer reporting agency can not furnish my information with my written instructions 15 u.s.c. 1681s-2 ( a ) ( 1 ) states 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 it is inaccurate :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased 2 flight tickets from XXXX XXXX at XX/XX/XXXX for {$570.00} each and the ticket terms including 2 checked bags per ticket and received the confirmation The flight was operated by their business partner XXXX XXXX When I was using the ticket on XX/XX/XXXX, XXXX XXXX ignored the terms of the ticket and the confirmation I have an allowed only one free checked bag per passenger and charged me for the second one ( {$100.00} per bag ) I filed claims with XXXX, XXXX and Bank of America the card issuer to refund the {$200.00} XXXX paid extra for checked bags I already purchased with the original ticket but my complains was ignored by some with no response and denied by others and considered a separate transaction which is not fair.

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 2022-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX MD XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Grow Credit Inc
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hi on XX/XX/XXXX I noticed an email from this company stating they reported on time payments with them. I emailed and asked what is the service because I do not recognize the company nor do I recall signing up a virtual subscription credit limit of {$17.00}. I asked for the account to be deleted and cancelled. As of now they havent done so and instead of rectifying the problem over XXXX representatives have emailed me about not closing the account and telling me that I had to have sign up for the account. Again I do not recall it and neither have seen this on my credit report. Now I asked for a PASSWORD RESET. It said the reset code will go to a phone number. I DO NOT HAVE ACCESS TO THE PHONE NUMBER ASSOCIATED WITH THE ACCOUNT and I told them that XXXX. So how can I close an account if i dont have the phone number nor do I know the phone number and no im not updating the account nor information to do so. Therefore I asked them to cancel the contract and close the account since they are the ones who can see what Im not able to see. They are the ones sending out emails talking about congrats on an on time payment when Ive NEVER used this at all. They claim it was opened in XXXX and again. I do not recall such thing happening nor me doing it. What is so difficult about closing an account? I also gave the dob and zip code and this support person says they will get back to me when they are able too. Like look XXXX nobody has all day for the XXXX Delete and get this over with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: NC
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:
Equifax not only continues to report false and misleading information about me on my credit file, but also when I attempted to have the items corrected, I was told that they do not even have a credit file for me. This is false, misleading and is an unlawful violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I feel like the credit bureau has been working against me as a XXXX man all my life my credit score got to XXXX then they dropped me XXXX points out of the blue in XXXX of 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX sent me a letter last month saying they are collecting a debt for MaxLend. I asked for proof of the debt and they sent me documents which indicated I allegedly borrowed {$1600.00} and made application on XX/XX/2022. The loan maturity date was XX/XX/2022. The APR is 635 % with a first payment of {$250.00} and remaining payments of {$400.00} every two weeks. The documents had my correct social security number and address. However, the bank routing number and bank account number where the funds were sent are not mine. The documents indicate I applied electronically for the loan and I gave consent for all communication to be electronic. I have never received a phone call, email or text from MaxLend. I never signed electronically for a loan with MaxLend. I am a victim of identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The branch manager XXXX XXXX NMLS ID : XXXX refused to service me, harassed and humiliated me. It supposed to be a simple transaction at a branch. I just wanted to make {$150.00} deposit to my checking account. I gave a teller my current California driver license and it was sufficient enough so she located me in Chase database. I have XXXX addresses and the address on Chase file is current XXXX but does match the address on my driver license. Every time I make a deposit at the same branch, I can hear the same question.. Can you verify your address? And I mentioned many many times to make a note on the file. This time I just refused to answer and said the address on file the address I have. Apparently, it was not enough to establish my identity. XXXX XXXX was right behind the teller and told me she won't service me until I verify the address with Chase. I explained my position several times and were told it is The branch internal policy to identify myself by the address. Not sure since then the State ID is not enough! I asked to show the policy in writing and XXXX declined my request. Instead, she called XXXX police department since I refused to leave. 5 minutes later I was interrogated by Sheriff and XXXX police. I feel like humiliated doing nothing wrong. I would like to have a full investigation of the incident and receive a report with the taken action against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have transferred money to XXXX by Western union on XX/XX/2022, amount is XXXX {$180.00}. My receiver never received in his bank. I have complained many times and Western told me it is completed. but my receiver bank had no transaction attempted. It was also show on my track statement that did not delivered. However, Western said they are still investicating and never refund my money back .It happened to same receiver in XX/XX/2022 {$550.00}. after I complained that time, Western refunded to me. However, this time they never refund and kept saying no news from XXXX XXXX. can you please help me to solve this matter. This case is more than 1.5 months and they are ignoring. my money is stuck some where, Western never refund too. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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:
This is my 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

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 2022-12-05
Company: EQUIFAX, INC.
State: GA
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 sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint # & I am including it again., XXXXXXXX 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 2023-03-21
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill from XXXX XXXX XXXX in the amount of {$1300.00} from an account that I never opened. I reported my identify as stolen in XXXX of 2019 since this person committed multiple unlawful transactions using my identify. The person also used an address I have never resided at and does not exist. This debt is not mine, and should have never been able to process through.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: AL
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX Account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a letter to XXXX asking for : 1. Validation of the debt-that is, the actual accounting. 

However, according to 15 usc 1692e, is usc 1692d, and 15 usc 1692B.

Not use any language or symbol or any envelope or in the contents of any communication effected. By the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of inquires below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account ending in XXXX the amount is XXXX they have violated my rights XXXX XXXX XXXX inquiry dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have violated my rights. 

XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

US SM Bus Admin ODA inquiry on XX/XX/XXXX and XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX they have violated my rights. 

150 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.

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 2023-06-08
Company: Self Financial Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called SELF FINANCIAL INC / LEA on XX/XX/2023 to correct inaccurate reporting of late payment. I spoke with XXXX XXXX XXXX who stated that due to the account closure and paid off 3 months early that the reporting of a 90-120 days late of payment was correct information. I informed XXXX XXXX that I never paid a late payment and that her company was reporting late payments on an account with a payment status of current and paying as agreed. I have requested the information to be corrected and updated 3 different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The Visa Vanilla card was purchased on XXXX XXXX. I called the Visa Vanilla phone number later that day to confirm the balance on the debit card. There was no balance on the card. Next day I returned to the XXXX 's store where the card was purchased. The person at the counter said we must contact the company directly to resolve the problem. I called the number on the back of the card. The individual said I must wait 24 to 36 hours before the balance will appear. I did that. There was a XXXX balance when checked. I called Visa again. I was told that I would have to file a claim. I was given an email address to send copies of the documents and given a case number. I emailed copies of the proof of purchase and my identification within 24 hours. I heard nothing for several weeks. I called again. No progress on my issue. I waited for a considerable time and called again. After repeated calls spanning several months I got someone who said there was a form I needed to fill out. They said they would email the form. Eventually after calling again I did finally receive the form in XXXX ( see attached email ). I returned the form back to the company as soon as possible ( see attached and dated pdf ). I received an email saying they received the form. After some time passed I called and was told it would take 45 to 90 more days before I should expect a reply. Finally, I received a letter from them. The letter said that there would be no compensation because I had not completed the form and submitted the documentation within their time frame. 
I submitted a protest letter via email explaining that I submitted the documents that were asked for and submitted their form once I had a copy in my possession. I received a rejection email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX 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 non-monetary relief