BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022 at approximately XXXX XXXX, I accompanied a friend and XXXX military veteran to look at cars at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. We were assisted by XXXX XXXX and test-drove two automobiles. We asked XXXX XXXX if she could guarantee that any inquiry would not exceed a two-point loss to our credit and that no other companies would have our information shared and/or allowed to inquire about our credit and she stated that only XXXX would have permission to inquire and they would only review the information authorized by one inquiry from XXXX we agreed to XXXX The unauthorized inquiries were from XXXX XXXX XXXX, XX/XX/2022 XXXXL XXXX, XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Amsher Collection Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2022-04-04
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent a payment in the amount of {XXXX} to Barclays Bank for my Luxury Card XXXX XXXX. I have received from the paying bank an image showing the check was cashed on XX/XX/22. It has not been credited to my account. I notified Barclays over a week ago ( case # XXXX ). When I called for an update today, I was told it will take 60 days for them to resolve. This is unacceptable. They continue to report my balance due, without even providing a provisional credit to my account while they figure out where they made their mistake. I have sent to them - at their request - the electronic image showing the cashed check. I can only imagine what they would do or say if I was 60 days late on a payment, yet they do not seem to care when the situation is reversed.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX Balance : {$4800.00}

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 2023-08-01
Company: EQUIFAX, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
Many numerous third party inquiries on my credit report that I did not ask for. Called many of them, and nobody picks up and states office hours are closed when theyre open. I never asked these people to inquire about my credit.

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 2018-04-10
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking that pursuant to the FCRA & the FDCPA, they validiate this debt. According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), this company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. They responded with the letter I have attached below which they are intentionally not complying and requiring notarization means undue hardship since one typically has to pay for a notary and that is a violation of FEDERAL law.

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 2023-05-04
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have new and updated information regarding Complaint Number XXXX. Dunlap Gardiner LLP, a third-party debt collection agency continues to use false, deceptive, and misleading representations while constantly harassing me, The Consumer in its attempt to extort payment regarding an alleged agreement that I was not a party to and is in fact unlawful and unenforceable. Dunlap Gardiner LLP has not provided any factual proof of an agreement between I The consumer and the association. In fact, Dunlap Gardiner LLPs attachment, XXXX XXXX XXXX Covenants proves that the association didnt exist at the time of the creation of the Declaration of Covenants. Dunlap Gardiner LLP uses deception when stating This owner 's property is subject to the Declaration of Covenants. to give a false implication of the owners true identity. When in fact, the document which Dunlap Gardiner LLP provided clearly identifies the owners who are bound by this agreement as the following entities : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Nowhere in the document is there any reference to any agreements amongst any consumer and entity. Lastly, the attachment provided by Dunlap Gardiner LLP as well as its previous statement there is no legal requirement that he signed anything is proof of its use of deception to unlawfully attempt to enforce an unlawful and unenforceable agreement by the constant attempt to extort payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2023-10-22
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I sent {$10.00} to someone named XXXX XXXX through XXXX, He did not receive it, I searched for XXXX Customer Service phone number on XXXX. The following number popped up as XXXX XXXX customer service : XXXX XXXX XXXX. I called that number and believed I was talking to XXXX. I asked about the {$10.00} I sent to XXXX XXXX and the person on the line said, he needs to first confirm my identity. He asked me about Chime, XXXX and XXXX. I told him I have Chime and XXXX. He then proceeded to install a software called XXXX on my cell phone, He did a lot of transactions remotely controlling my phone quite fast without my knowledge, Later I found out he was buying XXXX  under XXXX XXXX XXXX, etc. I had {$700.00} in my Chime account and removed {$450.00} and $ XXXX under a name XXXX XXXX XXXX He also used a debit card I had at XXXX and withdrew {$480.00} and {$10.00} form XXXX XXXX  in XXXX ( XXXX XXXX XXXX ), even though I only had {$25.00} credit there. He called me from XXXX XXXX XXXX a total of 6 times. I answered to one or two calls. After this conversation, I realized that the person on the other line was a scammer. 
All along, I thought I was talking to XXXX. The person even asked to take a picture of my drivers license ( front and back ) and profiles of me ( left and right ). After I hung up, I realized that he was not part of XXXX. I immediately called Chime and told them about the problem of the {$700.00} he removed from my Chime account leaving me with a {$0.00} balance. I talked to their fraud department and asked for their help. They told me they can not do anything for me. I then went to our local XXXX Police Department and filed a report in person with XXXX XXXX XXXX ( XXXX XXXX XXXX ) She assigned a case number XXXX XXXX XXXX  to my case and recommended that I get new drivers license, report the incident to my banks, and take my phone to XXXX to wipe it clean from any XXXX. I followed her recommendations. I now have new checking and debit card numbers and froze my XXXX, XXXX and Chime accounts I would very much appreciate your help in resolving this issue.

Company response to consumer: In progress
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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 called your department after I purchased a credit report with XXXX XXXX dated XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THESE FRAUDULENT ITEMS : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and Utility Bill as verification of my ONLY address.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-19
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: Account information incorrect

Complaint:
XXXX ; Account Number : XXXX This account has an inaccurate reporting because the date Last Reported on XXXX is XX/XX/XXXX while on XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX XXXX The Date Last Active is XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax, not all these dates differ and are inaccurate. The Date reported of Last Payment is inaccurate as well Equifax says XX/XX/XXXX, XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX. As for the Date the account was opened, this information is inaccurate as well ; XXXX is XX/XX/XXXX, XXXX is XX/XX/XXXX and Equifax is XX/XX/XXXX. The creditor 's contact information is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Our household uses BANK OF AMERICA. In the past we have only gotten fake emails, which we have always forwarded to spam @ at our bank. But today for the first time, we got a fake text message over our cell phone, the calling number was XXXX, the online check of this number shows it to be out of New York, but no other information. We are in California. The text claimed to be from BofA Fraud Dept., we do not have this cell phone number listed with our bank, only our main home phone number, which is a cell phone, but it does not take text or use internet. On reading about what can or should be reported to CFPB, lists anything to do with banks being one of the things on the list. We have no idea how on earth to forward this text message to the normally used BofA spam @ address, and we tried all the features we could figure out on our phone. So please at least use the bad guys phone number listed above to go after them the best you can, before they get a text through to some person that falls for the scam and is conned out of their life savings.

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 2023-07-18
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a loan with Honda Financial that opened around XX/XX/2017. I have been making payments on time since, but noticed that there has been no reports to my credit. I called and was advised that there was a system update and my account was deleted. Unfortunately, nothing can be done. I need this reported correctly because I need the good payments as it impacts my credit tremendously. I have included just recent payments, however, I have all the payments available for proof as needed dating to XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm 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

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 2023-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ive been trying to retrieve my credit report from experian and also using XXXX which i pay monthly for now im getting a message after removing stuff off my account that wasnt me its saying " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' last update was the XXXX on the XXXX website it itshowing up blank as no report at all nothing XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XX/XX/19XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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