BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found 30 day late payments reported for XXXX, XXXX and XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach 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 2024-01-08
Company: U.S. BANCORP
State: CA
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 believe that my information is being misused and reported as inaccurate and I am filing this complaint to US BANK. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written 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 2019-07-04
Company: ERC
State: MO
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:
The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 

1 ) XXXX XXXX # XXXX 2 ) Enhanced Recovery Co # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
transunion is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. Transunion discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. Transunion did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. Transunion lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue transunion and its board members for malfeasance. Transunion also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. Transunion is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my XXXX  and XXXX  reports. I have reported Transunion to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. Transunion KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. Transunion is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. TRANSUNION ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.TRANUNION DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE XXXX  AND XXXX  DID. DO NOT SEND THIS COMPLAINT TO COOLINS ASET MANAGEMENT, TRANUNION WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! TRANSUNION AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY.

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 2024-01-08
Company: U.S. BANCORP
State: CA
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 believe that my information is being misused and reported as inaccurate and I am filing this complaint to ELAN FINANCIAL SERVICE. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my XXXX  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 2022-06-16
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During the time starting at XX/XX/2020 my name was used to open a fraud account with XXXX XXXX. On my XXXX report I saw addresses based in Texas that were supposedly linked to me as places of previous residence. I have never live in Texas nor ever had an XXXX XXXX account! The racked up charges of approx {$740.00}. 

I have had multiple activity appear on my credit report as a result of this fraud. I need help please. I have contacted XXXX XXXX and I am in the process of faxing them a fraud packet along with a Police statement. 

My residence has always resided here in NJ. I will include utility bill to showcase just that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: JPMORGAN CHASE & CO.
State: MD
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:
My wife used my credit card number without my consent to create an account and subscription with two online babysitting companies that charged {$62.00} and {$35.00} to my Chase credit card each month for almost two years each. Though we resolved the babysitting situation without these companies within a month, my wife continued to keep the accounts open, racking up a total bill of over {$1500.00} before I caught the error. I have been in the process of divorcing her while the bills accumulated. I had no access to these accounts nor the notices that they were charging me as the accounts were made in her name and with her contact information. Chase made an initial determination that it could not be fraud because I " knew the name of the person '' who committed the fraud. I asked the representative if this meant that if I knew the name of a cashier who stole my credit card number and used it outside of my consent or control would this also count as my responsibility. He declined to answer. I appealed the decision and received word over email that Chase had rejected my appeal and closed the case. Chase committed an abuse of power with this decision and should be held accountable. My divorce is expensive and I am accumulating a lot of debt despite my steady employment. Every element of this situation would be declared fraud from any fair judge and yet because of the debt, I am already accumulating, I can not fight Chase in court to reverse this decision. To XXXX 's credit, they did recognize the fraud and reimbursed me {$210.00}. Please help me to get the rest of my fair reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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: Old information reappears or never goes away

Complaint:
On XX/XX/2022, I received an alert that my score had plummeted a significant amount. Upon reaching out to the major credit bureaus, I was received by their automated answering machines which both hung up the line several times. Upon finally getting to an actual live agent ( with Experian ) after trying for about 45 minutes to 1 hour, I explained to them that my credit score had decreased by about 50 points in one day even though I had no outstanding debts and my student loans had been paid off in full. They then brought my attention to the fact that there was still one account that was potentially still negatively impacting my credit score. It was an account that had been paid off and closed for about 2 years. Furthermore, at the time at which I had paid off this account I was told that it would be closed and would no longer be a factor in my credit report. Therefore, I proceeded with that information in mind. After explaining this situation to the agent I had finally been able to reach, they essentially told me their was absolutely nothing they could do for me except connect me with a credit monitoring agency which charges XXXX $ /month for their services which I can not afford.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Midland Credit Management Inc timing to resolve a dispute on an alleged account is unacceptable. As of XX/XX/2023 I submitted a claim here with the CFPB stating I told MCM inc to cease and desist and they did not take me seriously. 15 U.S. Code 1692c ( C ) has been violated by MCM Inc and my FDPCA rights has been violated. Second As 15 U.S. Code 1692g states this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " 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. I have never given MCM Inc consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. MCM Inc is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me on this alleged account. Third MCM Inc is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. Fourth MCM Inc needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in XXXX Law Dictionary ( 4th ED. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. MCM Inc shall provide a signed valid contract with these terms including A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. Also under Tennessee state law ( TN Code 26-2-111 ( A ) ) and 11 U.S. Code 522 ( 10 ) ( A ) The only income I have coming in is Unemployment from the State Of Tennessee. This information is in no way an acknowledgment that I owe on this alleged account. This is considered exempt income under Tennesse Law and US Federal Law. If MCM Inc fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Currently bought the 3-1 credit report from 3 major credit bureaus and see on the XXXX, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the XXXX.. Tried contacting XXXX about but cant get to a live person regarding this matter upon trying to lock my credit with XXXX doesnt let me cause reported address has been changed. With transunion report of 1 false credit report and XXXX showing 3 false credit reports. All the inquiries span of the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these have more then one application for a credit card opened.

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 2021-07-19
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: Public record information inaccurate

Complaint:
I don't recognize this public record so I contacted the courts and they stated that the information I gave them didn't matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. I never filed bankruptcy ever in my life. This public record on my report is inaccurate and I demand that it gets deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I drafted and mailed letters to Equifax, XXXX and XXXX to update my personal information. I provided my correct address, full legal name, my only SSN associated with my name, my only correct date of birth, my only employer. Furthermore I requested the removal of all phone numbers. I also requested the removal of all other address off my report. The post office will not be able to deliver to inaccurate address per Fair Credit Reporting Act since they are not accurate. As of XX/XX/XXXX, the corrections have not been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The balance for my student loan debt is reporting multiple times on my credit report for different amounts, under the same account number.

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 2018-09-04
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
During XX/XX/XXXX, I applied for an auto loan with XXXX XXXX in which they pulled my credit multiple times that was only authorized for one pull. I have called the dealership and Equifax on multiple occasions and they keep sending me back and forth between the two. The dealership stated I should not be worried about it because the multiple inquiries only count as one anyways ( inaccurate ). 

During XX/XX/XXXX, I applied for a tralier loan with XXXX XXXX, they too also pulled my report multiple times which should have only been one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One issued a credit card under my SS # on XX/XX/15. I would have been XXXX-years old at the time. I did not apply for this card and was not even old enough to legally have a credit card. Capital One did not perform their due diligence when approving this card. Capital One then sold the debt to XXXX XXXX XXXX. I have contacted them on 2 occasions to file a dispute and advised them of my birthday and the situation. All they keep doing is responding by providing me with the account information from Capital One as the seller. This is not a valid debt. This all started due to the negligence of Capital One. They will not help since the sold the debt and XXXX XXXX XXXX is ignoring the fact that I was XXXX-years old when the card was taken out. They even confirmed with me that the date of birth on the account was not mine. This needs to be resolved and has been going on for months. All they have to do is match up my social with my birthday and they can see that I can not possibly be legally liable for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 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 2023-12-25
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans are in forebearance until 2040, but I want to remove it so I can make payments towards public service loan forgiveness. I have made many requests over the past two months that they remove the forebearance, but they never do. I have missed two payments towards PSLF now. They told me over the phone that they will remove it but they never did. They ignore my electronic communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Santander Consumer USA 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:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation