BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-17
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:
I was just notified via XXXX XXXX that my Equifax Credit Report has a delinquent account. I then logged into Equifax, reviewed my credit report and noticed that there is in fact a delinquent account present. The delinquent account is from a Homeowners Association in XXXX, TX. Specifically, it was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX I have never lived in or owned property in XXXX, Tx or XXXX XXXX. My home is located on private property in XXXX, Tx. 
Furthermore, I have never owned property that was subject to a Homeowners Association. I am 100 % positive that this account does not belong to me. My credit score dropped more than 100 points overnight. I have contacted an attorney and plan to sue XXXX XXXX XXXX XXXX Fair Credit Reporting Act? I have been harmed financially due to XXXX XXXX XXXX negligence and record keeping practices. Is there anything your agency can do to help me with this matter? 

Sincerely, XXXX XXXX XXXX Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Public record information inaccurate

Complaint:
On XX/XX/2023 I requested that Transunion, XXXX and XXXX validate that a bankruptcy that was reporting on my credit report was indeed mine. However, XXXX was the only one that replied verified although they did not investigate. Transunion and XXXX actually ignored my request. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. They violated my rights by not investigating and ignoring my request. The courts do not validate and there's nothing on my XXXX  XXXX reporting that shows any sign of a bankruptcy.

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 2020-08-28
Company: Dynamic Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Dynamic Recovery Solutions LLC of XXXX, SC is sending debt collection notices to my employer for a debt that is long since resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently looked at my credit report and noticed a new entry a charge off by PHEAA/AES/XXXX which I assume refers to a student loan I co-signed. This account was turned over to a collection agency XXXX, XXXX XXXX XXXX 5 years ago. I have been making monthly payments to the collection agency for 5 years. I have not missed a payment. How can this account be recently added and listed as a charge off?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2022-04-06
Company: DriveTime
State: FL
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX account # XXXX is reporting the following account on my consumer report as charged-off. 

According to IRS publication 4681-2022/1099c ( Persons who each receive a Form 1099-C showing the full amount of debt. Form 1099-C shows the entire amount of the canceled debt. The ordinary income from the cancellation of debt ( the excess of the canceled debt over the FMV of the property ) must be included in your gross income reported on your tax return unless one of the exceptions or exclusions described later applies. You must report this income on your return unless certain exceptions or exclusions apply. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in XXXX  XXXX. 

A total of {$5900.00} was charged off ; and {$1300.00} was written.

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2022-12-17
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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 2022-04-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to the credit agencies to have these unauthorized inquiries removed from my report and there has been no adjustments to my report. Here are the hard inquiries listed 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On about XX/XX/XXXX Chase Bank had debut issue nationwide I was not aware of. I tried to take XXXX from thier atm at route XXXX and XXXX in XXXX, IL. Nothing came out it just spun. Lady in next lane same issue. Unaware I later went to XXXX in XXXX, IL and used thier atm tried to withdraw XXXX got XXXX and XXXX charge, an error message tried to screen shot with phone but screen disappeared to fast. Bartender said " it was broken. '' I asked, than why no sign?! '' Stated to use atm up front, so I walk in front of restaurant and try to take XXXX machine gives error message, no cash and check my account debited me XXXX. 
I call Chase bank claims immediately as I this point my account already messed up. Woman says " so sorry we are having nationwide issues with our debit system etc. '' Tells ne file a claim. 

I tried one more time on a purchase at XXXX dies nit work, error message. Go home and that Nighy or next morning speak with claims and they file privisonary credit for every transaction that day, I di nit think foreign agent understood me correctly. 

I get provisional credit of I think around XXXX? 

Last week XX/XX/XXXX get letter reversing XXXX credit as " machines aid I recieved money! '' Had to go to branch twice and get off work early as no one could assist personal XXXX XXXX at XXXX on XXXX XXXX & XXXX in XXXX, il XXXX XX/XX/XXXX to help me file counter claim. Had to go back XX/XX/XXXX XXXX a Non-Fraud Atm Dispute form for XXXX XXXX. 
I ask what about the rest of claims? He said " Oh your fine, nothing else here on account " XXXX XXXX I get letter from Chase stating reversing ALL provisional credit. 
I call claims tell me same thing " machine say you recieved money " No help whatsoever! 

I am being charged XXXX XXXX, XXXX XXXX and and XXXX that I never recieved please help me I am a senior with health issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: MA
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:
My dispute is with XXXX XXXX XXXX. Account Information : Account # XXXX ProductXXXX XXXX VINXXXX Term:36  In XXXX of this year, we moved from XXXX XXXX XXXX. to XXXX XXXX XXXX XXXX MA, XXXX. 

I called and reported my move to XXXX XXXX XXXX in late XXXX. By the time I called and a bill had been resent, the account was overdue. 

I received a call from collections sometime in XXXX about the delinquency of the account. Collections requested a payment over the phone. I explained that I was not going to give my credit card information out to anyone over the phone, that I had moved and to please send me a bill and I would pay immediately. 

While no bill had come in the preceding week, I took it upon myself to create an account with XXXX XXXX  XXXX  and paid over the internet. I have had the lease for 3 years and have never paid late. 

This delinquency caused my credit to drop significantly. 

So i called XXXX and explained the case. They said that bc collections called me then they were absolved from any dispute. I explained that I pleaded with collections to send a bill immediately but no bill was sent. That the forwarded mail as well as the XX/XX/XXXX/XX/XX/XXXX statement arrived yet the account was already overdue. 

Collections for XXXX does not send account statements out and I was uncomfortable making a payment over the phone. They believe that just bc collections called me and I answered then I was responsible for the bill as well as reporting to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
In accordance with the fair credit reporting act this creditor has violated my rights 15 USC 1681 section 602 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
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/2020, an unauthorized ACH transaction took {$2300.00} from my Navy Federal Credit Union ( NFCU ) checking account. I contacted NFCU immediately upon discovering this transaction -- informing them that I did not initiate the transaction. The checking account was closed and a fraud claim was completed. 

On XX/XX/2020, I received a letter from NFCU dated XX/XX/XXXX. The letter stated in part, " After a thorough investigation, we have concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$2300.00}. You have the right to request information concerning the investigation and how we arrived at this conclusion. '' Requests for the fraud claim investigation information have been made through several phone calls to NFCU, two visits to local branch offices, and by email. Each time, I was told that the investigation report was the property of NCFU and can not be shared with me and that it would have to be subpoenaed. Their letter stated that I the right to request information concerning their investigation, yet, repeatedly, I have been denied the information needed to submit an appeal. 

I feel that NFCU failed to protect my checking account and failed to take action to retrieve funds that were fraudulently taken from my account and transferred to a XXXX   XXXX XXXX account even though they had the name of the individual and bank account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My identity was stolen a while back. I did not know. My info has been used 33 times in the dark web. They took over my XXXX and I'm constantly being hacked in my bank account. This is not my card this is a fraudulent account made by someone else in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: CA
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 16TH 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$2000.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Comerica
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account at a branch with US bank in XX/XX/2019. At the time they had a promotion for {$300.00} if certain criteria were met. This can be and has been verified by US Bank. I met the criteria and have yet to receive the {$300.00}. Ive contacted the support services and the branch. Ive left voicemails with the branch on multiple occasions. Twice I was able to reach a bank representative who told me that they would get back to me, but never called back. Support services has told me several different stories. At one point I was told Id receive the money within 30 days, but never received it. On two other occasions in the past 3 months I was told that they would work it out and that someone from the branch would be reaching out to me. Needless to say this did not happen. Basically, support services tells me theyre not responsible and I have to deal with the branch. The branch tells me the employee who opened my account is no longer with the company and theyd have to escalate my issue which will take some time. Both dead ends.

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 2019-04-03
Company: Reliant Capital Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see my prior complaint # XXXX Reliant Capital Solutions LLC called my number about a debt that is not mine, and other agencies have failed to validate. A validation of debt notice was mailed to Reliant Capital Solutions LLC today. XXXX XXXX XXXX has also closed this case but it seems the debt was bought.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Different items were added to my car loan without my knowledge and my vehicle was repossessed

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