BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: Experian Information Solutions Inc.
State: AR
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:
This was a time share. We hired someone to give it back to them due to the fact that we were lied to and stolen from. We were treated very rough when. We had a meeting with them and we wouldnt give them more money about buy more of the time share. This has been going on 6 years and it needs to be removed as this was closed and charged off in XXXX as you can see they only reported on XX/XX/XXXX no other times There are some many factual inaccuracies on here that they have violated the fcra all the way around. The dates are inconsistent the reporting is inconsistent the balance is inconsistent. It has been reported as almost therefore they have collected insurance on this and they are owed nothing from me. Please remove at once thanks

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 2022-03-02
Company: Netspend Corporation
State: NY
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:
On XX/XX/21 I lost my Transact XXXX / Netspend XXXX paid debit card. I noticed my wallet missing that same evening and called customer service Immediately. I blocked my card and ordered a replacement card. Soon afterwards I discovered 4 unauthorized transactions on my account that occurred while my card was lost. The transactions were : XXXX {$1100.00} XXXX {$1100.00} Stop and shop {$360.00} XXXX {$150.00} I then filed a dispute ( XXXX ). Approximately 1 week letter I received a letter stating the bank was denying my claim. The denial letter stated " based on their investigation no error occurred ''. I have since then asked for the documentation they used to come to there decision. I have not received any documentation. I have written several letters and made several call to this banking institution and none of my inquiries have been answered. It has now been a year and I still have not gotten any answers nor my lost funds. I read about your organization on the web, will you be able to help 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 2023-06-25
Company: Credit Center, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX my husband got a phone call from XXXX XXXX with Credit Center LLC. She stated there were several outstanding balances for him and XXXX of our children with XXXX XXXX. He asked if she could send documentation and her response was weve already sent out bills, were not sending them again. She asked for a credit card to pay the balance of f almost {$200.00}. My husband told her he would speak to me to see if these bills had been paid. I then called and spoke to XXXX XXXX. I also asked her to send documentation and was told the same thing. I asked her if she was familiar with FDCPA and asked for a supervisor. Her supervisor, XXXX was unavailable, but she would ask her to call me. I am still waiting for that return phone call. I have not received any bills or documentation from either Credit center LLC or XXXX 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 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, XXXX  & Transunion is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I recently submitted a request for investigation of an XXXX XXXX XXXX  XXXX Acct Number # XXXX & XXXX XXXX Acct Number #  XXXX, which In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system. I find this particularly interesting because they made their decision based off of the Name and Address. Ive attached my recent Equifax dispute results along with CFPB complaints and responses against both XXXX XXXX XXXX and XXXX XXXX. 

Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   complaint XX/XX/XXXX XX/XX/XXXX It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter

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 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, Ive deposited cash in an ATM of Bank of America- to be able to pay my bills and to have funds for a vacation for my XXXX  birthday that we were just about to leave. I have deposited {$2800.00} and the ATM glitched and took all my money without registering it. I have opened my bank mobile app and I saw a couple of minutes after that only {$600.00} were registered there. I got into the bank branch and asked for the managers assistance. He got out and told me to just call the bank number on the ATM and explain the situation, and they shouldve been able to help me out. I wanted to call the police but since I was about to miss my plane he advised me not to and to just fix the situation over the phone. And heres how the nightmare started. For a total of three days I have been redirected from one phone number to another, from one department to another, being mistreated and humiliated. It turned out I had to submit a claim and they will investigate for a total of 14 business days. Fourteen business days are half a month, so I have to spend half a month deprived from my money, being unable to pay my hotel and vacation and not being able to buy my XXXX flowers and a gift for her birthday which is today. My rent is due today and I hav written my landlord a check - a check that will be bounced back, that comes at a financial cost - theres a fee for a bounced check, not to mention my reputation and psychological harm. How should I explain to my landlord what happened and why should he care about this? ATMs are open every night to get the deposited money in them, so they knew on the first day that there were more money than there should have been. What is a 14 day investigation? Is this a murder case, what are they investigating? If I take money from a bank, I have been charged interest - who is gon na pay me interest for taking and keeping my money, that Ive been working hard for? I have been so mistreated, neglected, and humiliated I have no words to express this. Since the moment Ive opened the account, every check Ive deposited have been held for more time that promised - leaving me in a million of embarrassing situations but this was the last nail in my coffin. 
Please help me out cause my rights have been violated, and I have no one to address this to. Im at the mercy of Bank of America, they hang up the phone to me and I feel like a beggar.

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 2023-02-09
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NJ
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2021-04-15
Company: Grant & Weber
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:
I have send several letter to Grant & Weber Inc to verify the debt they claim I owe. Also wanted to know original amount and date of the debt. Please see attached letter send to them with attached copy of return received. They never send me any information that proof I owe the debt. So the last time I send a letter I decided to send it certified. My letter was received on XXXX and sign by 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 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I spoke with XXXX at XXXX. XXXX XXXX XXXX Bank of America in XXXX, IL. I was inquiring about depositing checks for my minor son 's who are ( XXXX. and XXXX XXXX XXXX ) and don't have Bank of America accounts, but I do. I asked if I could deposit them in my account and he said no. I told him in years past I deposited my minor son 's checks in my checking account but he said we can not do that anymore I would have to open accounts for my sons. I asked if I could speak with the branch manager and he replied he was the branch manager. I told him I wasn't comfortable giving out my minor sons SSN and other info. because of identify theft and he actually laughed/ chuckled a bit. Anyhow, he refused to deposit my sons checks and was rude and unprofessional. I actually work in the financial regulatory industry and ask this be investigated. I don't know if BOA has some sort of employee incentive compensation program based on account openings but for the life of me I can not understand why he refused to deposit my checks ( which btw : I deposited at another branch with no problems ). I asked that you please remedy this situation so bank customers aren't lied to and forced to open accounts when they are not legally required to.

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 2020-03-26
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have only had XXXX XXXX, XXXX and XXXX XXXX XXXX . I had XXXX XXXX   since the XXXX 's. Then switched to XXXX XXXX XXXX when I moved to XXXX XXXX   in XXXX, I moved back to XXXX in XXXX and started with XXXX then back to XXXX XXXX XXXX. I was checking out my Credit report a few years ago and noticed there was a bunch of addresses, phone numbers, names, inquiries, & debts. I clicked on all the stuff that wasn't mine like XXXX. Time past, I forgot about it. I was able to get a free credit look through different places. I called XXXX and disputed a bunch of stuff. Nothing got removed. I would keep getting people from the XXXX. I called XXXX. I gave them my SSN, the agent said the name and address was not under XXXX or the address he gave me was not mine. I called XXXX  again, and spoke with someone who managed to get some stuff off. The XXXX finally was gone. about 6 months ago I noticed there was inquires that was not mine. I called and spoke with someone who spoke English. She got rid of all the stuff that was not mine. then a few months later a new debt was there. It seemed that XXXX XXXX bought XXXX and now they reported it. I dug through all my bank statements. I was able to go as far back as XXXX. I highlighted my XXXX XXXX XXXX payments. I told them that I couldn't have lived in two places at the same time and have two different phone bills. It didn't make sense. Even with the proof, I called XXXX XXXX, they had not go one call from XXXX  to check if that account belonged to me. They said they would have a record. I mailed the same proof to XXXX XXXX  to dispute this. They say send supporting evidence, and I do and they still will not remove this. If you look at my credit, it was good then you can see where XXXX came out of nowhere. The XXXX dropped off and now it's like they found a loophole to keep putting a debt back on a credit report after statues of Limitations. This sounds illegal. It's not even mine. I don't know what else to do. The police can't do anything except make a report. My wallet was stolen at the beach at one time. I don't remember when exactly. I lost my passport many years ago. I reported this all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
CHASE bank is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an XXXX or owner of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking CHASE policies listed on their website. Only an owner, XXXX of the company or XXXX with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After checking My credit report today, it has come to my attention that Enhanced Recovery Company a debt collector is attempting to collect on a debt that I have no recollection of and/or do not own. ERC has added this debt to my credit report without any formal communication to me. They have also failed to properly document this debt as valid. At NO POINT did I have a debt with XXXX the original creditor cited on the ERC listing on my credit report. This company has hurt my credit rating by 24 points after I have worked so hard to fix my credit. I NEVER owned an account to XXXX and I nor do I owe anything to ERC as I have NEVER dealt with this company as well. The amount the claim thats owed is {$960.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I entered into a settlement agreement with XXXX XXXX XXXX through their third party debt collector XXXX, XXXX in the amount of {$3800.00} to settle the full debt of {$15000.00}. There is a current balance on my credit report for the difference,XXXX, when the balance should be {$0.00} reflecting a settled account. I have attempted to dispute this three times with no success with Experian. There is a one day delay in payment granted by XXXX XXXX XXXX XXXX to pay the same amount for the account to be resolved ( letter states XX/XX/21, approved to pay on XX/XX/21 which was completed ). XXXX XXXX XXXX XXXX has resolved the account and showing a {$0.00} balance. XXXX XXXX XXXX is reporting a balance of XXXX balance on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief