BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CA
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:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX XXXX XXXX '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$2700.00}

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 non-monetary relief
Consumer complaint received 2021-01-08
Company: Experian Information Solutions 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:
XXXX XXXX Credit Card is currently reporting on my credit report. This account is not mine and I disputed it as identity theft with XXXX  and they removed it from my Experian credit report after receiving my identity theft affidavit but then they added back to my Experian credit report. I have done everything thing I needed to being a victim of identity theft but they are reporting on my Experian as 90 days late. This is not account.

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 checked my credit report and there are inquiries on my report i did not consent to. I did not authorize any of these inquiries.

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 2022-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
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:
I requested proof for an account that is reporting incorrect payment to be verified by legal proof i.e. canceled check, payment receipt with signature and date, etc ... and if it was not provided that the account should be updated as paid never late. The time allowed by FCRA law has passed. The credit bureau returned the dispute as verified but when I requested information on how it was investigated and verified, I was not provided this requested information and the creditor continues to report the incorrect payment history and ignoring my many requests.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

I told the XXXX and Transunion to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2021-01-12
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with the original company, the collection agency and credit bureaus. I submitted a stop service at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 to be backdated to XX/XX/2017, when I moved from this address. My final bill was for {$110.00} on XX/XX/2017. 
I have reached out to LJ Ross to ask for proof of debt, as they are reporting to the credit agency {$310.00}. At the time, I could not remember if I had submitted a stop service, but once I did find the verification, I submitted to the collection agency of the proof that I did not live at that address after XX/XX/2017. 
They have not provided the proof of debt after phone calls and written letters. They continue to submit negative remarks to the credit bureau.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Notice of Dispute This is concerning Account XXXX : XXXX. I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act, and all I received was a copy of the alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 
The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 
This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations in GA has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I intend to take all legal steps available to me if I do not hear back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My SSN and credit profile was released by XXXX companies. I checked my credit report and I have a number of inquiries that are not mine. I have called the companies and they say I must dispute with the bureau. I contacted the bureaus and they say I must make a report with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
See attached disputes that was mailed out to Lexis Nexis on XX/XX/2021 and on XX/XX/2021. Please review and respond to my attached disputes immediately. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: JPMORGAN CHASE & CO.
State: FL
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:
I need a few statements from XXXX and XXXX from my Chase Credit Card. I have been a card holder in good standing for 20 years. I received the docuemnts from XXXX I needed. When I called back to get the XXXX and XXXX documents all of the staff told me they can not help me even though I got XXXX documents. I have uploaded the XXXX documents they sent me with the request for the XXXX and XXXX documents I need but no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I submitted a claim with Bank of America on XX/XX/21 because I was unable to make purchases at 2 different merchants. Once I called I was told I had a balance of XXXX cents and I knew I had a balance of {$240000.00}. I gave the rep my information and was told that I would receive a call in 2 days. That never happened so I called back and was informed that the claim was never submitted. At that point, I lost all trust. I called the next week and was told my claim was submitted for {$750.00} and that was the wrong amount. Its been a nightmare since that point. I have spoken to at least 40 reps, supervisors, and managers. No one is consistent with their information. I have emailed, texted, and direct messaged Bank of America. I have asked for a corporate number and they respond by saying there is no such number. I have gone into the Bank Of America branch and they informed me that they can not help me because it is my unemployment card. I spoke to ( 2 ) people on XX/XX/21. XXXX who is a manager and XXXX who is a supervisor and they assured me that an escalation had been submitted after having being told by at least 10 other reps that it had already happened and that the disclaimer states they have 30 days to respond to it and return my money. I have been credited {$1200.00} but am still owed {$1100.00}. I spoke to a supervisor today named XXXX and she told me they are still working on it and can not assure me of the XX/XX/21 deadline they assured me of on XX/XX/21. I have exhausted all my resources trying to resolve this and Bank of America has been lying to me since XX/XX/21 and the investigation proved my account had been compromised of XXXX XXXX in the amount of {$2400.00}. My bills are beyond behind and they continue to spin their web of lies and make mistake after mistake after mistake and I feel they are purposely doing this and will not release the remainder of my money. They also submitted at least 30 complaints that are probably sitting on a desk somewhere.

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 2023-05-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Account # XXXX Hello, my chase checking account was closed XX/XX/XXXX. Early XXXX, I found out I was a victim of identity theft in which my information was used to file for unemployment. Two of the direct deposits ended up going to the closed chase account. One of the payments was returned back to unemployment, the second payment was applied to a charge off on my account. I spoke with the Chase XXXX XXXX, to inquire on what exactly what the charge off was on my account. Since the charge off was more than 3 years, they do not maintain that information. The fraudulent money has yet to be returned to unemployment and my wages was being garnished by the state of IL due to the overpayment. Chase stated they are unable to give the money back to me or unemployment. Please assist. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2018 enhanced recovery company claims XX/XX/XXXX I owe XXXX {$790.00} but I've had this debt long ago. They never contacted me through mail in an attempt to collect this debt and give me an opportunity to dispute this debt. They did how ever hire someone to harass me at my workplace to get a hold of me. Which I thought was truly disrespectful and unprofessional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My on line banking is being accessed by another device. The person who's doing it is paying for rent at other places. Buying things online. And changing my password. Also changing my address address. My address is getting changed.

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 2021-06-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This is my 3rd request and no one at any of the credit bureaus and handling my dispute requests. I am requesting that these below accounts be deleted from my credit report, especially if they are unverified and non-compliant. Thank You, XXXX XXXX - XXXXUnverified Account- Delete immediately XXXX XXXX XXXXXXXX XXXX XXXXUnverfiied Account- Delete immediately XXXX XXXX XXXX XXXX XXXX Unverified Account- Delete immediately I am really looking for some guidance here ... The Credit bureaus are failing to respond and the CFPB is not assisting me at all here. I am trying to take care of my credit. 

Sincerely, 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2019-04-23
Company: CARD Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My name is XXXX XXXX. I had my IRS Tax Return direct deposited on a prepaid card who is insured through the FDIC and issued through The XXXX XXXX  called Card.com last year in XX/XX/XXXX. I lost my card and was never able to obtain another one or ever use any of my money. In XX/XX/XXXX after sending them all the proper identification documents, the company locked my account and did not return me my money instead requesting a letter of identification from the IRS in order to return my money back to the IRS. I've spoken with the IRS /US Department of Treasury and they do not send those letters out to anyone and told me that whatever bank I used is a scam and advised me to hire an attorney. Well its been almost a year and I gave up on getting my {$6000.00} back because i dont have the money to hire an attorney but thought this bank is insured by the FDIC and is never going to give me my money so I'm trying to tell anyone I can about this company and try to get any kind of help or advise on this. My name is XXXX XXXX birth date XX/XX/XXXX and my telephone number is XXXX. You can email me back on this email as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions 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. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2021-02-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2021, I made a transfer of {$250.00} from my savings account which is linked to my checking account, and set with direct deposit from my job. TD Bank illegally charged me a fee of the amount of {$35.00} because I did not have the funds, without taking into consideration that my accounts are linked. 

In addition, they should take into consideration that we are in a state of emergency due to the pandemic and my hours from work have been cut as well. 

Please, I want my money back.

Company response to consumer: Closed with monetary relief