BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
If I already paid, they should delete it from my history.

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 2020-03-11
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not responsible for this debt that National Credit Adjusters placed on my credit for {$340.00}. According to the FCRA the debt collection agency has thirty ( 30 ) Calendar days to respond to a debt validation request and provide me with proof that the debt is indeed mine. I sent debt validation letter to National Credit Adjusters on XX/XX/2019, and they then sent me back a letter dated for XX/XX/2019 saying that they would need longer than 30 days, and that they were ceasing collection attempts. I have never received any documentation that proves that debt is mine. Since they are not able to validate the debt and prove that it belongs to me, I Would like for them to remove it from all credit bureaus, and not be able to sell it to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of Identity theft. My social security has been used to open credit cards with XXXX and XXXX XXXX. XXXX has validated that credit cards were opened up with my personal information without my consent. I reported the identity theft to the police and reports were made. I disputed all accounts with all three credit bureaus who continue to report the accounts are negative or charged off. 

I am requesting the XXXX accounts be removed for all three credit agencies that are reflecting as negative which are indeed not my accounts. The XXXX XXXX account that is also reported as a charge off be removed because that is not my account, that was opened with my personal information that was stolen. 

Enclosed are copies of the letters I received from XXXX and XXXX XXXX validating my personal information was used to open the accounts without my consent. I am enclosing police reports validating that I am a victim of Identity theft. 
Please remove all accounts listed on my credit reports pertaining to XXXX and XXXX XXXX. 
Sincerely, XXXX XXXX XXXX : XXXX letters confirming my personal information was used without my consent and my social security number was used to open these accounts. Police reports

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 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The social security number is wrong and belongs to my daughter named the same as me, but with different middle initial. The experian credit report will not change the report and it remains the same. When calling the reps take your information and can not be trusted to be confidential and they may keep your information to use later

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 2022-03-20
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt collector refuses to send debt back to original debtor for me to settle with them. This collection agency has made contact with me after my Cease and Desist letter was sent on XX/XX/XXXX of this year. To this date the debt is still at their office and not sent back to XXXX XXXX of XXXX. Alleged debt amount is {$500.00}. They have also threatened to send the debt to a credit reporting agency to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
I made a debt request to XXXX XXXXXXXX about this account XXXX, i did it many time and then could not provide information about this 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 explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions 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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2022-03-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022, I paid off my student loans to XXXX. One loan balance was {$4.00}. The second one was {$21000.00}. I paid both in full and XXXX reported the accounts as closed. As a result, my credit score dropped by XXXX point. During this same time, XXXX reported that my loan to them had been reduced by {$960.00}. I don't understand why Equifax is reporting a score decrease when I decreased by debt. Also, during this same time period, Equifax reported that my borrowing power had decreased from {$100000.00} to {$15000.00}. I also paid of a mortgage of {$120000.00}. With reducing my debt by nearly {$150000.00}, it does not make sense that both my borrowing power and my credit score has dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act XXXX  1 ) XXXX XXXX  account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights 3 ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX 5 ) XXXX account # XXXX, has violated my rights. 
6 ) XXXX  XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
9 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX XXXX Account # XXXX, has violated my rights. 
11 ) XXXX  XXXX account # XXXX, has violated my rights. 
12 ) XXXX account # 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. also states 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 2021-06-23
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Macys department store has not come clean. I have two accounts and no credit cards! Its been some years maybe 8 since I had and used the XXXX XXXX/Macys card. They contacted me and stated they were no longer using XXXX XXXX-backed macys cards but would send a replacement. XXXX have used it once or twice. But since misplaced and called and received a new card. Now when I happen to be in the city I use my ID for the XXXX purchases. This year I have had a balance each month I pay off in full. I try to use the automated teller but I am unsuccessful each and every time because the robotic voice transfers me to a person to pay and I am charged a {$5.00} fee. I want to fight any fees charged because I put in my social security number and I get nowhere. They say I have no account number or the wrong account number. I received a notice for another account about changing the policy on late fees. I am unable to get clarity on my account or any accounts associated with MY social security number. The calls are routed to another part of the world outside the XXXX XXXX where I cant get satisfaction of oversight or assurance,

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 2022-03-19
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i proceeded to finally book a vacation package for my family. I can not afford it up front so i saw i could do " Monthly payments '' upon checking out on XXXX app. I was searching for days and my travellers ' names were all correct on XXXX and XXXX. 
However this site took me to Affirm ( the company to loan me the trip ) site to complete booking. I was never diverted to a page from Affirm to check my package before they said it's booked. I am careful so i immediately called XXXX to correct the last name of my stepdad. XXXX XXXX should be XXXX XXXX. I booked at XXXX. and by XXXX up to XXXXXXXX XXXX i was on the phone with agents. 
XXXX told me to call the airlines. I called XXXX ( who would take us to XXXX, and XXXX XXXX for our return ). Both airlines said XXXX needed to change it. One agent at XXXX XXXX said " i know exactly what is happening, don't let them get away with it ''! No joke. 
Not to mention my whole package processed by XXXX has the wrong name. I called them back to tell them the airlines can not. They insisted they would not change it and my only option is to cancel the flights. At the same moment i'm telling them i can not afford to pay for flights and can not find matching around the hotel and activities. 
They cancelled everything and said they would contact the hotel at XXXX to send them a message to make an " exception '' for me. 
I called the hotel at XXXX my time in XXXX. They said XXXX needed to send an email. So i called XXXX to send the email and gave them the hotel 's email address. 
By this time i'm also alerting Affirm. But their site wouldn't allow a dispute until the loan is approved. It took 3 days as the site showed " XXXX loan is processing ''. I don't know and have no way to know what XXXX sent Affirm. 
XXXX sent an email saying they will refund Affirm only a portion. 
Affirm is now telling me i owe them FOR NOTHING!!! 
THIS IS BLATANT FRAUD. STEALING. 
I finally fixed my credit enough to buy a house XXXX  for me and my little girl and now i will be ruined. I have no vacation. It was only going to be 4 days but i thought it would have been worth it since my parents never had a vacation like that ever! 
Please help... i was tricked and i never got a chance to fix their mistake and i was even told the transaction is VOID but they are still saying i owe. 
XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Affirm- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chase put a restriction on my checking account on XX/XX/XXXX. Would not tell me why they did it. After 30+ years they said that they are cutting ties with my. But after the account was put into restriction status, Chase accepted direct deposits to the account. I had to go to the back branch on XXXX XXXX XXXX numerus times to see what is going on. This is because the they would not tell me over the phone. I had to tell them that the funds that they accepted was after the account was restricted. And I want my money from them. The first time the staff was able to get the check released from the account by someone over the phone. The next day the did the same thing. So another trip to the bank. That time the staff was very rude and was not able to get the funds released by someone she called. She had to go to the manger. He released the funds from that check. But without saying Do not return to this branch any more. She said you can go to any branch if there is anymore problems. I checked my account sure enough there was another check posted. I called up and talked to someone on the XXXX of XX/XX/XXXX. That woman said that the account would be closed in XXXX business days and that I can go to the branch and get the fund there. But on XX/XX/XXXX I checked the account there was a ZERO balance and that the was a withdraw of the balance of the funds in the account. At that time I called the Number on the card and was transferred to someone that can help. That person said that was never the case that if I went to a branch they would issue me a casher 's check for the amount. She still never informed me why they closed that Chase is cutting ties with me. But the check was cut and it should be her by next week sometime. This is not right to find out that your account ties was terminated by calling up them after your card was declined why purchasing items at a store. That made me feel so low. I feel that Chase should called the number on file on XX/XX/XXXX to tell me. Not me finding out on XX/XX/XXXX at a store.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions 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:
I am XXXX XXXX XXXX a federally protected consumer. EXPERIAN is violating my federally protected right as a consumer by furnishing a consumer report without my written consent. this is a violation of 15 USC 1681 ( b ) ( 2 ).

As a federally protected consumer I am alarmed and seriously concerned that Consumer Reporting companies are consistently violating the law willfully. 

Please see the attachments as they provide proof that Experian is violating my federally protected consumer rights in many ways.

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 2021-08-15
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:
On XX/XX/21 I sent a letter to TransUnion asking them for the method of verification they used to verify the bankruptcy they have on my credit report. 

On XX/XX/21 TransUnion replied that the bankruptcy was " verified as accurate '' without providing any method of how they actually verifired this information. 

On XX/XX/21 I sent a follow up letter asking for documents and methods used to verify this alleged bankruptcy. On XX/XX/21 they replied the information was verified through USBK Court XXXX XXXX. 

On XX/XX/21 I sent a follow up letter with two inclosed statements from the USBK Court stating they DO NOT report to the credit bureaus or any 3rd party reporting agencies. This means the information could not have been properly verified and needs to be deleted from my credit report. 

On XX/XX/21 TransUnion replied again stating the information was " verified as accurate '' through the USBK Court XXXX XXXX 

On XX/XX/21 I sent a third follow up letter, again with supporting documents directly from the USBK Court stating they do not report to any credit bureaus and demanded that this UNVERIFIED bankruptcy be deleted from my file within 30 days in compliance with the FCRA laws. 

On XX/XX/21 TransUnion sent me the same letter again claiming the information was verified through the USBK Court.

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 2022-03-19
Company: Experian Information Solutions Inc.
State: VA
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:
Experian has elected to completely ignore my request to certify that they have complied with XXXX XXXX - XXXX XXXX. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has a reporting relationship : XXXX Compliance mandates that carbon copies ( Carbon Copies!! ) be sent out. Also, the regulation says that simply sending carbon copies to the other bureaus is not sufficient. They are required to send carbon copies to ALL the places they have reporting relationships with that they have shared that reporting with. This DOES NOT mean just for that one bureau, or for just the main 3 bureaus, but ANY data furnisher they do business with in regard to this client. This fact alone makes it virtually impossible to comply with XXXX reporting standards. Even providing that the XXXX has carbon copies, how would they construct hundreds of them for each individual that disputes or challenges an item on their credit profile? 

Before I pursue a claim in Small Claims Court, I'm giving Experian one last time to certify that removal of the following accounts was shared with XXXX and XXXX : XXXX XXXX XXXX XXXXXXXX  I specifically asked for this in Complaint # XXXX, filed on XX/XX/2022, and that case was closed without responding to this specific regulatory requirement.

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 2022-03-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( XXXX, EQUIFAX, XXXX ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account 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 My name is XXXX XXXX XXXX XXXX XX/XX/1990 last 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 2019-01-03
Company: Colony Brands, Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Experian Information Solutions 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 printed a copy of my annual credit report, from Experian, onXX/XX/2018. I noticed to negative items filed under Public Records. There are two liens, Reference Numbers XXXX & XXXX. I contacted the court that filed these liens, XXXX County Recorder and found the liens to be filed erroneously. My father and I share the same name, but have different suffixes, birthdays, and most importantly different social security numbers. I contacted Experian to start my dispute, and explained to them that I had obtained Certified Copies of each tax lien. These copies clearly show the social security numbers associated with the liens are not a match to my social security number. I have sent them to Experian both digitally and through traditional mail service. Since I first spoke with the dispute representative I have not been able to contact Experian by phone. After working through their automated system and entering my report number and social security number I am now directed to a new set of menu options that does not allow me to speak to a representative. I am given the option to purchase another credit report or choose another option that is unrelated to my issue.

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