BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: GA
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:
Upon looking over my credit profile with all 3 major credit bureaus I noticed I had some inaccurate accounts on my credit report. I immediately disputed these accounts on all 3 major bureaus sites, to no avail. I sent dispute letters on XXXX and did not receive a response from neither bureau. I also sent a certified demand to comply letter on XXXX and have yet to receive a response. 

The credit bureaus had 30 days to confirm or delate these items off of my credit report and they failed to do so, even after the demand to comply letter. Im asking that all 12 accounts be removed from my 3 credit reports immediately. 

The inaccurate information/accounts are : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thanks for your time in this matter. Accordingly I await your response.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is in Violation of Reporting Unauthorized Inquires 15 usc s 16881 b ( c ) ( 1 ) ( a ) All Inquires are Misleading False and Fraud Under 15 U.S Code 1681b Please Delete All Of The Fraudulent Inquires From 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
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: NV
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:
My Previous Complaint XXXX After sending XXXX XXXX XXXX Experian and XXXX my information twice they are refusing to let me verify my own identity. XXXX has acquired and are furnishing incorrect information and fraudulent data and fraudulent information participating in willful negligence which is stopping me from recovering from identity theft, barring me from financial products and hindering living arrangements due to keeping inaccurate and incorrect old, outdated information on my credit report file, this is my 3 time trying to figure out how has my name, address, social gets changed without me ever knowing and then they not allow me to correct my own information, it's insane!

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 2022-04-20
Company: Alpha Recovery Corp
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I moved into the XXXX  at XXXX XXXX in XXXX, Florida ( XXXX XXXX XXXX XXXX, FL XXXX, phone : XXXX ) ; which is an apartment complex managed under The Cardinal Group Management ( XXXX XXXX XXXX XXXX, # XXXX XXXX, CO XXXX phone : XXXX ). 

After several ( over 20 ) emailed complaints during my residence ( e.g. gnats, roaches, wasps, inoperable air conditioner, torn furniture, missing furniture, etc. ) and no resolution, I was able to speak with the apartment manager ; XXXX XXXX and she agreed to allow me terminate my rental agreement in an in person conversation. I followed up and received a confirmation email from XXXX XXXX the Marketing Team Leader regarding the conversation with XXXX XXXX and myself on XX/XX/XXXX confirming the permission to cancel the leasing agreement with XXXX XXXX on the email as well. 

On XX/XX/XXXX I received email correspondence from the management company indicating that I had an outstanding electric bill. This email thread continued on into XX/XX/XXXX with the following XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX : Portfolio XXXX, XXXX XXXX, and XXXX Washington. All personnel chose to stop responding to emails as of XX/XX/XXXX from XXXX XXXX whom was investigating the ONLY outstanding bill from as of XX/XX/XXXX, which was a high electric bill. 

On XX/XX/XXXX I received an email with the debt for the term of the entire lease at {$4200.00}. As previously mentioned, the lease was cancelled per management agreement. 

Recently, I received mail notification from a debt collection agency- Alpha Recovery Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX CO XXXX, phone : XXXX ) for a debt collection amount of {$4200.00}. 
I called the debt collection agency to dispute the debt and the agent indicated that he had information he received from Cardinal Group Management and that I am required to pay the debt. I stated how I had written documents to confirm that the debt is null and he stated that I would need to call the management company because he only is required to collect the debt. 

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX XXXX and emailed the apartment manager, XXXX XXXX and did not receive a response regarding this outstanding debt. 

I also emailed the aforementioned Cardinal Group Management employees on XX/XX/XXXX and XX/XX/XXXX and no one has responded to any of my emails. 

This debt is now reflected on my credit history and I have yet to receive any responses or answers from the company responsible for this debt. I have written documentation from staff that verifies the cancellation of the lease and yet, 2 years later I have received a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around nine different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.

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 2022-10-16
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX  has taken thousands of dollars refused to change email and password for me after my password phone and such were stolen. I sent the police report and documents to no avail. Cashapp also denied my XXXX dispute from the robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: LA
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:
As I was checking my credit report I have noticed I had 31 hard inquires filed on my credit report that I have not applied for. My info was used multiple times for things I haven't applied for on my XXXX and XXXX  credit report. 
Here 's a list of inquiries that were used under my name and was not from me. Victim of identity theft. 
************************************* XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX All inquiries were listed more than once none of these were sent over by me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/, XXXX, CT branch of JP Morgan Chase was entered and three ( 3 ) checks were deposited. Two ( 2 ) of the checks were Official Bank Checks from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The third check was an attorney 's escrow fund check from an unknown bank. The two ( 2 ) Official Bank Checks totaled approx. {$1.00} XXXX and the third check was for about {$110000.00}. A fairly typical real estate transaction. 

I have been advised that the Official Bank Check deposits will not clear until XXXX XX/XX/2023. That is twelve ( 12 ) days!!! The third check is scheduled to clear in five ( 5 ) days!!! The " lost '' interest on these funds exceeds {$1000.00} per week which I formally request reimbursement.The checks were made payable directly to the account owners and deposited into an account titled in the account owners names ( s ). There is absolutely NOTHING out of the ordinary with these checks. 

I have been a JP Morgan Chase depositor for in excess of fifty ( 50 ) years. Balances in excess of {$250000.00} are consistently maintained and I am a so-called " Private Client ''. 

These funds are needed and it is incomprehensible that funds are being held for almost two ( 2 ) weeks when they should have been available the next business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: MS
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 mailed numerous letters to XXXX trying to rectify the information on my report and have waited over the amount of time for a response. I received some news that has stopped efforts in doing business with me for this matter. According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
All payments paid as agreed and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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, 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. The following Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: AL
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: Other problem getting your report or credit score

Complaint:
Over the last several weeks we have had multiple mortgage companies try and get our credit score from Equifax for a loan. All of the mortgage companies have stated they were not able to get the score, thus not allowing us to purchase a new home. Equifax was contacted on two different occasions and both times I was told there was no hold or freeze on the account. I have researched and this is not the first time that Equifax has been accused of this. This is a very time sensitive issue that needs to be addressed and corrected immediately. 

This is a violation of our consumer rights and I would appreciate your prompt actions as soon as possible. Again this is a time sensitive problem that needs to be fixed. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After requesting my bank account be closed by Merrill Lync over a year ago. As todays date XX/XX/2021 my bank account is still opened and I was never closed nor did they mailed the remaining of {$3900.00}. I have no access to this account as I was informed it was in the closing phase. With everything happing last year life has been overwhelming with getting XXXX, losing my aunt to XXXX losing my job, I simply forgot about my bank account. I contacted Merrill Lynch on XX/XX/2021 and informed them I want my account immidely closed and I want my balance forwarded to me. I check this morning and the account is still open. I'm very concerned because I'm not sure what Merrill Lync is doing with my account like XXXX XXXX XXXX did to its customers. This situation is causing me a great deal of stress and XXXX. I feel there's nothing I can do and I'm out of options. Please help me with getting my account closed and getting the remaining balance from my account This should be illegal and Merrill Lync should fined.

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 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is getting ridiculous, And have violated every rule imaginable from the FCRA. I asked time and time again to verify this bankruptcy that is on my credit report. You have not verified anything, the only thing that you have sent was a letter stating that you received this information from XXXX XXXX and they supplied the information which is a lie because my account is Frozen, so they did not supply any information to you neither did the court house. I received a letter from the Bankruptcy court stating that they did not verify any information. The law states that you need to supply persons name and telephone number of which you spoke to, which you have not only verified what you found in public records. No new investigation needs to be had, unless you want to join me in court for maliciously putting incorrect information on my credit report. Please remove ASAP

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 2020-12-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Card was used in XX/XX/2017 fraudulently and I reported it immediately and they are saying now that I should have gotten a police report. It CLEARLY WWASNT ME and I want it taken off of 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 monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

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. 

XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX - XXXX XXXX : # XXXX, XXXX - XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, and the US Bankruptcy # 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 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 2021-05-10
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX Bank online system was hacked in approximately XX/XX/2018. My login information was changed, then my mailing address was changed and a new card requested in a different state. Subsequent charges were made by a thief. As soon as I became aware I notified XXXX XXXX. For the last two years I have fought XXXX XXXX bank, and the collection agency they turned me over to XXXX XXXX XXXX XXXX to correct this fraud : requested copies of transactions and signatures, and disputed the reporting to my credit report. XXXX XXXX bank refuses to provide me with receipts of transactions. I spoke with XXXX XXXX a year or so ago and made them aware of the situation. The XXXX XXXX representative admitted the transactions all appeared to occur in another State where a card was sent. They were supposed to send me copies of transactions, but nothing was ever received. Now I am being sued for these charges. The hacking of XXXX XXXX online system has resulted in 2 years of identity theft issues where this same individual continues to take out accounts that I have to dispute using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX XXXX Account XXXX : Account XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : Collection Opened : XX/XX/XXXX Balance : XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation