BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( XXXX, Experian, and XXXX, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC 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 2023-01-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( XXXX, XXXX, and Equifax, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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 submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-02-14
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have an existing account of my credit bureau file from XXXX XXXX XXXX. The account number is XXXX Please be advised that I am disputing this collection account due to the fact that XXXX XXXX XXXX does not have a valid license to collect in the state of Michigan.the image I am attaching shows their license is closed meaning not active according to LARA- Michigans department of licensing and regulatory affairs. I am requesting that this be investigated and this account be deleted from my credit profile immediately or provide physical proof XXXX XXXX XXXX is licensed to collect in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX, a call came to my wife 's cell phone from Chase Bank Fraud Protection stating that her debit card ending in xxxx ( correct numbers ) had been attached to a XXXX XXXX. The automated voice assistant said to press 1 to authorize and 2 to deny ( or something like that ). She pressed 2 and then the automated assistant stated a code would be sent from Chase via text and to enter those digits. My wife had issues understanding and following the instructions but the phone kept ringing and the texts kept coming. Finally she entered the code which then initiated the fraudulent withdrawals from our Chase account. Chase was contacted by phone immediately to stop the withdrawals. {$4800.00} was taken before it was stopped. The card was cancelled and new usernames and passwords created. Chase initiated the investigation and we were provided a preliminary repayment on XX/XX/XXXX. On XX/XX/XXXX, the refunds were reversed by Chase Bank. I contacted the Claims department and was told that because my wife provided the code to the fraudulent Chase caller, this was not considered an Unauthorized Electronic Fund Transfer. After researching Regulation E and visiting the local branch, I was told the same thing and that claim was closed. I filed a police report and then researched the definitions in Regulation E further ( XXXX ( m ) specifically ) and online legal opinions. I called the Claims department back and Chase returned the refunds to my account. I'm left feeling that if not for my pushback, Chase would not have returned the money that is clearly protected by Regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This complain is against TransUnion LLC. TransUnion are reporting several incorrect and misleading information on my credit report. I wrote them many times over several months and they refused to do anything about it. The way late payments are reporting makes absolutely no sense. ( XXXX XXXX  XXXX ) Complain # XXXX XX/XX/2019 to XX/XX/2019 it was report as unkonwn, that means they put an X for XX/XX/2019 and XX/XX/2019. But, in XX/XX/2019 it said I was 30 days late, XX/XX/2019 it said I was 30 days late, XX/XX/2019 it said I was 60 days late and in XX/XX/2019 it said I was 90 days late. According to TransUnion reporting, According to TransUnion I was late 210 day within 4 months. As we all know, that is mathematically impossible. 

Complain # XXXX XX/XX/2019 to XX/XX/2019 they report current but in XX/XX/2019 they report 120 days late. How can I be 120 days late in XXXX when I am current 3 months prior? All these reporting makes no sense what-so-ever. This is affecting my life in a negative way. I have problems sleeping, its hard for me to function in my daily life I am getting XXXX XXXX I am a XXXX Veteran and I can't apply for certain jobs because of all this. I need TransUnion to delete all these incorrect and misleading reporting on my credit report so I can move on with my life.

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 2023-08-15
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: SECURITY CREDIT SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX : Amount of {$1800.00} is sent from XXXX University to the Security Credit Systems , Inc . 
-Any letters sent to me in order to inform me of the debt were not received. 

XX/XX/XXXX : I dispute the amount of {$2400.00} with Security Credit Systems , IncXXXX on XXXX XXXX XXXX with XXXX, stating that the amount is incorrect and that the amount owed to Security Credit Systems , Inc. should actually be {$1800.00} and citing Section 808 ( 1 ) of the FDCPA.

-Section 808 ( 1 ) of the Fair Debt Collection Practices Act prohibits debt collectors from collecting any amount including any interest, fee, charge, or expense incidental to the principal obligation unless that amount is expressly authorized by the agreement creating the debt or permitted by law. 

XX/XX/XXXX : The dispute on XXXX XXXX XXXX is completed and ruled in the favor of the item Security Credit Systems. Reason cited is " I have no knowledge of this collection account. '' -Intuit XXXX XXXX results state that this disputed information was verified as accurate, and XXXX does not change my information. 

*XXXX  XXXX, XXXX : A letter verifying my account and debt in question with Security Credit Systems is sent to my current address. The lines read, in a bordered box in printed ink : Statement Total : {$1800.00} Pending Total : {$0.00} Overall Total : {$1800.00} Below this box is a handwritten note stating : Collection fee XXXX Total {$2400.00} -This " Collection fee '' of {$560.00} is the reason for said dispute. Any amount above the initial debt of {$1800.00} is a violation of said ruling in Section 808 ( 1 ) of the FDCPA.

*The letter in question is in 4 separate attached files of pictures where the letter is legible. The letter is dated XX/XX/XXXX as a lookup date for my collection info, but it is dated XX/XX/XXXX as the date sent at the top of the letter below the Header. The two middle pages of the letter may be out of order, so they are labeled as " Letter Page 2 or 3 '' and " Letter Page 3 or 2. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX ( this is the second account listed with this company ), XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX XXXX there's two accounts listed with this company ) , 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 2023-02-14
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 did not authorize XXXX XXXX XXXX to put a loan on my credit report and XXXX XXXX  XXXX  I did not sign any documents by mail or received any mail sign by me with my actual id social and written signature. ( XXXX ) account : XXXXXXXX XXXX XXXX  account number : XXXX ( XXXX ) account : XXXX XXXX XXXX account number : XXXX Please block this information from my credit report and remove it pursuant of section 605b of the fair credit reporting act which require you to block the fraudulent information on my credit report resulting from identity theft with four business days and to promptly notify the furnisher ( s ) of that information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, has violated my rights. I have the right to privacy. The law also states a consumer reporting agency can not furnish a account without my written instructions. I have sent several written request to this agency and have had zero responses or changes to my consumer 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 explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dispute letters to correct my personal information were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time they claimed a credit repair company sent my dispute letters and would not correct my personal information. 

The letters sent on XXXX and XXXX specifically stated I was not using a credit repair service and that the letters were being sent by me. When I called the rep. today, they told me I needed to alter to them so don't look like they come from a credit repair company. I asked her how am I supposed to this and she said she does not know. She stated it's against FCRA requlation to use a credit repair service which I believe is not true. Even so, I was'nt so I was still upset regardless. 

At this point, I am upset because my claims are not even being recognized due to misconceptions with my dispute letters. They keep telling me to do it online or over the phone but I want to mail them and that should be up to me. I believe I am being unfairly treated.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a mortgage. Vehicle loan, checking and savings during since XXXX, and I understand there has been some banking errors since XXXX. I am seeing if I qualify for any of the monies owed due to error.

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 2023-07-31
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed I had a debt collection on my credit report. from Bridgecrest for accountXXXX. I sent a request for a validation of this debt to Bridgecrest via mail on XX/XX/2022 per my rights under the Federal Debt Collection Practices Act. As of today, XX/XX/2022, I have not received any validation of this debt. They have not responded to me in the necessary amount of time and I would like this debt removed 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 explanation
Consumer complaint received 2018-02-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My deposit was approved then taken back and being held for 15days the deposit was made 3 days ago and now XXXX XXXX AS LONG AS ND XXXX XXXX DECEITFULLY BIAS & PREDJUICE BANK XXXX. have put a hold on my MOBLIE for 15days this is not a check this is unc as lied for I was told by XXXX XXXX they have not even prevented the money order for payment is demand proof this money order was processed and presented for payment and not just being held deceitfully. Send proof to my email showing this instrument was present for payment 4 days ago ...

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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/2023 I've noticed an error on my consumer credit report that was harming my personal report and causing stress to my financial life. Account # :XXXX, Circuit Court Reference # XXXX reporting on Transunion is inaccurate and falsely reporting information hurting my credit report. I am distressed that Transunion has included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports. 

Account # :XXXX is in violation of 15 U.S. Code 1681i ( c ). Statement of dispute required by CRA after 30 days following a reinvestigation. Also FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms Circuit Court Reference # XXXX is also in violation FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g. No account balance is owed but TransUnion continues to violate my consumer rights by reporting false inaccurate and illegal accounts on my consumer report that violates my consumer rights of 100 % accuracy on my credit report.

These accounts are also in violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

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