BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed that on my credit report there is derogatory information from this collection agency, Ad Astra about me. Their file # XXXX and are trying to collect funds from me. At first, I set up a payment arrangement and started paying. Then it occurred to me that I never had validation from them that I even owed the debt. Therefore, I sent a certified letter directly to them requesting verification and they sent me some forged documents that I will attach here. First of all, I never took out a {$990.00} loan from Speedy Cash which they are claiming without valid proof. I want this collection/charge off deleted from all 3 credit reporting agencies ASAP. Im a mortgage loan officer professional and I need to keep my credit and financial records clean. Also, I did send information to all 3 bureaus to remove/delete but to no avail. I have the written letters that were sent certified too that I will include here. Please resolve this dilemma for me. Much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: PA
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 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 2023-07-28
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: Personal information incorrect

Complaint:
XXXX is reporting inaccurate addresses on my credit report. I need these addresses removed from my consumer report immediately. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL 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 2023-05-17
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: 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 : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 an 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 or 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 explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America XXXX XXXX  over charge frauduelent check charges and restriction without consent every month for us treasury XXXX check XXXX XXXX of the month withdrawl XXXX to XXXX in fraud checks each month which is deducted out of my XXXX check that is direct deposit in all of these banks. include XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX in XXXX XXXX  and XXXX XXXX XXXX in XXXX and recently XXXX XXXX deposited my XXXX XXXX  XXXX treasurers check and payroll check into there branch in conyers without my consent from XXXX XXXX in XXXX XXXX XXXX XXXXXXXX both both took my income never had account at XXXX XXXXXXXX XXXX fraud activity my name is ms XXXX XXXX XXXX my social security numer is XXXX i am on XXXX since XXXX in XXXX XXXX XXXX born in XXXX XXXX. i do not need identity fraud american citizern and can prove it.all amounts add up to including social secuity which gave away XXXX to a family member XXXX XXXX XXXX XXXX XXXX or XXXX or XXXX XXXX from XXXX to XXXX whrn my son graduated out of school without my consent still using my information for these banks etc..mortgages credit from XXXX and selling my info. ttotalling XXXX maybe more.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete 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 non-monetary relief
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: U.S. BANCORP
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This phone number calls me everyday but I dont have any debts with them. Its from the XXXX number. I just want them to stop calling me from now on.

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 2021-12-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I was trying to open a bank account couldn't because of identity theft I can't get a bank account, can't get a replacement social security card, can't even get a direct deposit from past jobs so they got ta bend their rules to pay me in cash, can't get new jobs cause you need a copy of social security card on interviews, can't get loans or grants because of all the accounts and loans took out for houses cars boats etc. On my credit files and reports that I haven't even started so what is a person to do when your whole life is being ran fraudently by Government officials Judges, Cops, And Federal Government people Even Child Protective Services out of Ohio is a part of the nationwide scandal, starting fraudulent child support cases on my name social security number and account and I want a vast investigation going on and prosecutions of people all the people who are involved whether they are everyday people government foreign or domestic. I can't even live my life cause all the XXXX XXXX going on, yes im reporting on all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX .... Balance - ; XXXX XXXX XXXX .... Balance {$4600.00} ; XXXX XXXX XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX Date of request XX/XX/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 2023-07-28
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-06-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I purchased a car unit from a company in NY called XXXX The car unit was very low quality and did not operate as advertised by the company. I called the company and requested a return. They sent me a return order with the details. I returned the item exactly how they wanted. I paid for the shipping myself. According to USPS, the item was delivered back to them and received by an individual that went by " XXXX XXXX  ''. The tracking number ( XXXX ) was provided to the company and they said I would receive a refund within the next 24 hours but never did. 
At that point, I went to CHASE and requested my money back by disputing the transaction. I provided CHASE with proof that the item was delivered back to the company ( Merchant ) and was signed by an individual that went by XXXX XXXX ( The company name ). CHASE provided me with credit but then, later on, called me to provide more proof that I sent the item back. I told them I have already submitted an official printout from USPS and a conversation I had with the company where they said they would provide a refund but never did. The CHASE Rep said they would investigate and send a letter.

I had no doubt this was settled since I had paid USPS for a signed delivery and the delivery was made to the exact company it was meant to be delivered for. 
However, CHASE Member Services sent me a letter saying they are removing the credit because of the merchant 's claim that they never received the item. EVEN THOUGH I SENT CHASE EVERYTHING THAT SHOWS THE MERCHANT 'S CLAIM TO BE FALSE. I will attach all the documents here to whoever will be reviewing this. FOR THE BIGGEST BANK IN XXXX TO MAKE SUCH A SIMPLE MATTER SO COMPLICATED IS BEYOND INEXCUSABLE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: FL
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 found these following hard inquiries that i did not approve of XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX please make sure to look at the dates because I have a hard inquiry link with one of my recent credit card that i opened up and dont want you to delete it so it wont mess that account up.

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 2019-10-04
Company: BBVA FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I opened an account with BBVA in response to an invitation to apply based upon being preselected for credit. I received my card a few days later and activated the plastic on XX/XX/XXXX. I attempted to use the card the same day via a phone transaction with a heating and air company for {$3000.00}. The transaction was blocked for suspected fraud. Which i'm fine with, thank you for the security. But, it has been XXXX in trying to get them to resolve the block. I have spent way too many hours on the phone waiting on hold only to be told there was nothing they could do. 

In accordance with their request, I provided them copies of my ID, my W2, my paycheck stub and a utility bill ( also on XX/XX/XXXX ). As they suggested i called back, waited on hold for an hour to tell them I sent the requested documents ( at their request ). I made the call and was told it would take 1-2 days and an investigator will review. Well here we are now XXXX and i still have not had a phone call. 

The only reason I opened this credit card was to use it for this one particular transaction, to take advantage of the 0 % promotion and the {$100.00} new account incentive. But, in my attempt to use the card they are now preventing me from taking full advantage of the offer. Simply because they refuse to work my case. I would really appreciate help in getting this resolved.

Also, in todays climate of hacking and fraud, I found it interesting they wanted me to send my personal identifying documents via an unsecured platform for them to do their validation. The representative told me that the mailbox was secured. Uh, how exactly is BBVA securing something sent by me? It's not possible. I think this practice is unethical and contributes to the possibility of peoples identity being stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: CA
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:
To whom it may concern : Experian XXXX XXXX XXXX XXXX, TX XXXX I am contesting the information on my credit report that I believe is not correct. I need evidence that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report. 

Below is a summary of the data in which I am challenging : Personal Information for Experian NAME : XXXX XXXX XXXX - XXXX Your company 's records must be up-to date. If you have any names listed in your system that do not match my name as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only name is XXXX XXXX XXXX. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX My address is XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX and if you have any listings with different address ( s ), please delete them immediately so the information you have on file for me is accurate.

Regards, The document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to what's required by both FCRA as well XXXX XXXX -- it needs certified compliant. 

XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.

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 2023-01-06
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XX/XX/2021 ;

Company response to consumer: Closed with explanation