BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Hello, Ive received another harassment call from a collection company not willing to id themselves however its pretty clear that they are referring to this debt. I have already filed with Colorado small claims and look forward to seeing you in discovery where I will give you a copy of both phone recordings and go over how I feel USAA is using its power to transfer a debt unlimited times to keep harassing me. 

Im new to this so I guess I get to give you the summons myself. Would you like to receive it via email or I do I have to fly down to you hand this? 

Looking forward to meeting you XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX AND XXXX Credit Bureaus are reporting inaccurate information on MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
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 sent in my police report and my FTC affidavit to the three credit bureaus Experian Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these XXXX XXXX XXXX XXXX Account XXXX. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Experian again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. Experian also accused me of not getting a police report from the police department that is not ture and insulting. The fraudulent account reporting is as follows XXXX XXXX XXXX XXXX Account XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2022-04-23
Company: Southwest Recovery Services, Inc.
State: AL
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 Company southwest recovery s fraudulently charged my account twice XX/XX/XXXX for {$1800.00} with the same amount when they already had an open account from XXXX at the amount {$1800.00}. They charged my account twice to get double the money and to create a false account to cause me to pay more to their company and lower my credit score to prevent me to purchase a home. They lied to XXXX to say they have a new reopened account but it was actually the same account. XXXX did not flag the fraudulent activity and it caused my score to drop drastically. XXXX should have seen this as fraud but still allowed this company to report and cause damage to my credit report causing a problem for me to purchase a home.

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 2022-04-22
Company: EQUIFAX, 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 to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions Im Im Im sorry sorry for 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: FIRST HORIZON BANK
State: LA
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on IBERIA BANK DIRECT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1300.00} XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Back in XXXX an attempt was made to transfer money from my business checking account via wire transfer from XXXX. The bank caught it and stopped the transfer. I went to the branch and changed all my passwords and was issued a new account. On XX/XX/XXXX the bank allowed a domestic wire transfer from XXXX XXXX, CA for {$2800.00} + {$25.00} wire transfer fee. On XX/XX/XXXX they allowed another domestic wire transfer for {$3200.00} + {$25.00} wire transfer fee to XXXX XXXX XXXX NY. I received no alert form the bank for either one. I went back to the branch and changed all my passwords again and was issued another account number. We filed a formal complaint ( # XXXX ) with Chase. My banking associate XXXX XXXX, XXXX was told by the person on the phone at Chase the money would be returned to me in XXXX - XXXX business days. They asked us to fax an Affidavit of Fraud which we did on XX/XX/XXXX. On XX/XX/XXXX after numerous calls to the claims dept. I went to the branch again. XXXX called claims again and was told the case had been reassigned to a XXXX XXXX and would be resolved in XXXX - XXXX business days. On the XXXX business day I called claims again. The woman I spoke with was no help. I asked for a supervisor ; XXXX who would not disclose her last name. She would not connect me with " XXXX XXXX '' and kept telling me they could not release my money because the case was still being investigated. Today is XX/XX/XXXX almost 2 months have gone by. To my knowledge this money is insured by the FDIC. ( whom I also called ). I also filed a complaint with the Office of the Comptroller of the Currency ( case # XXXX ) who told me the bank has 2 months to respond. After catching the first attempt at fraud on my account, I believe the bank was very delinquent in allowing the last XXXX wire transfers without at least contacting me as they did with the first attempt. I called the claims dept. again today and after holding for an agent for XXXX minutes and finally reaching someone, she was going to connect me with a supervisor but she hung up on me. I really need to have this money back. I do not know why the bank is stalling me and I am really tired of calling and being given the runaround. I hope you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Upon covering from XXXX for the second time, I began reviewing mail including copies of my credit report that I did not order. Upon reviewing my Equifax credit report, I notice the appearance of multiple bankruptcies and incorrect items on my credit report with Equifax. At the beginning of XXXX, I began the process of disputing several items. The most recent investigation involved the multiple bankruptcies being reported. I submitted the dispute online as I had filled out the paper document that was sent with the credit report, but an investigation never started. Because Equifax did not initiate the investigation, I submitted the investigation online. I did receive a confirmation number. Thirty days passed and Equifax sent me another credit report stating that the information was verified. I then sent another request of Equifax asking for the company to send the information that was verified to them. I did not receive the answer that I requested, Instead, Equifax conducted another investigation that lasted another thirty days and I receive the same response that the accounts had been verified. Unknowing to Equifax, I sent a certified letter to the source of the information listed by Equifax. I received a response from the original source that they do not verify information and that I had to contact Equifax. I have since sent Equifax the same letter from the source that was sent to me. The document was sent to Equifax via mail and electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After noticing the collection on my pristine credit report, i called the creditor identified on the report " Law Offices MBA " with original Creditor as " XXXX XXXX '' and informing them of the wrong assertion being made against my credibility report, i was asked to file a police report to correct their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-23
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Thursday XX/XX/XXXX at XXXX, I got and alert on my phone. The alert stated a transaction in the amount of {$120.00} at XXXX and XXXX gas station. I was alarmed because I was at work and had been at work since XXXX. I immediately went to my purse to see if my cars was there. It was. I then proceeded to call chime bank and dispute the unauthorized charge. I was then told I had to wait until it wasnt pending to open a dispute. On sunday XX/XX/XXXX the unauthorized transaction had gone through. I opened a dispute via chime app. I got a credit of {$120.00}. I was surprised that after only a few hours my claim was denied. I then called to open the case back up. The man said I could send on more info to support my case. I screen shotted my work schedule stating I was working. I dont believe they even looked into the dispute. I have never been to a XXXX and XXXX I shop at XXXX. If they looked they would see that. I requesred a copy of the evidence of how they came to their decsion. I re-opned the case. They toom back the credited amout of XXXX and my account is now negative. They also state they are apart of visa zero liability. That is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have not received any response from the bureau for 60 days now. this is just a complete disregard for the laws when a consumer files a dispute. I hope with your help this will not be allowed to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: SYNCHRONY FINANCIAL
State: MA
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-02-04
Company: Experian Information Solutions Inc.
State: SC
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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : Inquiries : XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX EMPLOYER : 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 2022-04-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I used my TD Bank credit card for online purchases and to buy gas. During one of those transactions someone shared or gave my card number to 3rd parties to make fraudulent purchases, manually keyed in from various locations in the US, and FL in the amount of {$2600.00}. A TD Bank employee alerted me to the scam purchases when I went in to check my balances. He then called CARD SERVICES on my behalf however he misrepresented many items I was not sure about and without my permission " filed an official dispute '' contesting charges that I made along with the charges I did not make to this card services department. When I was able to see my actual credit card statement, ( this bank teller could not show it to me ) I was able to file an accurate report of the actual fraud. That report was ignored in favor of the unauthorized " report '' that unbeknownst to me was sent in by the bank teller. Repeated efforts asking TD Bank to correct the card account has resulted in TD Bank saying a chip was used when I got gasoline, for that reason they are throwing out all the manually keyed in transactions that happened before and after I did not make. I've filed a police report and turned it into TD Bank. They are by law only allowed to charge {$50.00} for unauthorized use of a card, when the fraud is reported and they are trying to charge me {$2600.00} and I have paid at least {$100.00} interest on this amount so far. I have never had a problem with the XXXX XXXX account I have had for 30 years but went with TD Bank, because it was more human. Unfortunately, that means more human error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PRA is attempting to collect debt not owed. Debt was reported as fraud both in XXXX and XXXX. Previous company, XXXX XXXX, closed accounts on credit bureaus in XXXX. 

Documents proving identity theft of my name, address and social security card to open a credit card with XXXXXXXX XXXX were mailed, certified, along with filed police report to credit bureaus and PRA. 

PRA has violated my rights to receive copies of ALL original signature pages of application for credit card, transactions made on said account, billing statements as well original documents on how PRA acquired the fraudulent account.

PRA has asked for information they already posses and that which I learned from them. This is harassment. They do not need information they already possess. 

This company is close to missing the 60 day deadline to produce all original documents for my files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: United Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
United Collection Bureau has attempted to collect an alleged medical from me on behalf of XXXX XXXX XXXX. Upon the process of validating this alleged debt, there has been a HIPAA violation that has occurred as a result. I never provided any written authorization to release my medical information to any third party debt collector and this debt collector has not been able to provide a copy of my signature authorizing any release of this information. I am requesting immediate removal of this debt from the XXXX credit bureau. I will be contacting the XXXX with intentions of exercising all legal avenues to have this issue remedied. 

Originator : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Third Party : United Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX Amount : XXXX Date of service : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Account 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 a 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