BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$93.00}

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 explanation
Consumer complaint received 2020-06-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize the following inquiries so please remove them expeditiously. 

XXXX XXXX, XXXX  XX/XX/20 XXXX XXXX  XX/XX/20 XXXX XXXX XXXX XXXX  XXXX  XX/XX/20 XXXX XXXX  XXXX  XX/XX/20 US SM BUS ADMIN ODA XX/XX/20

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 2023-02-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Complaint is against my current mortgage holder Mr. Cooper, a division of Nationstar Mortgage. On XXXX XX/XX/2023 I purchased a vehicle and financed a portion of vehicle price with a local credit union. Two days later I received multiple texts and emails from Mr. Cooper stating they saw another financial institution inquiry on my credit and want to know if Im working to refinance my house using another financial institution. The next day I received a few more text/emails offering to match whatever rates I get from the other institution. I communicated with Mr. Cooper customer rep via chat and explained that we are not on the market to refinance or do any other mortgage changes. My concern is I discovered Mr. Cooper is monitoring my credit without my consent, maybe allowed under FCRA but not sure? Second, they are using this information to gain unfair advantage over their competitors. Third, I was clear about my desire for these daily email/texts, and now calls, to stop but Im still receiving them non-stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX my credit card information ( ending in XXXX, now XXXX ) was stolen and used to make purchases at an XXXX XXXX and XXXX XXXX. 

I was contacted by someone claiming to be Chase bank at XXXX on Wednesday XX/XX/XXXX. They informed me that fraud had taken place and they were going to cancel my card. They asked for a code that was being texted to me to confirm I wanted the card " canceled '', when I received the code the number was from my Chase Debit Account so I didn't think much of the validity. I did not provide any other information. I did not tell them my credit card number. They told me my card would be canceled and a new one sent to me. 2 days went by and I noticed these purchases on my account so I called Chase to ask why my card hadn't been canceled before. They told me that they had no record of someone at Chase calling me and there was no claim to cancel my card. 

The people who called me were the ones who added my credit card to their phone wallet to make purchases in person, making it harder for me to dispute them. 

The purchases were made in person because the criminal added my credit card information to their apple wallet on their cell phone. I did not authorize these purchases, I don't even know what they bought. I do not know who this person is. 

The amounts were : {$1200.00} - XXXX XXXX {$1100.00} -XXXX XXXX {$12.00} - XXXX XXXX XXXX  and XXXX XXXX They tried to make a order to through XXXX from XXXX XXXX XXXX  ( image added ) but that order didn't go through and has since been removed entirely from my statement. 

I reached out to my bank and they canceled my credit card, issued me a new one and informed me that the case was covered and they returned the stolen money to my statement. 3 weeks later the transactions were back on my account without notice. I contacted Chase Bank and they informed me that this was not considered a Fraud Claim but a Dispute so I would need to refile a claim with Dispute department. Despite me explaining that I did not qualify for a dispute because I did not make these purchases, nor do I even know what they are for, they continued to give me the go around. Every time I called no department seemed to know where I should go. This went on for 2 weeks of me calling and going in person to the Chase branch near me. 

Eventually they agreed to reopen my claim, and on XX/XX/XXXX I was informed that they again decided the purchases were valid and would not be reimbursing me. 

I have contacted XXXX and they won't help me because I no longer have the correct credit card ( It was canceled and I was told this issue was put to rest so I got rid of it ) and since I don't know what the purchases were for ( As I didn't make the transaction ) they couldn't help. 

I have filed a Police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDENCE RESOURCE MANAGE {$240.00} XX/XX/2023 THESE NOT MY ACCOUNT I HAVE NO KNOWLEAGE OF THESE ACCOUNT NOR DID I AUTHROIZE ANY ONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDTORS ARE VOLIATES SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEAMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-02-09
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: Information is missing that should be on the report

Complaint:
In XX/XX/2020 I was given a {$3000.00} line of credit with XXXX XXXX with a lease agreement to make a payment each month that is directly debited from my bank account. This company has not reported to Transunion since XX/XX/2020 although I have never missed a payment. I paid off the remaining balance on the account and asked XXXX XXXX to submit notice to Transunion and they failed to do so. On my credit report it appears as if I have a high balance and that is not the case. When I called XXXX back I was told the account was reported as closed and I informed them that reporting an account as closed negatively affects a persons credit report and it should be reported as paid in full instead. XXXX stated that if I no-longer am wanting to purchase utilizing the funds available then they have no further business with me. I attempted for the 5th time to have this disputed with Transunion and XXXX and the issue has not been resolved and is still appearing on my credit report as a high balance when in fact there is no balance. I also filed a complaint with the XXXX  and also noticed that the reviews there are quite similar to my complaint. This company targets low income people and then seeks to destroy your credit when you pay off your account and they are not able to box you into a long term lease to charge you double of what the original item cost.

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 2023-03-03
Company: Seattle Service Bureau, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am addressing you as the direct furnisher NATIONAL SERVICE BUREAU. I strongly believe that you have violated the FDCPA and are non-compliant with what you have reported. There are two reasons why I am stating this. Namely, you first affiliated this account with an individual 's name who previously had been placed on my report in error. Making you consistently reporting the erroneous item a clear violation of the law. Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. The item in question : Name of account NATIONAL SERVICE BUREAU Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I did the real-time transfer of {$1000.00} from chase bank XXXX XXXX XXXX Bank XXXX XXXX XX/XX/2023 at XXXXXXXX XXXX XXXX. I followed up from both banks as my money should have been available on the same day, but both banks were blaming each other. 

Chase claimed funds are already deducted at their end, and XXXX is keeping it on hold. 

XXXX claimed they are receiving bank and have no role in this transfer. 

I was following up daily with both banks and they were not providing me with any details, like the final transaction number. How many banks are involved in between? 

I received the money in XXXX XXXX Bank on XXXX XXXX at XXXX XXXX XXXX. 

Even after that, both banks have provided no reason where my money was for all this time who was holding it up, and why it was held up. I went through so much mental trauma because of this. At XXXX point I left the hope that I will receive my funds ever. 

I will need your help to know the reason I had to go through this whole mental trauma, why the bank was hiding the complete details, and in this kind of situation why the customer needs to follow up, isn't it the sender 's bank ( Chase ) responsibility to ensure the safe transfer of funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
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:
Looked at my credit report today saw fraudulent inquiries. One from XXXX/XXXX second from XXXX. Both was not my doing. I am a victim of identity theft. These inquiries was done by me or to my knowledge. These need to come off. Also under collections they have an account from XXXX XXXX XXXX This is not my account. This account was not opened by me this is not mine. Its fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: GA
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:
I have reached out several times to this company and filed a dispute about this account. I have never lived here nor signed a lease agreement to this property. I have always lived at one address in XXXX, Georgia. This company has failed to comply with me as a consumer protecting my credit profile. In fact they are in huge violation of the FCRA and CFPB. I have informed them numerous times of the violation but instead they send stall letters, re-age the account by updating the date of last activity in hopes of keeping negative information on my profile. They have never provided me with proof or anything. I have been a victim of identity theft and they can retrieve the police report and FTC Report which is linked to my credit profile. This is a nightmare and I ask you please to remove this from my profile. When I spoke with Equifax they said they didnt care if I file a complaint with you guys because CFPB does no t matter and the rep hung up the phone on me. I ask you please to have this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: EQUIFAX, INC.
State: NC
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:
Equifax has a collection of {$900.00} from XXXX. This apparently was from a XXXX XXXX account. I have never had XXXX XXXX in my life. I spoke to a rep at XXXX XXXX in XX/XX/XXXX, and they said they had no record for me. I have disputed this several times with Equifax, but every time I do, XXXX reports it as just opened. I spoke to an Equifax rep and the latest dispute was XX/XX/XXXX and XXXX reported it opened in XX/XX/XXXX. How does that even make sense? I 'm trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts on my credit report with XXXX, XXXX, and Equifax that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Each time I dispute information on account, the company puts additional incorrect information on the credit profile. The last dispute was reporting the balance. Currently the entire loan balance is being charged off. The have received partial payment from the sale of the vehicle and the amount should be reduced. This is a direct violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and 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 explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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 would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written consent to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' i never gave written consent to any of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like everything that i have asked for be removed since i have provided the requested information, and they did not have my written consent to furnish my consumer report, and do not have the right to report this unlawful incorrect information. A written consent as of the " FCRA '' i never gave written consent to any of those accounts.

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 2020-11-04
Company: ALLY FINANCIAL 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:
Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX, I successfully completed the payment arrangement and no longer have an outstanding balance on my account, I want it deleted 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 explanation
Consumer complaint received 2020-03-24
Company: ACIMA CREDIT, LLC
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:
Dear CFPB Staff, XXXX has allowed the following Fraudulent account to reappear on my Consumer Credit Report : Derogatory Mark : ACIMA CREDIT FKA XXXX. 

XXXX has refused to address this twice so far.

Company response to consumer: Closed with explanation