BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX  I was forced to file bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The XXXX filed for a XXXX XXXX XXXX bankruptcy. Then for some reason, my attorney filed for me personally as well. He did this by mistake because he did not have to do this. The trustee, dismissed this and advised me that i only needed to file for the business, not personal. So i should not have a personal bankruptcy on my credit reports through the 3 bureaus. Only XXXX XXXX XXXX XXXX XXXX should have the bankruptcy filed.

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 2022-04-21
Company: EQUIFAX, 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 Report Act : Account Name 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Deutsche Bank
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
omplaint regarding pension check mistakenly deposited in XX/XX/XXXX and still not returned to XXXX, the Check issuer despite showing as reversed on my XXXX XXXX account in late XXXX. I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a XXXX account, since XX/XX/XXXX. Three financial institutions are involved : XXXX XXXX ; Deutsch Bank ; XXXX XXXX This is follow-up on four prior complaints for an issue that remains unresolved since XX/XX/XXXX. 
In XXXX I mistakenly submitted a pension check issued by XXXX XXXX to deposit to my XXXX XXXX account. XXXX XXXX  should not have accepted the check as it was made out to XXXX XXXX XXXX XXXX XXXX. 
Within days of realizing my error, I repeatedly called XXXX XXXX to reverse the deposit. It took a month of phone calls, but the funds show as reversed from my XXXX checking account in late XXXX. 
The funds have never shown up in the XXXX account from which the check was issued. 
Over the last months I have repeatedly called XXXX XXXX, asked for escalation, called XXXX, Called XXXX XXXX with XXXX and escalated the problem, including filing four prior complaints with CFPB. 
Each time, XXXX insists the funds were sent to XXXX, and each time I check with XXXX, they have no record of the funds coming back to the XXXX account. 
In the last correspondence dated XX/XX/XXXX from XXXX XXXX they gave tracking details on the funds but maintained for the first time that they have sent the funds to Deutsch Bank, who they claim act as transfer agent for XXXX. 
I have called Deutsch Bank repeatedly and been told that they will not deal with me as I am not a customer of Deutsch Bank even though I have information on the transfer details provided to me by XXXX XXXX In their last response to me -- copy attached. 
XXXX XXXX matter closed as they see a check being cleared to XXXX XXXX and no funds being returned. 
Thus, I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a XXXX account, since XXXX. 
I have wasted hours in phone calls, emails, and complaints, and still the funds are not only not in my XXXX account, but they are also no longer in my checking account. Each financial institution tells me to contact one of the other ones to resolve the issue. 
At this point, I request that knowledgeable representatives from each of the three institutions involved join a conference call with me and a representative of CFPB in order to resolve the matter. 
I also believe I should be reimbursed for the time involved in resolving this matter, which dates to XXXX. 

Prior complaints : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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:
Started in middle 1970s. I have tried working with the bank for 3 years. It may have to do with a personal unsecured loan that I obtained for emergencies back in the 70S other than me has been using the card for several purchases and using my bank account to make minimum payments. I believe it was identity and bank fraud. Someone obtained a chase card in my name through identity theft. The purchases were paid for through auto withdrawals from my bank account. I discovered it and had the automatic withdrawals shut down. Now I am being harassed to settle the account and they are refusing to help me get to the bottom of the identity theft and fraud charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: WI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - US BKPT CT WI XXXX Bankruptcy XXXX XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX US BKPT CT WI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-26
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 - I was informed by XXXX XXXX XXXX  my personal residence ( XXXX XXXX XXXX XXXX, XXXX XXXX, Ok XXXX ) had a judgement placed from Midland Credit Management. The name on the judgement was XXXX XXXX XXXX. I contacted Midland Credit as I had never received anything related to such a judgement or received any phone calls. I have been at this residence for 15 yrs. When I provided case # XXXX and my social security number they stated they had no account for me. I asked how to have this issue resolved they said its not there problem and they can not help me. Midland Credit Management failed to provided me a validation of debt letter at the address they filed the lien on. Midland Credit failed to contact me prior to obtaining the judgment or lien on the property. XXXX XXXX  per public records in XXXX County, Oklahoma shows the case number that was filed against a XXXX XXXX XXXX, however, that account number is not associated with me and the address they associate this XXXX XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX, XXXX, OK  XXXX. This is also the address in which this individual was served notice. Midland Credit knowingly or should have known the XXXX XXXX XXXX XXXX, XXXX XXXX, OK address was not associated with their debtor. Midland Credit knowingly failed to take my dispute of the legal filing against my property seriously or perform any research. Midland Credit has been deceptive in filing a lien on property they knew or should have known was not associated with their debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: DC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2023-06-12
Company: Experian Information Solutions Inc.
State: IL
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 requested verification of this account as it incorrectly continues to report on my credit reports when the furnisher has no record of account in their records. 

I had previously requested documents on the account without response to my letters and when I called the creditor, they stated they had no record of any account. 

The credit bureaus continue to report the account as updated monthly.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, these accounts : XXXX XXXX Account ending in # XXXX for {$140.00} ; account ending in # XXXX for {$3200.00} ; account ending in # XXXX for {$140.00} ; and account ending in # XXXX for {$250.00} XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXXXXXX XXXX  Account # XXXX has violated my rights. 15.U.S.C 1681 Section 602 A, states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello! 

I have tried contacting these companies but nothing is working and these credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission According to 15 USC 1681, I have the right to privacy According to 15 USC 1681s-2, 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on with this, The credit bureaus have Zero respect for the laws.

they need to be held accountable for their action toward consumer thanks

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 2017-04-04
Company: Aldous & Associates, PLLC
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A debt collection agency contacted my son regarding a supposed debt he owed our gym, XXXX. He is signed up under our family plan, has never signed a contract, I signed the contract and was less than XXXX when I signed him up. We have an email confirming the request to place his account on hold while he was away at XXXX. When I told them this, the caller told me my son 's birthdate and advised me he 's XXXX now so is responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX have 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 with antedates the report by more than seven years.

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 2017-03-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been disputed Tax Liens that was reporting on my credit as a Public records, and the information is not valid. I have Disputed this information with Equifax Several times and the results came back verified correctly. I have supported documents that supports that it has to be remove and delete and never it did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification from Experian, XXXX and XXXX that collection from XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to Experian, XXXX and XXXX to delete collection immediately or I will be suing within 30 days.

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 2023-03-26
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2022-10-16
Company: Camelot Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan 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:
received the following email on XX/XX/XXXX : I have no idea who these people are. 

Case File Submitted on XX/XX/XXXX DEBT SETTLEMENT Failure to respond may result in a warrant being issued for your arrest. 



Hereby we inform you that you are obliged to come as a defendant to the District Court of Appeals on XX/XX/XXXX, at XXXXXXXX XXXX for the hearing of your case of defaulting on a LOAN, CASE # XXXX. 



XXXX XXXX XXXX has filed a lawsuit against your Name and Social. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in the process of informing the Social Security Administration & major Credit Bureaus as well. 
You are summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 485 ( c ) we are automatically authorized for filing this petition and taking any action to collect this debt from you.

We are hereby directed to withhold any restrained financial accounts and/or cease any income executions immediately.

A violation of the petition filed to collect this debt may be actionable pursuant to 362 ( h ) or as contempt of court and punished accordingly.

THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Then on XX/XX/XXXX i received this : We are talking about the loan amount of $ XXXX that you took with A XXXX XXXX XXXXXXXX XXXX XXXX they do have a signed copy of the contract which is signed under your E-mail address and SSN, and was also traced when you were signing the contract with the company. 

ACE Ace loan online, it is a parent company which owns and operates more than 350 websites, you applied from one of our websites and you never bothered to pay this debt, so the creditor wants to know your intention about this matter that what would you like to do whether you are willing to resolve this case or you want to dispute. 

The XXXX XXXX has more than 14 types of technical evidence in order to prove the money was successfully deposited into your bank account which was a checking account. 

If you are willing to resolve this case then we can provide you a one-time settlement offer of {$500.00} That has to be paid till this Friday as paid in full with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: IL
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 absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this 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 explanation
Consumer complaint received 2023-02-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Delete hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation