BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - Collection company suing me wrongfully for an alleged fradulent debt in the amount of {$600.00}. I do not owe this alleged debt to any company. I have tried to validate this debt with the plaintiff 's office after receiving the court notice ; however, I was unsuccessful in reaching anyone from his/her office to discuss the case in detail or request for verification of the debt. I need the actual creditor name and address, the date the alleged account was opened, the contract agreement, the date of the alleged account first defaulted, the date ( s ), and a copy of the collection letter ( if any ) was mailed, etc. At this time, I do not have anything from this law firm ( collection company ) other than pay this debt by them using a court notice, which I disagree with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: EQUIFAX, INC.
State: AL
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 have submitted letters on the following dates to Equifax, XXXX  and XXXX  : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. and XX/XX/XXXX requesting that XXXX XXXX XXXX XXXX accounts either by validated or removed from my credit report. I have not received any validation as of todays date. This account is showing 180 days past due which is severely impacting my score. I am currently serving in the US military and am protecting from this late reporting by the Service members credit relief Act ( since the debt was incurred prior to entering XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: CT
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2021-11-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I Got A Alert That - Thanks For Taking The Time To Apply For A XXXX XXXX Credit Card And I Got Surprised I Didnt Apply Any Credit Card So How Come I Am Getting eMail. I Called XXXX XXXX Application Fraud Team And Spoke To Supervisor Ms. XXXX XXXX ID XXXX Location - Florida On XXXX..At XXXX And She Promise Me She Is Sending eMail To All 3 Credit Agencies To Delete It From My Record But Till Date XX/XX/XXXX. It Didnt Get Deleted or Removed From My XXXX And Equifax.. 

I Waited For 30 Days And Called And Speak To So Many Manager / Supervisor At XXXX XXXX Application Fraud Team They Said We Already Informed Electronically To The Credit Agencies And Sent By Mail As Your Application ID : XXXX And The Letter Sent On XX/XX/XXXX To All Credit Agencies.. They Will Do It Whenever They Want.. 

So I Am Requesting You Please Help Me To Fix This Issue Because Of XXXX XXXX Fraud Inquiry Is Effecting My Crediancials With Other Credit Lenders And My Life And My Family Life..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX/XXXX  XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: The Outsource Group, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX IS REPORTING THAT THEY HAVE AN ACCOUNT THAT BELONGS TO THEM.I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX.XXXX  HAS THAT I OWE THEM FOR AN HOSPITAL BILL, I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX & XXXX credit beureas on these matters. I need to get these ACCOUNTS REMOVED from my credit reports.thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
There are charges and inquiries that i can not identify or authorize on my credit report, I believe my identity was stolen.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: NJ
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2022-05-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to get Experian to remove inaccurate, false and misleading bankruptcy information from my consumer report and they refuse. XXXX  deleted a

nd discharged the inaccurate information, however, Experian continues to report it. Now my consumer reports have inaccurate information and Experian is failing to ensure my consumer report contains accurate information. Experian also failed to reinvestigate the disputed item which is required by law. They are defa ming my character by inaccurately reporting invalidated, unverifiable and questionable information on my consumer report without my permission. They failed to provide me with written proof of the validation of a previous dispute regarding reporting a bankruptcy on my consumer report. I asked for them not to send me a templated response and provide all documentation
pertaining to the dispute. I only received a templated response.

DO NOT CLOSE THIS COMPLAINT. IT IS NOT A DUPLICATE.

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 2019-10-17
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account in question has been disputed and removed from my credit reports several times. This account starts with XXXX for XXXX this is not valid debt. Now its posted on my XXXX   report again. This needs to be addressed! Remove this account out of my name and off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: MO
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:
I have asked for these companies to remove these loans from my credit report and or provide proof of legal attachement to these account over 30 days old and nothing provided and still not removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 Accounts XXXX - XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX - # XXXX XXXX XXXX - # XXXX XXXX - # XXXX Have violated my rights. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 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.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1691 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instruction 15 U.S. Code 1681c - 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I discovered a credit bureau report from Ally Bank that I did not authorize.

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 2019-10-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
NMAC Charging adding additional fees to final payment amount. I used to get montly bill for payment XXXX $ they charged XXXX $ and while i'm trying to purchase vehicle and called customer service around XX/XX/2019 got pay off quote for XXXX $ and customer service agent said that I need to pay any extra amount as my lease is ending on XX/XX/XXXX and I have Grace period of 10 days till XX/XX/2019 with out any extra fees I can return or purchase the vehicle. On XX/XX/2019 when dealer got pay off quote for purchase they increased to XXXX $ and says the previous quote is valid till XX/XX/XXXX. After talking to customer rep XXXX she says it is extra taxes and she disconnected my call and I called and connected to XXXX and he says it is interest rate charged for next month. He tries to argue I need to pay extra amount they can't do anything. Every representative gives different prespective for extra charged amount. They are fishy and they don't stand on words they speak on phone. Each representative has different context on extra billed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, 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:
XXXXHAS BEEN NOTIFIED AND HAVE RECEIVED REQUESTED DOCUMENTATION FROM ME REGARDING A FRAUDULENT AUTO LOAN ACCOUNT. THE INFORMATION HAS YET TO BE REMOVED FRIIM MY CREDIT FILE. THE INFORMATION WAS SENT TO XXXX, DIRECTOR OF  CONSUMER SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear Sir/Madam, since summer XXXX, i.e. for over XXXX mts by now, I have been trying to close my checking as well as savings accounts with XXXX Chase in the U.S. - with a total balance of USD XXXX - to terminate my relationship with the bank. I am an overseas XXXX customer and over this period have both a ) tried to resolve this personally with XXXX Chase in the U.S. in over 50 calls! 
b ) have raised several complaints with XXXX Chase, the last one dated XXXX XX/XX/XXXX with XXXX from the Escalation Team,, complaints ref. XXXX who requested/instructed me to send my closing instructions, including notarised documents, to XXXX Chase in Texas. I did as requested by registered/recorded mail on XXXX XX/XX/XXXX ( see my letter incl notarised documents as first attachment ). Please note that XXXX Chase refuse to give me an email contact, let alone a personal ( complaints ' team ) contact, to try to resolve this. I have only the general phone nbr given on my bank statements. 
c ) However, I never received any closing confirmation, nor my funds ( despite XXXX in XXXX confirming to me that my documents were received on XXXX XXXX ). I made several additional calls to XXXX Chase in XXXX and XXXX, only to be told that my documents were not received, that they were not willing to escalate this further, and them suggesting NO solution whatsoever how I can close my accounts and receive my funds! 
d ) Please note that I have waited for over XXXX mts / until today XXXX XXXX since there seem to be serious delays in receiving any mail from XXXX Chase in XXXX, if any : over the last XXXX mts several monthly statements have been missing, and the last statement I got is dated XXXX XX/XX/XXXX which I only received yesterday / XXXX XX/XX/XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following inquiries on my TransUnion credit report are fraudulent and resulted from identity theft of my personal information. I sent TransUnion my FTC complaint, police report, and a 609 letter asking for the fraudulent inquiries to be verified or removed pursuant to fcra and fdcpa. Also that I be sent copies of the verification they are obtain for my review. TransUnion failed to verify any of the inquiries or provide verification ( blacks law 6th ) as requested and they continue to report this fraudulent information which is adversely affecting my creditworthiness and making it really difficult to recover for identity theft victims. Please ask TransUnion to provide verification they are using to continue to report this fraudulent inquiries on my report! 

1 XXXX XXXX XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX 3 XXXX XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XX/XX/XXXX 5 XXXX  XXXX XX/XX/XXXX 6 XXXX  XXXX XXXX  XX/XX/XXXX 7 XXXX XXXX XX/XX/XXXX 8 XXXX XXXX XX/XX/XXXX 9 XXXX XXXX XX/XX/XXXX 10 XXXX XXXX XX/XX/XXXX 11 XXXX XXXX XXXX XX/XX/XXXX 12 XXXX XXXX XX/XX/XXXX 13 XXXX XXXX XX/XX/XXXX 14 XXXX XXXX XX/XX/XXXX 15 XXXX XXXX XX/XX/XXXX 16 XXXX XXXX XX/XX/XXXX 17 XXXX XXXX XX/XX/XXXX 18 XXXX XXXX XXXX XX/XX/XXXX 19 XXXX XXXX XXXX XX/XX/XXXX 20 XXXX XXXX XX/XX/XXXX 21 XXXX 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 explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Once again, allow me to enlighten HSBC in regards to their lies and misrepresentation as noted in their CFPB response XXXX, HSBC states, " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). '' In all fairness, this is correct. However, the following statement is clearly an avoidance to truthfully state the facts. HSBC further states, " It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. '' This response is nothing short of preposterous. HSBC knows full well that XXXX XXXX XXXX XXXX is described in the deed dated XX/XX/XXXX. This is evidenced by HSBC ( formally Beneficial ) underwriting three previous mortgages, all of which contain the deed description of the XX/XX/XXXX deed and match the property of XXXX XXXX XXXX XXXX. They are as follows : XX/XX/XXXX XXXX XXXX, page 944, XX/XX/XXXX XXXX XXXX, page 238 and XX/XX/XXXX XXXX XXXX, page 347. All of which have been properly discharged. HSBC continues to be deceptive in not clearly admitting that the security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX, which they sold to XXXX is not the property of XXXX XXXX XXXX XXXX. As a result, XXXX and associates are trying to wrongfully foreclose on a property they have no security interest in. I would like written confirmation from HSBC stating that what I have outlined above is the truth. I encourage them to fact check my investigation of this matter. Their fraudulent deception of trying to protect XXXX and it's associates in their attempt to fraudulently foreclose is ridiculously unacceptable and unbecoming of any business that deals with the public.

Company response to consumer: Closed with explanation