BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-01
Company: LJ Ross Associates
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reported things on my credit report that was not mine or accurate and yet it is still om my credit report. I also have things on my credit report that is not the correct spelling of my name and i have also tried to get it off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Recently, I investigated my credit report which caused XXXX  XXXX and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in the valuation of not reporting 100 % accurate.

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 2019-05-03
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a synchrony credit card through Lowes. I have recently noticed that I can not seem to move the balance down hardly at all. Upon further investigation I was able to locate a card security fee. After hours of research, I was able to pin down what this was. Apparently it is a fee that varies based on balance to cover if something happens. I absolutely never agreed to have this added onto my card. I called the card security for the synchrony card to get it cancelled and request a refund for this. They did cancel the fee for the future and refunded ( not yet 3-5 business days ) {$740.00} according to the representative. I asked her how this could have been signed up for when I did not have anything to do with it. She said it was signed up for in XX/XX/2009 when the card was opened. I never agreed to this and would like to know how this was happened. I did end the call with them, but after digging even more, I realized that XXXX $ is only like one year of fees. We are talking about 12 years of fees - thousands of dollars, taken without any written approval. The representative said they only need verbal agreement, which no one gave. I fee I am in my legal right to get all of the fees refunded and I can not fathom how this is okay. They could sign anyone up for this verbal agreement without asking anyone. I am disgusted that people, including me, are being taken advantage of.

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 2023-08-11
Company: EQUIFAX, INC.
State: MN
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Inquiry Removal Due to Unauthorized Access and Fraudulent Activity Dear Equifax Customer Service , I am writing to address certain inquiries on my credit report that I have neither initiated nor authorized. Upon reviewing my credit report, I identified the following unauthorized inquiries : - XXXX XXXX  on XX/XX/XXXX - XXXX XXXX  on XX/XX/XXXX - DEPARTMENT OF EDUCATION on XX/XX/XXXX I believe that these inquiries are fraudulent. Unfortunately, my device was stolen recently, which has led me to suspect that I am a victim of identity theft and fraud. 

In light of this, I wish to bring to your attention the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which stipulates my rights to dispute incomplete or inaccurate information. Under this Act, consumer reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. Moreover, given that these inquiries have the potential to adversely affect my credit standing, it's crucial they be addressed promptly to protect my financial health and well-being. 

Therefore, I kindly request : 1. A thorough investigation of the above-mentioned unauthorized inquiries.

2. The immediate removal of these inquiries from my credit report.

3. Written confirmation once these inquiries have been removed.

4. Advice on additional steps I should take to ensure my personal and financial information remains secure, in accordance with federal and state consumer protection laws.

For your convenience, I have enclosed a copy of the sections of my credit report that display these unauthorized inquiries. I stand ready to provide any additional documentation needed to expedite this process. 

I earnestly urge you to treat this matter with the urgency and gravity it demands. My financial reputation and personal identity security are at stake, and I anticipate a resolution in alignment with the timeframe and guidelines set by the Fair Credit Reporting Act ( FCRA ). 


Thank you for your prompt attention to this serious matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have sent several validation requests to Alliance collections asking for information obtained from the original creditor including the original contract and the contract showing that they were assigned this debt and have legal authority to collect and the only response i have gotten was a print out from there computer.Per the XXXX opinion letter put out by the FTC this does not satisfy requirements under the the FTC and FDCPA and is consider unfair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear XXXX XXXX XXXX  XXXX XXXX at Navy Federal Credit Union , I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from Navy Federal Credit Union . Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE A CERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice. I am also requesting the governing Trust Instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. 

Sincerely, XXXX 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 2023-08-11
Company: EQUIFAX, 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:
On XX/XX/2023 someone tried to open a credit card account fraudulently with XXXX XXXX. A hard inquiry was made through Equifax. Since that time I have tried to get the hard inquiry removed from my Equifax Report. I have sent them every piece of information they have requested. 
Each time I have been told on the phone that the inquiry has been removed and I will be receiving written confirmation. I receive a confirmation that the " disputed inquiry has been deleted '' only to check later myself and find that the hard inquiry still exists. 

Today, XX/XX/2023, I again called to check with an Equifax rep and was told that I needed to submit various pieces of documentation to verify my identity and to verify that the fraud has been reported to police, FTC, etc. Everything was submitted back at the beginning of the process. The rep again assured me that the inquiry would be removed but that they needed to contact the lender, etc. I have already sent a copy of a letter from the lender telling me that they had notified Equifax to change the hard inquiry dated XX/XX/2023 to a non-display inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My vehicles were insured with XXXX for many years. My spouse and I separated and eventually split and the insurance was not maintained on the cars resulting in it going to collections. I satisfied the debt in full per there request and was advised the debt was paid in full and would be deleted. It has been in excess of 6 months since the debt was paid and it reflects on the bureau that I have an outstanding debt. I have contacted the company several times pertaining to removing the debt and providing me with a letter of deletion which they have not completed. I spoke with XXXX on XX/XX/2017 and she stated the company has requested the item be deleted on many occasions and her manager XXXX has requested the item to be removed again. She stated she was not able to provide me with a letter of deletion so that I may submit the documentation to my mortgage company. I have attempted relentlessly to have this item removed and the company has failed to provide any assistance with this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my union bank account and received a check for {$9000.00} and have not been able to cashed it. I need a new acc closure check mailed to me please have union bank contact me to mail me a new cashier check 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 2022-09-29
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: Their investigation did not fix an error on your report

Complaint:
In a response received from Experian on XX/XX/XXXX via CFPB case # XXXX, Experian stated that it completed an investigation of a bankruptcy dispute with their " Public Record Vendor ''. However, Experian has refused to provide the name, and address of this public record vendor as required by the FCRA. Experian is " Knowingly '' lying about contacting this so-called " Public Record Vendor ''. It is has been proven that Experian uses system-generated responses to disputes without properly validating the data with the source and aligns with case Nikolas v Experian. According to XXXX via it's website at https : XXXX XXXX XXXX XXXX  Matches '' information for bankruptcy records via " Public Records XXXX XXXX XXXX only provides the bankruptcy data to Experian and does not " Validate '' this information. I have attached a full consumer report from XXXX which clearly shows " No Bankruptcy Record ''. Experian has ignored this supporting documentation dated XX/XX/XXXX, and refuses to provide the " Name and Address '' of the vendor who is " Verifying '' this record. In CFPB case # XXXX, Experian admitted that although the " Courts does not report to CRA 's XXXX we may contact the public record vendor for verification '', which is consistent with the letter from the Bankruptcy Court certifying that " They do not report filings to CRA 's XXXX. I have attached both, the report from Experian 's data furnisher XXXX and a letter from the courts. This is strong evidence that Experian has not validated the " Completeness and Accuracy '' of this record and has failed to provide the " Name and Address '' of the its " Public Record Vendor '' therefore, this record must be deleted in accordance with the FCRA laws and standards. I am not requesting a " Re-investigation '' as the evidence presented as proven that this record has not been properly " Validated '' by the originating source or data furnisher. If Experian responds to this complaint with a system-generated response or delays the removal based on the facts provided, it will be perceived as an attempt to violate federal law. In a federal court, it will be considered " Knowingly '' or " Reckless '', which could cost up {$1000.00} per violation. Experian has caused significant damage to my credit and reputation by reporting this " Unverified '' negative information and should it refuse to comply, I will seek punitive damages.

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 2021-06-25
Company: Ballybunion Enterprises, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Freedom Stores, and XXXX  has refused to remove the account from showing on my credit report. I did not renew any loans with this furniture store. I sent XXXX a copy of the judgement from your prosecution to remove and close the debts on all XXXX accounts but they are still attempting to collect from XXXX that don't know about the class action that was held against them. I also have submitted an FTC to XXXX as to me not renewing this loan. I am a identity theft victim and neither companies have taken the severity of this serious. This is affecting my credit report and my career in the XXXX. I need it removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXG XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXXXXXX The above accounts have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX XXXX. ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$75000.00} ), XXXX  XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$350.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-11-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received mail solicitation for credit card with a {$200.00} cash bonus if charged {$2000.00} in first 3 months. I accepted and received card on or about XXXX XXXX XXXX. The first bill dated on or about XX/XX/XXXX was for XXXX and the second bill dated on or about XX/XX/XXXX was for {$1500.00}. So the required {$2000.00} in charges were made within 3 months. But as of today XX/XX/XXXX I have not received the {$200.00} bonus I tried contacting bank by phone at their customer service number, but it is totally useless. Terrible service.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was looking over my credit report there was some of these inquires on XXXX, Experian and XXXX. that I do not recall. Nor giving them permission to run my credit. Before, I submitted a claim with CFPB I contacted each bureau as well as the banks that ran my credit. Neither could give me information on these inquires. Therefore, my next course of action is to submit a complaint with CFPB regarding these inquires.

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 2023-08-11
Company: EQUIFAX, 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:
The following accounts/inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX ; Inquiries : XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022 and XXXX XXXX XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating XXXX  [ XXXX  ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ XXXX  ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I write this letter as over the past 8-10 months or so months I have went back and forth between Chase 's Fraud and Disputes Departments regarding two unauthorized transactions on my credit card totaling the amount of {$13000.00} from XXXX XXXX. After noticing these two transactions I ordered a card replacement as I thought it was fraud, however Chase noted it was considered a charge dispute as I previously did business with XXXX XXXX. Transaction 1 was charged in the amount of {$9800.00} on XX/XX/2019 and transaction 2 was charged in the amount of {$4100.00} on XX/XX/2019. Neither of the charges were approved by me the consumer and services were not rendered. I attempted to address these charges through the Chase and I was told it was in fact the Chase 's Dispute Department would and had resolved since I previously had authorized the contractor for other charges. However on XX/XX/XXXX I received an alert from XXXX  that my Credit card balance had a dramatic changed and I noticed a charge back in the amount under dispute. I have submitted to Chase countless documents stating my position regarding the fraudulent activity of XXXX XXXX. 

I have bank statements and and contacts showing I paid other contractors to do the job.

Company response to consumer: Closed with explanation