BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2022 I called the Equifax in reference to an account that was double reporting on my credit file, was inaccurate, was not mine and was past the statue of limitations in my state ( confirmation # XXXX ). I was told that the account was incorrectly reporting double and that the agent would dispute it and that I would be contacted about the results. As written in U.S.C. 1681i ( a ) ( 1 ) ( A ) " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' A reasonable investigation was not completed. I was not informed when the investigation was complete until I logged in and check the dispute results myself. Upon login I discovered Equifax had completed the investigation on XX/XX/2022, which was one day after the investigation was initiated. 

I did not receive anything in the mail explaining the procedure or notifying me that the investigation was complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: DISCOVER BANK
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was off in college. I just found out my mother got a credit card in my name. I seriously had no knowledge of this account. I never personally used the credit card. It really ruined my chances if as to ever getting one with Discover. Im stuck in a bad place, they keep telling me to make a police report on my mother. But how could I do something like that to my mother? I understand that shed done it to me but evidently Im her child. Although I still should not have to suffer from anything like that being done. It is fraud because she used my social but I dont want to get my mom in trouble but I really need to resolve this issue :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-24
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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 2022-12-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.

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: Phoenix Financial Services LLC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am asking to be removed from my credit reports, because they received my personal information fraudulently. They received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.

Most companies find the last 4 S.S.N. numbers, and full legal name is precise enough information to locate a person in your database. I am not comfortable giving you information that you fraudulently obtain from a company. That suppose to protect my personal information under U. S. Code 15 Commence and Trade 6801. If I am not in your database, then you fraudulently reported me to the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 i sent Transunion a certified letter because Transunion reinserted an account back on my credit report after removing it. 
15 USC 1681 ( b ) ( i ) Certification of accuracy of information if any information is deleted from a consumers file pursuant to subparagraph ( A ) The information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information " CERTIFIES '' that the information is complete and accurate. 
I have requested a description of the procedures used to determine the accuracy and completeness. I also requested a copy of the " Certification " received by the furnisher. 
XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX Transunion fail to respond to my request, they updated my account as verified. I was never given a description nor a copy of the Certification. 
I was completely ignored, my concerns were not meet.

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 2022-12-01
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After receiving the initial notice of the debt, I called XXXX XXXX to get more information about the debts owed. In my conversation with the agent, she went through several common problems ( failure to submit notice to vacate, cleaning fees, rent owed, etc. ), but none of these situations applied to me as reflected by the payments on my account. She said that she would discuss this with her manager and return my call to explain the debt. My call was never returned, and I have not received any further communication until I received another collection notice this evening. I have attempted to contact XXXX XXXX multiple times since the original outreach, but my calls and messages have not been answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Experian Information Solutions Inc.
State: PA
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 been trying for the past few months to have this issue resolved.This account has been re aged and is a violation and needs to be deleted off of my report. 

XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX Experian is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX I will attach a copy of my report as proof. They are in violation i want this deleted 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 explanation
Consumer complaint received 2018-11-29
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
This is an update and clarification to Complaint XXXX-XXXX  which was closed XXXX, saying, " The company has let us know that it cant respond to this complaint as it lists an unauthorized third party. '' Please understand that this pertains to two CDs my father had. He passed before they matured. In the meantime, I accepted his Power of Attorney, am the sole trustee of his estate, and am his executor. I am not an " unauthorized third party. '' If you need clarification, please call me at XXXX. 

Here is the original complaint from XXXX : My elderly father ( I am now his executor ) purchased two substantial 18-month CDs from XXXX XXXX, in XXXX XXXX, MI. He received a promotional interest rate of 1.49 %. 

A few weeks before the CDs matured, he received a letter telling him unless he instructed otherwise, his CDs would automatically renew and they would adjust the interest rate to the current rate. They did not disclose ( or approximate ) what the renewal rate would be. He presumed ( poor choice on his part ) the rate would be similar and competitive. The rate went from 1.49 % to .149 % - ONE-TENTH what he had received. 

He tried to close the CDs and was quoted a five-figure early withdrawal fee. This rate change cost his heirs {$15000.00}. 

But, more importantly, this seems to be intentionally deceitful on the part of the bank. They won't know *precise* interest rates three weeks out, but they know *approximately* what the rate will be. 

It seems they should be required to make that disclosure. Especially when dealing with the elderly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was debited {$1000.00} for an ATM withdrawal that I did not make on XX/XX/23 at a Chase bank ATM in XXXX, Illinois. The bank closed my claim without providing any proof that I did not perform the transaction. I filed a police report on XX/XX/23 ; report # SCP XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: APEX Asset Management, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on APEX ASSET. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2022-06-01
Company: EQUIFAX, INC.
State: NC
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 appears that my credit file has been compromised. Again, I was going through my records & noticed this account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or account that is found to be opened due to identity theft. The dispute account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this account. 
XXXX XXXX Balance : {$1600.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that this account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 non-monetary relief
Consumer complaint received 2022-09-01
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: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 non-monetary relief
Consumer complaint received 2019-10-30
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019, I filled out an application for payday. When completing the application it asks when did I get paid. I marked XX/XX/XXXX and the last day of the month. Before signing the application and accepting the payment I stated to the representative that I get paid on the XX/XX/XXXXand last day of the month. The representative stated that it wouldn't be a problem and they will correct. Once I notice that they didn't fix the problem I called them back. The representative told me that there nothing I can do about the contract was signed. I am explaining to the representative that I don't get paid until the XX/XX/XXXX which is the last day. The representative started getting smart and I told me that the issues wasn't going to get fixed. 

I need them to resolve the problem because it causing my account to be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TransWorld System Inc XXXX XXXX XXXX XXXX XXXX I have disputed this account TransWorld System Inc with the credit Bureaus because I had no knowledge of the account, and all they did was update the information on my credit reports. I then wrote to TransWorld System Inc on XXXX XXXX requesting more information about this account, but they never responded to my request. I again wrote the Credit Bureaus on XX/XX/2022 informing them that TransWorld System Inc has not responded to my request for validation which is a violation of my rights Under the Fair Credit Reporting Act, and to PLEASE REMOVE this information from my credit reports. Again, all the Credit Bureaus did was update the date on the report. I have enclosed all notarized letters to show proof that I had correspondence with the Credit Bureaus and TransWorld System Inc regarding this inaccurate reporting. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: DISCOVER BANK
State: TX
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:
Hello I have a major issue with discover I have been a long standing customer about 6yrs and I have never miss a single payment. Though I have been a loyal good paying customer my loyalty has never paid off. My credit limit has been and remained at XXXX. 
With that being said there continues to be an unauthorize charge on my account from XXXX XXXX XXXX for XXXX. I immediately reach out to discover to dispute this transaction as I didn't authorize this charge. They dispute the transaction pending investigation. At that point I contact XXXX XXXX and ask them who authorize them to charge my card they claim my card was on file which was not true. Why would i have a card on file that has a XXXX limit and you charging XXXXSo I told them remove my card and never charge it again on a recorded line. However I'm confused as to why Discover would even let the charge go through of XXXX when they only have me at a XXXX credit limit then allow that account to be over drawn. I called discover and explained the situation they say well even though I told them to not charge my card they still can charge it. That makes no sense to me that tells me anybody can go into my account and charge as they please and I'm on hook for the bill. So Discover put the amount back on my card so I end up paying it based on me calling XXXX XXXX to not charge it again. I check my Discover on the XXXX to make a payment and there it is again another charge for XXXX from XXXX XXXX now this is really getting out of control Again why did Discover allow the charge to go through now my account is back over the limit so i dispute again they take it off and place it back on. How is this legal a company can just charge your account as they please even though I have a email stating this is a one time use of the card and they continue to charge it and Discover fails to block the charge and allow it to go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : XXXX  XXXX bankruptcyXXXX

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