BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: NC
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: The CMI Group, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection showed up on my report that I dont recognize I called the co. He proceeded to ask information from me but never told me who I owed when he asked for my ssi number and birthdate I hung up. The co is credit management Lp Ive since looked them up and now know its a scam I dont know how to get it off my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: EQUIFAX, INC.
State: MD
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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
During the summer of 2020 I was experiencing a temporary shortfall of cash due to Covid-19 related shutdowns. I took out the following cash advances on my Chase credit card at a Chase branch bank : XX/XX/XXXX - {$500.00}, XX/XX/XXXX - {$1500.00}, XX/XX/XXXX - {$1500.00}. I was told at the time by the branch teller that if I paid it off right away that I would avoid the interest. I paid {$2000.00} of on XX/XX/XXXX and an additional {$1500.00} on XX/XX/XXXX. They did not apply any of that money to the high interest cash advance. I tried to resolve it through Chase Credit Card Customer Service twice. The last time I spoke to supervisor XXXX XXXX and was informed that I paid it too early - it had not registered in the system yet despite the fact that I was given contrary information from the teller. She informed me there was nothing she could do. I have paid approximately {$600.00} in cash advance fees - because I tried to do the responsible thing, in the height of COVID-19 economic crisis. 

I have attached a record of the advances, the interest paid on the advances and the payments I made to pay them off. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$880.00}. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX Balance : {$0.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-15
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
EVERY YEAR I REVIEW MY CREDIT. I BEEN TRYING TO FIX AND ACCOUNT NOT MY WITH MIDLAND CREDIT MANAGEMENT FOR A BALANCE OF XXXX, WHICH IS NOT MINE. I EXPLAINED TO THE COMPANY AND THE ONLY OPTION GIVEN WAS TO MAKE THE PAYMENT. 
TRIED TO DO A DISPUTE WITH THE CREDIT COMPANIES BUT WAS UNSUCCESSFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 have noticed these unauthorized inquiries in my report. I have given the three credit bureaus a call XX/XX/XXXX regarding these inquiries. I was told that these inquiries can not be removed under any circumstances. Without showing proof of unverified/unauthorize information. Here is the list of inquiries that are listed on my credit report. 

XXXX XXXX XXXX  posted XX/XX/XXXX XXXX XXXX XXXX  XXXX posted on XX/XX/XXXX XXXX posted XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX posted on XX/XX/XXXX XXXX XXXX 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 2020-05-04
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sallie Mae mistakenly reported a delinquency on my credit report when the owed amount was paid using their app. According to the app the payment was rejected when funds were available at the time. I have contacted the case manager and this person did not work with me. I have paid the amount, but wanted my credit corrected. She insisted that this was not their fault and needed to check with my bank. 

They do not report calls or let you know in any way that the payment was " missed '' or rejected which was what happened to me. - When they call they do so from unknown numbers and with the amount of scammers around I or anyone I know do not answer any type of calls from an " unknown '' number. The caller ID does not display a number it just shows " unknown '' The amount was paid, but now I have to dispute a negative mark on my credit report. 
the date I called Sallie Mae XX/XX/2020 - The date the payment was rejected XX/XX/2020 for the amount of {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Aldous & Associates, PLLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to XXXXXXXX XXXX XXXX XXXX, address XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, on XXXX XXXX I signed a lease electronically. This is false because I was incarcerated and they were told this when they reached out to my family to have me finish up my lease. I have that in email. This hit my credit last year for a total of XXXX. I reached out to them a few weeks ago about this, they acknowledge via email I was incarcerated and would not be coming to sign a lease, I had no access to my email to sign a lease nor do I go in person. I asked them to remove them as I did not do this, they told me no, this is a legally binding contract. I was not sent any form of paper stating I owed them any money, I was not personally reached out to saying I owed them via phone nor via email, as they have both, this was just simply placed on my credit. I never moved here, I never signed a lease here either, so theres no way I can owe them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One will not even respond back to me that I did not make this Inquiry/hard pull.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I tried to dispute all these claims on my credit report throughout three major credit bureaus and they do not submit my disputes I can't my credit score does not go up still having problems I deemed myself with ID me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items 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 items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$87.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance XXXX {$330.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$620.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX Balance : {$110.00}, XXXX XXXX Balance : {$7800.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 analleged 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 non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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.

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 non-monetary relief
Consumer complaint received 2020-03-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX of this year I went into a Huntington Bank to withdraw money, Everything was going fine until it was time to dispense the money. The Atm printed out a receipt but I never received my funds, I then walked into the bank and I talked to XXXX the teller in the front. XXXX and her manager I believe went to the atm and confirmed my funds was jammed into the atm and that I couldnt get the money from them because I didnt bank with them. XXXX then informed me that I should file a dispute with my bank and that I will get money next day as a credit and it then will go under investigation. Still kinda iffy I left the bank and filed a dispute sent in all documents I could the receipt atm number and also the teller bank card. After three days XXXX XXXX contacted me asking for more documents but thats all I had so a week later my dispute was denied. This is so inconvient to me because I was just walking into a bank to withdraw rent money now Im stuck waiting weeks just to keep getting denied again. Like is XXXX XXXX and Huntington communicating with Eachother? I just need my money this is really causing a big mess because I am now two weeks behind on rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
I am a victim of Fraud/ID theft my personal information was used to open a car loan/lease with XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX opened was XX/XX/2016. I have filed an Identity theft report with the XXXX  XXXX XXXX division Identity Theft report # XXXX. I have contacted XXXX in reference to this as well as disputed this with Experian Report # XXXX. The error was not fixed on my report instead the removed my existing car loan from my credit!. The bureaus employ people from XXXX that do not even know how to help me with this issue. I am including a written statement, Identity theft report and proof of my identity, and proof of the theft as stated in the FCRA XXXX ( b ). I have included applicable statutes in the desired resolution section. 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 2020-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Called the business back in XXXX about receiving a check in the mail for the credit of XXXX that's been sitting in my account which has also been closed since XXXX, and the {$39.00}  for the membership fee that was promised to be sent back to me upon closing the account within an acceptable time frame. Back in early to mid XXXX I applied and was approved for another credit card of theirs and attempted to close the account with the membership fee. Company refused to close the account due to an active dispute, but froze the account so that no more time went by since I was requesting the {$39.00} back. Account was only active for about a month after membership fee was applied. Screenshots provided show last time card was used and when membership fee was applied. Called two weeks later after dispute was closed and was able to get the account closed. Agent told me I would be getting a check for the {$25.00} and another one for the {$39.00}  seperately. This was a month and a half ago ... NEVER received either check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX sold an account together with all my personal confidential information to Portfolio Recovery Assosiation, info like SSN, Names, Mailing adress, Birtday, Phonenumbers etc etc. After that Porfolio Rec Ass start calling me and harresting me true phone calls and mail letters I dispute for almost 8 months this account, asking for signed contracts between me and them, bill statement that show for how much they bought this account and my personal confidential information and any autorization that proof they have the right to use all my information. Months after months this company send me letters stating this account has been validated under my name and belongs to me. Finally Portfolio Recovery Ass closed this account and deleted all reporting from the credit agencies. BUT TILL THIS DATE NONE DOCUMENTS HAVE BEEN MAILED TO MY ADRESS THAT SHOWS FOR HOW MUCH THEY BOUGH ALL MY PERSONAL INFORMATION AND I AM STILL AFRAID THIS COMPANY WILL USE MY PERSONAL INFORMATION FOR MALICIOUS ACTIVIES FURTHER UP. IN THIS CASE ALLY FINANCIAL AND PORTFOLIO REC ASS ARE NOT COOPERATING IN MY REQUEST OF THE DOCUMENTATION ABOUT THE SELL/BOUGH OF THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$15000.00}.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Certain accounts on my credit report have been connected to identity theft without my explicit authorization, including my signature. I've previously raised this issue with your organization and am now making a formal request for the prompt removal of these accounts from my report. Their presence has led to substantial emotional and financial distress as they inaccurately reflect my credit history and responsibilities. If this matter is not adequately addressed, I am fully prepared to take legal action to safeguard my rights and seek a resolution. These fraudulent entries on my credit report have impeded my ability to achieve critical financial objectives, such as homeownership and providing for my family.

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