BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: Midwest Recovery Systems
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Midwest Recovery Systems on the beginning of XXXX to resolve an old 10yr old debt of {$960.00}. The company advised me the debt was to be removed from my credit. The debt is still on my account, and Midwest Recovery will not respond to any further attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: GA
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE CHECKED MY CREDIT REPORT THERE WAS SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT DO.SOMEONE USE MY NAME TO APPY FOR CREDIT FRAUDULENTLY I HAVE INCLUDED MY FTC REPORT

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 2023-09-28
Company: EQUIFAX, INC.
State: FL
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:
I checked my credit report and found that some of the data were incorrect. The three  credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX open CCB/ELDORADO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCB/ALPCOS XXXX XXXX XXXX XXXX MB FIN SVCS XXXX REPUBLIC/NC XX/XX/XXXX REPUBLIC/NC XX/XX/XXXX XXXX XXXX XX/XX/XXXX PREMIER XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TRUCK GROU XX/XX/XXXX ZOOT/DAIMLER XXXX XX/XX/XXXX PRTRUKAMAR XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX  XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX DEP OF ED {$600.00}

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 2023-11-22
Company: EQUIFAX, INC.
State: NJ
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX  XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  {$400.00} Opened XX/XX/XXXX XXXX XXXX  XXXX {$400.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$400.00} Opened XXXX XXXX XXXX XXXX DEP OF ED {$600.00}

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 2020-04-16
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid the credit card company Elan before the due date of {$350.00} This was taken out of my checking account on XXXX XXXX BUT was not applied to the balance showing available credit of XXXX! 
I called the credit card company and the customer service person stated that it was being held since they were not sure if they would have gotten paid since a payment was returned in XXXX of 2020! 
I have never had a payment returned ever! 
I did pay the credit card twice in XX/XX/2020 so I requested that they send back one of  the payments. The credit card company did return one of the duplicate XXXX payments on XXXX XXXX. 
Furthermore the rudeness and unprofessional attitude was unbelievable especially during this time of the virus one would think that kindness would be prevalent!

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 2023-12-01
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Account was paid to XXXX on XX/XX/XXXX. A merchant then charged {$50.00} to the account on XX/XX/XXXX for a XXXX automatic payment. The transaction is pending, however the bank has updated my credit card account to reflect a balance of {$50.00}. My credit card payment due date and statement closing date are on XX/XX/XXXX. I attempted to pay the balance, but the credit card company has disable all payment options and is telling me that there is nothing to pay. 
1. Why is a pending transaction that hasnt yet posted being reflected in my balance? 
2. Why am I being prevented from making a payment to prevent a balance from posting to my credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: TrueAccord Corp.
State: OR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX years ago and after spending a ridiculous number of hours calling and talking to countless people including the fraud department i just got a letter from a debt collector over {$45.00}. I gave a tenant renting a room an eviction notice to leave in a week. A day or two later she called XXXX and said her name was XXXX  XXXX and that she was my wife XXXX Ive never been married ) they allowed her to set a XXXX or XXXX digit passcode blocking me from my own account. She was an authorized user on the account but not under the name XXXX  XXXX. Her and her boyfriend orders all kinds of XXXX and other XXXX  shows to XXXX XXXX my account being suspended. Thats when I contacted them and they wouldnt even discuss my account under my social with me. After days of calling they finally listened to what happened and they are the ones who told me about the phone call they got from my wife when she moved she took the XXXX receiver she had in her room I returned all others that were on the account. I thought this was all taken care of between me and them XXXX years ago. Like I told them I dont think I should be responsible for this they should not have allowed her to take over my account without verify any info or taking to me the account holder. That should never have happened

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 2020-09-25
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint on XX/XX/2020 in which Rent Recovery Solutions response continues to be a stall static in order to try and collect a debt in which I do not owe. 

In my previous letters, I stated that all correspondence was being forwarded to my attorney. Only if I decide to file suit you will be contacted by my attorney. 

As I have tried to keep this matter out of court and save us both some time but your company is still trying to collect money in which I do not owe your company any money. 

Your company never investigated this matter which is very deceptive. Your company never told me who I supposedly owe this money to! 

I have never received any sum of money nor merchandise from Rent Recovery Solutions so please tell me what binds me to you? 

If XXXX XXXX  XXXX  and The XXXX XXXX is also stating that they can not verify this debt then again who do I supposedly owe this money to? 

This company continues to operate on deceptive practices to illegally collect money in which isn't owed. 

Please provide me with a legal contract that binds me to Rent Recovery Solutions and that shows I have received any sum of money or merchandise from your company in which I signed and promised to pay your company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed with this creditor and I have requested bank transitions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and preform an investigation. The creditor has illegally reaged my date late active XXXX. XXXX is missing date last active and is unverifiable. XXXX failed to update my account and do a proper investigation. The creditor last reported XX/XX/XXXX even though I sent my dispute XX/XX/XXXX. Today is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor.

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 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2022-09-20
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Despite numerous attempts since XXXX, I have been unable to dispute the transaction online, and have been unable to reach a live rep without being placed on hold for more than 2 hours! 

I have tried to notify Capital one but Im forced to resort to send a letter, using my letter head, in order to wake someone up that this is serious and each time it occurs its increasingly aggravating. 

Im writing to dispute the following debits to my account : XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX Ive sent emails, sent faxes, and even left my call back number and name in the queue for a rep to call me back to no avail. I have filed a complaint with the Consumer Financial Protection Bureau. I understand that COVID-19 has disrupted businesses, including my XXXX, but common decency should allow to call me back. This is my final attempt. I have already spent a whole day on the phone trying to reach your staff, costing me nearly {$1500.00} which I expect to recove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX is closing out my complaints withouut addressing the serious errors in information its furnishing to the CRAs. It has closed out complaints { XXXX, XXXX } and marked them as duplicates of XXXX. 15 U.S. Code 1681s2 ( a ) ( 5 ) ( B ) require the date of first delinquency ( the commencement of the delinquency on the account that immediately preceded the charge-off ) must be a date that PRECEDES the date of charge-off action. To quote XXXX in many of its responses it alleges : " It was charged off on XX/XX/XXXX. '' Now XXXX knows or has reasonable cause to believe it is reporting the incorrect information because it tries to explain away what itss doing, " It is important to know your account charge off date of XX/XX/XXXX has not changed, '' presumeably because the Date of First Delinquency informaton it is furnishing to the CRAs is XX/XX/XXXX. This is a date that is explicitly prohibited under the FCRA. However, XXXX places the blame on the CRAs claiming, " we have no control over how the credit reporting agencies display the information we provide to them. '' This might be believable except, the table XXXX itself provided in its response to XXXX shows they only started reporting the alleged charge-off status on or around XX/XX/XXXX. XX/XX/XXXX is not a date that precedes XX/XX/XXXX and XX/XX/XXXX is not a date that precedes XX/XX/XXXX. Neither XX/XX/XXXX nor XX/XX/XXXX are accurate dates to allege a date of first delinquency. No doubt XXXX is engaging in unfair and unlawful acts and/or practices by furnishing information to the CRAs that under 15 U.S. Code 1681s2 ( a ) ( 1 ) XXXX knows or has reasonable cause to believe is inaccurate. Any reasonable person can see it is inaccurate, yet XXXX continues to furnish this date to the CRAs. Therefore, the payment history, charge-off status, derogatory account narratives, and charge-off annotations must be removed because the information does not meet the requirement of maximum possible accuracy under 15 U.S. Code 1681e.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I need you to look properly at the documents that I've attached.

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 2019-06-23
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a joint savings account with my spouse " XXXX XXXX '' but it was rejected. I was asked to reach out to XXXX XXXX. From them ( XXXX  XXXX ) I come to know that there is a balance of {$2400.00} which is not paid by her ( XXXX XXXX ) and that's why the joint savings account can not be opened. 

But this was already paid ( more than 90 days back ). So why in the world Ally bank is doing all this? I have the entire emails regarding this discussion. All the transactions are also been recorded. 

It seems that Ally Bank has no idea what they are you doing?

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