BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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: Investigation took more than 30 days

Complaint:
Hello, I have recently checked all three consumer reporting agencies and notice PLENTY of inaccurate and false information on my credit report. Yes i have tried to send you all mail on all inaccurate information on my report but I have nit seen any changes or receive any mail back from you all in the past 30 days. These inaccurate reports I believe was one of the reasons I was denied of a job and can not get approved for a home for me and my family. These bureaus are required to report 100 % accurate information across the board or it must be deleted .Also I am highly aware that majority of these accounts do not have my written permission or a signed contract with me so they are all considered fraudulent and have stolen my identity. So not only are you all reporting false information it is also fraudulent information that must be removed from my report or we can go a step further and file a lawsuit and receive {$1000.00} per violation under my civil liability law.I would like to be treated fair and request that all accounts be removed from my consumer report being that they are third parties with NO business with me and will handle that accordingly as well. 

I know that under after any reinvestigation of any information disputed by consumer ( ME ) an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agencies shall promptly delete that item of information from the file of the consumer and if you are unable to provide me a copy of verifiable proof within 15 days after the reinvestigation you must remove these accounts below. 

1.XXXX  2.XXXX  3.XXXX 4.XXXX XXXX XXXX  5.XXXX XXXX XXXX 6.XXXX  XXXX 7.XXXX  XXXX  XXXX 8.XXXX  XXXX XXXX 9XXXX

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 2023-11-17
Company: U.S. BANCORP
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, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-12-30
Company: Experian Information Solutions Inc.
State: OR
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:
Currently have an account with XXXXXXXX XXXX XXXX. This is a line of credit. Balance on credit report has not changed in 3 months after several payments.

All three reporting credit agencies report wrong balance.

This affects my credit score. 

I believe XXXXXXXX XXXX XXXX is not reporting correct balances to credit agencies. 

XXXX  contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX Phone Number : ( 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 2023-04-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX at XXXX XXXX XXXX, money was taken from an ATM from my Chase account. I called Chase and had my debit card ended within the hour. I filed this claim and told Chase it was not me as I was at my office at that time at XXXX XXXX XXXX in XXXX XXXX  the claim took a long time to process and in the last few days the temporary credit Chase issued was rescinded and the claim denied. They said the device was a known device that made the withdrawal and I was not there. I spoke to Chase and they said they did not pull ATM camera footage. They did not do an adequate investigation. There was no way I could have made these withdrawals. Chase is refusing to give the stolen money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: MRS BPO, LLC
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Mrs. BPO is reporting a debt on my credit file they can not verify. They are reporting a {$610.00} debt for XXXX XXXX XXXX. When I called to see if this was my debt, they could not verify anything. They said they couldn't find any account under any of my information and told me I needed to go to a corporate office so they could find me and then I could pay them. I live 3 hours away from a corporate office and if I have to pay them IF I even have a debt, why is Mrs. BPO reporting? This is a violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXXXXXBalance {$0.00}

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 non-monetary relief
Consumer complaint received 2023-05-02
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: Their investigation did not fix an error on your report

Complaint:
I checked again my credit report and found that some of the data wereincorrect. 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Credit Fresh Holdings Inc
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good evening, My name is XXXX XXXX. 
This year I was a victim of Identity Theft. 
It has put a huge strain on my life and has even led me to being evicted. 
I am trying desperately to remove all the fraudulent activities on my credit report. 
There is an account in my credit report from your company. 
I did not open this account and I have not used any goods connected to this account. 
This account is a direct result of IDENTITY THEFT. 
I ask you to please remove this account from my credit report and do a thorough investigation. 
I have been dealing with this for months and I just want this to be over. 
I have attached a PDF with all documents proving my identity. 
Please help. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I were a victim of identity theft and had multiple phone lines, bank accounts, inquiries that werent me and they seem not to do anything about it. XXXX is saying I owe them {$1100.00} and I never had them as a personal phone company. My wallet was lost and stolen about 3 years ago then another time a year ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: PA
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-12-25
Company: Resurgent Capital Services L.P.
State: MA
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:
Resurgent Capital Services is reporting a balance and changed " included in chapter XXXX '' To seriously past due Sent to Attorney. 

This account was included in my discharged chapter XXXX bankruptcy filed this XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
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 CFPB For approximately 4 months now, I have been sending notifications to the credit bureaus so that they comply with the law and report the accounts correctly. What has been my surprise when I notice that I have been totally ignored in this process in which I find myself. Reading on the internet I realized that my rights were being violated, that's why I came to you so that you can help me with this problem that affects my life. 

Thank you, I hope you can help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan balance was {$180000.00}. In XX/XX/XXXX, I received 2 letters stating that my loans were to be discharged. XXXX now has my student loans # 1 I did not agree with them that they could have my student loans they were just transferred to them from fed loan servicing where I had consolidated them from XXXX in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from XXXX to XXXX but my balance with XXXX never went down. I called XXXX and XXXX numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to XXXX I was told not to worry about it and that it would be deleted when XXXX discharged it from their end. There are no records in either XXXX or XXXX as to what they are doing with any of my accounts. XXXX has not subtracted the amount that XXXX has discharged and they have taken more from XXXX. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received notice to my email that a Bank of America account had been opened. I received these messages at XXXX XXXX XXXX this morning. I did not open any new banking accounts recently. I tried to call the support and fraud numbers on their website to speak to a representative, but I kept getting stuck on the automated messages about providing the account numbers. I don't have them since I wasn't the one that opened it. I have emailed their fraud department and customer service this morning, but have yet to hear back from them.

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor 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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Self Financial Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had a credit builder account through self financial online and successfully paid it off to term. Through the loan process I used the balance of the money I had paid in ( {$1500.00} ) to place a deposit on their secured visa credit card. When the loan was finished and it was time for me to open another loan I didnt submit my ID verification documents snd ghe account and credit card account were closed on XX/XX/2023. The bank statements for XXXX and XXXX of 2023 state I am to be issued a refund of my deposit {$1500.00} and I have called this company 4-5 times and asked when I will be getting my deposit/payout sent to my account and they first said I needed to submit identification verification documents which I did promptly. That was back in the last week of XXXX of this year. Every other time I call and complain they tell me the escalation department will email me concerning the issue but they never do! And finally after the last call and request for information they sent me an email stating that they were not obligated to give me any time frame in which my money will be returned to me and thats a bunch of XXXX! Can you please help me get my deposit released and deposited into my account? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25
Company: SYNCHRONY FINANCIAL
State: FL
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've called twice and tried online chat. I have returned items via mail to XXXX XXXX months ago and have yet to see a credit for my returned items. Now I understand that we are under a pandemic but having no resolution other than disputing the charge is absurd. Their online functions are garbage that the whole company XXXX XXXX XXXX is stuck in the stone ages!! I paid my bill so that I do not have implications on my credit report and want my MONEY!! Please refund my money! I also never asked for this to be a credit card instead of just a store card, I want it to be a store card only!

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 2023-11-16
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Upon reviewing your response, I have several concerns and disputes related to the handling of my account. Firstly, I did not receive an Initial Demand Letter via email on XXXX as stated in your letter. Please verify and confirm the accuracy of the email address on file to ensure proper communication.request a detailed explanation of the process TSI followed in placing account XXXX XXXX on my credit profile in a disputed status. It is crucial that this information is accurately reflected on my credit report. 

Lastly, I appreciate the documents enclosed with your letter. However, I would like a more detailed breakdown of the validation information for a better understanding of the specifics surrounding my account. 

And I would like to receive a copy of your surety N.J. bond license and NJ debt collection licensed that you're licensed to collect debt in the state of NJ and it was valid when you inserted a collection on my consumer 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