BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: ERC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with XXXX XXXX, Enhanced Recovery XXXX XXXX XXXX and XXXX. They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first and second dispute was submitted. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. 

The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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: Information belongs to someone else

Complaint:
I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have Accounts left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT #. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. I am submitting this CFPB once again, to request to you to remove the disputed fraudulent accounts and information from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2021-01-06
Company: DISCOVER BANK
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:
XXXX I made an order for XXXX from XXXX  XXXX, Order never arrived so I processed to file a claim with XXXX  XXXX, company never got back to me so I did the next reasonable step and filed a dispute with the Discover. Discover says because XXXX XXXX has showed " proof '' that the item was delivered means that I have the item in my hands. That's ridiculous, I even told Discover that I filed a police report for the items I never got because I believe they must of gotten stolen but yet they still think I have them because XXXX XXXX shows that it was delivered, no signature, nothing. The tracking only says that " it was left out front '' how can the delivery company leave XXXX $ worth of items sitting out front. I live in a very bad part of town so the fact that they would do that just baffles me. 

Disputes number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-14
Company: DISCOVER BANK
State: NJ
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:
Incompetent Discover card prepared a letter dated XX/XX/2018 on case number XXXX claiming based on new information received that they are applying the disputed amount back to the account based on new information received. There was NO new information attached to the letter it was the same old information submitted previously by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX .... Balance : {$2300.00} ; XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$630.00}

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 2021-01-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Despite of the written appeals I sent, any kind of responses was taken for granted. Thus, their action have violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. 

Here is the list of accounts that is still reporting on my Credit Reports : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}

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 2019-04-12
Company: CITIBANK, N.A.
State: NV
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:
I keep getting calls all day long from XXXX, I have all my messages on " send '', but when they were leaving messages it was the following : " Customer Service is Busy but if you could please just take a few minutes to log in at XXXX forward slash City XXXX XXXX XXXX XXXX XXXX. To review your account status it would be appreciated. If you would prefer to call us please feel free to visit as always great to get a chance to speak with one of our valued clients. Our toll free number is XXXX. Once again thanks for being a valued City Bank customer. '' ( I copied this off the internet when I plugged their phone number into XXXX ) # # # I have investigated this number on the internet and people are saying it is City Bank trying to collect on a XXXX credit card, they say it is fraud, I do not have a XXXX credit card. I do have a Citibank card and contacted them and they said they would look into it, but so far, I am still receiving calls, I am in good standing with Citibank. I do not want to call the number given as I do not want to be involved in this. I sent a notice to the XXXX as well, hopefully you can do something, I also received a text from them " Citi Payment reminder : visit www.citi.com/XXXX or call XXXX to make a payment on your XXXX Account, to opt out of all texts reply " stop ''. I did not respond. 
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 2020-12-28
Company: U.S. BANCORP
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been a victim of a scam. I am unemployed and seeking work. I built a resume on XXXX XXXX and a company reached out for a virtual job interview. I accepted. The interview was at XXXX XX/XX/2020 and went til XXXX. I accepted the job offer and the company sent me an employee letter and XXXX to fill out. They sent a check over night for me to deposit and this would be used as my start up equipment. I was to begin training immediately after receiving my equipment. The check was deposited on XX/XX/XXXX. I was required to pay, using the funds once the check was cleared, to a trusted vendor that would send me all the programs needed already downloaded on the laptop. My bank has said theres nothing they can do once I started to suspect anything and XXXX has only sent an email saying they are not responsible. Hours after this happened while I was on hold with my bank for 1 hour I was losing access to mobile banking. Since I am unemployed and have only the government funds I receive for unemployment I now am required to use that money to live off of and start making payments to my bank for the transaction. I am upset because I disputed these transactions and us bank ran an investigation which no one contacted me to inquire about this and they do not have all the details so how did they complete the investigation? XXXX needs to take out their main add that they are backed by big banks so its safer than XXXX. And the banks need to help us as our financial institution. The scammers are getting too good for everyone to know how to handle these situations. Disappointed in everyone involved with this.

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 2022-07-13
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been sending multiple dispute letters as well as CFPB complaints against the Credit Reporting Agencies to request the correction of the erroneous accounts and information from my Credit File. Under the FCRA, the Credit Reporting agencies are required to investigate the disputed accounts and correct or fix the information being reported on my Credit File. I am submitting this CFPB complaint once again, to request to the Credit Bureaus to remove the erroneous information being reported on my XXXX XXXX. Please once again, fix, remove, and correct the following accounts from my Credit File : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$51000.00}

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 2023-03-31
Company: Experian Information Solutions Inc.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$3000.00}

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 2021-09-22
Company: EQUIFAX, INC.
State: SC
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 exercising my right to submit a dispute. I have sent this letter via certified mail with tracking and signature required as well so the company can not say they did not receive it. They will have the information 2x.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions 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:
This account was closed on XX/XX/XXXX XXXX XXXX  - XXXX XXXX  XXXX Last reported XX/XX/XXXX {$4900.00} Reported balance Credit limit {$4500.00} You're using 111 % of your account 's limit OVERVIEW Credit limit {$4500.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 4 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$4900.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Dispute resolved ; reported by grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX USA ( 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 2023-10-05
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I live in Hawaii, and every time that I need to call Im always hooked up with a call station out of XXXX, or the XXXX, thinking that they would help me and I told them that I was having problems with the tutorial with XXXX credit card that it didnt look like The occurring charges were taken off this also happened when I did the same thing to Chase and it took me at least 20 minutes on the tutorial to find the recurring charges on both credit cards when I did find them I took both of those recurring charges off of both credit cards of course I started with one credit card was it was XXXX and then when I found out the XXXX was not accepted credit cards anymore I changed it to Chase and found out that they would not accept credit cards anymore. After that I contacted XXXX and started using a debit card on both accounts of XXXX and Chase I had a perfect record of paying my bills on time for approximately three years. everything on time it didnt take them but couple of weeks to throw me in delinquency but every time I try to expedite us Id call at XXXX XXXX in the XXXX, figuring that I could talk to a representative on XXXX credit card or chase credit card representative and I always got a representative from the XXXX  XXXX XXXX XXXX They said that they would pass this information on because there are representatives of these companies. Finally I talk to a representative on both credit cards And they said they never had no response from neither of these call stations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Credit acceptance is not updating information or reporting payments and chargeing illegal fees and not fixing accounts and adding fraudulent interest

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 2022-11-14
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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2022-06-10
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I checked my mail and received to seperate envelopes from a company named CHIME. In the first envelope was a debit card, second envelope was a credit card. I did not open this account. I contaced the number in the back of the card and they wanted me to give them an email and the last four digits of my social security. I told them I would not do that and to make a notation that I did not open neither accounts.

Company response to consumer: Closed with explanation