BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I keep challenging the same accounts every month regarding the status, account information, and missed payments plus charge off information errors on accounts. I keep seeing nothing has been done or the information comes back as accurate or verified when no proof has been sent to me. This has been going on every month for 2 years with all the 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I just opened my checking account with Bank of America on XX/XX/2023. I only used it a few times. Also, I connected my direct deposit to it. But, without notice, they closed my account. I had bills to pay but everything was stopped. Other than a person calling me the XXXX, letting me know that I needed to take my ID to a local bank. I agreed and let them know that Id go to the bank on the 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 2021-10-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX : Received promotion email for my Uber credit card regarding earning {$400.00} in additional Uber Cash on everyday purchases. 
Promotion terms : Use your Uber Credit Card to earn an additional 5 % Uber Cash for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to {$200.00} Uber Cash, from XX/XX/XXXX to XX/XX/XXXX. 
Plus earn an additional {$200.00} Uber Cash if you spend at least {$3000.00} on purchases from XX/XX/XXXX to XX/XX/XXXX. 
All Uber Cash earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. 

Early XXXX : Called customer service to make sure I was enrolled into the promotion and said I was enrolled correctly. 

Before XX/XX/XXXX : Completed over XXXX  ( almost XXXX ) in purchases on my credit card. None of the purchases were used with a mobile or wireless card, only the physical uber card. Transactions were all in-store. My credit card was never closed and the product was never changed. My account to this day is open, active, and in good standing. 

XX/XX/XXXX : Terms said to wait 6-8 weeks after the end of the promotion for the Uber credit to show in my statement. 

I called customer service and they told me to wait until the end of the statement which for my case was XX/XX/XXXX. 

XX/XX/XXXX : No bonus posted yet. I called and started a case regarding not getting credited for the promotion. Case # XXXX Representative told me to wait 7-10 business days for either a letter/e-mail regarding the issue which was forwarded to the necessary department to look after. 

XX/XX/XXXX : No bonus, no correspondence from Barclays whatsoever.

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 2023-05-15
Company: Self Financial Inc.
State: NV
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 am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

XXXX Account # XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: EQUIFAX, INC.
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to have fraudulent items removed from my credit file. These fraudulent entries are adversely affecting my credit history and financial standing, and I am seeking your immediate assistance in rectifying this matter. 
I discovered that there were fraudulent entries on my credit report issued by XXXX, Transunion, and XXXX Credit Bureaus. These entries have been listed as legitimate accounts, which I had no knowledge of or involvement with. 
Since discovering these fraudulent entries, I have made multiple attempts to have them removed from my credit file. I have submitted the necessary documentation, including police reports and affidavits of fraud, to support my claims. However, despite these efforts, the fraudulent items remain on my credit report. 

Resolution Requested : I kindly request the following actions to address this issue : Conduct a thorough investigation into the validity of the fraudulent items on my credit report, considering the documentation I have provided.

Remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature.

Provide me with written confirmation once these fraudulent items have been removed and no longer appear on my credit report.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand that the presence of fraudulent items on my credit report is a serious matter that can have severe consequences for my financial well-being. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to resolve this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response withinthe exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit report and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. Please assist me to move these following fraud items in mhy credit 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 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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDept Of ED XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Chapters VIEW ALL

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 2023-12-11
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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: LA
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 sent over affidavit explaining the violations on my credit profile and I havent heard anything back

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 2021-10-20
Company: EQUIFAX, INC.
State: OH
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 Equifax 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 Equifax 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 Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2021-10-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Accounts are as followed incorrect, and adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed by a fraudulent company called XXXX claiming to sell shoes. They sent something completely different from the items ordered on their site. I have contacted Bank of America several times to assist with this issue and got absolutely no assistance with this matter. I returned the merchandise to the address on the package because XXXX was not willing to provide me with an address in the US to send the package to despite the package coming from an address within the US. The company claimed I would be getting a refund that I never received. I would like for Bank of America to step up and protect me as a consumer from this fraudulent company.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: VA
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'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.

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 2023-05-16
Company: Rausch Sturm LLP
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was served with a complaint in the Eleventh District Court in the State of New Mexico from Plaintiff XXXX XXXX XXXX claiming that I incurred a debt with XXXX Bank and that XXXX XXXX XXXX were filing suit upon a debt owed. They included copies of billing statements from XXXX and XXXX but stated that they were NOT a debt collection company. Further, they did not submit any documentation showing I signed anything, no copies of my drivers license, nothing, it could be someone else 's bill with my name accidentally on it, there is nothing to show anything. 

On XX/XX/XXXX, I filed a motion for a more definite statement as I have no idea who these people are and do not believe that I signed up for or purchased a XXXX XXXX  account. I am still further confused as I have had no interaction, received no mailings, and had zero communication with ANY of the people stated in the complaint : no XXXXXXXX XXXX XXXX interaction, no XXXX XXXX  interaction, no XXXX XXXX interactions. 

**I have a serious XXXX XXXX and did not leave my house from XXXX XXXX under doctors orders, except to go to the physicians office or as directed bi-weekly for infusion therapy. Therefore, there is no way I did anything with anyone from XXXX On XX/XX/XXXX I received a letter in the mail from Rausch Strum LLP stating that THEY are collecting the debt for XXXX XXXX XXXXXXXX XXXX This is after XXXX XXXX XXXX filed a suit against me and their attorneys are listed as Rausch Strum so who is on first, XXXX  or Rausch? At this point I am so confused as to what is happening. 

On XX/XX/XXXX I called the number listed on the letter XXXX and asked whether they were a debt collection company and they said YES. I then asked for them to explain who they were and how they got my information and the woman I spoke with told me to call " XXXX '' and then hung up on me. I do not know who XXXX is. 

On XX/XX/XXXX I sent Rausch Strum, the people who sent me the collection letter on XX/XX/XXXX a Certified Letter ( and have the receipt signed that they received it ) Demanding that they Validate my debt and informed then that they have already filed a lawsuit on behalf of XXXX  against me in the courts without telling me who they are or how they even know me. I have not received a response from them. 

I am now being asked to pay {$200.00} to a Debt Owed and Due Settlement program in New Mexico as my case has been stayed as a result of this program, without these people even telling me who they are or how they know me!

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 2022-11-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
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:
Hello, My name is XXXX XXXX and I am a victim of identity theft i have not made these charges and i demand these these be removed from reporting onto my credit report. Again I am a victim of identity theft and according to federal laws these should not be reporting as theyre not mine so needs to be ceased.

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