BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I pulled a copy of my Experian Credit report XX/XX/XXXX. The report showed numerous inaccurate and false information. I have tried to contact Experian by writing them a letter via XXXX certified mail which they received and they responded with a letter stating that they believed I did not write the letter and that I had to call in. I called into Experian on XX/XX/ and spoke with a representative named XXXX. I advised her that the report showed a " Chapter XXXX bankruptcy dismissal filed with US Bankruptcy court in XXXX, LA. '' I told her that this was not my bankruptcy and I have researched the information. I contacted the US Bankruptcy Court and spoke with the clerk of the court. She mailed me a letter stating that the bankruptcy courts do not verify bankruptcies with third parties, third party reporting agencies or credit reporting agencies. She said that the US Bankruptcy court did not provide the information to Experian to place in on my credit file with Experian. I called XXXX XXXX and suppressed and frozed my file with them until they are able to correct this information as well. Per Experian, they are the ones who verified my bankruptcy and provided Experian with the information about the bankruptcy. I called Experian and told them that I was disputing the information and that the only way for them to verify the bankruptcy is to physically go to the US Bankruptcy court in XXXX, LA and verify. Since they are not able to verify my bankruptcy, they are required to remove it from their credit file but they are refusing to do so and continue to say they have verified the information. They have not verified the information and are violating my rights under the Fair Reporting Act by not removing unverified, false information from my credit file. I have a letter from the court showing they do not verify to third parties and I also have my letters from XXXX XXXX, XXXX XXXX, XXXX, and other smaller agencies whom Experian may verify through but all these companies I have frozen and suppressed my file with their companies which does not allow them to release my information to Credit reporting agencies. Also, I disputed previously on numerous inquiries which I did authorize on my credit file and Experian refused to remove them. I told them that I did not authorize them and they told me to contact each party who pulled my file. I called the companies and they said that Experian would have to remove 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 2023-07-31
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  Account DATE : [ XX/XX/XXXX ] Reason : [ NOT CORRECT ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

Sincerely,

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 2021-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A person representing or working for XXXX XXXX XXXX came to home looking for me. On XXXX a person pulled up to my home very aggressively and popped/lifted up her trunk and told the people that she was looking for me in a very aggressively matter. Her demeanor was as if she was going to cause bodily harm to me. The female started that she was looking for me and needed to serve me & while standing next to her trunk wanted to know when would be back. I called Portfolio Recovery whom told me that they had no clue what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the collection account listed on my credit report under Report # XXXX, which has been reported by Professional Finance Company ( PFC USA ). The original creditor for this account is a medical provider, XXXX XXXX XXXX ( XXXX ), and the account is related to medical services rendered.

I am disputing this debt for the multiple reasons Lack of Communication : I havent received any written communication either from Original creditor XXXX and collection company Professional Finance Company ( PFC ) regarding accounts being transferred or sent for collection. 

Lack of Validation : I have not received adequate validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am formally requesting the validation of this debt, including detailed information about the nature and origin of the debt, proof of any signed agreement, quality of services commencement as authorized by the doctor, and completion of individual services duly signed by me or my spouse. 

Billing and Services Error : There were multiple quality issues with the services provided by XXXX, specially for years XXXX and XXXX and for the same we have communicated multiple times to XXXX regarding completion and quality of services. 
During most of the weeks not full 10 hrs of approved services were provided. 
There were many sessions which did not commence as per prescribed weekly approved services. 
Last minute service cancellation without any backups. 
No signature post individual service commencement from parents to confirm and validation. 
Due to lack of quality services my son has faced immense challenges with frequent schedule changes, XXXX XXXX, elevation in behavior and retrogression. After no action taken for many months we had finally cancelled XXXX services in XX/XX/XXXX. 

I requested PFC-USA and XXXX to investigate this matter promptly and provide with a written response within 30 days of receiving this letter. I would like to request confirmation of individual services that include my ( or my spouse ) signature. If you are unable to validate service, this debt or if you find any errors, I request that you cease reporting this account to the credit reporting agencies and remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: VA
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:
On around XX/XX/XXXX, I sent a request to Equifax requesting them to verify the accuracy of the following accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ( REMOVED ) XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon the completion of the verification in XX/XX/XXXX, I reviewed my consumer report and still found the same inaccuracies of the above listed items. Equifax claimed they verified all accounts to be accurate through making phone calls to these creditors for verification purposes. I was not satisfied with this investigation. 

Equifax stated the accounts were properly investigated and verified, but how is it possible that there are still inaccuracies such as Date Opened, Date Last Active and Date Last Reported, no Payment History, and inaccurate comments. This is grounds for removal and they also violated my rights under the follow statute : 15 U.S.C. 1681 sec 602 A - States that I have a right to privacy. 15 U.S.C. and Section 604 A Section 2. 

Around XX/XX/XXXX a " XXXX Dispute Letter '' was sent to Equifax via XXXX mail to follow up on the XX/XX/XXXX investigate they completed, exercising my rights under the Fair Credit Reporting Act, Section 609, to request information regarding an item ( s ) that is listed on my consumer credit report. Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Failure to produce these documents requires Equifax to delete the item from my consumer report. 

On XX/XX/XXXX, Equifax cited that through previous investigations these accounts have been verified, however they failed to respond to my XXXX Dispute Letter, failing to produce the original contract ( s ) containing my signature therefore must remove these items from my consumer report. Further more, all accounts listed are still inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5000.00} XXXX XXXXXXXX XXXX Balance Owed : {$11000.00}

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 2021-09-07
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with chase last Friday night. Obviously I knew there was a long holiday weekend. I did notice a hold on a measly XXXX check I deposited from one of my other checking accounts from XXXX. Explanation from the company was the hold was due to not being able to get the money from XXXX quickly enough. Which is odd to both XXXX and myself- as they pulled it and said there is zero problems on their end and they chase is lying. Chase says now that I cant even access the money until XX/XX/XXXX. Thats twelve days after the deposit- I dont care that weekends and a holiday were included thats NOT what you advertise when you speak about mobile deposits. I also was told by the app itself that you were going to deposit money into XXXX and pull it and that I had to verify it. Funny you can place holds ASAP on a check but cant deposit the small amounts you said you were going to so that I could verify that bank. Also this card company has NO issue with either of my other two checking accounts XXXX  or XXXX  when it comes to paying their credit card I have with them. Then they dont have an issue with those other banks. So when theyre getting paid from these banks they dont verify anything but I was told IN their secure message center on the app from some cs guy yesterday that I need to call loss prevention about fraud. Is this bank for real? Why should I even direct deposit or deposit anything else when they are lying and another bank said they were. If they dont get this fixed - they can close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello Transunion. Legally you had 30days to complete an investigation. My first letter about my disputes was originally sent on XX/XX/2021. 50 days ago. It contained a notarized letter to verify who I am as well as a driver license and banks statement proof of address. After not getting a response on XX/XX/2021 I send another letter following up on the investigation. Still nothing So I do a cfpb complaint on XX/XX/2021 because this taking to long to not hear nothing. Not until XX/XX/2021 you vaguely say my letter includes disputes and you will enter It into the system and within 30 days close it out 43days later a response saying got it. This is illegal according to the FCRA. I understand covid made things tougher for everyone but this is clear abuse or neglect.

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 2022-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Upon opening my Bank Of America Online Portal to view my only account with BofA ( a credit card ) I realized there is other accounts a Checking XXXX and Savings XXXX that were fraudulently opened without my authorization or permission. I've attempted to call and ran into excessive, burdonsome, hold times of an hour without resolution. I was transferred to other departments where my call was dropped. I attempted to email Bank Of America as well but never received a response. I am aware that XXXX XXXX opened accounts in customers names without permission and think this could be that same situation with Bank Of America given their lack of interest in helping me. I also noticed a fraudulent email and phone number associated with these accounts that is not mine.

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 2020-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened my first credit card account on XXXX as an international  XX/XX/XXXX. I just realized they charged me {$39.00} annual fee for 6 years, for a {$0.00} annual fee credit card. I search online about BOA cash reward or BOA cash reward student DO NOT have annual fee. There is no valid reason for charging me {$39.00} per year for 6 years! If I did not notice this, I guess I'll still be charged the non-existing annual fee. My other friends do not have this problem. 

I noticed I have a {$39.00} annual fee charged on XX/XX/XXXX and I already called BOA on XX/XX/XXXX to waive the fee. What about my previous annual fees? I need my refund for the non-existing fee charged on me. This does not make any sense. BOA " upgraded '' me to BOA cash reward Visa Platinum Plus, not sure what's the difference and seems no extra benefit but at least waive my annual fee!?

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 2023-11-05
Company: Chime Financial Inc
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/, I received an email notification from Chime Bank that I had opened a new checking account, when I did no such thing. 

I calling Chime, I had to provide personal identifiers before anyone would disclose details about this fraudulent account. Chime advised me that I had to file a Complaint with the FTC to report my ID theft first, then they would release info. I provided them with this, yet they still have not provided me with any account opening documents, or anything else related to how this account was opened. 

Finally, I have also found out that there is likely an additional, fraudulent bank account Chime opened in my name, after I had already disclosed that the false account was opened. I again am asking Chime to close this account, and lock its service from opening new accounts, however I am weary that this institution is unreliable and will continue to allow fraudulent accounts to be opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Ingo Money, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
THEY WILL NOT LET ME CASH ANY OF MY CHECKS SOMEONE HACKED MY OLD BANK ACCOUNT AND TRIED TO CASH SOMETHING FAKE AND NOW ITS MY FAULT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Researching the Cornavirus Cares Act it includes late payments not being reported on a persons credit report I am asking for help to clear the late payments included in the attached letter. 
during XXXX & XXXX corona virus pandemic I have been with Capital One for many years and until i suffered hardship during the corona time i was perfect customer and AFTER the pandemic setback i brought my accounts current and have been ontime ever since Please enclosed in the letter is request for relief of Goodwill on my late payments to be removed from my credit reports due to the Cornavirus Cares Act Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXXXX Original Balance {$3200.00} current balance over {$4000.00} IQ Data International, XXXX Credit reporting. 
I have contacted and disputed this inaccuracy on my credit report with XXXX and the creditor numerous times. Asking that this debt be verified. After dispute is completed I am receiving a credit report with no verification stating that the debt has been validated. I have received nasty calls from the creditor. I have tried to resole with creditor and also have requested the information that was purchased by them bearing my signature of the debt. I have explained the debt does not belong to me and to have this removed from my report I have made several goodwill 's to the creditor in an attempt to clear up the debt with both XXXX and the collection agency, still no verification of this debt has been provided. This inaccuracy represents a very serious error on my credit report with XXXX. My rights have been violated. Furthermore, interest is being added. This is also documentation that I requested from the creditor, why is the debt increasing. No one has provided me ay documents that I haver requested showing any proof of the debt bearing my signature as well as the debt adding interest. Four years this has been hindering me. I need this debt to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
I have submitted several disputes with Experian and it seems as if they are not conducting an actual investigation/research as they always send a general response by email stating updates have been made ; however, these updates are incorrect & on many I dont see the updates that took place when comparing the account before the dispute & after it was completed. One this specific dispute, I included a document from the collection agency stating they decided to close the account and that they will have it removed from the credit reporting agencies. I submitted the dispute directly once I identified it was still reporting and once again Experian sent a general response stating the account was updated and the item was not deleted. I called customer service and spoke with XXXX who confirmed the dispute letter along with the document from the collection agency was received. He stated an investigation did in fact take place but it was verified it was correct. I am not understating how it can be correct and not deleted even when supporting documentation is provided. Based on this dispute and others I have submitted, it is clear that there is no actual research being done which causes a negative impact to consumers daily. I am submitting this complaint as Experian needs to be investigated and audited to ensure this does not continue to happen. It is very concerning especially when there is supporting documentation provided and the results are still the same.

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