BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: AZ
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:
Out of no where I see a Collection on my credit report for XXXX XXXX XXXX in the amount of {$270.00} dollars. It shows that the orginal creditor as XXXX XXXX whom I have never done business with. I have sent at least 3 letters to all the credit agencies with no resolution.

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 2022-05-03
Company: FirstPoint Collection Resources
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by First point Collection regarding a matter they wouldn't say all though I told them I was XXXX XXXX and they called me. If this has anything to do with my credit I have the right to know since I did not do any business with this business. The agent was very rude even tho I expressed concern regarding this matter. I do not honor anything they have in there office because this is fraud and if my social is involved it will cause me harm that I do not accept. does this company have my wet signature I believe not since I have no dealings with this company. all right reserved XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of identity theft. And I also have a alert on my credit report to contact me when applying for credit to make sure it's me. And I have contacted the berues to ask why I'm never called and they said they do not have to call so what's the point of having it. I have no knowledge of none of these inquiries on my report with TransUnion I have wrote in and ask them to be removed and never heard back from them. I would like for all these to be removed immediately thank you. They are Fraudulent each and every one

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
on XX/XX/2022 and again on XX/XX/2022 I sent letters regarding inaccurate or unknown information on my credit reports to this day over XXXX days plus later I have not received response yet. I at this point feel I am being taken advantage of and ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Since being it is well over XXXX days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. my information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised as well.

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 2023-04-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was unable to open an account at 2 banks in Maryland ( XXXX XXXX XXXX and XXXX XXXX ) because of something on my Chex systems report. My name is XXXX XXXX and NOT XXXX XXXX, XXXX XXXX is my husband, this login is under me, I just checked so not sure why my complaint is being attached to the wrong name. Anyway, my Chexsystems report contains NO REPORTED information, so it is unclear how the bank says Chexsystems is putting a block to me opening a new account.

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 2022-08-26
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was denied credit due to collection account in Equifax credit report. I do not have any collections in my report. And I disputed four accounts for balances incorrect, the disputes report balances were adjusted but the credit report has not changed. And my credit score is XXXX points different from other Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NY
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 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 explanation
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX under Americans with Disabilities Act ( ADA ) and Bank of America is discriminating against me by failing and refusing to make reasonable communications accommodations to ensure I can resolve this account. This is a letter of concern about misapplied payments regarding my Bank of America credit cards ending in XXXX, XXXX, and XXXX. On XX/XX/2022, a Bank of America representative named XXXX confirmed that the approximately {$4200.00} payment dated on or around XX/XX/2022 will be released and apportioned and applied to my three credit cards ending in XXXX, XXXX, and XXXX. However, when I phoned in to Bank of America on or around XX/XX/XXXX, and today XX/XX/2022, the representatives didn't seem to be able to locate this payment, and instead I got bounced around from department to department for about an hour each time to no avail when my call eventually got disconnected. This pattern leads me to wonder if Bank of America is purposely trying to default me and damage my payment history by misapplying my payments and making the payment process very difficult. The letter dated XX/XX/2022 which I received today stated an offer to " help '' me " lower the Annual Percentage Rate ( APRs ) '' and to discuss " long-term payment solutions '', yet I get the runaround and denied when I try to call to discuss these much needed plans as an alternative to bankruptcy which they seem to be forcing me into. Bank of America used to offer forbearance programs that push off payments for several months due to COVID-19 and we customers are still suffering unprecedented economic hardship eligible for relief.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recently i did a investigation of my credit report, which caused severe XXXX on me, i found unveriable, inaccurate, invalidated and questionable items that your agency didnt make sure it was reporting 100 % accurate. In accordance with Fair Credit Reporting Act, everything must be correct and under 15 US Code 1681i { 5 } these accounts are in violation of not reporting 100 % accurate. The credit reporting agency says that these accounts were properly investigated abd came back as verified. However how is this true when there are several inaccuraties ahowing on my report? As a consumer, i request to know all the steps your agency took to ensure these items were correct under Code 15 US 1681i { 7 } Method of verification- Description of reinvestigation procedure.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My XXXX auto loan reported a late payment and i asked that i receive validation that payment was late

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 2022-09-06
Company: Experian Information Solutions 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$1300.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX BANK XXXX XXXX Opened XX/XX/XXXX Balance {$640.00}, XXXX XXXX  Inquiry Date XX/XX/XXXX 2020

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
On XXXX XXXX someone applied for a XXXX account in my name i reached out to transunion about getting it deleted because it was fraudulent, I was told to reach out to XXXX and XXXX to me to reach back out to transunion

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 2021-09-14
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had identify theft in XX/XX/2021. I have frozen my credit 2 years ago with all three credit bureaus, but wanted to check my credit reports due to the identity theft. I had no trouble with XXXX or XXXX, but Experian is a disaster. I have literally combed their entire website, and tried about 8 different phone numbers I found for them and tried every menu path on the phone systems. There is literally no way to speak to a person to get me logged back in, or even ask for help about the identity theft. I emailed them but they are no help. I just need someone to give me a number where I can actually talk to a person, actually, no, I don't want a number ever again, I want them to call me because every time I'm given a number, it goes to the black hole menu systems on their phones. So, I just need them to reach out to me because when I put in my birthdate and SSN to login on their website, it says the two don't match, but I know I have the right date and SSN. Have tried many times. PLEASE HELP AS I AM CONCERNED SOMEONE HAS TAKEN OVER MY EXPERIAN ACCOUNT AND EXPERIAN IS NOT HELPING RESOLVE THIS TIMELY SO I CAN STOP IDENTITY THEFT!

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 2023-04-05
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Receivable Performance is reporting on my credit report along with XXXX for the same debt. XXXX was paid. I called and asked them to remove it from m credit report because it shouldnt have been on there in the first place but they refuse to remove it. There were multiple attempts to resolve this with the company but they refuse to do anything about the situation.

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 2018-12-06
Company: JPMORGAN CHASE & CO.
State: NC
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 authorized approximately {$160000.00} in charges using my chase XXXX credit card. The company billed for additional {$34000.00} with neither my permission or authorization at a late date. I reported this fraudulent charge to the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
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:
1. XXXX XXXX, HEY THIS ACCOUNT ( XXXX XXXX ) HAS BEEN ON MY CREDIT REPORT MORE THEN 7 YEARS AN THE OPEN DATE REPORTED IS INCORECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am respectfully requesting for Transunion, XXXX and XXXX  to add this positives accounts so my credit scores can improve over 600 's as my credit scores are suffering. 

1.XXXX  XXXX XXXX account # XXXX balance under $ XXXX.This is not a credit card or home loan, is a water softener purchase in 2015. 
in XXXX, Texas. 

2.XXXX XXXX account XXXX XXXX on purchase of a Laptop, this is not a credit card account. Balance is around {$640.00} as of XXXX 3.XXXX XXXX XXXX  Visa credit card account XXXX XXXX, balance as of XXXX is {$440.00} Please add this accounts immediately. 

Thank you for my accommondations of my XXXX XXXX Act under Department of Justice.I am respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran. 
Urgent Matters!

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 2021-11-19
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter from Credit Collection Services wriiten XX/XX/2021. collect a debt for XXXX for XXXX XXXX. I called they stated its an account that was suspended in colorado during the summer of 2021. I live in Illinois. Haven't had an active account with XXXX for like 10 years. I called XXXX my account is paid in full and i have no outstanding debt. never have had any and never reported to any collections including their own.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX XXXX contacted me with an adverse alert on my credit report. I receive free daily checks due to XXXX breach of my email address & social security number. A debt collection in the amount of {$260.00} from Sunrise Credit services was posted on my credit report at all three credit agencies. I phoned XXXX who advised me to phone Sunrise. On XX/XX/XXXX I phoned Sunrise, spoke to " XXXX '' and asked what specifically the collection was for? I was told it was from XXXX XXXX XXXX mobile. I told them I have NO ACCOUNT with XXXX XXXX XXXX  and do not live in Kentucky, the fraudulent address Sunrise added to my credit history. I was told I had to dispute it in writing and so I requested the forms. I was told they would be mailed to me within 5-7 days. It is now XX/XX/XXXX ; I have nothing from Sunrise. I filed a dispute with XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX removed the false debt collection & false address from my credit history. XXXX has not. So I have filed an Identity Theft Report with the Federal Trade Commission FTC Report # XXXX on XX/XX/XXXX disputing the Sunrise Credit services collection for XXXX XXXX XXXX XXXX fraudulent charges placed on my credit history report. I am XXXX XXXX XXXX, and have NEVER HAD A LATE PAYMENT, and no collections. All my bills are on autopayment, to prevent any late payments. I receive daily phone calls pestering me to obtain credit cards, even though I have placed a identity theft permanent freeze on my credit report history. I believe all this to be directly responsible to Sunrise Credit services fraudulent posting on my credit history. Why was I not contacted by XXXX XXXX XXXX XXXX  with a bill for the fraudulent account so this could have been discovered long ago? Why did Sunrise Credit Services not contact me regarding a collection notice before this ended up on my credit report. I receive daily emails from the three credit bureau agencies, regarding this, which I find stressful. I did nothing wrong, yet I am being harassed, lectured about paying for bills and services I contracted with ( with I did not! ), and told they do not believe the FTC identity theft report I filed was accurate, because I did not send them a copy of my drivers license and bank account information. This is very frustrating. If it doesn't get solved soon, I will need to hire an attorney to sue Sunrise Credit services and XXXX for the stress caused 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 2021-04-06
Company: Automated Accounts Management Services
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. I sent a letter to AAMS XXXX and I have yet to hear back about in regards to the status of that letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation