BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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 XXXX XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
called experian about trouble getting my credit report online annualcreditreport.com. no option to speak with a live person

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 2023-09-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received three American Express gift cards in XX/XX/2023. I initially had trouble using all three of them. I would get an error message for online transactions or a " card declined '' message at stores. I spoke to customer service and received zero help. I was told to try again or try a different merchant. I was eventually able to make purchases with two of the cards, but at a certain point they all stopped working anywhere. The cards say " active '' on the American Express website. I have to tried to use them at grocery stores, XXXX XXXX, XXXX 's, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX and more and they are all declined every time. Both online and in stores. I have had the same experience with other American Express gift cards in recent years. I feel like they make the cards impossible to use in hopes that the customer will give up and they will keep the money. I have unused balances of {$25.00} ( this card never worked ), {$8.00} ( out of {$300.00} ) and {$89.00} ( out of {$100.00} ). They are all non-functional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$40.00} Needs Attention Overview You're currently using 5 % of your account 's limit. 

Balance {$40.00} Credit limit XXXX XXXX  Monthly payment {$5.00} Opened XXXX XXXX, XXXX ( 7 mos ) Payment History XXXX made XXXX XXXX of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Amount past due {$5.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Charge Account Responsibility Individual Account. 
Remarks No XXXX XXXX XX/XX/XXXX days late XXXX Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I recently received a copy of my credit report and found several accounts that were opened in my name. I believe that I may be a victim of identity theft. This account was not opened by me or opened with my knowledge or consent. I did not use this account or even know that it was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Rent Recovery Solutions
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received a copy of my credit report and found several accounts that were opened in my name. I believe that I may be a victim of identity theft. This account was not opened by me or opened with my knowledge or consent. I did not use this account or even know that it was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Ability Recovery Services, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I sent a certified letter ( tracking # XXXX to Ability Recovery Service which was received on XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. Ability Recovery Service has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Ability Recovery Service. Ability Recovery Service is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 express my extreme dissatisfaction and concern regarding the egregious mishandling of my identity theft case by Transunion, XXXX, and XXXX. It has come to my attention that, despite being a victim of identity theft, each bureau have erroneously reported fraudulent addresses on my credit report, causing significant harm to my character and financial standing. 

This blatant oversight not only demonstrates a shocking lack of attention to detail but also suggests a complete disregard for the gravity of identity theft and its aftermath. The impact of these inaccuracies extends far beyond mere inconvenience ; it has tarnished my reputation and subjected me to undue financial and emotional distress. 

I expected, at the very least, a meticulous and responsible approach to rectifying the aftermath of identity theft. Instead, your bureau 's actions have exacerbated the damage, leaving me to question the competence and integrity of your organization. 

I demand an immediate and thorough investigation into this matter, along with the prompt correction of the inaccuracies on my credit report. Additionally, I insist on a detailed explanation of the steps your bureau will take to rectify the harm caused to my character and creditworthiness. 

Failure to address this matter promptly and adequately will leave me with no choice but to explore legal avenues and escalate this issue through relevant consumer protection channels. 

I trust that you will treat this matter with the urgency and seriousness it deserves. 

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 non-monetary relief
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: MI
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 writing Experian letters since XX/XX/2020 ( 8 letters ) disputing XXXX XXXX  on my credit report. The account is not mines never was. They never sent any prove it was mines when I asked they always send same reply its verified. The question is how is it verified when XXXX  and XXXX both removed it from my credit reports saying it could not be verified but Experian keeps saying something different. I even sent them the letters from the other agencys showing they could not verify the debt and that they was removing it.

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 2020-06-16
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Ocwen Financial Corporation
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Money was sent by wire transfer We have a federal reserve confirmation number The bank says they can not find it. 
They said they will look for it. 
My wife has spent days on the phone and we are getting the run around. 
No one is calling us back. 
We think their should be an audit of this account from the time they aquired this loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received an email stating that my credit card was successfully approved and my phone number and address was updated. This credit card was not requested by me. 
The credit card is a Chase Sapphire ( {$18000.00} ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
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: Investigation took more than 30 days

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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer to any containing any of the following items of information. Any other adverse items 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 explanation
Consumer complaint received 2020-06-16
Company: Ad Astra Recovery Services Inc
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been in contact with XXXX, they advised they would settle the debt for a certain amount. When I checked my credit they sold it to a debt collector by the name of Ad Astra Recovery Service, which is reporting the incorrect amount on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: National Enterprise Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX  XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score. 

I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. 

Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. 

When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it. 
2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report. 
XXXX. Because I was activated for XXXX XXXX, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. 

NES responded and provided nothing I asked for except the copy of the promissory note. 

I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. 

So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.

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 2023-03-03
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX XXXX must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. Below is the account that need to be removed : XXXX XXXX XXXX  Balance : {$270.00}

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 2022-07-22
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am the co-signer on my daughters student loan established XX/XX/2008 and have tried multiple times to be removed as the co-signer. Every time I call XXXX they tell me she has fulfilled the requirement of 48 consecutive on time payments, then when it goes to SunTrust, now Truist, they deny her application to remove me as the co-signer. We have never seen a late fee on statements each month, so we do not understand how they can say she was late on payments. She also has the payment automatically drawn from her 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX has been listing fake accounts and inquiries on my credit report that I have never authorized. They have been listing fake credit scores ( XXXX and XXXX ) on my credit report that has caused extreme harm to my financial reputation and has caused me to lose job opportunities with some of the greatest companies in the world. The fake information that has been reported to TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX by these creditors is listed below : XXXX  - Account number XXXX, XXXX XXXX - Account number XXXX, XXXX XXXX - Account number XXXX, XXXX XXXX XXXX Inquiry date XX/XX/2023 I have requested contractual agreements from these so called creditors that bear my name saying I agreed to any terms and they have not produced and/or sent me any documentation, so how has TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX been able to verify and validate that this fake information listed on my credit report is 100 % true and authentic?

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 2020-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Approximately a week ago I discovered fraudulent funds had been put into my credit card. These were my funds I earned after an investigation. The amount neared {$500.00} and earned almost {$200.00} in interest because they kept my money illegally. The investigation began XX/XX/XXXX and ended XX/XX/XXXX when they transferred the fraudulent funds to the credit which which they closed. The fraud occurred in the checking account - NOT the credit card. I confronted them about it and they laughed at me, the manager on duty and he said its our money good luck. 

Its not their money because 90 days had passed and no decision had been rendered which means a default judgment in my favor for the funds. Further, I found cases worth thousands of dollars they they did not protect me from at all and haven been forced to literally look over every change from the last two years. 
These cases would be considered a form money laundering because they were taking massive amounts of money in and out of my checking 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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I do not recognize these credit inquiries I asked for them to be removed and the bureaus did not do what I asked. 
I am providing an identity theft report and Im requesting for them to be removed because they are inaccurate and not mines

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 2023-03-03
Company: Experian Information Solutions Inc.
State: IL
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 fair credit reporting act XXXX  account XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish a account without my written instructions.

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