BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my formal complaint regarding identity theft that I experienced. According to Fair Credit Reporting Act Section 605B ( a ), credit bureaus are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) the proper proof of the consumer 's identity, ( 2 ) a copy of an identity theft report, ( 3 ) the consumer 's identification of such information, and ( 4 ) a statement from the consumer that the information is unrelated to any transactions. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian and XXXX are reporting negative accounts on my consumer report that is ruining my reputation. In accordance with the bible a good name is above all and they are ruining other companies good faith and trust in me. In orer to provide for the common adefens promote establish justice and insure domestic tranquility and secure the liverty and posterity I demand the account of XXXX XXXX XXXX  that is being reported by XXXX and Experian be removed immediately. This account was opened in XXXX of 2020 account number is XXXX and states a balance of XXXX is owed which is fraudulent.

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 2022-05-19
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/22 several checks from a JP Morgan Chase Bank were mailed from a USPS collection box outside the main branch of the XXXX, XXXX  post office. 

On XXXX I discovered taht the check was fraudulently altered and deposited into another account. I filed a police report, notified the US Postal Inspection Service, and Chase.

I placed a stop payment order on all missing checks from that mailing. 

Despite being alerted to fraud, and a stop payment order, A second fraudulently altered check was presented and honored by Chase. 

After the fact, Chase advised that they did not stop payment because the check number and check amount of the original check did not match the check presented. 

Since this time, Chase has refused to say if they will return the funds, and have said it is the responsibility of the depositing bank XXXX XXXX XXXX XXXXXXXX ) to return the funds. After two months I still have no idea if I will ever get any of my funds back. 

Chase 's use of " stop payment '' is deceptive and offers no protection, as I placed a stop payment and they honored a fraudulent check with an altered payee and amount. I find this outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello. My name is XXXX XXXX. Someone has used my information at least once to open a credit card with Bank of America. Possibly more than once. I am still trying to resolve the issue with them. This account was opened and used in my name for several years. This person continues to have my information so I would like to know what I can do to stop this in the future. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
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:
For the past four months, I have asked Experian to report accurate information appearing on my credit report. Experian is reporting three XXXX XXXX Accounts that contain inaccurate information and do not belong to me. Based on the details provided in my credit report regarding these three accounts, I am of the opinion that these are fraudulant accounts. The balances and other key details are inaccurate and inconsistent with any account that I have had with XXXX XXXX. Despite my requests, Experian has failed to comply with FCRA requirements.

I have seven different letters/credit reports from Experian containing different information and updates. Experian has refused to investigate the matter again. I have exhausted every measure and now reaching out to the CFPB for assistance.

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 2021-09-03
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports :

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 2023-05-09
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
TransUnion and XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX mortgage ( account # XXXX ) from my credit report This account is incorrect and does NOT belong to me My mortgage is with Rushmore Loan XXXX XXXX and therefore my credit report should be updated accordingly My loan number - account number with XXXX XXXX  XXXX XXXX XXXX XXXX I have been with them since XXXX of 2020 I have requested this previously with TransUnion and XXXX and they have YET to update my credit profile, this has resulted in denial of employment to me & has caused me financial stress I have been a victim of their breaches and their failure to remove the information can and will result in a lawsuit as per FCRA regulations Are they colluding since their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction??? 

This incorrect information has also caused a denial of extension of my own credit to me I disputed this account also with XXXX & they fairly and accurately looked into this matter and have deleted it from my credit report SEE ATTACHED for proof of deletion with 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 2019-06-20
Company: Experian Information Solutions Inc.
State: TN
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 A VICTIM OFIDENITY THEFT. I WAS ADVISED BY THE FTC AS TO MY RIGHTS AS AN IDENITY THEFT VICTIM. I SENT AN AFFIDAVIT. I WAS CARFUL TO INCLUDE ALL FRAUDULENT ACCOUNTS AND ADDRESS WHICH NEEDED TO BE REMOVE FROM MY ACCOUNT. I WAS INFORMED THAT THE BUREAU AFTER RECEIVING PROPER IDENITY THEFT AFFIDAVIT. IT HAD BEEN SEVERAL MONTHS AND XXXX CREDIT BUREAU SRE STILL REPORTING THESE FRAUDULENT ACCOUNTS ON MY PROFILE. THE LAW IS VERY CLEAR AS TO THE CIVIL LIABILITY AND REMEDY AVAILABLE TO ME ( SECTIION 616 AND 617 ) IF XXXX  FAILS TO COMPLY WITH THE FEDERAL LAW. XXXX  HAS FAILED TO COMPLY WITH THE FCRA LAWS AND THEY HAVE NOT BLOCKED OR REMOVED THESE FRAUDULENT ACCOUNTS WHICH WEREOPEN BY THE THEIF AND NOT ME. PLEASE CONTACT XXXX  ABOUT THEIR ILLEGAL BEHAVIOR AND HAVE THEM COMPLY WITH FEDERAL LAW AND RESPECT THE RIGHTS OF IDENTITY THEFT VICTIMS.

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 2022-04-22
Company: FirstPoint Collection Resources
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: Account information incorrect

Complaint:
First Point Collection Resources is intentionally trying to damage my credit to keep my mortgage application from going though. They are reporting 2 accounts on my XXXX credit report. They waited until I applied for a mortgage to report their collection. The loan was pre-approved, but my home is now under construction. The mentioned accounts are PAID IN FULL, via XXXX XXXX ( original creditor ) who when they took my payment recalled the debt from First Point ( I have this on a recorded call and willing to provide ). The debts in question should not even be reporting! 

First Point also violated the FDCPA on 2 occasions by contacting me after receiving my certified mail letter telling them not to. ( See attached Letter, signature receipt, and screenshots of calls ) I have legal council that will be filing lawsuit on those violaitons, however if this credit reporting issue causes me to not qualify for the mortgage, I will also seek damages up to {$250000.00} for their intentional acts. 

To further confirm my belief that First Point is intentionally trying to damage my credit, I know the credit bureaus have announced they will no longer be reporting medical collections under {$500.00} and deleting all paid collections. Knowing this fact they were trying to do damage while they could.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NV
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:
Report Number : XXXX Date Ready : XX/XX/2023 Source : Experian Above is the Experian Report Dispute number and reporting number. : this is Experian noted results : XXXX XXXX XXXXXX/XX/XXXXAccount XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated The collection company has also reported on other credit reporting agencies and they have been removed.off my report. This collection company can not provide a contract or proof of alarm service. The alarm service is reporting the service address as XXXX XXXX XXXX XXXX. XXXX XXXX NV XXXX. I have not lived at that address in over 11 years. Please ask Experian to remove this collection agency 's false and incorrect information please.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
there are multiple fraudulent accounts as a result of identity theft on my credit profile such as XXXX and multiple inquiries as listed in the attached affidavit including fraudulent addresses and names.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2021-05-29
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX I was contacted by a debt collector called ( NATIONAL CREDIT SYSTEMS XXXX. XXXX XXXX, XXXX, GA XXXX XXXX. They informed me that there is a debt on my account from my previous apartment. I asked them what the reason was and they said it was due to a ruined carpet/rug and utility bill. I offered to send them pictures and bill proof to prove that I left the apartment in good condition since the leasing office refused to do a walk through with me but they declined. I asked for an evidence of their claim and they didn't respond nor provide them. I didn't know that they had already put an adverse report on my credit history ; sometime in XXXX, XXXX, when I ran a credit report, I found the adverse report and contacted. They said they were in the process of passing the case on to a lawyer and would be heading to court. I am a foreigner and the thought of going to court for something I didn't do, is so scary ; so I asked them what I needed to do and they said to pay every dime off and that it would be out of my report. I went ahead to pay for something that I knew absolutely nothing about all in the vain of continuing to live peacefully. I ran a credit report today ( XX/XX/XXXX ) and to my surprise the two negative reports are still in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: U.S. BANCORP
State: DE
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I was charged twice for a transaction from vroom in the amt of XXXX for the downpayment on a vehicle that i purchaced. XXXX does not show the XXXX pymnt when i contact them due to me only buying one vehicle. placed in dispute with reliacard us bank in the middle of XXXX and they have been coming up with every way possible to drag the dispute out all the way until the end of XXXX. they sent a letter claiming i did not submit the requested docs over the day after they recvd the final requested documents. i have proof of all faxed docs and success of these. i have faxed proof over to them as well and have yet to hear back. i have all proof that they have been sent the requested info and yet they still claim nothing recvd and do not have anyone to speak with and cust svc agents are rude and nasty. so you hit a brick wall

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 2022-04-22
Company: EQUIFAX, INC.
State: OH
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 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got a prepaid Credit Card from First Progress Bank in XXXX I was charged a I deposited {$500.00} and was charged a {$49.00} annual fee a week was deducted from the initial deposit. Their was always an issued when it came to using the card each time I had to get authorization. My monthly payment of {$80.00} was deducted from the balanced but I still had to make a payment each month. in XXXX I was charged a {$40.00} late fee after the {$80.00} was taken from my balance if I was charged {$10.00} to pay with a debit card or send in mail which takes 2 weeks. I called in on XX/XX/2021 and ask that the account be closed and was told if I closed the account it would take up to 10 weeks from them to refund my balance. I told her to leave the account open so that I could spend the money. I was charged the {$40.00} late fee. I told account representative that I pay the {$80.00} he said it would take one say after the payment was received to restore the credit card. I the payment on XXXX XXXX. The funds were cleared my on XXXX XXXX. On XX/XX/2021 I went to used the card and it did not working. When I returned and check the mail, their was a letter from First Progress Bank letting me know th account cancelled. I called Costumer Service and to no matter who go to and file a compliant I was going have to wait 10 weeks every to get my deposit. he could not explain to me why it takes 10 weeks when I didnot have any issues with the account, no pending charges because I was unable to access the card for the pass 2 months I told him I want my money within 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: MI
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 am not able to upload the XXXX report for inquiries that are not mine. Identity theft is the cause of the inquiries reporting on XXXX credit reporting.Please remove immediately.

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 2023-10-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Charges were made to my CC in the amount of ( roughly ) {$1800.00} that I did not make. Chase stated that XXXX said the charges were authorized through XXXX XXXX but there is no record of this in my XXXX XXXX and Chase did not give me any supporting documentation of this claim, they just denied it. I spoke several times with representatives from the Fraud dept with no help whatsoever. I submitted the police report and the Federal Trade Commission report and they still denied my request for refund. I spoke with a Chase Fraud Supervisor who stated " XXXX XXXX your time is valuable, there is nothing I can do here... and then hung up without letting me speak ( there should be a recording of the phone call ).

Company response to consumer: Closed with explanation