BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: EQUIFAX, 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:
I wrote a letter some time ago to Equifax regarding false information on the credit report. This blatant disregard for not caring if they are in compliance is ruining my life. I have been asked about these items in 2 while in the process of 2 different job interviews! According to FCRA 605B these items should be blocked after 4 days of receiving the complaint. It's been well over that mark and this needs to be solved immediately. They are breaking the law and violating my rights as a consumer. Section 611 says, refusal to investigate these items within 30 days is cause for immediate removal. I demand these items be removed immediately. 

XXXX XXXX XXXX XXXXXXXX Unauthorized inquiry Direct VIOLATION FCRA 605B, DELETE NOW XXXX XXXX XXXX XXXX Unauthorized inquiry Direct VIOLATION FCRA 605B, DELETE NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: JPMORGAN CHASE & CO.
State: RI
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 was given an involuntary, unwanted upgrade on a rental car, resulting in a surprise, unauthorized additional charge on my credit card. Chase Bank says that because I received the service of the upgrade, even if it was involuntary and with no notice of approval of any additional charge, I am prohibited from disputing the charge. Moreover, the merchant effected fraud by purporting to show a document with my signature ; in fact, I made my signature on an electronic device that did not display the terms of the document the merchant produced. Chase likewise prohibits me from disputing the transaction upon this fraudulent representation of approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
My bank account at US bank never shows my accurate account amount. Number ours employees have informed me that it is an ongoing issue. The previous two weeks leading up to my account being in the negative I had charged from places I did not go charged to my account, then disappear and come back again. It then got to a point that my balance was changing with money showing up XXXX at a time and again disappearing l, every time nothing would show as to why this was happening to my account, meaning towers the end I had no idea why my account was going up and down on the amount of money. Multiple calls to us bank and not one person could tell me why, in fact, they couldnt see anything I was seeing on my end. This is alarming considering everything should be seen by the bank. I was given no explication at all. Then a little less then three weeks ago, I went to enjoy my night off, I go to get money out of my account and the ATM refuses, it states to call the bank, so I end up leaving and calling, where some more unprofessional and ridiculous things happen. A fraud alert was placed on my account, they said it was fixed so I left my home drive back down in attempt to salavage my night out but it doesnt work and does the same thing again. I call back and have to deal with it again, about forty minutes later, I was able to do one transaction to get my money but my account. I then see my email has us bank stating that I called to make sure I could use my card outside of the country. I did not ask that. I find it really funny that my account was so messed up and I got zero actual help but now that they feel I owe them money, which isnt true, I should be about XXXX positive. They decide to call me and act like they know what they are talking about. I have gotten no help, I have spoken to nobody who knew what they were doing, I have been told the system is messed up, ignored when telling telling them they owe me money and more insulting is the fact they are calling me over and over trying to get me to pay a balance I shouldnt have. Ive wasted hours of time trying to get help from them and my hours at work, working 6 to 7 days a week, doesnt allow me to go in and I am not going to miss work and lose more money because this bank has messed up. They need to fix this, figure it out and give me my money back, not me give them money

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 2020-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion 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 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: NY
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'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 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 2023-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorised to get products, services, or money. Please remove the following items. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please examine the documents I've included. I'm requesting that the bureau launches an investigation into these accounts, as I have never been late in my payments, yet they are reporting me as such. It's unjust, given the effort I've put into ensuring I pay these accounts on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Maximus Education, LLC dba Aidvantage
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: Account status incorrect

Complaint:
This is XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Account # : XXXX ). I am requesting that you submit an URGENT/EXPEDITED request to the appropriate parties ( XXXX, Credit reporting agencies, etc. ) asking that the duplicate amount of $ XXXX listed for XXXX  be deleted off of my credit report ( this should have been completed when XXXX became my new loan servicer in XX/XX/XXXX ). My total debt owed lists over {$220000.00} because of this error in XXXX reporting of debt ( one line for XXXX, $ XXXX and one line for XXXX, $ XXXX ). Please correct this error as soon as possible on my XXXX and XXXX credit reports, as I am quite frustrated with this situation. I am trying to apply for a car loan ( as my car is currently totalled due to water leaks ) but I am being denied by lenders/financers due to my current ( inaccurate ) amount of total debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery threatened me numerous of times about a credit card debt they took me to court and the judge ordered me to pay them it was for XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: MA
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 XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date they have not responded. 

The Following Account Is Not Mine COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Please remove it from my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the XXXX ( XXXX Opened : XX/XX/XXXX, Balance : {$3000.00} ) account. I am unsure of the accuracy of the Balance of {$3000.00} that you report for this account, because I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed so that it won't have any further negative impact on my credit score. Additionally, I request from you to verify the Date Opened, Date of Status, and First Reported for this account. 
The following account was never late XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$1600.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Premier Student Loan Center
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
PREMIER STUDENT LOANS CENTER ABOUT TWO YEARS AGO SAID THEY PAID OFF MY LOANS I HAVE NOT HEARD FROM XXXX XXXX  UNTIL THIS MONTH AND THEY SAY I HAVE A PASS DUE PAYMENT WHY HAS THIS HAPPENED AND WHERE DO I GO NEXT ... I PAID FOR THEIR SERVICE TO HAVE THIS TAKEN CARE OF I AM XXXX AND ONLY GET {$900.00} A MONTH NO WAY I CAN AFFORD STUDENT LOAN PAYMENTS MY DR EVEN SENT THEM PAPER WORK TO GET THIS TAKEN CARE OF PLEASE LET ME KNOW WHAT IA NEED TO DO NEXT ... I AM SO CONFUSED

Company response to consumer: Untimely response
Consumer complaint received 2020-03-21
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:
Remove the hard inquiry from my account from XXXX XXXX. I have never shared my SSN details to XXXXXXXX XXXX in any way. 

Also please freeze my credit details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and TransUnion, XXXX, & XXXX are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account 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 2018-03-24
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: Account information incorrect

Complaint:
XXXX XXXX XXXX ( XXXX ) - I contacted XXXX XXXX  XXXX on XX/XX/XXXX to discuss a possible settlement offer on the outstanding balance of {$2200.00}. After several conversations during the day we arrived at a settlement of {$1200.00} payable at the time of the conversation. The account rep took my credit card payment over the phone as well as mailed a letter stating the account was paid in full. XXXX proceeded to report the payment to the credit bureaus but failed to report the account was paid in full and no further payment is due as a result of a settlement. 

Once I reviewed my credit report and noticed the information was incorrect I disputed the balance due with the credit bureaus on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX ) as XXXX  continued to provide incorrect information. As it stands today Equifax shows an amount due of {$1000.00} and XXXX  shows an amount due of {$2200.00}, although both credit reporting agencies were provided with the attached documentation advising the matter in collections was resolved via a settlement on XX/XX/XXXX. 

I am requesting your assistance with getting this matter resolved to reflect the correct information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: W&A Intermediate Co., LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to advocate XXXX XXXX in XXXX Illinois over 3 years ago I had XXXX XXXX and gave them my card they billed my XXXX XXXX XXXX but now 3 years later I'm getting a collection I've contacted XXXX and when I did they wouldn't give me any info on who the collection was for just acted strange and wouldn't give me any details just kept repeating for me to pay it, I asked for everything in writing and the lady deliberately hung up so I did some research called XXXX Illinois they are the one who supposedly doing the collection but when I called them they had no idea about my record and told me to call hospital I went to I seen on bbb site they had a lot of fraudulent remarks of doing same to others but I know after contacting my XXXX it was paid so I feel this is all fraudulent and nobody will mail me anything or professionally talk to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 sent the credit bureau letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report still shows inaccuracies. 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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IN RESPONSE TO CFPB XXXX THE REFERENCED ITEM STILL REMAINS ON MY CREDIT FILE. PLEASE HAVE IT REMOVED TODAYS XXXX XXXX L XXXX DOB XX/XX/1976 XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT MEDICAL DATA SYSTEMS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MEDICAL DATA SYSTEMS INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX L XXXX DOB XX/XX/1976 SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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