BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Why an accident I provided the employer the wrong account and tracking information when I noticed the issue I tried to correct it with the bank the bank said its been too long its nothing that they can do basically theyre trying to keep my money which is {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: FL
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$90.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I ASK THAT THE ITEM BE DELETED TO CORRECT MY CREDIT REPORT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2019-04-26
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:
On Transunion, XXXX and XXXX credit reports of XXXX XXXX, and recent credit report of XXXX XXXX XXXX acccount # XXXX derogatory remarks hasn't been removed. 
XXXX is reporting that XX/XX/XXXX, XX/XX/XXXX and other months of XXXX and XXXX Derogatory remarks of XXXX days still on credit reports. 
As Transunion, XXXX and XXXX are stating that it has been removed. 

My XXXX XXXX checking account ending in # XXXX evidence shows that XX/XX/XXXX, XX/XX/XXXX was paid timely as all payments was made by phone calls to XXXX.Please review XXXX XXXX statement. 
Also, XXXX XXXX tradeline account # XXXX hasn't been added to Transunion and XXXX I sent a email to creditor Legal Counsel XXXX XXXX XXXX XXXX XXXX fax. XXXX email : XXXX XXXX XXXX XXXX # XXXX balance is not {$240.00} is at {$170.00} as of XXXX XXXX and a payment of {$150.00} was scheduled on XXXX XXXX with my XXXX XXXX XXXX checking account ending # XXXX to be paid on 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Despite my previous 5 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 5 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.

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 2021-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/20, I was notified by CFPB that Bank of America had sent its response regarding my complaint directly to me, but I never received any response. CFPB also advised I could contact Bank of America at ( XXXX ) XXXX XXXX. I have called that number dozens of times and it ALWAYS goes to voice mail. I have left dozens of messages and no one has EVER called me back. So Bank of America NEVER actually responded to my original issue. They just told CFPB they sent me a response they never sent and gave a phone number no one answers! How does that qualify as a response?

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I ASK THAT THE ITEM BE DELETED TO CORRECT MY CREDIT REPORT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2021-04-18
Company: Experian Information Solutions 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 status incorrect

Complaint:
In accordance to 15 usc 1692 cc2 I have invoked my creditor status and notified experian, XXXX, XXXX, and XXXX that I am creditor over all accounts in the name of XXXX XXXX are to be replaced as paid as agreed never late for all negative accounts. 15 usc 1681b permissible purposes the reporting agency must place or remove what ever the consumer request and has not changed the creditor score to that of a creditor as requested nor has the master or full file requested been received. 28 usc 3304 prevents the transferring of a debt after creation and once sold the debt is no longer to a third party without a contract. So all debt collectors are fraud without contract with consumer.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to express my deep frustration and disappointment regarding the negative items that have been reported on my credit report. I believe that some of the information on my report is inaccurate and unfair, which has had a devastating impact on my financial life. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I have noticed that the following personal information is incorrect : Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also noticed that there is incorrect information on the following account : XXXX XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that all erroneous and misleading information be removed from my credit report. I have suffered immense financial harm as a result of these inaccuracies, and I demand immediate action to rectify the situation. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTACT ), I have the right to request a free copy of my credit report once every 12 months. I expect that this request will be fulfilled promptly and without delay.

Additionally, under the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ), I have the right to be treated fairly and with respect. The current inaccuracies on my credit report demonstrate a clear violation of these rights, and I demand swift action to rectify the situation.

I am emotionally devastated by the impact that these inaccuracies have had on my financial life. It is my sincere hope that you will take this matter seriously and take immediate action to rectify the situation. I am committed to improving my credit score and would greatly appreciate your assistance in this matter.

Thank you for your attention to this matter. 

Sincerely, 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 2022-07-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered an agreement last year with portfolio. The amount paid ach month is {$32.00}. I recently made my payment on XX/XX/XXXX in the amount of {$32.00}. The balance at this time should be {$2700.00}. The amount of {$32.00} paid and taken amount of my bank account was not credited to the account. The balance is still showing the amount of {$2700.00}. Where is the amount that I paid of {$32.00}??? I contacted the customer support line and was told that I made 12 payments but no reference to the amount of {$32.00}. TH rep then proceeded to cancel my agreement. I did not ask for the agreement to b canceled. I want to know where did that money go and why was it not credited to my account. This is extremely frustrating and disturbing. This is causing me extreme stress since I have been paying this debt collector in good faith and now this. I have had numerous issues before with this company. Please help me. 

Status : No pending payment or plan Your payment plan for this account was cancelled on XX/XX/XXXX Account Number : XXXX Account Balance : {$2700.00} Seller : XXXX XXXX  Merchant : XXXX XXXX XXXX Whom Debt is Owed : XXXX XXXX XXXX XXXX XXXX  Acquired On : XX/XX/XXXX Original Creditor : XXXX XXXX Account Open Date : XX/XX/XXXX Last Payment : {$32.00} on XX/XX/XXXX Original Account Number : **** Charge-Off Creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has asked that I pay a debt for { {$140.00} } & { {$540.00} } from some healthcare centers in CA that I have never heard of! Upon repeated requests for such they can't show that I owe the debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, CMRE keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. Here are the erroneous accounts you have listed. Please delete the following : Accounts # XXXX & XXXX, ( < -- - YOU ARE ALSO DOUBLE REPORTING THE SAME ACCOUNTS TO MY CREDIT REPORTS NOT ONLY ONCE BUT TWICE!!! ) { {$540.00} } AND Accounts # # XXXX & XXXX { {$140.00} } Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. I appreciate your time and attention to this matter. Sincerely, XXXX. XXXX This companies reporting the same debt twice on my XXXX & XXXX credit reports, ( XXXX deleted them due to XXXX   noticing the ILLEGALITY of their reporting and made me aware of the activity and advised me to check my other credit reports! ). They are for the same incident and the exact same dollar amount and date. I have called this company and they can not locate me by social in their system to tell me the details of this alleged debt and so therefore I am disputing the accuracy of it. 
I have filed a lawsuit for total damages of {$18000.00} as well as filed a complaint with The XXXX   and The CA State Attorney General 's Office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Re : Dispute of Auto Loan Account, XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the information reported on my credit report regarding the auto loan account with the account number XXXX. I believe that this account has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681.

Though the auto loan has been paid off, it shows 2 late payments that I was never aware of. It wasn't in my hands once the auto company took responsibility to pay off the rest of the debt owed. This account was reported on my credit report without my full consent to begin with. Which is a violation of my rights as a consumer.

I understand that under the FCRA, you are required to investigate and respond to my dispute within 30 days of receiving this letter. I also have filed a complaint with the Consumer Financial Protection Bureau. Please notify me in writing of the results of your investigation, and when the information is found to be inaccurate, please remove it from my credit report completely. 

I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. 


Thank you for your cooperation in resolving this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Information belongs to someone else

Complaint:
This is my OTHER attempt to inform CREDIT BUREAUS that I am a victim of identity theft and to file a complaint regarding specific records in my document as a result of their malfeasance. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I made or approved. Assuming no one cares, block the mention of any information in my credit report that arose as a result of alleged fraud. Section 605b of the FCRA requires CREDIT BUREAUS to delete any ITEMS or information discovered to have been opened as a result of identity theft. 
XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GAXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX Balance : {$8200.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX 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 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 2018-08-14
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
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 was is not my account, yet it keeps showing up on my credit as as delinquent account. Now it show as a charge off. Below are the dates and amounts from : Credit Acceptance XX/XX/XXXX {$2600.00} XXXX charge off XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$860.00} XX/XX/XXXX {$660.00} XX/XX/XXXX {$540.00}

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 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
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 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 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 explanation