BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: DE
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-08-31
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 HAVE BEEN A VICTIM OF MY PERSONAL INFORMATION BEING COMPROMISED THROUGH SEVERAL DATA BREACHES WITH XXXX, XXXX  AND OTHER CREDITORS WHICH HAVE LED TO UNAUTHORIZED ACCOUNTS BEING OPENED AND REPORTED ON MY CREDIT REPORT. PLEASE REMOVE THE INFORMATION THAT I HAVE PROVIDED IN THE FTC REPORT 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 2023-10-10
Company: EQUIFAX, INC.
State: FL
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 multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXXXXXX & XXXX - XXXX XXXX XXXXXXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: WI
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-12-27
Company: COAST PROFESSIONAL INC
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a call at work from this collection agency claiming to be attempting to collect a student loan debt about a month ago. I immediately told the representative not to contact me at work and that the amount alleged owed was in dispute. I further requested verification from them in writing of the alleged debt. This was about a month ago. Despite me telling them not to contact me at work they have continued to do so twice, including today ( XX/XX/2018 ) from someone who identified himself as XXXX at approximately XXXX. Central time. In addition when speaking to the receptionist at my work the representatives have given the name of the company as Coast Professional , Inc, which anyone can XXXX  and see it a debt collection agency. Perhaps the most egregious thing this agency has done was to send a letter to a general fax number stating that they were requesting employment verification for me. They included my social security number and ask about my income. This letter was left on a general fax machine where anyone could have and did see both my social security number, the agency and their request about my income. This fax was sent at XXXX. central time so the company should have reasonably known that sending a fax with that personal information likely would not have been retrieved until the next morning meaning anyone, including random office cleaning staff would have had access to my social security number. Furthermore I still have not received the verification I requested. I believe that all of these actions are in violation of federal law and was done solely to repeatedly harass me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
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:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$160.00} XXXX/XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$7400.00}

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 2023-11-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have submitted a complaint to the NY XXXX, after which I received a call from a certain XXXX XXXX, she said she would call afterwards which she didn't, then I tried to call her XXXX times and couldn't reach her. 

The biggest problem is that my account was closed and my debit card is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 an 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 2023-05-28
Company: EQUIFAX, INC.
State: VA
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. 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 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 2021-08-31
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was trying to send money to someone using Venmo and discovered that my account was frozen. From some of the reasons shown for a frozen account I thought that it was because they were not sure my bank would release funds. Therefore I transferred {$500.00} to the Venmo account and after it cleared I tried to send the money again. It said it wouldn't send because the account was frozen. After chatting online I was told that I received an email around XX/XX/2021 about the account. I no longer could access an email that old if in fact I got one. They re-sent the email stating that to unfreeze the account I would need to take a selfie of me holding my driver 's license and send it to them. This sounded fishy to me and I was not comfortable doing this. I then tried to transfer the money back into my checking account but it was refused because the account was frozen. Note that Venmo had no problem accepting the transfer to the frozen account but would not transfer it back. Their help agent said that this could only be handled by the account department who you can never talk to directly but have to work out only by email. The accounts department has not released my funds and have not contacted me but when they do I'm expecting them to send the same request that for the selfie which I will not do. 

XXXX transferred {$500.00} to Venmo from bank account XXXX chatted with Venmo customer service XXXX called Venmo customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Card was emailed and said to be delivered on XXXX XXXX it wasn't delivered and was returned to them. 
Contacted on the XXXX of XXXX asking for a replacement card. Only a generic copy and paste was given that an expedited card would be sent out ( they even forgot to delete the quotation marks ). No card was sent out at all in the end. 
Contacted again on the XXXX asking where card was. They had said no card was sent out and they would be sending an expedited card. They did not and completely cancelled the account instead. 
Called on XX/XX/XXXX and they told me my account was cancelled without my consent.

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 2021-07-20
Company: EQUIFAX, 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:
XX/XX/XXXX, XX/XX/XXXX I sent XXXX a validation request and then a follow up letter and have not received a response. On XXXX, XXXX, I sent Equifax, XXXX, and XXXX  both letters and requested removal/investigation and have yet to receive a response. 

The accounts have been re-aged on XXXX and XXXX, open dates are all conflicting on all three bureaus, Comments state dispute resolve but Ive never received a response in over 3 months. On Equifax, they are reporting a derogatory account with a last active date in XXXX but reporting on time payments in XXXX and an account status of 120 days late. This is all incomplete and inaccurate information. 

Please see all attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My credit history dropped XXXX points over XXXX payments on XXXX credit card wich I paid letter

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 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
BANK OF AMERICA WAS PAID AND CURRENT AS OF XX/XX/2021. I WAS CAUGHT UP ON ALL OF MY ACCOUNTS. WITH THE XXXX  AND XXXX  I WAS XXXX XXXX IN THE HOSPITAL FOR XXXX WEEKS. THE COMPANY KEPT ON SENDING ME PAPERWORK FROM THE ESTATE DEPT. LONG STORY SHORT, THEY WERE UNDER THE IMPRESSION I HAD DIED. THEY SAID THEY CALLED AND SAID SOMEBODY TOLD THEM I DIED. THAT IS NOT TRUE. SO WHAT THEY DECIDED TO DO IS RESET MY ACCOUNT TO SHOW IT'S 2 MONTHS PAST DUE AS OF XX/XX/2021. IT SHOULD BE 6 MONTHS PAST. THE ROLLING THE LATE CHARGES AND FEE 'S AND INTERST ALL OVER AGAIN. IHAVE TRIED TO CALL THEM AND THEY WILL NOT TALK TO ME. SO, IN ESSENCE, THEY ARE GONG TO CHARGE ME INTEREST, LATE CHARGES AND FEES TILL XXXX BEFORE I CAN SETTLE THIS ACCOUNT. THIS IS A MAJOR FDCPA VIOLATION.

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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are old reports on background screenings that still shows up when applying for employment even after providing documentation from court as evidence that there was an error made by mistake. In XX/XX/2019, I was notified by certified mail from another XXXX XXXX XXXX in regards to a criminal case that occurred sometime in XX/XX/2019, and I was one of the victims listed for identity theft and my personal information including drivers license was compromised.

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 2021-08-31
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee on a new card before I had even received the card or an initial bill. I have sent an email as they requested over a month ago and have been ignored. Have tried to call on several occasions and was on hold for over 30 minutes without a representative answering.

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 2021-08-31
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: Their investigation did not fix an error on your report

Complaint:
SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.

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 2022-12-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Purchased tickets from XXXX XXXX app on XX/XX/22 for the sum of XXXX. Concert day was originally XX/XX/22 but they canceled. I contacted XXXX XXXX  for a refund they told me it was postponed instead. Months went past with no new date so I filled a dispute with my bank. The credited me XXXX initially and then said I was at fault. They closed the account in XXXX. XXXX XXXX contacted me on XX/XX/22 saying my refund went thru TD. NEVER CONTACTED ME or stated anything. I reached out to them on the same day since then Ive been on the phone with a TD associate 13 times with them. Ive been mislead into thinking a check was gon na be sent to my address on 2 different occasions to never receive any mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-28
Company: Experian Information Solutions 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:
Please help me understand why the bureaus are still reporting accounts that are inaccurate, unproven, unverified, and definitely NON-COMPLIANT with the FCRA/FDCPA laws. It is very frustrating that this has been going on for several months and they have not given me any or enough evidence to prove that these accounts they keep posting in my report are verified and true. I have been continuously denied getting loans because of this. This should have been resolved months ago but they don't seem to care at all.

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 2023-08-04
Company: EQUIFAX, INC.
State: FL
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 the following accounts have violated my rights XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida Department of Revenue 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. I NEVER GAVE WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ALSO IM INVOKING MY RIGHT TO PRIVACY THIS IS MY LAST ATTEMPT BEFORE A CIVIL LAWSUIT WILL TAKE PLACE IMMEDIATELY BECAUSE THIS COMPANY IS KNOWINGLY VIOLATING MY RIGHTS IM OPTING OUT PLEASE REMOVE THIS IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a policy with XXXX XXXX which we paid timely every month. On the XXXX month they raised the monthly premium I paid that month and cancelled the policy and found different car insurance. They apparently, didn't cancel the policy. I found out they were charging me for a policy that I cancelled when I pulled my credit report. The credit report also shows past due amounts which is inaccurate. A collection account should never have a past due amount according to federal guidelines. It's illegal to report false information and this progressive account should be permanently removed from my credit report. They also have reported this account twice which again is inaccurate. Please assist on having these accounts permanently removed. 

We called the company a couple months ago and they refuse to do anything about it. 

Amount is {$1200.00} Amount is {$490.00} Dates reported was in XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Thank You

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation