BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 EXPERIAN BUSINESS CRED 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 2023-01-17
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally Bank regularly blocks my access to my account. I have complained to the Bank several times, most recently on XXXX XX/XX/2023, but the problems continue.

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 2022-10-01
Company: EQUIFAX, INC.
State: OH
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 states they never purchased my vehicle contract and has been reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: IL
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 appreciate your taking the time to DELETE some of the erroneous inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is my second dispute with the Credit Bureaus, the inquiries were taken off That Fraudsters applied for but the Account from XXXX XXXX  now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during XXXX 's Data Breach. 
Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for XXXX XXXX  with a Balance of {$7800.00}. 

I have never opened Nor Used XXXX XXXX  and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in North Carolina all my life.

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 2022-10-01
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:
I have Dispute at the brake pedal reporting on my credit numerous times for this amount and it has been affecting my credit for over four years now and this account has been discharged and canceled through the student loon loan forgiveness program as well as was already in for it was not never defaulted on and it was in forbearance and it was done on an income driven repayment plan and come to find out that this was a predatory lender and I have been forgiven of the student has been canceled since XXXX  acre still reporting an on my credit report and it has been negatively affecting my life

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 2023-05-08
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Trying to make weekly transfer to my daughter and my account was disabled to transfer. I should have known, the moment my account was flagged and disabled. The ridiculous thing, they make you go through hoop and continue to ask questions. It wasn't until 3 calls later that a supervisor explained that my account was disabled due to a change of carrier of my phone number. Needed to make the transfer for my daughter that needs her allowance away from home. There was refusal to give me additional information, even how to escalate, or complain within the bank. Spoke 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 2023-01-17
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
accordance with the Fair credit report accordance with the Fair credit report account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights according to XXXX5 usc 1681section 602 A stats I have the rights for privacy 15 usc 1681 section 604 A section 2 it olso stats a consumer could not report without a written promotion from 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 non-monetary relief
Consumer complaint received 2022-12-06
Company: CMRE Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2022 I received a letter from CMRE stating that they were trying to collect a debt. I disputed the debt. later in XXXX I received another letter about the verification of the debt. There is no information on this document. No patient, no bill, no company. I have asked for proof this is my debt asking for a bill from the creditor and nothing has ever been provided that says this debt is legitimate and not some sort of scam. 

In addition I have no record of seeing a doctor on said date, in addition I have insurance that would have been used and even if there was an error I would have received a bill from the doctor directly which never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
There were a bunch of us who were over charged and I'm checking if I qualify. Being a wells Fargo customer

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 2022-05-20
Company: Experian Information Solutions 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 Act XXXX  Account # XXXX company name XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions.

5 USC 1666b : A Credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
I disputed a transaction that i did not approve and my credit went down

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 2022-05-20
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the alleged debt from XXXX  XXXX was sold to a 3rd party " RESURGENT ACQUISITIONS, LLC '' without my permission, and I have been contacted several times via email and text message by the 3rd party " debt collector ''. they are harrasing me and using abusive words such as " debt '' and " owe ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX between XXXX and XXXX I requested to close my XXXX account. Two weeks later my account was still open and they said I have a balance due. I pay the balance and requested my account to be closed. About Two weeks later I received a new bill. The bill stated that I owe {$60.00} when I logged in to pay the bill the bill total was {$68.00}. I paid the bill the reference number is XXXX. I asked XXXX to provide proof that my account was closed and they sent me an email That did not represent XXXX. I told them I would like to close my account and every time I wanted to close my account they added a new bill. I paid the new bill and they never close the account dragging it for two months. This has caused me a large amount of stress I even stressed to XXXX that I do not want my stuff to go to a collection agency so I would like to pay everything and close my account. I received a bill on XX/XX/2021 and on XX/XX/XXXX, my account was sold to a collection agency which is less than 30 days and I am really confused because the bill was paid. The manipulative tactics they used on me for two months as I beg them to close my bill. This Has caused me so much stress to where I cant sleep or eat I am always thinking about why my account is not closed and why wouldnt they close it even though all bills were paid and nothing was the due. Every time I requested to close my account they added a new bill. Ive been requesting to close my bill from XX/XX/2021 to XX/XX/2021. Why does it take two months to close an account upon request even though account is paid in full? I it is unfair manipulative and deceptive for XXXX Not close my account on XX/XX/2021 and drag my account for two months forcing me to pay What I dont owe In order to close it. How do you send me a final bill on XX/XX/2021 and it was sold to a debt collection agency before XX/XX/2021? Im really confused and I think this is very manipulative I am literally XXXX  because of XXXX. When I called XXXX close my account, they asked me if I would recommend this service to friends and family and I told them no and They falsely made a debt and sent it to the collection agency a few weeks later.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-05-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022, I called Chase Mortage and let them know that my payment was going to be late informed them it would be the end of the month. I made the payment late and received a 30day late on my credit report. My complaint is Chase had a COVID program available to me and I shared that I was having a difficult time with my payment, during our conversation the Chase representative NEVER shared the COVID program with me and never offered the discussion to help me with an opportunity to apply for the COVID program. Because of their lack to share this important program I have received 2 thirty-day late on my credit report. I requested Chase do an investigation and listen to the " recorded '' phone call, they found that the Chase representative DID NOT offer the program, which is what they were supposed to offer any customer that called, this was a directive to all banking institutions by the Federal Government ( I believe ). I did not find out about the COVID program until after Chase ended the program- they failed provide assistance. I asked for documentation from their investigation, and I was told that they " Chase '' could not release this information to me. Based on their findings I have asked that Chase remove the 2 thirty-day late penalties from my current credit report, and they have denied my request. This would have never happened had the Chase representative provided me with the COVID program assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Debt Recovery Solutions a certified letter on XX/XX/2020 which was received on XX/XX/2020 asking for verification of this debt, they have not responded to my request but continues to report this unverified debt on my credit report. This debt does not belong to me and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
THIS IS MY SECOND TIME DISPUTING FRAUDULENT ACCOUNTS AND UNAUTHORIZED INQUIRES. I HAVE SENT IN MY POLICE REPORTS, FTC REPORT AND IDENTIFICATION VIA MAIL CONTINUOUSLY. THESE ACCOUNTS KEEP COMING BACK VERIED AND ACCURATE WITH NO PROOF. I HAVE LOOK AT MY XXXX XXXX AND NONE OF THESE ACCOUNTS ARE LISTED. I WANT TO KNOW HOW ARE THESE FRAUDULENT ACCOUNTS ARE BEING VERIED. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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 2022-05-20
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
XXXX Innovis. This is in response to complaint number # XXXX. I am disputing an account that is identity theft. The Fair credit reporting act law subsection 605B 15 U.S code 1681c-2 states [ a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ] ( 4 ) THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION MADE BY ME THE CONSUMER. I HAVE ATTACHED THE INFORMATION NEED FROM THIS SUBSECTION, 605B 15 U.S code 1681c-2 ( 1 ) ( 2 ) ( 3 ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, 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:
These inquiries are unauthorized : XXXXXXXX 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 2023-10-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not have XXXX XXXXXXXX XXXX  on my personal account at all. This account does not belong to me. Account number XXXX. Im asking to be removed and deleted off my credit report it is not reporting accurate information.

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 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2021-11-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, I have paid the company 's balance in full including a late fee for which they did not give me access to my account or review of the transactions on said account. The company will not provide me with account statements of the charges they are stating that have incurred on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation