BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: U.S. BANCORP
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was given a XXXX gift card from a relative, had had problems from the beginning trying to use the card. when I went to a store in XXXX it was declined, I had never used the card. called the company and there was a XXXX withdrawl to XXXX new york. I have never shopped at XXXX. I have called the credit card company 5 times and have faxed all the info they have wanted from me 4 times. Now they state after over a month that they can not read the info, the faxed cards number 's will never be seen on a fax due to the picture on it, I was asked to supply all info, receipt, my drivers license, copy of the card front and back, my address, phone, name etc. 
the credit card company is abcorp. issued by U.S. Bank National Association. 
I did not use his card. I was asked my code when I was unable to use the first time. I think am employee of the company used the card, it was used on XX/XX/2022.

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 monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: GA
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, XXXXXXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2, 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 explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: CA
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2021-08-16
Company: EQUIFAX, INC.
State: MS
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:
Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated XX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The XXXX XXXX company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX acct # XXXX, Child support XXXX XXXX acct # XXXX, online in XXXX acct # XXXX, XXXX XXXX acct # XXXX, fXXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX  60/30 day late payments 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 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 explanation
Consumer complaint received 2023-05-01
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:
My research on FCRA 605 indicates that credit bureaus are required by law to remove and ban any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a victim of severe identity theft and fraud, tax fraud, financial fraud, thats been ongoing and law enforcement nor id shield is willing to help with past fraud to help me move forward in my life, i am mentally disabled need help with things like this being its taken a stressfull tol on my mental and physical health. My credit history goes as follows only negative issues in all my lifethay should be on my reports is 1 ) child support arrears i had and paid in full XXXX WHY STILL COLLECTING ON IT I DONT KNOW need documentation to show ORS that i paid this off please help with that id possible ; 2 ) XXXX XXXX XXXX i paid off in full long time ago ; 3 ) third district court fines i paid off in full awhile back ; XXXX XXXX, XXXX my identity was stolen, i had a credit score of about XXXX come XXXX XX/XX/XXXX my score plumetted to 3 due to identity theft fraud i could not get into XXXX to check credit since then until recently now i am unable to get into experian account due to ongoing fraud XXXX varies with access but that is due to security questions i dont know answers to because THE THIEVES STOLE MY IDENTITY AND I HAVE NO KNOWLEDGE OF WHAT AUTOMOBILE THEY PURCHASED OR WHAT LINE OF CREDIT THEY RECIEVED AND MONTHLY PAYMENTS ON MORTAGE LOANS NONE OF THIS IS ME! PLEASE HELP I CANT KNOW WHO TO TURN TO ANYMORE i have id shield services and smart score DONT INVESTIGATE PAST STUFF IM WILLING TO PRESS CHARGES ON THESE THIEVES TO HELP PROBLEMS WITH FRAUD IN MY COUNTRY

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 2023-12-13
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX 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: In progress
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TransUnion, and XXXX have violated consumer law code 15 USC 1681 A., I did not authorize nor give consent for late payments to be reported therefore this information violates consumer law. Furthermore, I was not notified of the reported late payments, nor did I receive any form of notification of the reported late payments, this negligence violates consumer law code XXXX XXXX XXXX XXXX 
I demand that XXXX, TransUnion, and XXXX provide proof of my written consent to report late payments. If such documentation can not be furnished, I demand that the late payments reported be removed immediately.

Company response to consumer: In progress
Consumer complaint received 2023-02-23
Company: CrossCountry Mortgage LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have spoken with this company on the following dates XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. These calls are happening during the time in the morning and afternoons. I have asked this company beginning on XX/XX/23 call to take me off the list along with the above dates after this and I got told by the representative from CCM ( Cross Country Mortgages ) that I will be taken off the call list and I have been still getting calls, they are happening more and more and they still don't listen. I have also told them I am not interested and take me off your list as I will never refinance at this point in time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: MD
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 DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE ANY INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE XXXX MY PERMISSION TO FURNISH THIS INFORMATION ONTO MY CONSUMER REPORT. THIS IS A SERIOUS VIOLATION PURSUANT TO CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS A BREACH OF MY PRIVACY RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was approved for a Chase XXXX XXXX XXXX credit card with a credit limit of {$6000.00}. I then sent 2 secure messages to Chase customer service. One was to transfer {$7000.00} of credit from my Chase XXXX XXXX XXXX card with a limit of {$12000.00}. The other was to transfer {$7000.00} of credit from my Chase XXXX XXXX XXXX card with a limit of {$12000.00}. By the end of the transfers, I should have had a Chase XXXX XXXX Preferred card with a {$20000.00} limit, a Chase XXXX XXXX XXXX card with a limit of {$5000.00} and a Chase XXXX XXXX Unlimited card with a limit of {$5000.00}. However, the Chase XXXX XXXX XXXX card was given a limit of {$13000.00} with {$7000.00} of credit missing. 

This error makes fulfilling the minimum spend requirement for a promotion on the new Chase XXXX XXXX XXXX credit card difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CBC Companies, 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:
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits.

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Veros Credit, LLC
State: CA
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 purchase a used vehicle XX/XX/2016 I was finance threw veros credit this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within 10 miles so I reported this to my Finance company veros credit after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. Veros credit then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the XXXX and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by XXXX  that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Thank you for allowing me to file this complaint against the credit bureaus. I have decided to take this step before I involve the courts to assert my rights. First thing I noticed is the " credit reporting agencies '' impersonating a " bureau ''. In reality they are not at all a bureau and have no association to the government. The took it upon themselves to report information about me and speak for me without my written/signed consent under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. This is deceitful and I am due what is rightly mine. After reviewing my report I see the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that should not be there and I want deleted. The addresses listed XXXX XXXX XXXXXXXX XXXX AL XXXX and XXXX XXXX XXXX XXXX, AL XXXX are not associated to me and I do not give permission for it to be shown on my report.

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 2021-11-17
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: Account information incorrect

Complaint:
I have reached out to XXXX XXXX XXXX via email on several occasions to discuss the erroneous reporting of inaccuracy on my credit profile that has caused my credit report to suffer 25 points. The bureau ( Experian ) did an investigation and XXXX XXXX XXXX has verified and certified that on XX/XX/2021, my account was included in a bankruptcy. I am requesting XXXX XXXX XXXX to show me proof on where they have obtained this information. This is a complete violation of the FCRA. I will be contacting the XXXX  and showing them the erroneous information that you have reported on my credit profile and you're continuing to LIE by saying its valid and accurate. Why is the account showing a balance? Why was the last reporting of a negative remark made on the credit report in XX/XX/2021? I will be suing you and the credit bureaus.

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 2023-04-07
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 credit management LP Account # XXXX, has violated my rights. 

Credit management LP response to my complaint on the XXXX XXXX XXXX goes as follows '' They state that they did not enter into a contractual agreement with you or provide you with a product or service. '' So If there is NO legal binding contract that I signed with this company stating that I will pay credit management LP for the amount they requested, then this illegal, erroneous and inaccurate account needs to be removed from my consumer reports. 

Credit management LP has gone as far as to " Park Debt '' onto my Consumer report without ANY PRIOR contact with me to verify or validate that this is accurate.This Tactic is knowingly Illegal as seen the FTC 's case against XXXX XXXX XXXX XXXX, Case No. 4:20-cv-01674. This is a complete violation to my consumer rights an punishable by {$1000.00} damages per 15 U.S. Code 1681. 

Credit management LP have also committed violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Punishable each by {$1000.00} in damages. I Have sent a debt validation letter to request for proper validation of this alleged debt to be done. Notice I NEVER said debt VERIFICATION I Said DEBT VALIDATION. Do not send me a bill, copy of a statement, a letter with the debt only on it, or anything other of the scare tactics debt collectors try to use. If what you sent isn't in correspondence to 12 CFR part 1006.34 Regulation F, then do not even send It and delete the account. You must also be aware I am disputing this alleged debt and that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. As stated in Regulation F part 1006.34 ( c ) ( 3 ) SO as the LAW states you must NOW CEASE ALL collection attempts and remove this ALLEGED DEBT from all my consumer reports until you VALIDATE that this debt is indeed mine. Or I will file for litigation for monetary damages. And we both know would lose sole based off the fact that you have no evidence of PRIOR COMMUNICATION with me either electronically, orally, or through mail as stated by the FCRA before you decided to park invalidated and inaccurate debt on my consumer reports. I will not be sending 5 - 10 letters back and forth with this company I'm only sending 2, and if you decide to be willfully non complaint I will add that to the punitive damages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief