BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TRANSUNION ARE REPORTING ALL OF THE ITEMS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND I HAVE REACHED OUT AND ASK THAT THEY BE INVESTIGATED AND REMOVED. 

XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX  ( Finance ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Auto  ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX 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 2022-06-01
Company: EQUIFAX, 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:
I have received a copy of credit report and noticed several accounts and inquires that were reported without my knowledge, Fraudulent applications have been submitted in my name and my identity has been used without my consent to obtain goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a checkings and savings account with Flagstar bank back in Spring 2019. 

When I tried to transfer funds from my savings account to my checkings, it charged me a {$35.00} fee. It was the first transfer I made in a month. 

When I went to a branch, they told me they couldn't do anything as it wasn't the original branch I open the account with, and about the fee as it became overdrafted after I closed the account as the promotional interest rate for savings expired. 

They fee grew to {$220.00} and was sent to collections illegally to XXXX XXXX. I say illegally as any bank has a courtesy of reimbursing automatically an overdraft or late fee once a year and this is damaging my credit potentially costing me money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
According to 12 CFR Part 1016, I have the right to privacy. On XX/XX/2022 I walked into the dealership approved for a vehicle. I noticed that on XX/XX/2022 that I have several inquiries from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX that I did not consent to. I was already approved through XXXX XXXX and did not see a need for these hard inquiries.

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 2022-06-01
Company: JPMORGAN CHASE & CO.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I was online making a payment on another card I held with Chase bank when I noticed that it said a different account had been closed. I had never received notification that this account had entered inactive status and would be closed if I did not use the card. I called Chase and the representative I spoke with advised me that they were unable to re-open my account and informed me that a letter was sent in XXXX via regular mail. I have an issue where I do not receive a lot of the mail that is supposedly sent to my physical address. The agent was unable to help me and escalated the call to a supervisor who also was unable to assist and advised to contact another department that was currently closed. Chase was unable to schedule a call back and refused to assist me further, effectively passing the buck. The notice was not sent via certified mail and as it did have significant impact to my credit score due to the length that trade line has been open I advised I would be filing a complaint. After further review I was able to locate the document stating the inactive account warning in my online banking, however this was too late and I feel the significance of a closed account warrants a physical letter that is certified to ensure receipt by the consumer when it comes to something as impactful as this with regards to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I received an invoice for payment for XXXX XXXX apartment for {$3000.00}. After receiving I contacted the collector and sent off form explaining im not responsible and that this is the first time i was hearing about the debt. She informed me it was marked the same day i moved out the apartment. The complex went straight to creditors. I also informed the young lady that i want an investigation in the matter and willing to go to court. I have text messages with the complex through moving process. Which i started being harassed because I asked to get out my lease due to a roach issue and mildew smell that I believed was making me sick. Also my property was being damaged and tampered with. Feeling of stress and overwhelmed living there. I had to get cameras. Also went 1.5 without consistent hot water and air conditioning. 
I had two follow up phone calls with a young lady from agency that called. Explaining i sent in letter and also asked process. I had until XXXX to send back response and i sent it to them. Also informed them I didnt receive any communication from the complex. Also i was asked to moved so i should not be charged any additional fees. 
Once again i reached out to rent recovery solutions in Georgia asking about status because i am now seeing this on my credit report. On XX/XX/XXXX I contacted the agency again bounced around and sent to an XXXX and a XXXX XXXX. As of today I have still not heard from them. I was told that I didnt send in the correspondence and until then then cant do anything. I asked how could I receive another one. I was told I couldnt because its past the date. I have been in communication with the agency since receiving the first and only attempt. It should be illegal for a complex to lie, harass and collect fees when being asked to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Vargo & Janson PC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My identity was stolen years ago including credit card numbers. Some company who bought this debt, even though I told them that it was the result of identity theft, has been threatening to have me arrested. I have filled out all information to the best of my knowledge and returned to the courts. I am XXXX XXXX   so it is hard for me to maintain a job to either file bankruptcy or hire a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I checked my bank account this morning, and noticed that the company ( Exeter Finance ) that I received an auto loan from charged me 3 times for the same payment of XXXX $ for XX/XX/XXXX. I called them first to figure out why they took this much money out of my account and they told me it was my doing and that I needed to call my bank because there was nothing they could do ( in a very rude manner ). I called my bank and they told me that the merchant ( Exeter finance ) could reverse the transaction, however I told her they did not either want to do that or they simple just lied to me. My bank said that I could file a dispute once the transaction showed as processed. But right now all it is showing is processing. From what I have been told a transaction dispute takes up to 90 days an I have rent coming up on the first of this month. I do not have time to wait for a dispute to get resolved when there was no fault of my own involved. This is the second time this company has put me in a bind to where I can not pay my rent and I am reporting this because I shouldnt have to deal with extra fees, transaction, and payments when I pay my bills on time every month. This company has never had a late payment from me for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts to address a collection reported on my credit report from XXXX XXXX XXXX for {$600.00}. I have sent several certified USPS letters to both the collection company ( XXXX XXXX XXXX & all three credit reporting agencies ). I have made it clear in these letters that the debt doesnt belong to me and that Ive never had a contract with XXXX XXXX XXXX XXXX I have asked for proof of a contract between them and I, however Ive never received any information or proof to validate this alleged debt. Experian has verified and updated the collection both times I disputed the debt ; both times without showing any proof before the 30 day period for the investigation ended. Furthermore, it has been more than 30 days since Ive sent multiple letters to XXXX XXXX XXXX addressing this issue. The proof of burden to proof the debt as valid was on them and they never responded to either certified letter I sent them within the 30 days of receiving the letters. This collection is being inaccurately reported on my credit score and is therefore negatively affecting my good name. I have addressed this multiple times with the company itself, and the XXXX main credit reporting agencies. Both disputes were made updated and verified without actually showing proof of contract to validate the alleged debt. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that they, the credit reporting agency, report accurate and /or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. 

Id like to also note that XXXX XXXX XXXX does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of Georgia, therefore XXXX XXXX XXXX. attempting to conduct business with me is a violation. 

I expect this debt collection to be REMOVED AND DELETED from all three credit reports ( this includes XXXX, EXPERIAN, and 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 2022-11-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
a lot of information is invalid it is hurting my file with Equifax I am interested in disputing all incorrect information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or before XX/XX/2021 I entered into a consumer credit transaction by submitting an application with barclays for an extension of credit for my personal, family and household use in which they denied my right to credit and the account that they hold with that application is evidenced with the negative inquiry through transunion they furnished on my consumer report in which I did not give my consent or authorize them to do. Within that application I entered my name, address, phone number, email and my social security number and pursuant to 15 U.S.C. 1602 ( L ) is my credit card. I signed the application electronically which gave it value and I did not receive equal consideration for that asset I submitted to barclays. The constitution states that no personal/private information shall be taken for public use without just compensation. Barclays used my social security number which is my credit card pursuant to 15 U.S.C. 1602 ( L ) to establish an account in which I am the holder and beneficiary of and I received no benefit from the transaction. Congress clearly states that the transaction is " unauthorized use '' pursuant to 15 U.S.C. 1602 ( p ). Barclays is now criminally liable for willful and knowing violations pursuant to 15 U.S.C. 1611 and I will seek litigation for said violations if this issue is not rectified. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.

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 2022-02-13
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has been reporting to the credit bureaus twice a month every month and they have added almost {$6000.00} of interest on to an original amount. I first reached out to them back in XXXX of 2021 and ask them nicely to send proof of the debt and the original contracts, and then reach out to them again a second time a month later because I hadn't received the paperwork. I was told that they were working on it. Two separate times a month apart they have refused quietly to give me my information. XX/XX/XXXX I hired a lawyer to force them to give me the paperwork and they have yet to correspond to even that much, I have also disputed the debt the other credit bureaus and I have not received anything on that either. On my XXXX report they have removed the debt collection and then re-add it it a few days later. They were instructed not to continue to report by the lawyer and continue to do so. I asked them for the original contract and they told me that the original contract stated that they could continue to add interest every single month but would not give me an itemized deduction sheet as to where that came from. They also told me that they have the paperwork ready to sue me in court, and informed me that they would be ready to do so very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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 fraud alerts or security freezes

Complaint:
Received a XXXX XXXX from Transunion in 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 explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, I noticed that several accounts have be opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX  : XXXX DATE OPENED : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$720.00} XXXX. ) XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$1000.00} XXXX. ) XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$3100.00} XXXX. ) XXXX ACCOUNT NUMBERXXXX DATE OPEN : XX/XX/XXXX TOTAL FRAUD AMOUNT : {$0.00} HARD INQUIRIES ; 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 2022-05-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern:
I received a copy of my credit report and found the following item(s) to be in error:
1. The wrong amount is being reported
XXXX
Account Number: XXXX
This is not mine.
2. This an incorrect account number XXXX XXXX XXXX
Account Number: XXXX
Please remove this inaccurate information from my credit report.
3. This an incorrect account number
XXXX XXXX  Account Number: XXXX  Please remove this inaccurate information from my credit report.
4. This an incorrect account number XXXX XXXX  Account Number: XXXX
Please investigate and delete from my credit report.
5. This an incorrect account number
XXXX XXXX XXXX XXXX XXXX  Account Number: XXXX
Please ensure that all information is accurate
6. This is a duplicate account
XXXX XXXX XXXX  Account Number: XXXX  Please remove it from my credit report.
7. This is a duplicate account XXXX XXXX XXXX
Account Number: XXXX
Please remove it from my credit report.
8. This is a duplicate account XXXX XXXX XXXX  Account Number: XXXX  Please remove it from my credit report.
9. This is a duplicate account XXXX XXXX XXXX
Account Number: XXXX
Please remove it from my credit report.
10. This is a duplicate account XXXX XXXX XXXX  Account Number: XXXX
Please remove it from my credit report.
11. This is an incorrect account number
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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 XXXX XXXX, 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 explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
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 recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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