BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
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: Personal information incorrect

Complaint:
I am disputing my personal information as it is reporting incorrectly on my credit report. I have attached documents needed to verify who I am. I have also attached a shot of my personal info on my consumer 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 2023-06-28
Company: EQUIFAX, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : riginal Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-08
Company: U.S. BANCORP
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 is missing that should be on the report

Complaint:
In XX/XX/2020, I product changed my two credit cards with US Bank to different products and a month later I noticed that US Bank reported the recently product changed cards to XXXX as separate accounts which made my report show four US Bank accounts even though I only have two accounts with US Bank, after a series of failed disputes with XXXX my report is currently showing two US Bank accounts that represent the same account as the old and new product while the second account disappeared completely from my report. I am attaching a screenshot of my current report which is showing the same account listed twice. 

To illustrate the current account ending in XXXX was product changed and used to end in XXXX and both are showing separately on XXXX even though XXXX shouldn't. The second account ending in XXXX is not being reported which it should.

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 2021-08-13
Company: Caliber Home Loans, Inc.
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I, consumer, entered a consumer credit transaction on XX/XX/2021 with Caliber Home Loans / Mortgage Connect, LP. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges and include insurance, but Mortgage Connect, LP made me purchase insurance separately. Furthermore, Caliber Home Loans, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction including my right of rescission pursuant to 15 U.S. Code 1635 which states When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Furthermore, pursuant to 15 U.S. Code 1635 ( b ) : within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Attached below, my rescission notice dated XX/XX/2021. 

It has been 30 days, no title of deeds has been received and no communication other than debt collection calls at all times of the day which are direct violations of 15 USC 1692d ( 5 ) and crime pursuant to 15 USC 1611. Attached are proof of calls and voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit Services has attempted to collect a fraudulent debt - a debt that I do not owe. This is a debt from XXXX XXXX that I have disputed with the company many times. However, Sunrise Credit Services has sent me a harassing letter trying to collect such debt. I have asked Sunrise Credit Services for written proof or documentation explaining how I owe the debt to XXXX. This is something that they are legally required to provide to a customer if a customer has requested it. They have failed to provide any requested documentation to the customer. 

Unfortunately, I have paid the debt under duress - not because I owe the debt, but because Sunrise Debt Collections has threatened to ruin my credit because of this fraudulent debt. It is unlawful for a debt collection company to do this, and I am requesting a full refund of the money paid, because it was paid simply because of their threat to improperly report the debt to the Credit bureaus. 

Relevant Info : Creditor : XXXX  Account Number : XXXX XXXX  Account # 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 2023-06-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2022-04-01
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
TRANSWORLD SYSTEMS INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX TRANSWORLD SYSTEMS INC : I have asked them on several occasions to please stop calling threatening and harassing me about the two alleged accounts. They keep telling me that I owe them two debts in the amount of $ {$300.00} and another amount of {$730.00} for two separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & XXXX  affecting me at my job and making me XXXX i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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:
When I review my updated credit report in Identity IQ, I realized that the same information was incorrect. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$32.00}

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 2021-10-18
Company: Grain Technology, Inc.
State: TX
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:
i have sent letters to each bureau telling them this account is not mine and was open fraudulently. i have police report on file for identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, INC.
State: TX
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 has violated my rights : XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C . 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1682 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2018 RE : bank accounts XXXX XXXX XXXX and XXXX XXXX XXXX On Thursday XX/XX/XXXX and Friday XX/XX/XXXX I open these two bank accounts at Chase Bank in XXXX, Oregon. On Saturday, XX/XX/XXXX, I logged into those accounts, using online banking, in order to purchase checks using XXXX XXXX services. Everything was fine in that online session. 

Today, Monday XX/XX/XXXX, I attempted to log in on those two accounts and received an error message. It said I was unable to log in and to call a number they provided. I called that number and spoke to four people, two of which were an initial fella, XXXX, XXXX, and XXXX. They told me my two accounts were cancelled, that it would take 14-20 days to return via mail the initial deposits in a cashier check. The initial deposit was {$100.00} USD in each account, {$200.00} USD total. 

Well, I am out the {$200.00} for almost three weeks and the cost of the checks which is is {$13.00}, plus my frustration and defamation to my name since this will have negative impact on my credit score. 

No reason was provided to me on canceling my accounts. I have a average credit score. I have existing checking accounts with three other banks in this community on my business banking and my personal banking. 

I am writing this letter to file a formal complaint with Chase Bank on their discriminatory and secretive banking practices. My accounts were cancelled with no notice. My money is being held for 14-20 days before being returned. I am out money I spent on getting checks printed. I made a request to each person I spoke with to go to the local Chase Branch, in XXXX Oregon, and pick up my deposits. Each person said that was not possible. I have not written and checks or made withdraws on those accounts. Why is it taking three weeks to return my money? 

I want a refund of {$200.00} for my deposits, {$13.00} for the checks I ordered, and {$1000.00} in punitive damages. That is a total of {$1200.00} USD that I expect to receive from Chase Bank. 

What do I need to processed a formal complaint with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: NY
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 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 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been sending letter to Tranunion about requiring investigation in XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, IL XXXX for over six months. They keep saying debt was verfied but when I reach out to XXXX XXXX I never hear back from them. The last statement stated that account was updated on XX/XX/XXXX but I attempted to verfie on XX/XX/XXXX, to Both Trans union an XXXX this could no be true.

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 2020-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase for a XXXX XXXX XXXXXXXX for {$97.00} using my Capital One Plantinum credit card. The purchase showed up on my statement as grocery from *XXXX XXXX MD XXXX XXXX XXXX After not receiving the merchandise I made a dispute through my Capital One credit card. I was then notified that the merchant had responded and the charge was added back to my credit card. I then contacted Capital One and was told they would send me a letter requesting additional information. I attempted to contact XXXX on XX/XX/XXXX to get information on the purchase however they refuse to assist me and told me I needed to go through my credit card company. Today, Friday XX/XX/XXXX, I received the letter from Capital One stating I needed to provide additional information and also had a copy of the information from the owner of *XXXX  XXXX MD XXXX USA on XX/XX/2020 XXXX which showed a response saying My account was hacked. I am NOT the seller. XXXX is aware and put a block on my account and I have a claim number. I do not sell anything. My local police department has a report as well. After reading this, I contacted Capital One. I was on the line over an hour and a half, the 1st agent stated he was sorry, they do see the response and would ensure it was cared for but again, asked me to provide additional information. I reminded him, I do NOT have anything, no email, no confirmation, no merchandise, or anything I can provide and eventually asked to escalate the call to a manager. She left me on hold to review the account only to tell me I needed to contact XXXX. I explained that I had already done so and there was no was to get to an actual person. I personally had to create an online account to speak to someone using chat. She then attempted to get someone on the line through XXXX to no avail. She returned to the line only to tell me Id have to contact them. I told her I was not speaking to anyone else, I have spent a month trying to resolve this and obviously no one wants to take care of it and I also informed her that I would be filing a complaint through CFPB and hope to get a better outcome since Capital One and XXXX are not willing to take care of this for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 has violated my rights : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C . 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1682 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting act XXXX XXXX XXXX Account XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX  has violated my rights. 

XXXX 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 XXXXXXXX XXXX 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 instruction.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: WV
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: CA
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 had identity theft and I reported it to the police on XXXX XXXX XXXX I sent this information to the credit bureaus together with my identification and they tell me that they did not receive this information, only the letter, which is not correct. 

I demand that my consumer rights be enforced and that my case be investigated since I do not want to wait any longer. 

Thank you

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