BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
An identity theft report was filed by me on XX/XX/2023 stating that this account was opened without my consent, and that the balance on the account does not belong to me. Sallie Mae responded with contradictory information riddled with discrepancies and used that inaccurate information to claim that the loan was opened by me. I responded with a letter pointing out their numerous inconsistencies in their validations, and even sent a copy of a letter from the University where they claimed the loan was used that confirmed I was not in attendance during the term the loan account was opened. They responded with a letter stating that an investigation would be reopened, however they have not made any attempts to remove the account from reporting to the bureaus, which is in direct violation of the provisions set fort within the FCRA specifically 15 USC 1681 s-2 ( a ) ( 6 ) ( b ). Furthermore, Sallie Mae is in direct violation of 15 USC 1681 s-2 ( a ) ( 1 ) ( A ), since evidence of errors have been brought to Sallie Mae 's attention, and Sallie Mae has sent a response stating that they are investigating these errors, that is evidence of knowledge to these errors. This provision prevents the reporting of known errors. Additionally 15 USC 1681 s-2 ( a ) ( 1 ) ( B ) prohibits reporting after notice and confirmation of errors This is yet another provision in which Sallie Mae is again in violation of. If these errors are not remediated immediately, I may have to take it upon myself to pursue legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/23 - XXXX different deposits of {$9800.00} taken out in XXXX day ( total {$29000.00} ). Per Chase, it was a " deposit reversal/partial withdrawal '' - Someone opened a business account under my name with Chase. 
- They put the deposited the money and supposedly closed the business account. 

XX/XX/23 - Noticed it on my Chase app and reported it to Chase XX/XX/23- Went to Chase bank to resolve the issue. XXXX found XXXX people on the business account ( including me ). Claims department couldn't take the case. XXXX XXXX couldn't take the case. 

XX/XX/23 - Went to chase bank with not much movement. They advised to file a police report, sign up for credit journey, and replace my credit cards. I followed through that day. 

XX/XX/23 - Called XXXX and XXXX to do a credit freeze XX/XX/23 - Chase escalation team called to say they took the case. 

XX/XX/23 - Called Chase looking for updates. No updates. They said it takes time. 

XX/XX/23 - XXXX a voicemail with chase bank and with person working in escalation dept on my case XX/XX/23 - Called chase bank again. Had to leave a voicemail XX/XX/23 - Escalation dept in Chase called to tell me they can't take my case. No internal depts would help her - New Chase banker ( XXXX XXXX ) took my case XX/XX/23 - Chase banker brought my case up to another escalation dept in an XXXX office in NY. 

XX/XX/23 - Went to a meeting with another chase bank to meet an XXXX here. The XXXX cancelled last min. 
- XXXX new chase bankers are familiar with my case. Brought it up to XXXX XXXX Assistance group.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX Closed : XX/XX/2015 - {$1500.00} Closed This is not my account. Account was opened fraudulently. PLEASE REMOVE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Bridgecrest has repeatedly failed to provide accurate information when I have requested help with my auto loan with them. The stress, frustration, and sheer anger I have experienced with them is BEYOND comprehension. 

Yesterday, I called to ask about payment options and that I could only complete one months payment. The rep pretty much ignored what I say and kept insisting and asking me OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER and OVER 2-3 times my payment. I am aware my account is past due and have been very transparent about why I fell behind. 

She quickly rambled off numbers at the speed of sound got snappy when I told her she needed to repeat everything she said. I asked about modifications and payment plans but was told I have {$900.00} in insufficient fund fees. {$900.00}!?!?! I asked if she meant NSF and she said no. 

I was puzzled because she was not explaining things to me in a way I could understand. I have not used my 6 modifications allowed the life of the loan or 2 per year. She kept pressing me about making a large payment on the phone with her at that very moment. If I am calling to ask for an extension, etc, that OBVIOUSLY means I wouldnt be able to pay the entire past due balance. 

I previously had a rep ask me REPEATEDLY if my baby daddy could help me with my payment because she heard kids in the background. B**ch, what?! 

I have NEVER dealt with such rude, disrespectful, inconsiderate, poorly trained people in my life until XX/XX/2020 when I doomed my sanity by entering into a death contract with Bridgecrest.

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 2018-05-11
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RE : Experian RE : XXXX XXXX I come to you again regarding Experian claiming to investigate debt under FCRA, and not providing proof of how they conducted reinvestigation of debt, nor furnished proof and validity of debt that is not mine.

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 2023-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Credit report is showing late payment on my personal credit report for business credit card accounts. I have repeatedly try to have this removed. These are continuously affecting my ability to get credit for my personal use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom May Concern These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report.

Regardless, There are forms of my name and address that should not appear in my credit file.

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 2019-02-09
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a credit monitoring service that I pay for monthly. I discovered a new collection on my credit report by a collection agency called IC Systems who allegedly state they are collecting for XXXX XXXX. 

Around XX/XX/XXXX, I disputed this account with XXXX XXXX as well as a collection agency called XXXX XXXX. This account was demmed to be open fraudulently and was removed from my credit reports on XX/XX/XXXX. Now this collection agency called IC Systems has placed the same collection back on my credit reports. I have never heard of this collection agency nor did they give me the opportunity to dispute the validity of this debt. This account does not belong to me!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
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: Account information incorrect

Complaint:
While checking my experian credit profile I noticed that my ratio of revolving balance to credit limit ratio is 19 % which is accurate. After doing that I checked my credit score. In checking the factors, both negative and positive, I noticed that my ratio of revolving balance to credit limit is 57 % which is not accurate in calculating my credit score. By adding all my credit card balances I concluded they are adding my car loan to my revolving balance therefore affecting my score negatively. This is not a disputable issue with Experian but is one that should be looked at carefully. I took a picture of my credit usage which is 19 % but 57 % at the credit score factors.

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 2019-02-09
Company: EQUIFAX, 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:
On XX/XX/2019, Equifax received my dispute of account number XXXX, {$660.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, VP of Lending and XXXX XXXX, asst VP of Lending are falsifying my modified Equity loan with efforts of suppressing my credit score with Equifax, XXXX, and XXXX. I modified this Equity loan  XX/XX/2018, I've never been over 30, 60, 90, 120, 150 nor 180 as teported on my credit report. This Racially charged effort by both XXXX XXXX and XXXX XXXX has lowered my credit score and sabotaged my credit POWER as an consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
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:
XXXX XXXX has wrong information no accounts have been opened on date XX/XX/2020 I have tried do dispute with no success this information is wrong I did not open any account with this date

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 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, inquiring creditors, and consumer reporting agencies/bureaus below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
Consumer Agencies : XXXX XXXX XXXXXXXX XXXX Transunion.com TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX TransUnion XXXX XXXX XXXX, XXXX ( TransUnion SmartMove ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 1681 c. ( 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 antidotes 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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On or about XX/XX/2023 I filed a complaint to the cfpb about All Credit Reporting Agencies failed and as of today still failing to comply with the following : 15 U.S. Code 6802, part of the Gramm-Leach-Bliley Act ( GLBA ), requires financial institutions to protect their customers ' personal and financial information. The GLBA also requires financial institutions to : Not disclose nonpublic personal information to nonaffiliated third parties unless the consumer receives sufficient notice Provide a notice of their privacy policies and practices to each customer Allow the consumer to opt out of the disclosure of their nonpublic personal information to a nonaffiliated third party The notice must include the categories of information collected and disclosed. The financial institution must provide the initial notice to each customer when a customer relationship is established 15 U.S. Code $ 1681c-2 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. It has been at least 6 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being told by Harris & Harris , Ltd. that I owe them {$100.00} for a debt for an account through XXXX XXXX, commonly known as XXXX XXXX XXXXXXXX. this is entirely false. i pay XXXX XXXX every single month. they have accepted the amounts that i pay based on what i can afford. Also, for over a month, nothing showed online that i owed a balanced at all. so i assumed it was paid for and that i had paid it all off. harris keeps calling me it is annoying. also now it shows through XXXX  that i only owe {$81.00} for this account, but harris is asking for {$100.00}. like i said i XXXX monthly every month. also my name is not XXXX XXXX anymore it is XXXX XXXX, so at least get the name right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent. 

Resolution delete accounts.

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 2019-02-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 I received a letter from XXXX XXXX , XXXX with a discount offer for account number XXXX  the original creditor is XXXX/ XXXX/XXXX XXXX. I have never had an account with XXXX XXXX   before.The current balance is XXXX . XXXX XXXX , XXXX  Acct # :XXXX.

Company response to consumer: Closed with non-monetary relief