BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1962 financial institutions are supposed to notify you letting you know they are going to report information to a non affiliated third party. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase advertised their new XXXX Credit Card with an offer of XXXX XXXX points once you spent {$5000.00} within the first 3 months. I applied for and was approved for the card. I made more than the required purchases and paid the annual fee. Chase never sent the XXXX points to XXXX. Each time I called they told me the points had been sent, then they said it takes 6 days, then they said it takes 10 days, then they said it takes 6 weeks and then they said it takes 6 months. While the XXXX points never were posted, they did subtract XXXX points from my XXXX account for a return of {$70.00} on the card. 

I want them to provide the points as promised. When I called to complain, they said there was nothing they could do and then they cancelled the account. If I do not get the points, I will sue in Small Claims Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Continental Finance Company, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/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 2023-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I owed bank of america credit card and I agreed to pay and for payment to be deducted from my bank account automatically and it never did they did send me to collections even when I was willing to pay an amount to them to settle

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 2023-04-20
Company: EQUIFAX, INC.
State: AK
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:
on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. XXXX Bank has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires. 
The following is appearing on my credit report Equifax XXXX XXXX XXXX XXXX  ( Never authorized or requested ) XXXX XXXX XXXXXXXX XXXX XXXX ( Never authorized or requested ) XXXX XXXX XXXX XXXXXXXX ( Never authorized or requested ) XXXX XXXX XXXX ( Never authorized or requested ) XXXXXXXX XXXX XXXX XXXX- ( Never authorized or requested )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, INC.
State: NV
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account has nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home XXXX COUNTY EMPLOYEE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: TN
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 XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 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 absolutely 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 2021-10-20
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2021 I submitted a request to Experian for my consumer disclosure for the Experian Asset Verification solution. Instead of sending my Experian Asset Verification consumer disclosure they indicate they have sent my Experian credit report. 

Experian Asset Verification advertises that they are FCRA compliant as their website indicates : " It is also the only solution in the market to be fully FCRAcompliant and adhere to credit bureau reporting and dispute processes. '' Their website indicates : " With the click of a button, borrowers can give permission to access their financial accounts, including checking, savings, 401 ( k ) and brokerage accounts. '' My Experian Asset Verification consumer disclosure would show if anyone has been clicking the button. 

Their website also indicates : " With coverage of 80 percent of financial institution accounts in the United States, lenders can verify assets for millions of borrowers. '' My Experian Asset Verification consumer disclosure would clearly show which of my accounts where they have coverage. 

See attachments.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-12-04
Company: ProCollect, Inc.
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is a bad company to do business with.They always have a lot of complaints from consumers.They have a bad record of messing up your credit even though it their fault.They blame everything on you.They always have new management because they do not conduct their business well.They have a lot of turnover for new and different management.I had issues and complained a lot to them about money I did not owe them.and I had my receipts that I paid my bills but they would not even take time and didn't care about my receipts and charged me for bills I didn't owe them.They have a lot of complaints from tenants living there and people are constantly moving out all the time.They also have a lot of bad reviews from tenants and couldn't wait to move out because they are very unorganized and very unprofessional.

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 2023-02-19
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Continued harassment and never received verification of debt. No account number no right to dispute and no proof whatsoever I agreed or was required to pay debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I filed a dispute with Bank of America in the amount of {$400.00} for a charge that I made with my Bank of America debit card ( ending in XXXX ) to a merchant ( XXXX XXXX ) for goods and services that have not been delivered or performed. I have followed the guidelines provided by the Consumer Financial Protection Bureau, Federal Trade Commission and the State of Georgia Attorney General 's office of Consumer Affairs in their guidelines to attempt to recoup the {$400.00} paid to the merchant which includes : 1. a failed attempted negotiation with the merchant for recoup of funds or delivery of the goods ; 2. disputing the {$400.00} transaction with my bank , Bank of America . However, as of the date of this complaint I have ye
t to receive a satisfactory result which would be Bank of America supporting my dispute and restoring the {$400.00} funds to my account. I am disappointed and dismayed at the lack of action on the part of Bank of America in support of me as their consumer, especially in light of the deceptive consumer practices recently attributed to Bank of America. I would think that BoA would want to restore the trust of consumers rather than further eroding that trust. I am respectfully requesting that the {$400.00} be restored to me, forthwith. I have provided and proven to Bank of America that the merchant failed to satisfy the terms for this transaction. In addition, BoA has placed the burden of proof on me as their customer, when instead it should have been the merchant providing proof of the satisfaction and delivery of these goods and services that I paid for, which the merchant can not, and will not, be able to show. If the {$400.00} is not restored to my Bank of America account, I will be withdrawing the remainder of my funds and taking my banking business elsewhere.

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 2022-07-22
Company: EQUIFAX, INC.
State: NY
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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXXnquiry Date XX/XX/20XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXXnquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Kansas Counselors, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, Account Number : # XXXX / Kansas Counselors Inc. 

Reviewing my annual free credit report, Ive notice Kansas Counselors Inc. negative account on my credit report. I have never heard of this company, never signed a legal binding contract with Kansas Counselors Inc. or I have never received any documentation from Kansas Counselors Inc. Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope to Kansas Counselors Inc. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from Kansas Counselors Inc referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), Kansas Counselors Inc is NOT following guidelines of what constitutes proper debt validation. I have NO contract with Kansas Counselors Inc, I am not obligated to pay for the alleged debt, Kansas Counselors Inc is the reporting inaccurate information on my credit report. 
Im planning to apply for a VA mortgage loan, and Kansas Counselors Inc account is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the change. Im trying to buy a home for my family and because of these items, I am unable to be approved. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 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
Consumer complaint received 2018-11-01
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. CFPB step and remove the alleged accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have two unauthorized credit pulls for a VA loan on XX/XX/XXXX and XX/XX/XXXX. I was looking at homes online and ended up getting a hard credit pull for a pre approval when I was trying to ask questions about a home.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The follow ing accounts are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXXXXXX Balance : {$440.00}

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 non-monetary relief