BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE SENT THE FOLLOWING DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.

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 2023-02-10
Company: EQUIFAX, INC.
State: IL
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, because they pulled my report as a soft pull, hard pull without my written or spoken permission. 
Account that pulled my report without permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 U.S.C 1681n ( A ) ( 1 ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
I am entitled to a full {$1000.00} ( violation ) payment. Please process the payments as soon as possible and provide me with written confirmation through mail that the payment has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
I was looking at my credit report and I saw a few things on there that wasn't correct and I reached out to the creditor on on XXXX XXXX for proof these were my debts. I requested this information to the following agencies Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Amount {$620.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Re : Acct # Ending in XXXX ( as it appears on credit report ), Amount {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$4400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Ref # XXXX, Amount {$770.00} I didn't know this was even on my credit report until I was trying to get a house loan and was denied do to theses marks on my credit report. I feel I have given them proper time to give me the items I have requested and they have failed to compile with my request of them in 30 days from my letters I have attached to each of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: AR
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 according with the Fair Credit Reporting Act, XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXXXXXX 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 Dept Of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX ; Payment Report XXXX has violated my rights. 

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

U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase advertised a {$900.00} sign up promotion for their checking and savings accounts requiring multiple steps including keeping a balance for 3 months and then waiting an additional 15 days to find out if you received the bonus. 

I followed all required steps after seeing the promotion advertised online, following that promotion link to the sign up page, and opening both checking and savings accounts as instructed. I think had my employer direct deposit sent to Chase as required, I funded my savings account with over {$15000.00} and kept that balance for 3 months. I then waited 2 weeks for the promotion and it never arrived. 

When I contacted customer service, I was told there was no promo attached to my application, even though I followed the hyperlink from the promotion page and promo code. Chase never confirmed the promo was active or not active, there was zero communication

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Express Recovery is reporting a debt on my file that isn't owed. My husband had a utility bill that went past due and my name was on it too. However, he paid it to Express Recovery and it's fixed on his file but they continue to report the debt on my file when this has been paid. This is inaccurate and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Friday XX/XX/XXXX, I deposited a business check into my business account for XXXX. They placed a hold on the check due to the large amount. They said XXXX would be available on Monday XX/XX/XXXX, and the remainder on the XXXX. I called on the XXXX and customer service told me they were holding the check until the XXXX, and all funds would be released at that time. I argued and argued with them. I had it in writing ( my receipt from the deposit, email notification and online banking ) about the amounts and specifics of the check being released. Customer service kept saying there was nothing they could do, I was given wrong information and to wait until the XXXX. I discovered the banker deposited my business check into personal account. This has happened now 2 times and costs me thousands of dollars and there's nothing Bank of America is willing to do about it. I'm a small business and this has severely hurt me. I have outstanding banking history. I don't have overdrafts or issues other then Bank of America 's incorrect handling of my funds. Upon uploading documents I found a letter stating " due to check errors the check won't be available until the 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 monetary relief
Consumer complaint received 2023-02-20
Company: WorldRemit Corp.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Not access to my account. 
When trying to access my account they informed that username/password was invalid. 
After reseting the information still not access, tried to reach out cx service but since I didn't have a case number wasn't able to connect with operator. I was referred to the website where there was no other solution than reset the password. I'm going in circles not able to accessing my account and no solution or answer has been provided by Worldremit Corp .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Unauthorized fraud charge on my credit card in the amount of {$2800.00} by XXXX XXXX XXXX. Chase. Chase has been notified with proof of fraud charge but refuses to investigate and correct. Chase has " Zero Liability Protection '' policy but have chosen to not have it apply to this fraud charge for some reason. Chase response is " transaction is valid ''. When is fraud valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit reporting agencies have multiple charge offs on my credit reports. IRS considers any canceled or forgiven debt as income. Income is not allowed to put on my credit report. Credit reports are used to track my credit history. Credit reports do not include information about my income or employment status. 

Experian shows 3 XXXX XXXXXXXX charged off Accounts & a charged off account from XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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:
I'm a consumer by law. I didn't submit this in error. I never gave Equifax my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 2019-07-13
Company: CCS Financial Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have tried to resolve this account and I can't get any help from them. I've sent them 3 letters and I have gotten no response to my latest letter dated XX/XX/2019. It's been 2 months and I haven't heard anything, its a shame how company 's can just say they validated a debt but doesn't send you any proof or nothing, and the Credit bureaus are just as bad it's ridiculous.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
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: Public record information inaccurate

Complaint:
The credit reporting agencies have inaccurately attributed a bankruptcy listing to the US Bankruptcy Court as the source of this information. This data can not be substantiated or validated, as the courts do not engage in the verification of bankruptcy listings. Instead, this information was obtained from a third-party reporting agency and should therefore be removed.

According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ), if the credit bureau is unable to validate information with the original creditor, they are obligated to remove it from the consumer 's credit file. The Bankruptcy Courts have also confirmed that they do not furnish informat
ion to credit reporting agencies and do not validate or confirm public records. These records are collected by credit reporting agencies and third-party providers, and they are not validated by the U.S. Court system due to privacy laws. 

Inquiries made to the U.S. Bankruptcy Courts have verified that Experian Credit Bureau has never validated or verified these public record entries on my credit report, nor will they do so in the future. It has been emphasized that the U.S. Bankruptcy Courts are not liable for the misuse or dissemination of incorrect public records, often reported by third parties without the consumer 's knowledge.

Given the potential violation of the Fair Credit Reporting Act, I am requesting the immediate permanent deletion of the bankruptcy information associated with my social security number from my credit report. Experian Credit Bureau is also required to provide me with copies of all documentation related to these Public Record Accounts, including any court orders or authorizations bearing my signature, which would authorize the inclusion of this information in my credit report. 

To comply with the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are obligated by federal law to physically verify the original signed consumer contract and/or judgments for all accounts and public information reported on credit reports. Failure to do so could lead to the inclusion of fraudulent or erroneous account information.

If this unauthorized public record information is not removed from my credit report within the next 30 days, I reserve the right to pursue legal action against the EXPERIAN Credit Reporting Bureau. I will seek damages of no less than {$5000.00} for various reasons, including but not limited to defamation, negligent enhancement of identity fraud, violation of the Fair Credit Reporting Act, and Consumer Financial Protection Bureau regulations. 
Please make these credit reporting agencies comply, 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 2019-07-13
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: Account information incorrect

Complaint:
This is the 2nd complaint about the credit bureau I am having hard time with experian report there's a free things reporting to the credit bureau and they refuse to remove it the only thing should be in m y credit report should b e my loan for my car payment XXXX XXXX co l Account # XXXX Address is XXXX XXXX XXXX XXXX, fl XXXX -- -- - this is not my account i never open a XXXX account please i asked them for proove nover was sent to me its been 60days. 

XXXX XXXX XXXX XXXX Account XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone # XXXX XXXX XXXX XXXX Account # XXXX Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Amount {$760.00} XXXX XXXX was deleted from Equifax & XXXX which i sent a copy of the letter i received from the company XXXX XXXX XXXX  still not removing this from my account XXXX XXXX XXXX XXXX the all one company different name i recieved letter from them account was delete but the credit bureau never remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
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 30 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 ham demanding the deletion of the accounts listed IMMEDIATELY! 13. 8K

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted Capital One regarding the interest on a closed account. The agreement was for 93 a month, however the fees alone total half of that payment, It is simply too high. I will never get ahead. I contacted them to remove the late fee and also help me with the balance but they refused. I need assistance with this bill because at this rate I will owe them even when I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: UT
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 with the fair credit reporting act XXXX  account of XXXX XXXX XXXXXXXX on my reporting credit 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. 

This company misreported information on my credit. and information that is verified by me. therefore it is false and affects me in my report unfairly for me to advance in my economic life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Incorrect XXXX XXXX XXXX information on my credit 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 non-monetary relief
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 record 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