BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-03
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
My husband and his relatives ( people who use to live in my address ) received several calls from the following number : XXXX. A woman on the phone, did not identify herself said that police officers are on their way to my job to arrest me. She made several phone calls to my son, my husband 's children. She said the call is for Zales jewelers from account in 1997.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I sent a company a letter requesting proof of permissible purpose because there was an unauthorized inquiry furnished on my consumer report for the date of XX/XX/XXXX. I do not have an open or closed account with this company. I gave them 10 days upon receiving the letter to respond, and they ignored my request about the inquiry the furnished on my report. I made them aware of the violation of permissible purpose 15 USC 1681b ( 2 ) when it comes to viewing consumer reports without the written permission of the consumer and told them if they failed to provide proof of permissible purpose, they must delete the inquiry from my consumer report. The inquiry still remains more than 30 days later.

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 2021-01-15
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XX/XX/XXXX, I leased a XXXX XXXX XXXX at the end of that lease I turned it in to a XXXX dealership after buying a brand new car from XXXX. I did not receive a bill or statement to notify me of charges associated with the end of lease. I did receive numerous spam calls from people identifying as GM Financial whoever asked me for my social security number and said they couldn't help. I was alerted from my Credit Card Service that I had been reported 30 days late to the credit bureau ( still have not received a bill ). On XXXX XXXX I finally spoke to someone at GM Financial and was told they had sent a bill to my address but upon further investigation it was sent to the wrong address ( not the address associated with the address on my account ). The representative said she would send it to my updated address and remove the 30 day late mark on my account. As of XX/XX/XXXX, I still had not received a bill and had been reported 60 days late. I called to talk to a representative who said that even if i hadn't received a bill i was still 60 days late. I asked to speak to a supervisor and i was put on hold for over 10 minutes, only for the representative to tell me no supervisor is available and she will have them call me when available. I never received a call. During my lease of this vehicle, I signed up for paperless and received my statements on my account. I am not sure why the statement for the final bill has not shown up my account. I have asked for a paperless statement or email and have been told they couldn't do that. I have not received any sort of notification of the charges or statement just a total bill amount, and I'm not sure how my account can be reported as 60 days late when a bill was never received due to their logistics and error. GM Financial has made no acceptable effort to rectify the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Some unknown person has breached/ obtained my identity information ( name, previous address, Social Security number, and date of birth ) and fraudulently opened a Bank of America credit card on XX/XX/XXXX in my name. During XX/XX/XXXX to XXXX, XXXX, this unknown person has made several charges at several businesses in the New Jersey / New York area and has also made numerous cash withdrawals at multiple ATM machines in New York. Fraudulent activity totals at one point {$7700.00}. After discussions with the Bank of America, the credit card was disabled, blocking any further use/ charges/ ATM withdrawals. 

The credit card statement was being mailed to an address in XXXX XXXX, NY XXXX. Do not mail any correspondence to the XXXX XXXX address. It's a false address. I have never lived in this place. I have not traveled to New Jersey or New York at any time in XXXX or XXXX. I have lived in my current home in XXXX, TX since XX/XX/XXXX. The identity thief completed a credit card application using a previous home address XXXX XXXX XXXX, XXXX, TX. We relocated from that home in XX/XX/XXXX and sold that home in XXXX. We did not own or live at the XXXX home in XX/XX/XXXX when the credit card was fraudulently opened. 

The Bank of America has been mostly unhelpful in working with me to resolve this matter. Even so I have reached out to them on multiple occasions. BoA repeatedly told me I needed to contact its Fraud Dept. In my multiple attempts to contact the Fraud Dept., no one ever picked-up the phone. I never had an opportunity to speak with someone in the BoA Fraud Dept. There was not a means to leave a voice message to request a call back. 

On/ abouXXXX XXXX XXXX XXXX, while in the process of seeking pre-approval for a home loan, the mortgage lender identified to me that my credit score was XXXX. I was under the impression my credit score was about XXXX. Upon learning of this miserably low credit score, I began to look into what was going on. 

I have also reported this identity theft to my local XXXX, TX Police Dept. Incident number : 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 2021-01-15
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute over three ATM withdraws after my card was stolen. I filed a police report and provided it to the bank. The found that no error had occurred and denied my claim. The reason was I still had the card in my possession, but it wasnt, on their online claim form it asks when you noticed the card was missing, I noticed the next day and put that date down, they used this as the date it was stolen and not when I discovered it was missing. I filed an appeal, and the bank said that the police report I provided didnt change the decision by the bank. These charges were for {$200.00}, {$200.00} and {$830.00}. This money was stolen from me and should have been protected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. These items are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: TN
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:
Ive been a victim of identity theft. They have stolen my information and have been using my information to obtain credit with several lenders/banks. 

I was robbed back in 2020 and ever since I have been getting inquiries on my credit reports and also credit lines opened under my name, including recently, a checking account and a credit card with XXXX  XXXX. The perpetrators have stolen almost {$20000.00} from my XXXX XXXX account by fraudulently changing my information on my XXXX XXXX account and transferring funds onto this XXXX  XXXX account opened under my name. They have also tried to obtain credit under my name with several other financial institutions. 

There are numerous addresses and phone numbers on my credit report that are NOT mine due to these activities. 

These actions have hurt me tremendously and caused me to lose a refinancing of my home recently not to mention the stress and headaches this have caused. 

I locked and froze my Experian report but havent started the disputes with the other two agencies. 

Ive been working with both XXXX XXXX and XXXX XXXX to get these transactions reversed, and my money back. I have also filed a police report and they are investigating as well. 

I was advised by Experian to file this report. 
Any help with this matter will be greatly appreciated. 

Let me know what I need to do to proceed. 

Sincerely, 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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XX/XX/2022 I submitted complaint # XXXX. The intention is not to submit a duplicate complaint for the same issue but to highlight the fraudulent and deceptive business practices as I stated in my initial complaint against XXXX XXXX XXXX. In XXXX of this year I got a bill from XXXX XXXX XXXX for a past due account that is not mine. I explained to XXXX over many calls that my mobile service for the last 6 years has been through XXXX and with XXXX XXXX  prior to that time frame. I also advised that my current internet and cable service is with XXXX XXXX and prior to that with XXXX XXXX. Upon explaining this, at no time was any of the managers I spoke with able to find the product or billing info of the XXXX & XXXX account. But XXXX XXXX XXXX sent the account to collections anyway with XXXX XXXX XXXX XXXX and Transunion is now reporting a fruadulent account that they did not even verify it it was mines. XXXX XXXX XXXX response after I complained to the CFPB, was to send me the attached form within to be completed online so they can investigate my complaint. The problem is that the web address for the complaint they reference in the letter does not exist at XXXX. I have attached the letter and the XXXX search that shows no XXXX XXXX XXXX site listing for the web address noted. I am tired of the games these companies and CRAs are able to play while corrupting my on time payment history with an account that does not belong to me. I want the account deleted immediately. It is a fraudulent billing, they have given a fraudulent web address to respond too, because they practice fraudulent procedures. I want this account deleted 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 2019-03-20
Company: Experian Information Solutions 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 tried many times to dispute an account with Experian with an account with XXXX XXXX Mortgage. It is hard to include the dates as it has been an issue that I have been trying to resolve for 2 years now. XXXX XXXX Mortgage violated the Servicemembers Civil Relief Act ( SCRA ), while taking my house. XXXX deleted it off my credit report because XXXX say that XXXX XXXX was in the wrong. Everytime I try to dispute this account, Experian comes back with the dispute was not legible or they did not understand the reason for the dispute. But I clearly state why I am disputing this account. It is because XXXX XXXX violated SCRA.

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 2023-01-11
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section XXXX ( a ) Equifax and XXXX 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}

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 2022-10-14
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I found out that Johnson Mark LLC sued me for a debt that I have not made a payment on since XX/XX/2016. That payment was through a 3rd party credit management firm, I have had no direct contact with any of my original creditors from this time period since well before that date. Johnson Mark LLC had a judgement entered against me in court and proceeded to garnish my bank account. I do not know exactly who the original creditor was yet, but there is no question that it is among those included in the credit management program that I discontinued in XXXX of 2016. The notices for this suit were not received by me so I was unable to respond and I do not know when it was entered. This debt is past the 6 year limit as of XXXX or earlier, and it is illegal for XXXX XXXX to pursue the judgement in court if they did so after that date. I do not have a copy of the judgment or my bank notice regarding the matter because I closed the account and lost all of the digital correspondence because I have paperless statements. Bank XXXX XXXX could not reproduce the letter or give me any details beyond Johnson Mark LLC 's phone number. I have not contacted them because I received advise NOT to reach out to them directly from a credit repair specialist. 

Thank you! 

Johnson Mark LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Public record information inaccurate

Complaint:
I have contacted them via telephone and in writing. They are reporting that I filed a recent bankruptcy in XXXX causing me to be declined and or pay higher interest rates. I did not file bankruptcy in XXXX. My ex husband filed in XXXX and I was by accident added by mistake. They quickly corrected the issue and closed the bankruptcy with me. My ex husband currently filed the bankruptcy and not me. The credit company has failed to correct this issue by removing the bankruptcy filed in XXXX by my ex husband. They fail to do anything with removing and its causing me to be declined bc of this error. Banks are looking that I filed bankruptcy in XXXX  counting it has a recent bankruptcy. However, there is no court order showing a discharge of this XXXX bankruptcy but I did not file one. They also fail to remove inquiries that I have in writing disputed. I have a fraud alert on my credit which makes a company have to go through steps to extend credit. The companies have never called me and I have never done business with them. The alert was placed due to my ex husband using my social security number. The same companies are running my credit every month without getting authorization from myself. The credit agencies as well failed to protect my credit account even with several telephone complaints and filing concerns and disputes in writing. This is an issue with all 3 credit agencies.

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 2023-07-26
Company: Experian Information Solutions 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 first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-15
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation