BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: AR Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX  XXXX Account Number : XXXX 2. Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$26000.00} 3. Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4800.00} This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2021-06-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: MIDFIRST BANK
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquires on my credit report, as well as, collections. My account was registered as a victim of identity theft. 

I am a victim of identity theft. However, the hard inquires are on my report and I asked they be removed. They are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was bought out by my mortgage company as a debt which should also be removed. 

I tried having them remove it but they have yet to do so. Any assistance would be greatly appreciated.

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 2022-10-02
Company: Experian Information Solutions Inc.
State: WA
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 the following Accounts has violated my rights : 1. XXXX XXXX XXXX *Account # XXXX 2. XXXX XXXX *Account # XXXX 3. XXXX XXXX *Account # XXXX 4. XXXX XXXX XXXX *Account # XXXX 5. XXXX XXXX *Account # XXXX 6. XXXX XXXX *Account # XXXX 7. XXXX XXXX *Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am writing to delete the following information in my file. I reviewed my credit report and seen some unauthorized inquires listed on my 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 2022-05-20
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:
FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$600.00} written off. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$330.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Account charged off. {$3300.00} written off. {$3200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$8600.00} written off. {$9400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$600.00} Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$330.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX TX 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 2022-05-20
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:
FCRA violations : accounts not mine Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Charge Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Credit limit XXXX XXXX Monthly payment {$0.00} Past due amount - Highest balance - Terms Revolving Responsibility Individual

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 2022-05-20
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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXXXXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXXXXXX XXXX XXXX  and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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: Their investigation did not fix an error on your report

Complaint:
Inquiries that were investigated and supposedly verified to be valid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries and all inquiries highlighted in the attachment are acts of fraud. Inquiries were not made by me nor did I give anyone to inquire on my behalf.

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 2023-01-27
Company: Gemini Direct LLC, dba Credit Innovation Group
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
To XXXX XXXX and Credit INNOVATIONs Affiliates. Your practices were deceptive XXXX XXXX have told me the total financial obligation that I would incur. Before having me sign the contract. I shouldve have been Forewarned that I would pay XXXX for membership and XXXX would be placed on hold. In addition, I especially should have been Told by XXXX on that phone call that I would incur XXXX on a monthly basis even though YOUR. Services were not guaranteed to obtain permanent housing. 
I would not have signed the contract. 
Per this email cease and desist from the contract and contact. My credit card company will continue to recover the XXXX and XXXX you have received and put a hold on. Cease and Desist from digging into my credit history. I will notify the credit bureaus. I thank SOVEREIGN that I didnt know the routing numbers to the bank. 
Sincerely, XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: BB&T CORPORATION
State: AL
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:
I filed a complaint against XXXX XXXX because they were incorrectly reporting to the credit bureau. Their response was a copy of my payment history which was not what my complaint was. 

I did a volunteer surrender in XX/XX/2016 of my vehicle. Since then XXXX XXXX have sold the vehicle, which they did not provide me a copy of the sale. In addition XXXX XXXX did a write off for a loss with the department of XXXX. 
Upon further research I learned that since XXXX XXXX was able to use my account as loss they should not be reporting to the credit bureaus.

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 2022-12-06
Company: GreenSky, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
XXXX by XXXX SCAM! 


On XXXX XXXX, we signed a contract to install a bay window at the property address. 
Despite the excessively high price of {$11000.00}, we signed the contract and entered into a finance agreement with Greensky , LLC. 
The installation date was scheduled for XX/XX/2022 which was 4 months after the initial contract was signed. This was an excessively long wait for the window. 
Temperatures in XXXX are always well above XXXX degrees which allows seals and caulking to cure properly and for the window to be properly installed. 
On XXXX XXXX, the wrong window size was delivered to the home because the initial Renewal by XXXX representative took the wrong measurements of the window site. 
The inconvenience was addressed by XXXX with a discount as of XXXX XXXX in the amount of {$500.00} reduced from the initial price. 
The second installation date was scheduled for XX/XX/2022. When the window was delivered, it was AGAIN THE WRONG SIZE. 
The window was mis-measured TWICE by XXXX by XXXX staff XXXX The window was NEVER INSTALLED. Yet, I received a bill for {$7800.00}! This is a scam! They are taking advantage of an XXXX year old woman. This is disgraceful. The only resolution is to zero the balance of the Greensky account and apologize for wasting my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I filed a Police Report for identity theft due to several accounts that were reporting on all three of the major consumer reporting agencies. In addition, I've sent Equifax several letters, correspondence, and copy of my police report supporting my claim, with all the accounts in question listed on the police report. Since all accounts with the exception of one which is listed under XXXX XXXX still remains on my Equifax Credit Report. I sent a follow up letter to Equifax regarding this issue but have yet to receive a response. This account was previously removed and blocked from my XXXX and XXXX Credit report. Equifax continues to violate the Fair Credit Reporting Act by reporting this account which was established without my knowledge or consent to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX ( the Scammer ), which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX XXXX XXXX account to JP Morgan Chase Bank at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer or is involved in potentially fraudulent activity. 
XXXX issued International Standards on Combating Money Laundering and the Financing of Terrorism and Proliferation ( the XXXX Recommendations ), aimed at setting minimum standards for action in different countries, to ensure that XXXX efforts are consistent internationally. 
There is a long-standing obligation upon financial institutions to have necessary procedures in place to ensure the detection and prevention of money laundering, terrorist funding, and other illegal activities. 
In this case, it is perfectly obvious that JP Morgan Chase Bank could have, and should have, utilized various risk-based examination procedures and techniques, all of which are within their purview and legal obligation, and could have entirely prevented this disastrous outcome. 
Given that their client : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX was an active participant in the movement of my money, which eventually ended up with the Company, JP Morgan Chase Bank have not exercised their duties to identify this suspicions scheme in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATION/XXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXX has violated my rights. 
DEPT OF EDUCATIONXXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After several complaints against XXXX XXXX XXXX for reporting inaccurate information on my credit report. I am submitting another complaint of this company blatantly breaking the law at this point. My rights under the fair credit reporting act are being disregarded by the credit reporting agencies as well! Specifically XXXX Month after month they continue to break the law by not removing inaccurate information. There was an auto loan that was charged off. They sent the account to XXXX XXXX XXXX collection agency. Account number XXXX. On XX/XX/23 I settled the account in full for {$4300.00}. XXXX is reporting the account to XXXX that I only paid {$1700.00} as of XX/XX/23. Ive spoken on the phone to XXXX XXXX and they even have it in their system as being settled for less in the amount of {$4300.00}. So why are they reporting inaccurate information to XXXX, Equifax, and XXXX? I want the CFBP to hold them accountable and remove this information immediately. All the proof is there and at this point its clear to see there is something not right happening behind the scenes that needs to be corrected immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Paid them more that the original amount owed. 
About a year ago XXXX of 2018 i received a phone call from XXXX with XXXX XXXX stating that that I had an account in collections and in order for them to close the account i needed to make a payment. She further went on saying that I needed to pay more than the original amount, due to the interest accumulated, past due charges accumulated and a fee for having my file in there office. I knew about the account she was talking about and i went a ahead and paid them {$450.00} when the original amount was {$360.00}. They were supposed to send me a letter by mail stating that the account had been taken care of, which i never received. I call back to request one and they did send me one. The letter did not have the original creditor 's name, original account number or a signature. I did noticed that the paragraph on the letter had a different creditor name who was not the original creditor. I have had more calls from the original creditor stating that my account is still open, meaning that XXXX XXXX never sent the payoff letter to the Creditor. The original credit then passed accounts to someone else and my account is still open. I have called XXXX and I have also talked to XXXX XXXX asking her to please refund my money back and they keep telling me that they will send a letter. I told them about what i hand noticed on the first letter and out of no where they went back and changed it up. I have been dealing with them for the past year and I can not get this fixed. They were supposed to get back to me and i have no hear back from them. I have tried calling them back and they have blocked my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NY
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 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 explanation
Consumer complaint received 2023-05-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act This creditor has violated my rights. 
Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states that A consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b. A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation