BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

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 explanation
Consumer complaint received 2021-03-19
Company: URS Holding, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
was contact around the XXXX of XX/XX/2021 by all tran who provided me an address and I stated that I no longer lived there and they said they sent a letter there disclosing my business to somebody else that's not a friend or family then he demanded my new mailing address which I provided to him in agreement that he would send proof that I owed the debt along bills sent from Arizona state and there was nothing of that sort included in the letter just a piece of paper stating they received the account in there office and that letter was dated XX/XX/XXXX of XXXX the debt collector XXXX XXXX with alltran education financial called me on XX/XX/2021 and kept asking me what my plans were after I told him multiple times that I no longer wish to communicate over the phone and I only wished to receive written documentation thru the mail and I was forced to hang up because he would not respect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased a phone off XXXX XXXX and used my wells fargo debit card on XXXX XXXX to pay seller who didn't send the phone and blocked me for all means of contacts I contacted the bank while the payment was still showing as pending but was dragged in forms and calls till it cleared. I filed dispute and requested refund based on card protection after bank failed to stop payment

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 2021-06-09
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
As a consumer Ive gave this corporation no permission to put this false information on my so-called credit report or have I given this corporation permission to share my so-called information with third parties. On XXXX I had noticed that XXXX XXXX XXXX company had put some false information on my so-called credit report and shared this information with third parties by the name DIVERSIFIED ADJ SVC. This is unlawful under 15 USC and 15 USC1692i As being a consumer I am want this fraudulent information taking off of my so-called credit report and I am also seeking monetary relief.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Associated Credit Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Associated Credited Services is repeatedly calling my phone. When I answer they drop the call. Im not sure why they are calling me. I have not received any notices in the US Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
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: Public record information inaccurate

Complaint:
Equifax is reporting that I filed a Bankruptcy on XX/XX/2016. I have never filed a Bankruptcy on XX/XX/2016 and I disputed it with them and they came back with a result that the information was confirmed and verified. I requested the information of who they called because they advised they called the court house to verify. Then they said well we didn't call we contacted the court via the computer system. I advise that the information is incorrect so there is no way they could have verified it. Then they proceeded to tell me they walked in to the court house and retrieved the information, so I asked again who they spoke with. Then they told me they did not have that information in their department.

I would like the bankruptcy removed from my credit report as they are reporting inaccurate information on my credit report. I allowed them the 30 days to investigate, and they did not as they just came back saying that the information was accurate. The information is NOT accurate therefore under my FTC rights, the account has to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX TRANS UNION

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 2023-07-02
Company: LEXISNEXIS
State: TX
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: Other problem getting your report or credit score

Complaint:
I requested a copy of my report on XX/XX/2023 using all my identifiable information that is on all of my credit reports. 

I received a letter stating they could not provide one as they were unable to verify my identity even though I provided my name, email, Social Security number and mailing Adress. 

I emailed on XX/XX/2023 and was never responded to. 

I believe this is an attempt to delay my report as my address that is listed is on all three of my credit reports as my mailing address. I provided my correct email, phone number and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I noticed your furnishing information on my consumer report which is confidential. I have a letter from the bankruptcy court saying they do not report any filings with credit agencies. 
According to 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This is a violation of my rights has a consumer, so delete this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Please update ASAP.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked to put a security free on my account a few months. I am not sure if the credit bureaus did that. I saw a handful of fraudulent accounts and credit inquires on my credit report without my knowledge.I contacted transunion, equifax and experian regarding these fraudelent accounts and credit inquires and they explained that i need a ftc report. I did not initiate it. None of these account transaction was done by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : JP Morgan Chase I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX 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 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 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 2021-06-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or 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 a 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 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 explanation
Consumer complaint received 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
In XX/XX/2022 I tried to file a claim on my prepaid card I never received, and I was wrongfully denied. I've been trying to get the cash back that had been taken from my account. Bank of America stated the had a " XXXX liability policy '' for customer protection on fraudulent transactions on the account. I called the claim department and I was told to periodically check back in. This was the XXXX time an incident like this had happened to me. So I waited for about a week I got a police report. Also sending in a picture via fax of my id, just like the claims agent suggested. And for it was originally denied using there fraudulent filter they had just been instructed to stop using by a federal court judge in XXXX. I had received a packet in the mail from the bank giving me a picture and information on the evidence being used to guide their decision. And it was clear that I had received an automated response because they have my id picture I sent. And it's clearly someone I don't know. I have called all year long and was told my claim was stuck in pending. And I've been lied to and neglected and been unfairly treated trying to call the claim department seeking a simple response for a conclusion for my claim and since their filter originally denied my claim I would not receive any provisional credit. I've called all year long, they originally told me it would only take XXXX days to reach a conclusion. After that time passed I was told XXXX business days. Then after that passed they only offered to put in numerous complaints on my behalf even when I ask not to, because I felt like I was closed in running into dead end after dead end, with the claims department the full calendar year of 2022 they still tell me my claim status is stuck in pending and there is no time frame to reaching a conclusion and they can take as long as they want, this is absurd. I would like for a this this to be settled. And paid finally because the claims department for bank of America is very unprofessional. And I do feel as if the members of claims do not care. I did everything I possibly to help the process and in return they play games and delay when they could simply fix the problem. 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 monetary relief
Consumer complaint received 2019-10-10
Company: K A P S & CO (USA) LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company was sold a debt for XXXX XXXX, this was a fraudulent account. XXXX XXXX has acknowledged this and I actually have an active, currrent account with them. However at some point 3 years ago they turned it over to a collection agency. When that first appeared I contacted that agency they contacted the customer everything was resolved they removed it from my credit I have the letter from them and the apology except apparently instead of deleting it they sold it to somebody else I guess so that they made some money off of the debt that they bought. Now the new company has added it to my credit report and is harassing me, I have told him repeatedly verbally and in writing that this was fraud And it has been removed twice now as fraud and they refused to do anything about it I should not have to keep disputing the same debt over and over again I am sorry they bought it that they couldnt collect on but they need to delete it off of my credit report because they just kept me from buying a house and Im really considering suing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Santander Bank under a special FHA program. I experienced some financial issues back in XX/XX/XXXX and XX/XX/XXXX where my hours for work were reduced due to weather because I work for XXXX. So during those months I had two bounced checks for my mortgage. I paid XXXX late in XXXX, paid XXXX on time and XXXX was paid on XX/XX/XXXX. When XXXX XXXX check bounced I called and a representative tried to get me to go into forbearance, I actually agreed but I did not understand all the details so I called back to cancel the program. Today I called to make my XXXX payment and was told that my checking account has been blocked due to insufficient funds transactions. The only way I am allowed to pay my mortgage now is to go to XXXX XXXX and pay almost {$20.00} fee or get a certified bank check and send it via mail. I asked the representative if this was happening because I made an error requesting forbearance? She said no it is two different processes. Then I asked why did the bank accept my XX/XX/XXXX payment and they said because it was for XXXX XXXX payment.

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