BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
State: PA
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:
Experian To Whom it May Concern, Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX   account number ( XXXX ) and account number ( XXXX ) ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. Please also tell me how an account can be current if the account is closed. 

XXXX XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence from the original creditor to the credit bureau and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You 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 2022-12-28
Company: Capio Partners, LLC
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: Problem with personal statement of dispute

Complaint:
On the Date of XX/XX/2019 I was admitted to the XXXX XXXX at the XXXX XXXX in XXXX XXXX. The nearest Veteran hospital was approximately 3 Hours away in XXXX Illinois. I was charged as by the Bill, it was sent through various collection agencies. The XXXX  XXXX is now reimbursing XXXX for emergency care at non-VA facilities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TransUnion, XXXX, and XXXX have repeatedly and continuously violate my federally protected rights under the Trafficking Victims Protection Act of XXXX ( " TVPA '' ) which was mostly recently reauthorized on or about XXXX. Additionally the CFPB released rules for credit reporting agencies to follow in regard to this law in their ( CFPBs ) Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ). 
I submitted 4 documents to XXXX, XXXX, and TransUnion in accordance with the TVPA and in excess of what was required under TVPA and Regulation V. Those documents were a non-governmental organization letter attesting to my status as a victim of human trafficking, a copy of my passport, a copy of a recent utility bill, and a copy of the self-attestation letter, the template for which was provided by the CFPB. These documents were uploaded to the e-Oscar system on all three ( XXXX ) of the credit agencies ' specific websites. The documents were also mailed via certified mail to TransUnion, XXXX, and XXXX. This was done repeatedly beginning XX/XX/XXXX to XX/XX/XXXX of XXXX. To date, XXXX, TransUnion, and XXXX have not removed the items within four ( 4 ) business days as required by the federal law, TVPA. 

XXXX, TransUnion, and XXXX continue to cause me further emotional, mental, and financial damage by refusing to comply with the federal, violate my federally protected rights, and further inflict egregious damage on me by continuing to participate in my victimization under TVPA by continuing to profit from my personal information while I am under duress and suffering as victim. 

XXXX, TransUnion, and XXXX have stepped and operate unscrupulously outside of their positions as self proclaimed credit reporting agencies while engaging in profiteering at the expense of my status as a victim. THIS IS MY THIRD COMPLAINT REGARDING THE SAME ISSUE.

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 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My parents home was burglarized and a checkbook was stolen. From the checkbook there were a total of XXXX fraudulent checks written for a sum of {$15000.00}. Within a few days I was reimbursed {$4600.00}. The remaining {$11000.00} was investigated by the banks check fraud department. Ultimately my fraud claim was denied, the bank deemed the signatures to not be forged. I provided all documents including a police case number for the burglary. At this point I do not know what to do to further pursue recovery of the {$11000.00}. The bank in question is Bank of America.

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 2022-12-28
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:
Please take a look at the attached letters and ID docs for verification that it is I 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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
This in regard to an unauthorized charge of amount, {$1100.00} on my Bank of America ( BoA ) Visa credit card. I, an Associate Professor of Economics, made a hotel booking for XXXX XXXX XXXX New York on XX/XX/2023, to attend an academic conference from XX/XX/XXXX to XX/XX/XXXX. I was charged twice for this booking ( see attached credit card statement ). I immediately notified BoA regarding this and they submitted a claim on my behalf. However, BoA wrongly denied the claim on XX/XX/XXXX. They mentioned that these are valid charges as I have two separate reservations. I rebutted their decision by providing them with a copy of the email booking confirmation for my single reservation and a separate email from the merchant confirming that. BoA again incorrectly denied the claim on XX/XX/XXXX. The disputed charge of {$1100.00} is back on my card. This has been an extremely stressful process for me. I am highly disappointed how BoA is handling this case. I am being continuously harassed for something that I am not responsible for. Throughout the review process, I was NEVER contacted by the BoA claims representatives. I repeatedly visited the local BoA branch physically and had a branch relationship manager follow up on the case on my behalf as I could NEVER contact the claims department over the phone ( see attached documents for details ). I stand by my claim that I have NOT authorized two reservations. I have multiple evidence ( see attached ) that clearly show I have only one reservation. I fail to understand how my claim is being denied. The charge is still on my credit card account. My payment due date is on XX/XX/XXXX. I will have to pay the charge by then to avoid accruing interest on it and getting a negative credit report. But I am NOT acknowledging the charge.

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 2023-07-25
Company: CL Holdings LLC
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 am filing a formal complaint against Jefferson Capital, regarding their account number XXXX, for multiple violations of my rights as outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations 15 USC 1681 Section 602, 15 USC 1681 Section 604 ( a ) ( 2 ), 15 U.S. Code 1692c, 15 U.S. Code 1692j ( a ) include mishandling and improper disclosure of my personal credit information without my consent, as well as unlawful communication regarding debt collection without my prior approval. Furthermore, Jefferson Capital furnished deceptive forms during the collection process, falsely implying the involvement of a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX : I opened a 24 months 0 % interest account was XXXX in XX/XX/2022 for a XXXX present I was buying. Two payments were paid directly XXXX from my bank for XXXX and XXXX and then suddenly in XXXX they stopped making the auto withdrawals. Nothing was changed with my banking and nothing was changed in the portal with them for payment. This was a glitch through their system. I was never informed that the payments were late or that the payments were stopped from withdrawal standpoint, and noticed on the account was already 60 days past due that there was an issue on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian, There is incorrect personal information on my latest credit report that needs to be corrected immediately as its damaging my ability to obtain credit. 

Please see attached : - drivers license - social security card - address - complaint letter

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 2023-05-11
Company: EQUIFAX, INC.
State: MI
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:
my information was linked with all of my personal information from a data breach and credit accounts were opened and it is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING LLC ( XXXX XXXX XXXX XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing this complaint to TransUnion Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I 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 2023-01-09
Company: Experian Information Solutions 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:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2022-01-17
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My USA government and state checks have been signed with a computer and printer, then deposited in accounts in which I have no access. Chase Morgan Bank- XXXX XXXX XXXX XXXX XXXX Ohio , USA has been active in covering up an embezzlement scam since 2020. No cooperation with myself or federal agencies has taken place. 

XXXX XXXX and his manager of Chase Morgan Bank- XXXX XXXX XXXX XXXX XXXX Ohio XXXX USA seem to have changed bank accounts in response to complaints and federal investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX around XXXX XXXX I revived a message stating that my debit card account was being added to XXXX XXXX ( the message was from my bank ). Soon after I received a call from the exact number of the chase headquarters. I missed the call and soon got another call that I answered assuming it was important. I was told on the call that I was getting a call from the chase fraud department and there was fraudulent activity occurring on my account involving someone trying to add XXXX XXXX to their wallet, and if that action wasnt me to press 1, then later in the call I was asked to variety to make sure it was me and gave them a the code they sent me. After the call my account containing a little under XXXX dollars was completely wiped. Soon later on XX/XX/XXXX my account was over drawn XXXX dollars. I had previously upon creating my checking account activated the feature chase overdraft assistSM which prevents your account from being overdrawn past XXXX dollars. Despite that feature being activated the next day following XX/XX/XXXX I get another email stating that my account is now overdrawn XXXX dollars. I have also yet started that on XX/XX/XXXX after the first incident I had closed my account to prevent any other charges. Upon filing the claim I was told the money was being reversed and would be given back to me. Unfortunately soon after receiving my full amount of money back into my account on XX/XX/XXXX my account was get drained again. I go to chase just to find out that theres absolutely nothing they can do because on that fraudulent call I authorized that money to be taken out of my account despite being lied to and the caller ID being exactly the one from chase headquarters. I have been taken advantage of and need to figure out a solution to my problem. A police report /fbi investigation was submitted and is attached to the complaint Thank you for youre time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 List of accounts below has 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 XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: VA
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:
There are Inquiries that are reflecting on my credit report that I have not authorized.

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 2021-09-07
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), MACYSs claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor

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