BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
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: Personal information incorrect

Complaint:
I am writing to dispute the errors on my credit report. 

I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On TRANSUNION, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX GA XXXX. In addition TRANSUNION is showing the incorrect Employer of XXXX XXXX XXXX and that needs to be DELETED as well.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: AR
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 am a victim of ID theft and most companies have happily removed their listings from my credit report. The following companies just keep verfying accounts as mine and reporting them to the three bureaus as well as XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX and the Collections agency that purchased the fraudulent XXXX XXXX XXXX account. i have also been unsuccessful in getting the CRAs to block these records from 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 2023-07-05
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: Information belongs to someone else

Complaint:
My name is 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. 
XXXX XXXX and XXXX XXXX  XXXX ; INQUIRIES : XXXX Inquiry Date XX/XX/XXXX and XXXX Inquiry Date DC XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

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 2018-03-01
Company: Columbia Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Columbia Collections is on my credit report for unknown reasons. I have never agreed to do any business whatsoever with this company or any company that they represent.

Furthermore, this involves a supposed medical debt and it is a HIPAA violation for a medical provider to give medical info about me to a 3rd party, such as Columbia Collections.

If the medical provider believes that I owe them a debt then they need to collect it themselves. I never agreed to do any business whatsoever with Columbia Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Carvana Group, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
All NORMAL PAYMENT Processing {$200.00} XX/XX/XXXX Normal Payment {$650.00} XX/XX/XXXX Normal Payment {$200.00} XX/XX/XXXX Normal Payment {$300.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX Late Fee Waived {$5.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Payment Reversal - {$280.00} XX/XX/XXXX Normal Payment {$280.00} XX/XX/XXXX Late Fee Assessment - {$5.00} XX/XX/XXXX While payments will post to your account when made, it XXXX take up to XXXX hours for you to see them on XXXX. Please check back at a later date if you recently made your payment. If you have any questions about your account activity, please contact customer service at XXXX. 
Principal Only Payment {$18000.00} They only updated past due amount owe. My credit report is still showing late payments and that I owe them {$23000.00} and that is false information. Everytime I call they say they can not help me and they have nothing to do with credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 did not conduct a full investigation. Closed the complaint but did not provide the requested proof of method of verification. They sent a general statement.

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 2023-07-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit- is charging me for a gym membership during Covid. 
XXXXXXXX XXXX Someone made purchases with my information. I called the credit company about it. Now im paying XXXX for a total of XXXX to avoid a judgement on a account I never signed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This account has not been updated in a long time, 6 months, and are showing higher balances that what is update to date and is affecting you mortgage application. I have a XXXX balance and the creditor does not report accurately to credit bureaus. 

Creditor : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
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 been disputing 2 accounts from XXXX XXXX in the amount of {XXXX} and another account with the amount of {XXXX} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But experian and XXXX and XXXX always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense experian .XXXX XXXX doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TN
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: GA
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 REVIEWED MY CREDIT AND SAW THAT SOMEONE HAS APPIED FOR A CAR LOAN WITH MY SOCIAL SECURITY NUMBER. I CALL ALL OF THE CREDITORS LISTED AND NO ONE HAVE AN ACCOUNT OR MY SIGNATURE AND TOLD MY TO DISPUTE IT WITH 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 2022-01-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account is inaccurate XXXX XXXX XXXX  XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment Status shows " Paid as Agreed '' but in Experian appears " 30 Days Late '' and according to [ 15 U.S.C Section 1681-a ] its a FCRA violation. Please remove this inaccurate account 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 2023-09-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank froze my account and held my payroll funds. 
I woke up on payday and my direct deposit had not posted. I called my employer and they said they posted to my direct deposit account on file. 
Upon calling chase they said they froze my account and are closing it. There was no notice and they posted a notification the day they closed it which was the day of payroll!!! And immediately froze my funds and after XXXX hours no one could tell me why or tell me how to get my payroll. 
After 5 days they allowed me to withdraw my payroll. Still have no idea why they closed my account. Then all bills paid from this were late and rejected and caused me fees to returned payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Fortiva opened a credit card in my name without my consent. The balance in my no interest Fortiva Retail account was transferred by Fortiva to an interest bearing credit card, negatively impacting my credit score. 

On XX/XX/, an alert posted to my credit monitoring app with a Risk Level of High. I contacted Fortiva on XXXX XXXX XXXX, at XXXX XXXX I was told by both a customer service representative and a supervisor that Fortiva sent me an email stating my Fortiva retail account would be transferred to a Fortiva Master Card unless I opted out by a certain date. I never received an email prior to Fortiva opening the credit card. Furthermore, I did not explicitly apply for or authorize a Fortiva Credit Card. 

The Fortiva supervisor informed me Fortiva was allowed to open a credit card in my name because I did not opt out in time. That's not how it works.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
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: Information belongs to someone else

Complaint:
I am writing because I have noticed a variety of fraudulent accounts and fraudulent charges reported on my credit. I am a victim of identity theft and need these accounts and charges deleted to correct my credit report. I have reported the identity theft as well as the fraudulent charges and accounts that were found on my credit report to the Federal Trade Commissions Identity Theft Affidavit. Please have the following charges and accounts removed as soon as possible.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Due to my understanding my name is not XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX or have any Middle name on my identification number or social security number that illegally been fraud with the Alabama law enforcement agency database system an XXXX XXXX XXXX background check due multiple website using my personal information to claims my assets along with power of attorney that I never sign any agreement documents to any company along with XXXX headquarters platform identity thefts fraudulent paperwork tampering with records slander my name sale illegally data Cause me harm to my self try steal assets so my identity can't be verified in data systems cause fraudulent activity personal information due debt settlement agreement never received to XXXX XXXX department I hereby my personal information need to be updated in system all illegally name need to be investigated fraudulent company XXXX XXXX Alabama department of revenue commissioner failed false deeds title

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 2023-10-04
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had Federal Direct Student Loans, serviced by XXXX, that were fully discharged ( now a {$0.00} balance ) by the Department of Education XXXX DOE ) through their one-time XXXX adjustment in XX/XX/2023. However, XXXX continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last XXXX monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even XXXX shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/2023. XXXX even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when XXXX 's last feed came through, XXXX reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited XXXX 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) XXXX will continue to misreport a positive balance to the credit bureaus for the foreseeable future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
These accounts is not mine XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX These inquiries is not mine XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, remove XXXX XXXX XXXX XXXX NJ, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: JPMORGAN CHASE & CO.
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:
The bank I use is Chase, I had deposited some money into the account not long before this happen. I had several online purchase done by a person spending money in New York. XXXX individual purchases, close to a {$1000.00}. dollars. I will look for the dates on these. but in XXXX. Then another transaction accured at the same bank branch I usually go to and withdrew {$2500.00} cash. XX/XX/2023 Using my name and pin on a debit card and a license that he created with my name on it.

Company response to consumer: Closed with explanation