BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Dynamic Recovery Solutions, LLC
State: IN
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:
My wife left me a couple of months ago. Just recently I started getting notices from debt collection agencies over fraudulent debt that she took out in name over the last couple of years. She currently has me around {$30000.00} in debt. I have frozen my credit and tried to file a police report for identity theft, and contacted the prosecuting attorneys office, but they both told me that since we are still legally married that I can't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Cards opened in my name fraudulently. Not my cards request they be closed and removed from my credit report. Use of my credit card that was unauthorized and maxed out my card. Online purchases from my checking account not made by me. My identity has been stolen and fraudulent activity is happening using my social security number and name and date of birth.

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 2020-02-20
Company: EQUIFAX, 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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 



Please send me an updated credit report after you have deleted the inaccuracies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: S&S Physician Services, Inc.
State: TX
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:
Harvest associates has provided a deletion of credit tradeline due to identity theft. However, it has been over 2 months and their tradeline still remains.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have spent over 40 hours in last 5 months in person and on the phone but still unable to locate my {$570.00}.

Chase has given me proof of payment, but the merchant bank claims that does not prove they received it.

Amount : {$570.00} My bank : Chase Merchant bank : XXXX XXXX XXXX  Date sent : XX/XX/2021 XXXX : XXXX at XXXXI 've sent an electronic bill payment online to my HOA and the it shows debit on my account and the HOA merchant bank claims they never received the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I found out in XX/XX/XXXX from my XXXX Credit Card that someone made a purchase with my Credit Card number and paid for a hotel when i did not utilize so Discover stopped the payments and canceled my card and gave me a new one. I checked my other cards and bank account and found someone has stolen money off of my XXXX  XXXX card and XXXX XXXX cards and my TD Bank debit card. My money stolen for these others was someone using the money for gaming on XXXX. My XXXX XXXX account canceled my cards and gave me new ones and got my money that was stolen returned. XXXX XXXX has not yet fixed this problem and neither has TD Bank, the bank cost the most as {$1400.00} was stolen from XX/XX/XXXX to XXXX. I am on XXXX and haven't worked in over 4 years and on occasion in the past i did sometimes pay for gaming but not in recent months cause i was dealing with house refinance and helping my parents cause my dad just turned XXXX and mom is about to turn XXXX. During XXXX and XXXX i was given gift cards for XXXX gaming which i did use but not my credit cards or bank account cause i was trying to help my parents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Noticed several accounts that I have never done business with on my credit report. They list as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I believe these accounts have been obtained fraudulently.

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 2023-08-27
Company: Credit Corp Solutions Inc.
State: IL
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:
Ref ( a ) 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) Ref ( b ) 15 USC 1681 Section 602 A Ref ( c ) 15 USC 1681 Section 604 A Section 2 Per ref a-c, the collection agency has engaged in false and misleading practices, violating FDCPA 807 and providing misleading forms violating FDCPA 812. and per 1006.34 Notice for validation of debts the agency has failed to provide any connection with me and this allege debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions 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:
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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 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 2018-09-01
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 is missing that should be on the report

Complaint:
I've been attempting to resolve my credit file with Experian the last 6 weeks. Initially, my FICO was XXXX. Working with this agency CFPB, I've resolved 3 of 4 potentially negative Experian reflected on my credit report. In each case, Experian had misinformation regarding my file reflected ... XXXX XXXX , XXXX XXXX and XXXX XXXX . All issues were resolved with not a penny ligitimately owed from me. I have one other negative issue I've submitted to CFPB with loads of supporting documentation I believe will exonerate me from that misreporting as well. I spoke live to an Experian rep yesterday, as well as numerous times over the last 6 weeks abut my file and score. 
Experian is under reporting my existing credit by {$10000.00}, which, if accurately reflected would lower my credit ratio from 11 % to 7 %. My debt to income ratio is 1 % according to Experian. 
Given all the resolution work I've completed with all the incorrect reporting, my score now sits at XXXX with Experian. I am a small business owner and potential clients typically pull my credit score in evaluating using my company. This ridiculous low score, coupled with the absolute, unchecked, power the credit bureaus hold over so many aspects of our lives today by publishing incorrect and damning info on our credit reports borders on criminal. I've got a 34 year history of credit for mortgages, autos boats, credit cards ... ..never a late payment or collection. Experian counts this as irrelevant in their analysis on my score which is absurd as it documents clearly the fact I pay my bills on time, over an extended period of time.

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 2023-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
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:
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 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 XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

15 U S. C 1681 section 602 A States I have the right to privacy 15 US 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 litem of information other than records of convictions of crimes which antedates the 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating tc 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 2023-06-10
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 fraud alerts or security freezes

Complaint:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-07-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I contacted Chase to inform them about my identity being stolen and how i have begun to take steps to protect my identity which included filing a identity theft report with the government, putting a freeze on my credit, and starting the process of obtaining a new SSN. Chase however got back to be claiming that this is in fact my debt and that i will be held responsible for it. Not sure what brain power went into that conclusion but that was probably one of the biggest financial mistakes they will ever make as i plan on filing a lawsuit against them if they refuse to acknowledge my identity was stolen and that this is not my debt. Do they not realize when someone steals the right information they can get everything about you? Apparently not because they seem to know everything. They claim its my responsibility because they mailed correspondence to my address which doesnt prove squat that its my debt and they also said something about a phone number which literally anyone can make up on the spot. I had crackheads living at this residence and i have no idea what kind of XXXX they pulled but they are now long gone. I can easily prove my identity was stolen as i have mountains of evidence, can they back that up with a mountain of evidence that its my debt? Nah they are just money hungry and dont care about my identity being stolen and they just want money one way or another well they certainly aint getting it from me as it is not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Account Number XXXX Provider : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX requested for me to have a XXXX XXXX at XXXX XXXX XXXX XXXX. I should have had the XXXX  at a XXXX XXXX XXXX  or another local XXXX XXXX. XXXX XXXX XXXX charged me the amount of {$6600.00} for the XXXX and also {$600.00} for the required XXXX. I was not informed of this cost by XXXX or XXXX. Hence, I was not given the opportunity to decline in order to find a more inexpensive location for the scan. This is a clear violation of the Federal No Surprises Act which came into effect in 2022. After researching, I found that the XXXX XXXX could have been done for between XXXX and XXXX dollars before the insurance obligation. I have always paid my bills promptly in advance but this is unfair to a responsible customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
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:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me, but there are several accounts that were open under my name that are not mine and need to be removed. Please remove these fraudulent unknown accounts from my report. 

DEPTEDXXXX XXXX {$11000.00} DEPTEDXXXX XXXX {$3400.00} XXXX XXXX  XXXX {$26000.00} DEPTEDXXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$6100.00} DEPTEDXXXX   XXXX {$20000.00} XXXX XXXX {$3200.00} XXXX   XXXX {$3700.00} DEPTEDXXXX XXXX {$7500.00} XXXX XXXX   XXXX {$23000.00} US DEP ED XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX {$990.00} US DEPT ED XXXX {$8500.00} UD DEPT ED XXXX {$9000.00} XXXX   XXXX {$5300.00} XXXX/XXXX XXXX {$0.00} XXXX XXXX  XXXX {$430.00} XXXX  XXXX XXXX {$480.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: JPMORGAN CHASE & CO.
State: MA
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:
Signed up for a new credit card and they said it would not affect my credit score and they pulled a hard inquiry on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2020 provided a Credit Score to the XXXX XXXX XXXX XXXX a score of XXXX however less than a month later XX/XX/2020 XXXX XXXX Credit Score was given of XXXX. I haven't missed a payment on any of my accounts in 7 years my Credit Report will reflect that Equifax compromised my information along with thousands of others. I was able to remove 1 Account that was created in my name. I was never given the Credit Monitoring Service as promised in the settlement. I have written Equifax several times asking why my scores were 50 to 100 points lower than the other Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: DISCOVER BANK
State: PA
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:
I XXXX XXXX have recently identified several unauthorized credit card charges on my account. I did not authorize these charges nor have I engaged in any transactions associated with these amounts. I am deeply concerned about this situation and I request an immediate investigation into these unauthorized charges to restore the integrity of my account and ensure that I am not held responsible for these fraudulent activities. 
I XXXX XXXX hereby request and insist that these unauthorized charges be thoroughly investigated and promptly removed from my account. I expect complete transparency and collaboration from the credit card company, and I demand that all necessary steps be taken to reverse these charges and ensure that this situation does not recur in the future. I trust that the credit card company will handle this matter with the utmost urgency and professionalism. 
Please handle this accordingly, and promptly have this removed, those charges from credit card, as should not held liable, the charges where done in Texas, I live in Pennsylvania. I have addressed this issue several times and they still have not responded. Discover credit card needs to take care of this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Zelle through XXXX XXXX. This is the first time I used Zelle. I sent money to an individual expecting a product and they are not responding when I asked for a tracking number. XXXX XXXX  and Zelle and not responding to my complaints either. I got ripped off for {$220.00} and I want Zelle or especially XXXX XXXX  to reimburse me since they advertised the business Zelle. 

The individual I sent money to is XXXX  XXXX, XXXX XXXX XXXX XXXX on XX/XX/2022 at XXXX p.m.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using XXXX XXXX, Equifax, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.

Company response to consumer: Closed with explanation