BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: CO
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:
Ive had MULTIPLE identity theft issues since the Equifax breach in XXXX ( which I was a victim ) including : fraudulent attempts of person ( XXXX ) using my SS # & other personal information to file a XXXX unemployment claim ; open a XXXX XXXX Bank account ( XXXX ) ; file my XXXX Federal Income Tax returns in attempts to obtain a refund ; attempts to withdraw hundreds of dollars from my current bank account ( XXXX ) ; multiple breaches of various email addresses, phone numbers, passwords, & just about every other piece of personal information you can think of. Ive also had multiple breaches of various medical accounts. You name it, Ive been a victim. Yes, Ive done EVERYTHING recommended ( short of changing my SS #, which in & of itself would be a HUGE ordeal to change ; plus, theres no guarantee it would help anyway, according to the SS Administration ), to stop these breaches & identify theft issues, but since ever since the XXXX Equifax breach, it keeps occurring. 
Since XXXX, a collection agency claiming I owe {$110.00} XXXX XXXX, Inc.appeared on all three of my credit bureau reports : XXXX, XXXX XXXX Equifax, ruining my perfect credit score. Despite MULTIPLE attempts to reach the original creditor ( XXXX ) Im unable to reach them. When I call them, they require an account # to proceed with the call & of course, I dont have an account # because I dont use XXXX & the {$110.00} is NOT MINE. Ive also tried to validate the debt with XXXX XXXX XXXX XXXX. They do not respond. So, after disputing the collection on my XXXX XXXX XXXX reports, both agencies removed it. Equifax refused to remove it, despite my dispute that it isnt mine & very likely has something to do with my ongoing identity theft issues. I call Equifax to explain the situation & the rep who answered was USELESS. She had NO CLUE how to help me, put me on hold forever & then I was then transferred to Equifax XXXX!! I live in the U.S.! I dont know what to do at this point to get Equifax XXXX who likely caused my identity theft issue in the first place, to remove this collection agency from my Equifax report. Please help. Ive run out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing in response to the account appearing on my credit report. According to that record, I have an account with them that is erroneous. By Section 1681 ( g ) they must grant me a brief description of the method that seemed to validate that the account listed below is " correct ''. XXXX XXXX XXXX XXXX Account Balance : {$31000.00}

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 2023-05-08
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed XXXX XXXX XXXX XXXX XXXX XXXX that I wanted a little more explanation on, and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



FRAUD ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX delete it from my credit report, XX/XX/2023 Thank you for your time and help in this matter. Sincerely, 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 2018-11-14
Company: JPMORGAN CHASE & CO.
State: NC
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:
Purchased a service through a vendor called XXXX. Was over charged for the service according to the price advertised for a similar service in the contractors reviews. The vendor would not give me a refund or adjustment, so I disputed the transaction on XX/XX/XXXX. Per the vendor, I had to wait until the charges actually posted on my credit card. Contacted the vendor on XX/XX/XXXX after the transaction posted. 

So far, the dispute is unresolved. I have received several letters from Chase bank that have conflicting information. The first letter advised that I needed to provide the same information that I provided on the dispute form online. The second letter advised that I did not need to send information. A third letter stated that the charge was legitimate, however, the dispute is still outstanding. 

I work in the mortgage industry, and am trained in recognizing fraud. The letters all appear to have varying font sizes, different nomenclature for the representatives signature, and one letter has " Page 2 '' on the back on the first page. Appears to have been printed off of a personal inkjet printer. 

Also sent a message to Chase via their secure message center on XX/XX/XXXX asking for a status and timeline for completion. Did not get any specifics. Typically a dispute does not take this long, it's approaching 90 days and I do not feel as though the charge is valid for the service provided. 

The amount is {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is in violation of consumer rights by reporting a fraudulent account on my credit report. I do not recognize the account listed below and request it be removed from my credit report. 

XXXX XXXX XXXX Date opened was XX/XX/2016 Account Balance {$9800.00} The account listed is fraudulent and unverifiable. I am requesting it be permanently deleted from my Experian 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 2023-10-03
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX  - XXXX This information that I show here shows some late payments and I never had a late payment

Company response to consumer: In progress
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus 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 update the following accounts completely from my Credit Report : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX Balance : {$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 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX and XXXX. XXXX, XXXX, Bank Of America, on XXXX. XXXX, XXXX, XX/XX/XXXX and on XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2600.00} XXXX : XXXX XXXXXXXX XXXX XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1800.00} TRANSUNION : XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-07-10
Company: EQUIFAX, INC.
State: MO
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 my XXXX credit report dated XX/XX/XXXX I have 3 collections accounts as follows XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} Balance updated XX/XX/XXXX .... 

XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX BILLING {$66.00} Balance updated XX/XX/XXXX None of these accounts are listed as medical debt, they are listed as collections, XXXX XXXX usa is listed as a charge off account and on XXXX credit report has the account listed as a profit/loss writeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Great American Finance Co
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I noticed that my credit score had dropped almost XXXX points in the span of a month without any significantly new activity to my knowledge. When i checked my accounts via XXXX 's website, it listed a new account with " Greater American Finance '' opened in XXXX that I had never opened. There were late payment fees for a sum of greater than {$4000.00}. I had never reached out to this company before. When I was finally able to speak with a representative from Greater American Finance on XX/XX/23 and reported fraudulent activity, they told me to file a complaint with the police, with the credit bureau, and to send them copies of my photo ID and proof of address. They also told me the address I provided for them was not what they had on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-11-22
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company that called me was Ability Recovery Services. I left several messages for a supervisor to return my call. 

On XX/XX/XXXX and XX/XX/XXXX the phone # XXXX called me and they hung up when I answered the phone. On the XXXX I called the number back and they gave me my name and an address asking me to verify the information. I told them they needed to identify themselves before I gave them any information and she hung up on me. I figured it was a scam. 
On XXXX XXXX I received a call where the caller did the same thing- say my name and an address and asked me to verify that information without identifying themselves at all. When I told her I would not give her any information until I knew who she was she identified her company as a debt collection agency ( did not give the name ) - and did finally say her attempt to collect a debt disclaimer. She quickly listed 2 debts and became rude when insisting that I needed to pay them immediately. When I told her that it was the first time I had heard about these particular debts and I was not ready to pay them today she said to me " It 's not like it 's going to matter, your credit is terrible anyway if you want to know what they are check your credit report next month, '' and she hung up on me again. I called the number back immediately and asked to speak to a supervisor. I was told that a supervisor was not available, but I could leave my name and number and someone would call me back. They did not. On XXXX XXXX I called again to speak to a supervisor. The person that answered the call put me on hold and then picked up the phone again and gave the name XXXX XXXX but it was OBVIOUSLY the same person I had just spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX Citizens XXXX XXXX Citizens XXXX XXXX, RI XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Promotional Offer Demand Letter One Deposit Checking XXXX To Whom it May Concern : On XX/XX/XXXX, I applied online for a YourStyle Checking at Investors Bank in response to a promotional offer to earn {$25.00} per month for 10 months. Investors Banks was subsequently acquired by Citizens Bank and my YourStyle Checking was converted to a XXXX Deposit Checking. I met all offer terms but have not received my final payment of {$25.00}. 

Now, I respectfully demand that Citizens Bank pay the outstanding bonus of {$25.00} and close the XXXX Deposit Checking. 

Otherwise, this matter will proceed to trial with all costs and fees taxed to Citizens Bank. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX Re : Credit Acceptance Violations of FCRA, Usuary and Truth in Lending Laws To Whom It May Concern : I am writing regarding my Auto Loan Account with Credit Acceptance Corporation. This lender has violated the Truth in Lending, Usuary Laws and has been reporting inaccurately on my account that displays on my credit report which violates FCRA Regulations. 
I financed a XXXX XXXX XXXX in XX/XX/XXXX. The initial balance financed was {$23000.00}. 
The current balance now as of XX/XX/XXXX is {$22000.00}. Next month will be a year since Ive been paying on the loan and my total balance has only been reduced by {$1200.00}. 
For starters, Credit Acceptance has violated XXXX Usuary Laws by charging me over 16 % in interest for this loan. My rate is at 19.99 % annum. This is predatory lending. 
They gave me an option to make payments bi-monthly on the XXXX of each month and the XXXX of each month based on when I got paid when I signed the contract but still continue to charge me late fees each month after the XXXX of the month. Why set up this arrangement if late fees will be incurred. Even though, I have made several full payments within 30 days, they report my account 30-60 days late because of late fees. 
This lender does not look out for the best interest of the customer. 
Furthermore, 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) has been violated which states in Subpart C : ( 3 ) Subpart C relates to closed-end credit. It contains rules on disclosures, treatment of credit balances, annual percentage rate calculations, rescission requirements, and advertising.

Credit Acceptance is telling me that my current pay-off is good through XX/XX/XXXX is {$22000.00} but is not fully disclosing how they came to this pay-off amount based on the payments Ive made for almost a year. This is a violation of Regulation Z pertaining to installment loans and closed-end credit. I called Credit Acceptance on XX/XX/XXXX after receiving a payment history statement. The representative assured that everything was correct and there were no violations. I noticed that my initial balance on the statement had been {$39000.00}. This is the total balance I would pay after 66 months but I am being charged the full interest and priciple combined. 
I am requesting that my account be reviewed and that this situation be rectified within 30-days according to FCRA regulations. I have attached, a payment history and my initial contract for this vehicle. 
Respectfully, XXXX XXXX Cc : Credit Acceptance Corporation

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 2019-10-23
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I receive 2 or 3 phone calls every day since early XXXX, my references receive calls. I will gladly satisfy this debt however even after 1st telling them the calls haven't stopped as though they are going to intimidate me. If the calls stopped for just 3 or 4  days I would satisfy my obligation but not because they keep calling me as well as my references.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Old information reappears or never goes away

Complaint:
My Previous Complaint XXXX After sending XXXX XXXX XXXX XXXX and Equifax my XXXX twice they are refusing to let me verify my own identity. Equifax has acquired and are furnishing incorrect information and fraudulent data and fraudulent information participating in willful negligence which is stopping me from recovering from identity theft, barring me from financial products and hindering living arrangements due to keeping inaccurate and incorrect old, outdated information on my credit report file, this is my XXXX time trying to figure out how has my name, address, social gets changed without me ever knowing and then they not allow me to correct my own information, it's insane!

Company response to consumer: Closed with explanation