BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: BARCLAYS BANK DELAWARE
State: CT
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 did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery calls everyday. Calls my family. Debt that's 6 years old or more. Cussing at me. Threatened me with jail time, or to send sheriff department to my house. Judgement supposedly against me in excess of thousands of dollars aside from the debt itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I made a purchase against my will off a cruise ship in XXXX at a store, XXXX XXXX, when the sales person coerced me, promising me gifts to complete the purchase. When I got home and realized that he lied to me, I called to return the merchandise. I had already given away what I thought were gifts, therefore, I paid for those and returned the balance. 
I was told that I can only be given store credit and that I will have to contact the Finance Department, XXXX XXXX XXXX, regarding my account, which I did. To date, the matter has not been resolved. After a year going back and forth between store and bank, they finally told me that there is no records indicating that the merchandise was returned. 

I will attach a copy of the letter acknowledging receipt of the merchandise, and copy of store credit as well as the last letter I sent to the bank.

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 2023-08-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-02-07
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
There is incorrect 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 non-monetary relief
Consumer complaint received 2023-01-08
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to deposit a XXXX checks on XX/XX/2023, that I received from XXXX XXXX XXXX, and XXXX check from XXXX XXXX XXXX XXXX total amount XXXX. I was told that they would place a hold on the XXXXXXXX XXXX checks until XX/XX/2023. The check was sent through the check reader, which was verified. My understanding under XXXX XXXX XXXX XXXX XXXX it states that XXXXXXXX XXXX checks are to be made available next business day, in which was told to the bank XXXX, which in return she said, they can place a hold on any check that they want to. I told the teller that I didnt want to deposit with them, so she did give my checks back, however I have a receipt with the hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-04-23
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
My account with MB Financial Services has already been settled. The car was totaled in an accident on XXXX XXXX XXXX  and it was paid for by XXXX XXXX XXXX XXXX. The difference was covered by XXXX XXXX XXXX on XX/XX/. However there remains a balance in my credit report that I would like the credit bureaus to report as paid in full. I have attached a copy of my GAP coverage to prove that the balance was covered in full. Please have this information updated on my credit report according to FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: National Credit Systems,Inc.
State: GA
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 contact National Credit System in XXXX because they are reporting on my credit an account for {$2900.00}. I sent them a dispute letter by certified letter asking them to verify the debt. I never heard back from them. So I decided to call them. Before even saying anything regarding that account I let them know that I was recording this call. The representative proceeded to ask me my name and account number. I told them I do not have and account with them, and the number I have is of my credit report and it shows 2 X at the end. They told me I needed the full account number for them to find the account. So she ask for my social security number I gave it to her and again no account was found. She then use my name and an account came up, an account that had my partial name and a different SSN. They didnt have ANY of my information, I had to give it to them. Then told me to send them a copy of my FTC identity theft report in order for them to remove the account. I did it and still nothing. So I disputed it with the credit bureaus and and they told the bureaus they will not remove the account from my report. Ive had enough of their shenanigans, Im at the point where Ill be taking legal action and it will result in small claims legal action against them at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized hard inquiries on credit report from XXXX XXXX XXXX XXXX dated XX/XX/, XXXX XXXX XXXX XXXX dated XX/XX/, XXXX XXXX XXXX dated XXXX they inquiries were to be removed from Equifax and these credit union dont even operate in California jurisdiction to even run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: W&A Intermediate Co., LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : On XXXX XX/XX/XXXX, I became aware of an erroneous defamatory delinquent collection on my credit file reported by WAKEFIELD & ASSOCIATES in the amount of {$1000.00} which didnt and couldnt possibly belong to me at all and which dropped my credit score by XXXX  points with XXXX. 

I immediately contacted WAKEFIELD & ASSOCIATES at the telephone number indicated on my report, ( XXXX ) XXXX. 

I spoke with XXXX at approximately XXXX XXXX XXXX who informed me that the flagged collection account was from XXXX XXXX XXXX in XXXX, Tennessee. 

I explained to him that I had never been to Tennessee and in no way did I require an ambulance there. He insisted that the debt was mine and I immediately did a skip trace using the alleged address of the person with my same name and age while on the telephone with XXXX. 

At an address in XXXX, Tennessee XXXX. 

I found the individual listed at that address using or having the same name as mine but with two different middle initials. Middle initial XXXX XXXX XXXX' on the one hand, " XXXX XXXX on the other. 

XXXX then told me I would need to contact the sheriffs department and file a report to have them remove the collection account from my credit file giving me Reference # XXXX and to send them a copy of the police report via email at XXXX. 

I hung up but, then I called back minutes later and spoke to XXXX who told me that the XXXX XXXX occurred on XXXX XX/XX/XXXX with a pick-up location of XXXX XXXX XXXX  XXXX XXXX, Tennessee and a drop-off location of XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX. 

I then left my home and went directly to the sheriffs department where I was informed that I would need to contact and file a report in XXXX, Tennessee with the police there as the possible identity theft was not in XXXX XXXXXXXX XXXX XXXX XXXX 

I then called XXXX XXXX, Tennessee police and was informed that I would need to have the XXXX XXXX sheriff contact them because I live in South Carolina. 

How are collection agencies allowed to place derogatory, defamatory, and libelous information on someones credit file? 

Wakefield & Associates should have known or reasonably known that the libelous reporting of an alleged delinquent collection account to my credit file was in error causing serious harm to my reputation. 

I am a XXXX XXXX veteran that suffers with XXXX XXXX XXXX  ( XXXX ) and I dont need this mess in my life. 

I pay my bills.

Kind regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, 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 was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
BANK OF AMERICA SENT ME AN EMAIL ON FRIDAY, XX/XX/2022. STATING THAT MY APPLICATION WAS BEING PROCESS. THIS APPLICATION WAS SUMITTED ON XX/XX/2022 FOR A SAVINGS ACCOUNT. I CONTACT BANK OF AMERICA, BECAUSE I DID NOT APPLY FOR A NEW SAVINGS ACCOUNT WITH THEM. THE REPRESENTATIVE THAT I SPOKE WITH " STATED, THIS PERSON HAD MY ENTIRE SOCIAL SECURITY NUMBER. '' THIS PERSON CELL ENDED WITH 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 2018-09-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed 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 2023-08-16
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: Their investigation did not fix an error on your report

Complaint:
I checked my personal credit report, which I acquired from your organization on Experian Report XX/XX/2023 and I noticed that this Inquiries had been made and please check the lates 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 explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
It's all through the Portfolio company. my debts were canceled by the original creditor, but Im still getting notifications that I owe they took me to court and it was dismissed. I provided the company with all those information but Im still getting harassment and threat to pay the debt that a little longer oh, and Ive been forgiven to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
about 3or 4 year ago LVNV FUNDING TOOK ME TO COURT AND TRY TO SUE ME FOR XXXX THAT WASING MY I INFORMEND THEM THAT SOME ONE STONE MY ID ON BLACK WEB.AND IAM NOT GOING TO PAY FOR A CREDIT CARD THAT WASING MY.SO ON XXXX THEY SEND ME ANOTHE THREATING LETTER IN THE MAIL.TELLINME THE ARE GOING TO HAV ME AREST AND CONTACT MY JOB.AND ONTHER THREATING MASAGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX and I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Name : XXXXDEPT OF ED Account Number : AMOUNT : {$4300.00} Reason : Account is fraudulent Account Name : XXXX/DEPT OF ED Account Number : AMOUNT : {$3000.00} Reason : Account is fraudulent Account Name : XXXX/DEPT OF ED Account Number : AMOUNT : {$2200.00} Reason : Account is fraudulent Account Name : XXXX/DEPT OF ED Account Number : AMOUNT : {$2200.00} Account Name : XXXXDEPT OF ED Account Number : AMOUNT : {$1700.00} Reason : Account is fraudulent Inquiries : XXXXXXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX ( BANK ) XX/XX/2023 XXXX XXXX  ( FINANCE ) XX/XX/202XXXX 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 2023-10-18
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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