BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00} XXXX  XXXX Balance : {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: The CMI Group, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am complaining about a debt Held by Credit Management LP and originally credited by XXXX in XXXX, IL. I moved from XXXX in 2019, XXXX, and my ex girlfriend who i was moving away from had agreed to take our XXXX cable equipment to XXXX for drop off, she said she did this, and I had a picture of it on an old phone but I know it was dropped off. I have disputed this charge for years now and they keep saying it was accurate. I DO NOT OWE THIS MONEY TO XXXX, {$210.00} FOR EQUIPMENT THEY RECIEVED. i NEED THIS OFF OF MY XXXX AND XXXX REPORTS. 

THEY CAN NOT CHARGE ME FOR SOMETHING i GAVE BACK TO THEM. AND DID SO UNDER CONTRACT OF " LEASED EQUIPMENT ''. what they are doing is hurting my credit on purpose and refuse to release XXXX for equipment and services they got back after account cancelation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$68000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Because my husband passed away onXX/XX/XXXX and because we had made an over-payment on our Discover account, I spoke with Discover mid-XX/XX/XXXX advising them to cancel account and to send a check for the credit amount of {$430.00}. I have called numerous times and they are in agreement that they owe me the {$430.00} amount, but still as ofXX/XX/XXXX have sent no check. They obviously are holding on to MY MONEY as long as possible.

Since they would have charged me interest, if I had owed them the money. They should rightly pay me 3 months interest on their late payment of my money that they are holding. Every phone call to Discover ends in them telling me that they will send the money, but I have yet to get a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: FL
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:
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.

has violated my rights. Or a 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 2023-07-26
Company: EQUIFAX, 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:
I send a Dispute letter to Equifax. Equifax received the letter on XX/XX/2023. Here is my tracking number XXXX. I send them letter to investigate the Collection account. I asked them to check it on inaccuracy. They didn't do anything and my credit report shows me the same thing. I will attach the screenshot from Equifax here. They are saying that the amount of debt was XXXX $ even, however XXXX collection agency send me a letter with an amount of XXXX XXXX I don't know who is trying to fool me but this is misleading information. The Equifax told me that the account was accurate and they didn't do anything. Please remove this collection account from Equifax credit reporting agency due to false reporting. The information between Collection agency and Equifax is not matching after investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
ON XX/XX/2019 AT APPROX XXXX AMERICAN EXPRESS CONTACTED A THIRD PARTY REF. MY ACCT WITH THEM. THEY LEFT A MESSAGE REQUESTING I CALL TO DISCUSS A PERSONAL MATTER RELATED TO MY CREDIT CARD. THE NUMBER THEY CALLED WAS XXXX. THIS NUMBER IS A RELITIVE AND I DO NOT LIVE THERE. AMERICAN EXPRESS HAS MY CORRECT INFORMATION RELATED ON HOW TO CONTACT ME. THIS IS IN DIRECT VIOATION OF 15 USC 1692C ( B ) AS IT RELATES TO THIRD PARTY CONTACT. AT NO TIME DID I GIVE AMERICAN EXPRESS ANY PERMISSION TO CONTACT A THIRD PARTY REF.. MY ACCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the XXXX XXXX XXXX XXXX XXXX U.S.C. XXXX, XXXX C.F.R XXXX. See Also XXXX C.F.R XXXX XXXX b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- XXXX ACCOUNT XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I requested XXXX retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, XXXX was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with XXXX retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, XXXX should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, XXXX has yet to correct 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 2023-03-21
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:
I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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: Reporting company used your report improperly

Complaint:
XXXX XXXX Equifax is reporting a bankruptcy on my credit report, they put in the data the furnisher as being the XXXX XXXX Bankruptcy court of California which is false. 
I have attached a letter from the XXXX XXXX XXXX XXXX XXXX  verifying and stating they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify and validate any information concerning bankruptcies. 
The credit bureaus are falsely stating this information on my credit report, and have yet to remove this bankruptcy from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXXXXXX XXXX Has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previous letters i sent.

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 2023-12-04
Company: EQUIFAX, INC.
State: NJ
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:
I previously disputed several fraudulent accounts on my consumer report on XX/XX/ with Equifax, which resulted in Equifax claiming to have verified as belonging to me. I asked for copies of the documents they used in their files to verify the accuracy of these account. They was unable to supply me with any documents verifying this account belongs to me. I also sent a certified letter to The credit card company XXXX XXXX for the XXXX XXXX XXXX which they sent a letter on XX/XX/ stating I was not responsible for charges ( I will attach letter ), but Equifax continues to report this fraudulent account to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: JPMORGAN CHASE & CO.
State: TX
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:
I made payments to my Chase credit card on XX/XX/19 totaling XXXX. This has caused my account to be placed on a bank initiated hold for 7 days. I have not been able to get any kind of resolution from the bank, and I have no available credit on my account until the hold clears. This has caused me much frustration and duress, as I have had to cancel important engagements due to this issue. I feel that I am being penalized by the bank for making a payment towards my account balance. Customer service help has been near non existent, and Chase has shown a culture of showing disdain towards their customer base.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I wrote Portfolio Recovery a direct letter asking for specific information in regards to account # XXXX to their mailing disputing address Portfolio Recovery Associates LLC Disputes Department, XXXX XXXX XXXX, XXXX VA XXXX tracking number XXXX. XX/XX/XXXX XXXX XXXX received my request. 

The information I had requested is below. 

Original Date of 1st Delinquency date that occurred on the Original Creditor account with XXXX XXXX. 
Last payment made on the Original Creditor account with Capital One. 
How many days was this account LATE before the Original Charge Off date XX/XX/XXXX with the Original Creditor XXXX  XXXX. Example XXXX, Charge off Portfolio Recovery responded the very next day after receiving my inquiry request XX/XX/XXXX and Portfolio Recovery did NOT supply me with the answers I had requested. Portfolio Recovery has failed to answer to my inquiry and instead they send Statements and specify they deny any inaccuracies being reported to the consumer reporting agencies. I had simple questions and Portfolio Recovery is required to answer to my inquiry request and provide me with simple answers. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wanted to sublease my apartment, one person contacted me saying she is moving to my apartment with her new job. She sent two cheques to my address saying the company sent it for her moving cost. she told me to deposit those cheques and transfer via XXXX. I deposited two cheques on XXXX XX/XX/2021, total amount XXXX , after I transfer, the cheques got bounce back and i lost all my money. I notified Bank of America. They couldnt resolve the issue yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: OK
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 trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a natural living and breathing person ; consumer. I previously filed a complaint in regards to the inaccuracies for the accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, which appears on my consumer report. I am aware that these accounts refer to transactions and experiences which is not in accordance with the Fair Credit Reporting Act. XXXX responded that the companies verified that the disputed information was accurate as reported, and as I am not content with the results, I now would like proof of the reinvestigation which took place to confirm the accuracy of these accounts.

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 2019-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A company by the name of XXXX charged my account XXXX. I reported this as unauthorized on XX/XX/19 and My bank Bank of America refuses to issue me a credit. I have 3 overdraft fees and I can not pay my car payment. B of A is showing zero compassion they will not even issue me a partial credit to pay my car payment. Ive never been treated so badly by any financial institution. All I want is my money back. There is such a lack of compassion. I want this complaint published publicly so no one else has to suffer through this. This situation has caused me to become sick and miss work 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 monetary relief
Consumer complaint received 2023-04-22
Company: Westlake Services, LLC
State: MD
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:
Took out an auto loan 6 years ago with XXXX XXXX XXXX but loan was later bought by Westlake Portfolio Management. Loan was initially reported as being late during the transfer process due to typographical errors from the parent company which made my payment to be reported late. I made a complaint to Consumer Financial Protection Bureau and they tried their best but report still remains on my Credit. Now again, when the final payment was due as I always make my payments on or before the XXXX of every month, this same company did not hesitate to go ahead and report a final late payment again. I made the final payment of the principal loan of {$420.00} on the XXXX XX/XX/2023 which should have been {$410.00} and I made payment of subsequent late fee of {$86.00} on the XXXX of XXXX which should have brought the total payment to a XXXX balance. I called Westlake and I spoke to a lady by the name XXXX and she was very unprofessional, rude and aggressive with me. There was no communication as to when, how or what I needed to do as to the maturity of the loan and how I would proceed to obtain my Title or any information or paperwork. I have never been late with my payments even though I sometimes get close to the due dates. Right now, the balance is still showing on my credit report as {$500.00} still owed when it has been paid off. This is the only company that has a negative report on my credit history. It seems to me that they are out to get me for reporting them the first time. Please help, thanking you in anticipation.

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