BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: CA
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:
In 2015, my son, XXXX XXXX XXXX, asked me to co-sign his lease with XXXX XXXX XXXX, which I did. After this 12 month lease EXPIRED, my son signed a NEW LEASE. He did not ask me to co-sign on this NEW, 12 month lease. As a result of situations which I am not aware of, my son, XXXX XXXX XXXX, moved out and early terminated his lease with this company. If he does owe money for moving out before his 12 month lease was concluded, then that financial obligation is not mine. Now, it appears XXXX XXXX, purchased this/his debt, I did not CO-SIGN as responsible for the debt my son incurred with his 2nd lease with XXXX XXXX. I feel EXPERIAN and XXXX  did not OBTAIN certified or LEGAL documents from XXXX proving I CO-SIGNED for this debt, and continually inform ME, without proper documentation and a competent thorough investigation that the debt is valid. I do not owe 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 2022-05-14
Company: EQUIFAX, INC.
State: NY
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. 

15 usc 1681 states : I the consumer have the right to privacy. 

Pursuant to 15 usc 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have never given any company written permission to furnish a report about me. 

Pursuant to 15 usc 1681c : no consumer reporting agency may make any report containing any adverse action other than convictions. 

15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any CRA if the person knows or have knowledge that information is inaccurate. 

Pursuant to 15 usc 1635 if a consumer contacts the creditor within the allotted time the consumer has no liabilty for contract. 

DELETE ACCOUNTS THAT VIOLATE MY FEDERAL RIGHTS BELOW. 
XXXX XXXX ACCT NUMBER XXXXXXXX XXXX XXXX- agreement number XXXX I have no contract with this company. please provide a contractual agreement between XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
This is continuing w the last complaint. That it is paid in full, they are ruined my credit, pay me XXXX for violation of fair credit act. They sold it too another collection agency now, never took off reports. Angry, happened to me 20 years ago w XXXX, paid in full and took me too court and ruined my ID and credit, never cleared in 20 years w bank of American, XXXX and debt collector. Angry. History should not be able to repeat itself w you around. Angry and Upset with Bank of America.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

15 usc 1681 states : I the consumer have the right to privacy. 

Pursuant to 15 usc 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have never given any company written permission to furnish a report about me. 

Pursuant to 15 usc 1681c : no consumer reporting agency may make any report containing any adverse action other than convictions. 

15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any CRA if the person knows or have knowledge that information is inaccurate.

Pursuant to 15 usc 1635 if a consumer contacts the creditor within the allotted time the consumer has no liabilty for contract. 

DELETE ACCOUNTS THAT VIOLATE MY FEDERAL RIGHTS BELOW. 
XXXX XXXX ACCT NUMBER XXXXXXXX XXXX XXXXL- agreement number XXXX I have no contract with this company. please provide a contractual agreement between 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 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/23 I issued a XXXX TIME XXXX dollar XXXX payment to my mother which had gone through successfully. However upon reviewing my account on XX/XX/23 I get a notification of a duplicate XXXX payment on the same day even though I only sent XXXX payment and there was no issues sending the payment. I contacted both Chase and XXXX and they're giving me the run around and saying they can only submit a case to be reviewed. This is unacceptable as an overcharge shouldn't happen at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: DISCOVER BANK
State: NV
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 obtained a settlement with payment of {$2300.00} and Discover takes 30-45 days to report it to credit bureaus. We are trying to buy a home and we need this reported efficiently. The company is quick to send negative information to credit bureaus but slow in reporting settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: NC
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:
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023

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 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account 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 XXXX XXXX : {$560.00}

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 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just reviewed my credit report and noticed several inquires that i did not authorize and it has caused my credit scores to drop big 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 2020-06-10
Company: Rocket Mortgage, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had taken out a 10 year mortgage with Quicken Loans. I was fortunate to pay down my loan quickly and use savings I have accumulated to pay the loan down in the month of XX/XX/XXXX to a principal amount to be satisfied with my final regular scheduled payment in XX/XX/XXXX. XX/XX/XXXX came and Quicken did not pull the final payment that was scheduled to be paid by automatic payment and they forced me to have a payoff statement printed when I called in to inquire why. They took my final payment over the phone but charged me {$25.00} for printing a payoff statement that was totally unnecessary. I believe this practice is in place to avoid Quicken sending numerous statements to 3rd party lenders to compensate them, but after getting a call each day asking about a refinance I think the fee is so they can pay folks to harass me as to my intentions with payoff the loan and solicit me for borrowing more $ circ 2000 's  companys pushing sub prime loans. Since I paid this loan off in the ordinary course of payment NOT REFINANCE why should I have to pay {$25.00} to allow Quicken to simply pull the regularly scheduled payments when due which have brought my loan to {$0.00}. I am ok with them charging me {$55.00} to send the satisfaction piece to my recorders office as this is a direct charge, but this extra {$25.00} is due back to me and all other borrowers that were able to payoff their loans in the ordinary course of servicing not through a refinance with another lender which is what the {$25.00} is meant to do. Otherwise Quicken needs to clearly disclose to customers that their last payment in the amortization will be increased by {$25.00} to pay them a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following inaccurate address. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PR 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 2023-06-02
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
purchased few gift cards on XX/XX/XXXX. When opening the package it turned out that 4 digits of the cad number had been manually removed ( probably by a scammer ) and the magnetic stripe somehow deactivated which prevented me to use the card. 

Fortunately I noticed it really fast and was able to call the number on the back of my card to ask gift card issuer to immediately block my card and send me another one. 

It has been almost 3 months now, and I haven't received anything nor they have replied to any of my follow up emails

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # XXXX, has violated my rights. 

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.

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 2021-08-06
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have 2 medical bills being reported by this collection agency to XXXX. When I attempted to pay the balances on these accounts last year, I was told by the agency that they no longer held the accounts and could not accept payment. I contacted the medical provider directly and they advised the balance was paid with a credit and nothing was owed. The collection agency continues to report the accounts to XXXX  as paid ( they were removed from XXXX and XXXX ) despite the fact that these accounts no longer existed with them and they did not accept payment. They're also reporting themselves as the client and not the medical provider. I spoke with supervisor XXXX at the collection agency who advised they would remove the accounts from my report with XXXX but they have failed to do so despite repeated phone calls.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am reaching out to contest the presence of a credit account linked to XXXX XXXXXXXX XXXX ACCOUNT # : XXXX within my credit report. My involvement with this account was solely as an authorized user, and I did not grant permission for its inclusion in my credit history. This non-consensual reporting contradicts the provisions outlined in 15 USC 1681 Section 602 ( a ) and 5 USC 1681 Section 602 ( a ) ( 2 ). 

I am formally requesting the immediate removal of this unauthorized account from my credit report. Its presence is having a detrimental impact on my creditworthiness, hindering my ability to explore financial opportunities. 


Sincerely, 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 2020-06-10
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debit HUNTER WARFIELD is holding for XXXX XXXX XXXX in XXXX, TX. Is FRAUDULENT, first and foremost XXXX XXXX is being investigated by the FTC for fraud ( FTC report number XXXX ) and the debt is being increased by HUNTER WARFIELD monthly WHICH IS ILLEGAL! You can't have the amount keep going up on a broken lease for an apartment and I dont live there anymore!!! I havent lived in that apartment complex for 2 years and the debt collection company keeps raising the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/2022, Citibank closed my bank due to fraud concerns. They gave me no explanation or contacted me before closing the account. I have several accounts with other banks, I have no idea what those fraud concerns would be. 

When they closed the account, they sent me a letter saying I would receive a check with the funds in my account as of closing in XXXX to XXXX  days. More than XXXX XXXX  have passed and I have not received any of the funds in my account. I keep calling their customer service and they say they are following up but still no response as to the whereabouts of my money.

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 2022-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Incorrect payment history reported, In accordance with the fair credit Reporting act 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 a 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 credit plan as late for purpose.

Company response to consumer: Closed with explanation