BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$800.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$410.00}

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 non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous.XXXX and Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates 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 2023-06-22
Company: Elite Financial Services, Inc (MA)
State: VA
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:
Hello..so I signed up with a debt collector ( Elite Financial ) they ensured me that if I signed up with them for 3 years at a payment of XXXX $ per month..that they would take care of my XXXX creditors ... I've made 33 straight payments over XXXX dollars an my creditors are saying they haven't received any payments..I call Elite several times a day an they keep giving me the run around so I need to know what's my step..Thank you so much

Company response to consumer: Untimely response
Consumer complaint received 2022-05-24
Company: VW Credit
State: MN
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:
COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

VW CREDIT ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accordance with the Fair Credit Reporting Act.List of accounts below has viollated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. section 602A 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 instruction 1.XXXXXXXX XXXX  ACCOUNT # XXXX 2.XXXX  XXXX  ACCOUNT # XXXX 3.XXXX  XXXX ACCOUNT # XXXX 4.XXXX ACCOUNT # XXXX 5.XXXX  XXXX ACCOUNT # XXXX 6.XXXX  XXXX XXXX  .ACCOUNT # XXXX 7XXXX XXXX XXXX ACCOUNT # XXXX 8.XXXX XXXX XXXX  ACCOUNT # XXXX 9.XXXX ACCOUNT # XXXX 10.XXXX  XXXX  XXXX # XXXX ALSO # XXXX ALSO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX I sent a certified letter to Experian and XXXX   to dispute a collection that was reported on my credit report by XXXX XXXX XXXX XXXX for the amount of {$340.00}. XXXX XXXX XXXXXXXX XXXX started reporting it to Experian and XXXX  XX/XX/XXXX. I have challenge the accuracy of the dispute with Experian and XXXX. XXXX has followed my request to delete the collection off my credit report. Experian sent me a letter reapplying back to me as a valid debt. I have requested in my letter to them the accuracy of this account and to show me documentation of the debt and my signature on any contract. They have not provided me anything show that the debt belongs to me. I have talken to XXXXXXXX XXXX XXXX XXXX over the phone about the debt on XX/XX/XXXX at XXXX again as to what they have for proof that the debt belongs to me and the dispute department has no proof it belongs to me. So how can Experian say that the collection is Valid, accurated and has been Verified.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither 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 accounts. I have no knowledge of this and All is being investigated by the 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 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accordance with the Fair Credit Reporting Act.List of accounts below has viollated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. section 602A 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 instruction 1.XXXX/XXXX  XXXX  ACCOUNT # XXXX 2.XXXX  XXXX  ACCOUNT # XXXX 3.XXXX  XXXX ACCOUNT # XXXX 4.XXXX/XXXX  ACCOUNT # XXXX 5.XXXX  XXXX  ACCOUNT # XXXX 6.XXXX XXXX  XXXX  .ACCOUNT # XXXX 7XXXX XXXX XXXX ACCOUNT # XXXX 8.XXXX  XXXX  XXXX  ACCOUNT # XXXX 9.XXXX  ACCOUNT # XXXX 10.XXXX XXXX XXXXXXXX # XXXX ALSO # XXXX ALSO 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 2021-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am well aware of your statements XXXX XXXX XXXX at Bank of America and you were clear in your response when you mentioned that you need the loan number and the only loan number " off the top of my head '' that I thought of is my Mortgage Loan at XXXX XXXX XXXX XXXX, MI XXXX Loan Number XXXX paid off XX/XX/2017. Please provide any and all records to the CFPB about the loan number you requested.

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 2021-10-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WAS A TENANT AT THIS APARTMENT COMPLEX XX/XX/XXXX TO XX/XX/XXXX. I SUBMITTED MY LETTER TO THE APARTMENT MANAGER WHO WAS XXXX AT THAT TIME THAT I WAS MOVING OUT XX/XX/XXXX, SINCE THE SIGNING ON MY HOUSE WAS XX/XX/XXXX. I ASKED WAS THERE A BALANCE ON ANYTHING I OWED AND WAS TOLD NO I DID MY WALK THROUGH WITH THE APARTMENT MANAGER XXXX AND HANDED OVER THE KEYS. FOR A WHOLE YEAR I HEARD NOTHING I HAD GAVE HER MY UPDATED ADDRESS SO MY DEPOSIT COULD BE MAILED OUT. I NEVER RECEIVED ANYTHING IN THE MAIL FROM THE APARTMENT COMPLEX, FROM THE STATE ( COURT ) FOR OWING A BALANCE, HAVING AN EVICTION, NO DAMAGES OR ANYTHING FAST FORWARD TO A YEAR I HAVE A COLLECTION ON MY ACCOUNT AND SPOKE WITH THE APARTMENT COMPLEX AND THEY COULDN'T ADVISE ME NO INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A XXXX account was open in my name without my knowledge. I do not have XXXX I have dish and the address that's on the account does not match my physical address where I actually live. They wouldn't tell me what the address was that was on the account even though they said it did not match. They kept asking me to tell them what was the address that was on the account and I told them I don't know because I did not open that account how could I know what address that was on the account if I did not open and also they kept transferring me to different departments and no one would help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I use mobile deposit for the workers comp checks as Ive done for past 5 months. This one was returned and without my knowledge Citibank closed my account and deemed it fraudulent. The amount was XXXX the same amount that has been going In every other time. I have money in my savings account and how am I to know the sender of check out a stop payment on it. Nevertheless my bank never informed me that there was an issue as well as never contacted me. I went to use my debit card and it didnt work. Tried to access my mobile app and it was closed down for access. I proceeded to the bank branch where they informed me to call fraud prevention. Thats when I learned of the incident. Ive had loans with this bank in the amount of XXXX dollars paid back in full. I was much later sent a new bank card and other correspondence now stating there is an investigation. How is this a practice? Why not give the customer the opportunity to correct a mistake obviously made by the sender of the check. Now they are calling asking when can I make up the XXXX balance left from the returned check. Im really concerned about this going on my credit report as well as my name linked to fraudulent activity with a banking institution. Please help

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 2015-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery is violating multiple sections of the FDCPA by falsely communicating information about an alleged, unvalidated debt to consumer reporting agencies. Additionally, the debt they are alleging to be mine is beyond the statute of limitations for legal action in the State of New Hampshire so I believe their erroneous reporting is an intentional tactic used to frustrate my attempts at obtaining credit in an effort to get me to simply pay their terms to " clear up '' my reports. 

To wit : Portfolio Recovery is reporting an account with a balance of {$720.00} on my consumer reports. They are reporting themselves as the Original Creditor, are claiming the account as a " Revolving Credit '' account with " 1 Month '' terms rather than as a " Collection Account '' and are reporting continued late payments on a monthly basis as though I had a monthly payment agreement with them ( I do not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
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 have carefully reviewed my credit report in Experian, XXXX and XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had opened a Chase small business account on XXXX A XXXX XXXX XXXX XXXX check of {$19000.00} was deposited in my account on XXXX. The amount was deducted from XXXX account of the maker of the check and a credit was shown in my account. 

Chase removed the deposit from my business account on XXXX and closed the account without giving me any reason. 

Chase have not returned the {$19000.00} that was deposited in my account to me, nor have returned the money to the XXXX bank. 

I have made multiple visits ( more than 5 times ) to Chase branch and called them on phone several ( more than 30 times ) times. Throughout the month of XXXX Chase representatives have repeatedly assured me on the phone that I shall be getting the {$19000.00} check in mail in the coming two or three business days but nothing was sent to me. 

On XXXX Chase representative told me on the phone that Chase has never received any money from XXXX and that they can not give me anything. Chase is also not willing to give me anything in writing or share any details as to what happened to the funds that were deposited in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Target Card Services Credit reporting dept Account Number : XXXX Im writing to ask again to look into the XX/XX/XXXX and XX/XX/XXXX missed payment that Target has reported to the credit bureaus. I am trying to apply for a home mortgage for my family of XXXX and it's come to my attention that Target still has not corrected these late payments. 

I understand my financial obligations, I have had this target card for several years as you can see and have never missed a payment so it was a shock to see these on my credit report. I spoke to a couple different Target Representatives over the phone which I'm sure you can pull the phone calls from XX/XX/XXXX through XX/XX/XXXX and I even have online messages speaking to representatives. They assured me if I paid more than the amount owed it would cover the NEXT monthly payment and that monthly payment would be XXXX. I also asked to change my due date to the XXXX on XX/XX/XXXX, target online messages stated they would change it to the XXXX of the month but yet it was never done so you reported XX/XX/XXXX as 30 days late when it was not. 

I know you have to report accuracy to the credit bureaus but these should not have been late especially when I was told if I made an extra payment or double payment in that month it would be applied to the following months. As you can clearly see on the attached document that I made a payment XX/XX/XXXX, you applied it to my XXXX payment and then I made another payment XX/XX/XXXX and you applied it to my XXXX payment coming up and I have a XXXX balance owed for XXXX. So this is true for the other months prior. So the XXXX late payment reporting is simply not true. 

Here is a break down of payments : XX/XX/XXXX - payment of {$210.00} for XXXX and XX/XX/XXXX ( XXXX was NOT 30 days late ) XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$80.00} for XXXX payment ( this payment was late but NOT 30 days late ) XX/XX/XXXX - payment of {$120.00} for XXXX payment XX/XX/XXXX - payment of {$400.00} for XXXX payment XXXX - XXXX balance owed XX/XX/XXXX - went ahead and paid an extra {$50.00} which Target applied to XXXX XXXX - XXXX balance owed XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XXXX - XXXX balance owed XX/XX/XXXX was not 30 days late because it was due XX/XX/XXXX and I paid it XX/XX/XXXX. 

Please fix these XXXX late payments to show not 30 days late, as you can clearly see I was told the extra payments would go into the next month AND I have proof as Target did just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They removed almost everything else but the inquiries

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 2023-05-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX : Inquiry date : XX/XX/XXXX ; Removal : XX/XX/XXXX Appeared on report : XXXX XXXX XXXX XXXX NY XXXX Address ID # : XXXX Type : XXXX XXXX  code : XXXX ( Info is attached ) ========================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove from all 3 bureaus immediately> DEPT OF EDUCATION/XXXX  Balance : {$2400.00} DEPT OF EDUCATION/XXXX Balance : {$5800.00} DEPT OF EDUCATION/XXXX Balance : {$5800.00} Total balance : {$14000.00} ========================================================= *** Please remove fraud alert from all 3 credit bureaus until it's requested again ***

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