BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
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: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Personal information incorrect

Complaint:
I am writing to dispute incorrect information present on my credit file, specifically regarding an inaccurate addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX, XXXX, XXXX ) associated with my credit history. I have taken all appropriate steps to address this matter directly with the relevant credit reporting agencies and the furnisher of the information, yet the error persists. 

I have attached supporting documentation clearly displays my accurate address, such as a copy of my driver 's license, utility bills, and bank statements. It is crucial that this error be rectified promptly, as an incorrect address on my credit file not only affects my creditworthiness but also poses potential risks to my personal and financial information. 

I kindly request that you initiate an investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). Please verify the accuracy of my address through reliable sources and update my credit file accordingly. Furthermore, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of maintaining accurate credit information and appreciate your efforts to resolve this matter promptly. I am committed to ensuring the accuracy and integrity of my credit history and will provide any additional information or documentation that may be required to facilitate the investigation process.

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 2021-03-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I noticed my Transunion score dropped significantly XXXX points. XXXX XXXX account removed without any prior knowledge off my Transunion credit profile. I immediately contacted XXXX XXXX and was told, " Transunion suddenly decided to remove all accounts including its hard inquiry from their files without prior knowledge to us. We have been in business for over 50 years and don't understand why this occurred. We will continue to report to XXXX. '' I informed XXXX XXXX XXXX I have not received anything in writing informing me of pending removal. She said, " We are in the midst of sending out communications to our consumers. " Next, I contacted Transunion by phone and was told the account was removed on XX/XX/XXXX by representative XXXX. I informed XXXX that " It's my right to know if any accounts are either removed or added per FCRA and that did not occur which affected my credit profile. '' The problem is my family was in the middle of making a major purchase by tomorrow for our business and now I went suddenly from good credit to bad credit without any fault of my own which is putting my family livelihood at risk during a Pandemic.

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 2018-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Back in XX/XX/2017 i placed a security freeze with Equifax since my information was compromised including my social.I recently have been trying to get a car financed and I have recently attempted to remove the security freeze more than 6 times to no avail. I have called their customer service team on at least 6 occasions and each time i get excuse after excuse. I have been told it would take up to 5 business days. Well 2 weeks later the report is still frozen. So a company can compromise my personal info with poor security procedures but can not remove the freeze from my account in a timely fashion??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I went into the chase bank and deposited my third party ch check that was endorsed to me on the XXXX th of XX/XX/2023. The bank put a hold on the XXXX and said it would be cashed on the XXXX of XX/XX/2023 and my funds would be available. I waited and it was cashed and deposited in my account. The day it was released XXXX of XX/XX/2023 the bank closed out my account and is holding my money. I've called several times to find out why they will not give me my money. They said needed 3rd party to verify. The person called to verify the check and he gave them his number. They responded with they can't verify the phone number. The phone is registered to the third party. They said it isn't. Regardless the bank accepted the check and deposited and then cashed it then closed my account. This isn't right if they had a issue with the check they shouldn't have cashed it or put in my account. Now withholding my funds and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I lived in XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX after just returning from XXXX . I am an XXXX XXXX XXXX in the United States XXXX. In XX/XX/XXXX I received new orders and began the move out process, I gave them a hard copy of my orders and had email traffic ( at the time ) with the manager at the time named XXXX. He examined my apartment and told me to have the carpets cleaned. He gave me the phone number for the company they use and I paid almost {$200.00} for the carpets to be cleaned. The day I moved out I was told to leave the keys on the counter and lock the door behind me. I emailed him and called him afterwards trying to figure out if all was good and if I owed anything more. He never got back with me, so I took that as an understanding that all was okay. In XX/XX/XXXX, I received an email from the current manager that replaced XXXX saying that I owed a debt, I informed her of the situation and she confirmed she saw the email traffic. I let her know that I would only speak to corporate and to refer me immediately. After unanswered calls and emails, I again thought all was taken care of and sorted out. I then just received a letter in the mail dated XX/XX/XXXX saying I owed even more. I am so confused, I called the collection agency and they threatened my credit, yelled out me, berated me, and told me that if I didnt pay today it would noted as a refusal and they would report me. They told me I could take a payment plan, but that the plan would only be available today. They then began to tell me they accept Visa and MasterCard. I have tried countless times to get in touch with the Apartment Complex, none of these charges are warranted. I have not lived in that apartment complex for almost a year and half. They have had my contact information this entire time. 
The Collection Agency is called ProCollect and I believe it to be a scam. I have undergone XXXX  XXXX just this year already and I was just able to go collect my mail after an emergency XXXX XXXX, they told me I have until XX/XX/XXXX and then they will destroy my credit.

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 2021-03-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 I submitted a complaint online to Experian regarding account with XXXX XXXX reason being natural diaster/covid. From my understanding investigation timeframe is 30 days. So imagine my surprise when I logged into my Experian account and saw an alert indicating my dispute reason was modified by an Experian expert and currently being reviewed. This therefore, gives me the impression that this canceled out my dispute and extended the timeframe for the bureaus to investigate. I NEVER SENT ANY ADDITIONAL INFORMATION TO EXPERIAN FOR THIS ACCOUNT. So this is unfair and illegal a pure violation. When I called the first rep hung up on me when I asked her to explain to me what documents I quote on quote sent! The next rep named XXXX was very rude with dogs barking in the background. Informed me the reason my XX/XX/2021 was extended was because of additional documents I sent. I advised her that once again I didnt send any additional documents since the original date of dispute please help me. Below Ive included a screenshot of the notification I received when I first submitted the dispute. And the other email in which they informed me a XXXX on their end decided to play with the system and reset my 30 days 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 2023-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had issues with fees with Bank of America since I became a coustomer back in 2015 and I have filed complaint and they always end up winning the dispute because I get tired I know for sure over the years and just recently I have been charged fees that shouldn't have been charged I don't know how to become a member of the class action lawsuit but I'm pretty sure the bank has definitely taken fees and made charges that are bogus I need help to clear some of these fees Bank of America Are crooks they have been stealing from consumers fir years.

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 2022-12-12
Company: National Credit Systems,Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My debt was purchased by National Credit Systems from my former apartment complex XXXX XXXX XXXX. 
When I left XXXX XXXX apartment complex, I was on a month-to-month lease and had a non-refundable security deposit that was used for cleaning and minor fixes. I paid my final month 's rent and asked the property manager if there was anything else that needed to be settled before I moved out and she confirmed that I was in the clear. 
I did not get any notice about this debt until a year after I had already moved out and it was not from Avenue, it was from the collections agency. 
My apartment was riddled with mold for several months, the apartment management knew this and neglected to inform me- I didnt learn about it until 2 months after they knew, and I only found out because my downstairs neighbor was talking about it. 
I do not owe them any amount of money and I have seen the criminal things they've continued to do to other residents since I've moved out ( it was on the local news ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Receivables Management Partners, LLC
State: MI
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 noticed a medical bill on my credit report. I disputed this bill with Allied Business Services. I send that dispute on XX/XX/2019 asking for validation of this debt. Allied Business Services responded with a bill summary but they also send a list of medical procedures. In my understanding of HIPAA laws, collection agencies do have the right to debt information but they do not have the right to medical information. Allied Business Services are violating my HIPAA rights by being in possession of my medical records and by sharing and validating my disputes with XXXX, XXXX, and XXXX with that same information. Also Allied business Services have not provided me with a HIPAA medical records release that i signed, but they are still sharing my medical information with the 3 credit bureaus. I am asking that this account be deleted from my credit report for HIPAA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: U.S. BANCORP
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:
Approx a year ago I had several accounts opened ( or attempts ) using my identity. More fraudulent transactions committed with stolen identity. All four accounts were signaled as fraudulent by the credit organizations and no accounts were successfully opened. 

Customer service at US Bank indicated they have some identifying information on whoever attempted to open accounts that could be very useful to law enforcement. Would/could not provide more details to me. 

The four accounts are listed here : Three accounts ( two checking one CC ) applied for online through US Bank onXXXX XXXX, 2021 One credit card applied for online through XXXX  XXXX on XX/XX/2021 2021

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 2023-08-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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 2023-06-12
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Social Security sent my XXXX payment to my cash app on XX/XX/23 for {$910.00}. Ssi verified it was sent to the correct account but cash app claims they didnt get it. 12 days later it hasnt been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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:
The account keep appearing on my credit. the account is removed then reinserted with a different amount owed. 2 weeks ago the account was removed with a different balance but is now reporting again. The account has been proven aver and over again to not be mine. I'm going through this every single month and every month it is removed. please remove again. Please remove and block account fedloan account number XXXX with balance of XXXX. This account is not mine. I shouldn't have to do disputes monthly 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 explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XXXX, XXXX XXXX filed a collections notice with TRANSUNION credit reporting agency for {$490.00} on behalf of XXXX XXXX. We have disputed that this account was never a credit account. It was pay-as-you-go medical account. I had to negotiate a price and pay at the end of the session. I never asked for credit. Despite this, 6 months after my last visit I received a bill for {$490.00} with no explanation. XXXX sent several letters to a different address where we were living and after requesting documentation showing why I was responsible, I never received a response. Instead they filed a collection account with TRANSUNION. Instead, every month, TRANSUNION increases the amount due by {$4.00} per month. I have disputed this technique to intentionally damage my credit rating but Transunion has always sided with XXXX without providing documentation of this alleged credit account. I was never presented documentation that shows I signed a credit account with increasing monthly balance. As a professional in the financial services industry, the medical forms I filled out did not properly disclose the creation of a credit account with an interest rate. I need your help to have this account removed from all credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: EQUIFAX, 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:
I filed a dispute with Equifax because of Identity Theft and attached a police report and FTC and they have not removed the items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Accounts : Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : Miscellaneous Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 



Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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