BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: Media Collections, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been contacted by a debt collection company ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX to collect a debt to XXXX XXXX This is not my debt, when I called XXXX XXXX with the account number nothing came up on their end, so I believe this XXXX be a fradulent attempt to collect a debt that I had no incurred. 

Additionally, I was contacted by XXXX of XXXX, somebody used my drivers license number and information ( but an incorrectly spelled name ) to rent equipment that was not returned. I have never rented from XXXX so I believe my identity has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: National Credit Systems,Inc.
State: NV
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:
XXXX apartments located in XXXX XXXX in XXXX, WA sent my move out statement to my old address they were updated on my new address. They did fraudulently report inaccurate credit information to national credit systems in XXXX GA to the tune of over {$3800.00}. Which was reported to the credit bureaus. This caused a major credit drop, credit denial, and eventually a very high interest rate to secure a car loan I desperately needed. I am a 1099 worker and I use my car for my employment. XXXX offered to remove the file from my credit, neither XXXX or national credit systems has to this day not removed this account from the bureaus. I also reached out via demand letter, neither have not offered any financial loss recovery and have not responded to my demand letter. I am taking them to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: CT
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/2022 I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XXXX/XXXX/2022, Balance : {$380.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 we while on vacation in XXXX we stayed at the XXXX XXXX XXXX, were corned into a travel membership in which we were told that could be cancelled at time by the representative. We still stated that we did not need this additional expense but they insisted to try and then we could cancel if it didn't work for us in which my credit card was charged {$2800.00} with re occurring charges of {$43.00}. We when returned to the US we reached to the company that we will like to cancel XX/XX/2021. They did not respond to us until weeks later and there was a major language barrier, we stated that we did not need the service and they refused to cancel and continued to charge. They stated that in order for us to cancel we would have to first use the service and if dissatisfied then we would be able to cancel and the representative XXXX state in order to not loose our money we would have to do a revised membership and then we could cancel if the service provided was lacking. Under the advisement of XXXX we agreed to a temporary membership with the intent to cancel. We have been sending cancellation request for the last 8 months and no response. 

We finally reached to our bank- Bank of America to file dispute against the charges because the company refuse to respond to us and instructed Bank of America to stop payments on the charges and provided evidence that we attempted several tines to cancel the membership and the company refused to cancel and refund. Bank of America is still allowing this fraudulent company to charge my credit card, even after filing several disputes against this company. Bank of America is charging my credit card.

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 2023-10-10
Company: DISCOVER BANK
State: CA
Product: Credit reporting 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:
A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS XXXX Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS XXXX Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: First Help Financial, LLC
State: UT
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:
Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXXXXXX XXXX  XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX What has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is regarding the issue in complaint XXXX submitted XX/XX/21. 

At the time, they responded " XXXX XXXX, We have received your complaint and it is important to us. The CBE Group ( CBE ) submitted your complaint to our client and ceased collection activity on the account placed in our office for collection. Requests for deletion of our trade line have been submitted to the three major credit reporting repositories ( XXXX, XXXX, XXXX ). Sincerely, XXXX XXXX CBE Compliance ''. The complaint was then closed. 

However, I am still receiving communication from their debt collection agency, XXXX XXXX, as of today, XX/XX/21, via text message, meaning they did not cease collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Atlanticus Services Corporation
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-13
Company: First Help Financial, LLC
State: UT
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:
Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Cooper is unnecessarily dragging my Hardship application on Mortgage. I applied for hardship on XX/XX/2019 and today is XX/XX/2019 and still I don't see any kind of development. Mr Cooper on purpose is pausing my application and asking for new updates everyday, they should send me a list in the beginning of the application of Hardship letter where they will ask me in a channelize way how to provide my documentation to them. Everyday they are pin pointing on small things here and there, and i am totally frustrated. On the top of that my single point of contact " XXXX XXXX '' has gone on a holiday till XX/XX/2019. Here I am struggling to pay my Mortgage and Ms. XXXX has gone on a holiday, who will I contact for the next three days?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have identified events involving me as a victim of ID Theft. Someone has systematically used my information to secure credit cards and purchase cars, additionally repeatedly file bankruptcy in my name as a means to discard the debt and direct the attention back to me as the part responsibility. I have provided the credit bureaus with police report and an outline of my details and they have yet responded to my complaint and seek in any real way to fix or even investigate the problem. 

Your help is need to correct this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions 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 have disputed with the credit bureaus that inaccurate information reporting on my credit report. I have not heard anything regarding the status of the investigation from the credit bureaus. There is inaccurate reporting on my credit report from the same creditor and I'm unsure why there will be so much inaccuracy from the same creditor.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), Dated, XX/XX/2024, I, XXXX XXXX, am writing to file a complaint against TRANSUNION, XXXX, and XXXX regarding inaccurate information reported on my consumer report. The inaccuracies include errors in my name and employment details, leading to challenges in identity verification by banks and causing me significant emotional distress. 

Attached, please find a letter demanding the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 hope this message finds you well. I am writing to express my ongoing frustration and disappointment with the unresolved issue of fraudulent items on my credit report, despite multiple attempts to rectify this situation. 

I have made numerous attempts to dispute and remove fraudulent entries from my credit report with 3 Credit Bureaus. Despite my persistent efforts, these fraudulent items persist, adversely impacting my creditworthiness and causing significant distress. 

I provided all necessary documentation, evidence, and information to support my claim of fraudulent activity. However, to my dismay, the corrections have not been implemented, and the fraudulent items continue to tarnish my credit history. 

I understand the importance of a thorough investigation in cases of fraud, and I appreciate the efforts taken to maintain the integrity of credit reporting. However, the prolonged presence of these fraudulent entries is not only detrimental to my financial standing but also erodes my confidence in the credit reporting system. 

I urge you to escalate this matter and conduct a comprehensive review of the fraudulent items on my credit report. I have consistently cooperated by providing all relevant information for a thorough investigation, and I believe a swift resolution is now imperative. 

It is my expectation that 3 Credit Bureaus takes immediate and effective action to rectify this situation. I request clear communication regarding the steps being taken to address this issue and insist on receiving a specific timeline for the removal of the fraudulent items from my credit report. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}.

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 2023-02-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited My Paycheck to my Chase Bank account And they continuously put hold on my checks for up to 2 weeks When the checks are always good I've never given them any reason to doubt me for fraud I asked them why are they putting my checks on such long hold She said and this is the supervisor that I altered my paperwork so I went to the branch had the XXXX manager do all the homework himself print everything himself and upload everything himself so I did not touch that 1 piece of paper to show them that these are legal documents from the state of Florida Licensing department So that proves right there This is all because they messed up They know they messed up so now that they have the actual Paperwork Uploaded From one of their managers They see everything is official nothing was wrong they still do not want Release my money I haven't been to work since Tuesday because I have no gas in my car I haven't eaten a real millicence Tuesday because I haven't no food My electricity just got turned off today and I have a Daughter I'm I am going to lose my job because I have not been to work since Tuesday Because I have no gas And now they are putting an overdraft fee on my account because I only had XXXX XXXX in it but they're holding {$2700.00} of my money And have the nerve to charge me an overdrive fee for a service in maintenance charge I can't even afford to buy the Medicine For my mom I had to take her to the emergency Yesterday Just to get some insulin Because her blood sugar was jacked up So people 's lives are potential At risk because this bank does not want to release my money when They know they're the ones that messed up And what's worse They took the money from the other bank Already so they have the funds they just do not want to Release them to me I met the end of my rope I don't know what else to do Short of something drastic And foolish Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: PR
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:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX DEPARTMENT STORES 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 non-monetary relief
Consumer complaint received 2019-12-23
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Lack of real estate secured loan information Balances on bankcards are too high compared with credit limits Too many inquiries Synchrony Bank told me to reapply due to a supposed computer glitch. Then when I apply again they said my balances with them are too high already which are all XXXX balances. They said I have too many inquiries through them. They are also denying me because I paid cash for my house. 

ID XXXX Manager

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed with the credit bureaus that inaccurate information reporting on my credit report. I have not heard anything regarding the status of the investigation from the credit bureaus. There is inaccurate reporting on my credit report from the same creditor and I'm unsure why there will be so much inaccuracy from the same creditor.

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 2023-11-04
Company: Experian Information Solutions 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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved. looking over all of the data listed ive noticed all information is listed illegally an fraudulent information that has caused major delays on my credit report. please review an remove the listed items to help clear my credit report asap.

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