BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
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: Account status incorrect

Complaint:
I have been contacting Experian for over a year trying to get them tp update my credit report to accurately reflect my bankruptcy discharge. I have attached my discharge papers directly from the Federal Bankruptcy Court. Experian has refused to update the following accounts : 1. XXXX XXXX ( all accounts ) 2. XXXX ( all accounts ) 3. XXXX XXXX XXXX act # XXXX 4. XXXX XXXX XXXX act # XXXX 5. XXXX XXXX XXXX XXXX XXXX act # XXXX 6. XXXX XXXX XXXX XXXX act # XXXX THESE ACCOUNTS WERE DISCHARGED IN CHAPTER XXXX BANKRUPTCY AND PROOF HAS BEEN PROVIDED MULTIPLE TIMES. EXPERIAN PURPOSELY AND NEGLIGENTLY REFUSES TO UPDATE THESE ACCOUNTS ACCURATELY CAUSING ME TO SUFFER EXTREME HARDSHIP AND BLOCKING MY ABILITY TO GAIN EMPLOYMENT AND SHELTER ( A HOME ) FOR MYSELF AND MY CHILD. Please please please MAKE THEM COMPLY TO THE LAW. My next step is a lawsuit because I have exhausted every possibility to getting them to correct this information. I have contacted the creditors directly and all have verified that they received notice of discharge. 

PLEASE HELP!! VERY URGENT!!!

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 2016-11-24
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is in regards with my previous dispute with Key Bank. My ATM/debit card associated with my checking account has unauthorized activity on it. About {$5000.00} in unauthorized activity from a XXXX. Now, I 've notified you several times about this and you refuse to do anything about it. I 've notified you well within the required timeframe. According to the Consumer Financial Protection Bureau, the law states ... 

If an unauthorized transaction appears on your statement, but you did not lose your card, security code, or PIN or have any of them stolen, you should still notify your bank or credit union right away. Under federal law, you will not be liable for the transaction if you report it within 60 days after your account statement showing the transaction is sent to you. But if the charge goes unreported for more than 60 days, your money could be lost. 

... so, as you can see under federal law, I am not liable for the unauthorized transactions. I notified you well within the 60 day time frame. Credit my account or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
This is just ridiculous! Despite the multiple dispute letters and CFPB complaints that I have been sibmitting to the Credit reporting Agncies, the Credit Bureaus do not seem to give a XXXX about my Credit file! How many dispute letters and CFPB Complaints do I have to send to the Credit reporting Agencies for them to finally remove the disputed items completely from my Credit Report? I have been informing the Credit bureaus that I have been a victim of identity theft and that the items I am disputing were the results of such crime and I needed them removed from my Credit report! I have also been asking that the Credit Bureaus provide me copies of proof of verification from their investigation, that if the Credit Bureaus really did conducted an investigation. Under the Fair Credit Reporting Act section 605b, the following fraudulent accounts must be removed as soon as possible from my Credit File : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. The Credit Bureaus have been failing me lately and it will be not a big surprise if they would still not comply with the requests and continue their erroneous reporting. But if the Credit Bureaus would remove the disputed items, I will be truly greatful.

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 2018-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
someone scan my debit card info out of the a XXXX gas station ( XXXX XXXX and XXXX XXXX in XXXX XXXX CA ( this is according to the Chase Bank representative ) on XX/XX/XXXX someone withdraw about XXXX dollars out of my checking account in 4 transactions XXXX, XXXX, XXXX and XXXX. None of these was made by me. 

Chase refunded all but on transaction of XXXX, because according to then the geographic location and the fact that i previously had withdrawn money from the ATM proves to then that I was the one doing the transsaction. 

When I tray to escalate the claim, they ask me to file a police report, which i did on XX/XX/XXXX. I took the report case number back to the bank, but they now the answer is that for them the case is close and only if the get a subpoena to see the video tape of the ATM in question will reopen the case

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: LA
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 recently checked my updated personal credit report and I noticed unauthorized credit inquiries still remain on my personal credit report I contacted these companies and asked them to remove their credit inquiries from my credit profile. 

I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. If, once your investigation is complete, you find my allegation to be true, please remove these inquiries and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX Inquired on XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I disputed/filed a claim for a charge that took place on XX/XX/XXXX with XXXX XXXX XXXX in the amount of {$110.00}. I was charged twice for 'shuttle services to and from the resort on XX/XX/XXXX in the amount of {$110.00}. I called Navy Fed and disputed 1 of the charges as XXXX XXXX issued only 1 credit and not the 2nd credit. Navy federal took the claim and advised, that I would receive a provisional credit while the investigation is going on back XX/XX/XXXX. A credit was issued and then, I received a message from Navy Federal on XX/XX/XXXX stating a debit will take place for the {$110.00} on XX/XX/XXXX as documentation is needed to show proof that I paid another service for our shuttle. I replied with proof from my XXXX showing charges for a commuter to and from the resort and an email from the resort showing, I cancelled the shuttle service and was no longer in need of their service. After, I provided this proof I never heard anything else back from Navy Federal and they did not take the provisional credit back until XX/XX/XXXX. When, I called NFCU they told me the credit is being removed from my account because XXXX XXXX provided a credit back on XX/XX/XXXX which only took care of 1 charge but not for the 2nd charge of {$110.00} which is what I disputed with NFCU. I called and spoke with NFCU XX/XX/XXXX customer service supervisor XXXX and she stated, she will open a new claim and advise the claims department only 1 credit was given from XXXX XXXX and not 2 credits. I do not know how NFCU did not know only 1 credit was given. Instead, they debited {$110.00} without sending me another email stating this was to happen. If NFCU looks at my account, they will see 2 charges from XXXX XXXX for {$110.00} and 1 credit given to me from XXXX XXXX for {$110.00} and only 1 provisional credit given to me from NFCU. So, how could they assume XXXX XXXX gave me a credit for 2 charges in the amount of {$110.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, US DEPT ED XXXX, US DEPT ED 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 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the XXXX  breach, on which I've learned happened multiple times from XX/XX/XXXX-XX/XX/XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.

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 2015-05-17
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting letters from Enhanced Recovery Company saying I owe {$86000.00} to XXXX. I am now getting phone calls about this. I have never had XXXX and it 's not anywhere in my area.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: MD
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:
I have written a letter to Experian dated XX/XX/XXXX. A signed certified return receipt for this letter ( document provided ) was on XX/XX/XXXX, requesting that XXXX XXXX along with several other creditors be removed from my credit profile because it violated the 5 day reinsertion rule.
<P/>
Experian has made the changes to all other creditors to date except XXXX XXXX. On XX/XX/XXXX, I received a letter stating that the investigation will be complete on XX/XX/XXXX. This is beyond the 30 day period for reinvestigation. Today XX/XX/XXXX is the 45th day. This creditor was already disputed and previously removed in XX/XX/XXXX, the CRA has had ample enough time to complete this investigation and is now in violation. XXXX XXXX should be deleted just as the other creditors due to the 5 day reinsertion rule.
<P/>
Attached are the documents supporting that the creditor XXXX XXXX was on my profile dated XX/XX/XXXX. Two weeks later XX/XX/XXXX, I received an updated report with XXXX XXXX removed. Thirty three days later on XX/XX/XXXX, I received a report in which the creditor still remains deleted. Currently the creditor has been reinserted in my credit profile. Which is illegal without the debtor be made aware of reason of being inserted.
<P/>
The CRA has not given any letter or has forwarded any validation of this debt however is now informing me in the latest credit report ( see attached ) that even more time is needed to continue to investigate. This is an act of non-compliance of several crediting report laws and statutes.
<P/>
I have provided such evidence that my consumer credit profile is not being reported accurately and fairly by the CRA. This creditor XXXX XXXX must delete this from my credit profile or a civil action claim will be sought out as the next communication.

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 2016-09-06
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent this collection agency multiple letters via certified mail and they have never responded or provided any proof of the alleged debt they are reporting on my credit reports. I do not agree with the amount of the debt owed and i have asked them for an itemized bill of particulars so i could determine how they got to the amount they allege owed. They have violated 15 USC 1692 FDCPA and 1681 XXXX FCRA. A data furnisher is required to respond to a dispute within 30 days of receiving a dispute. I have sent XXXX letters certified mail and they have never responded. They are also in violation of the CFPB consent order against them from last XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern : I recently received a copy of my XXXX XXXX or Trans Union credit report, and I noticed some late payments posted on my consumer report. 

List accounts XXXX XXXX  XXXX Your company is in clear violation of the law, Under 15 USC 1681b -permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my consumer report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( a ) EXCLUSIONS- Expect as provided in paragraph ( 3 ) the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced account, and send out a free copy of my report after changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collection Practices Act 15 USC 1692 violations 4.Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616 liability for willful noncompliance 15 U.S.C 1681n Best Regards,

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 2021-02-01
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Previous to XX/XX/2019, we received fraud on our checking account. US Bank advised us to close the account and reopen a new one due to this fraud, of which we did on XX/XX/XXXX. The next month we received a statement saying that we owed them XXXX for credit card/overdraft charges. They said that my husband, when he set up the account, set up for overdraft, when he thought if any overdrafts were to be coming out of his savings. He never signed for a credit card/overdraft protection. This was a special going on at the time and he never signed for it. He never noticed the few overdrafts going to a credit card, only that they were coming from his savings. The company can not prove that he ever signed for this. In the meantime, we have been trying to get help on the phone. When we could not get any help to resolve this issue, we wrote a letter to the President of US Bank. When nothing helped, we called one last time and they said someone would get back to us. A few days later, we received a letter stating that they had written off the {$1200.00} plus interest totaling {$2900.00}. We then called collections and they said to have our lawyer write a letter to US Bank of which he did and we are waiting to hear from them. In the meantime, a XXXX XXXX XXXX told me to write you and that ironically enough, sounded like the scam that XXXX XXXX did ( charged people with a credit card when they did not ask for one and sign up for a new account ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 recently checked my updated personal credit report and I noticed unauthorized credit inquiries still remain on my personal credit report I contacted these companies and asked them to remove their credit inquiries from my credit profile. 

I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. If, once your investigation is complete, you find my allegation to be true, please remove these inquiries and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX XXXXnquired on XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 2022-07-14
Company: EQUIFAX, INC.
State: TX
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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE OTHER NAME ON MY CREDIT REPORT I ONLY GO BY XXXX XXXX ', PLEASE REMOVE ADDRESS I LIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a hospital bill and it was sent to collection. The collection company was Phoenix Financial. They offered me a settlement amount and I paid that in full. The debt is still showing up on my credit report. I have filed a dispute and it came back the account was accurate. I have called Phoenix Financial on three separate occasions and every time they say the account should have been closed, they will get it done, and sent me a letter. They have never closed the account out and I have never received the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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