BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: Account Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Account Recovery Services , Inc which i have NO CONTRACT with is Reporting on my credit reports fraudulently.

* Were you named on the original contract with the original creditor?

* If not, do you have a contract between your company and me, signed by both parties?

* If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition?

* Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me?

Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I got a Nordstrom store card and bill for the dates of XX/XX/XXXX to the XXXX, in the mail, under my Maiden name that I have not used in almost 20 years. 
I never applied for this card. 
It had a credit limit of XXXX dollars and purchase of XXXX dollars was used. 
I called the number on the bill, but did not trust them to give them my security number. They told me to call the credit bureau and dispute it. 
I called XXXX, was on the phone for an hour and a half and got the fraud dispute started. They to me to come her and file a police report to help the dispute to go faster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Check Fraud Services
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A XXXX XXXX called between XXXX XXXX on Tuesday of XX/XX/XXXX. She said I have 3 counts against me and that I will need the amount of {$6000.00} for bond or spend time in jail until my court hearing and if ca n't pay spend up to 2 years in prison. 
The three counts are 1. intent to defraud, 2. thief of use weapon or something like that, 3. larceny by check. 
The company name is XXXX XXXX, check was supposedly written back in XX/XX/XXXX for the amount of {$350.00}.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: DE
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:
" XXXX XXXX  '' continues to report inaccurate information to EXPERIAN, XXXX, AND XXXX, unbeknownst to me up until now. I have been a victim of Identity theft. 

Account # : XXXX - Shows as closed however this account was not mine to begin with, I never authorized or initiated this account setup, and It is was opened in XX/XX/2015, well past the statute of limitation laws of 7 years on a credit profile. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait. 

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and EXPERIAN XXXX XXXX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.

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 2022-09-12
Company: EQUIFAX, INC.
State: FL
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:
My mortgage loan and purchase contract is going to a breach because Equifax decided to put a fraud alert with a decades old number on my credit file. All alerts were removed and my personal information updated when I started this mortgage process. Of the 3 bureaus this incorrect information only reappeared on Equifax. Depsite overnighting the written request and ID to remove the friUd alert and update the telephone number to XXXX Equifax continues to loop me around when I try to call in

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Cash app closed my account on XXXXwhen I asked them why did they close my account they said I violated the terms and conditions I have asked them several times what term and condition did I violate but I have gotten no reposnse. I have appealed the decision and still no response. Cash app will not allow me to start a new account due to this issue and I do not understand what I supposedly have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Ad Astra Recovery Services Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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:
Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX, XXXX, and XXXX   to investigate and verify the account. The account still shows derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was not being truthful. The payment history is showing unknown therefore it is an unverified account reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: VA
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:
This item with XXXX was paid off for deletion and it is still showing on my credit report. This item should have been deleted. 

This is in violation of the following : 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2021-10-08
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MO
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:
Letters was delivered and company claiming they didn't receive letters. Tracking information below to show it was delivered and certified. 

Tracking Number : XXXX Copy Add to Informed Delivery Latest Update Your item was delivered to the front desk, reception area, or mail room at XXXXXXXX XXXX  on XX/XX/2023 in XXXX, TX XXXX. 

Get More Out of USPS Tracking : USPS Tracking Plus Delivered Delivered, Front Desk/Reception/Mail Room XXXX, TX XXXX XX/XX/2023, XXXXXXXX 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 2023-03-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removal of the erroneous information about the unauthorized inquiry has been consistently neglected by Equifax. Despite sending them written letters since XX/XX/XXXX, I have not received any response up to this date. Besides, the inaccurate information about my inquiries are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that is still reporting on my account : 1 XXXX  - Date of Inquiry XX/XX/XXXX 1 XXXX  - Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : 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 non-monetary relief
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have contacted the following creditors explaining I never applied for correct with them as Im not in market for a new auto loan : Equifax XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX  XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had a banking relationship with Chase for many years. I wrote a check to XXXX XXXX from my Chase account for {$150.00}. The check was cashed by XXXX XXXX XXXX  for an XXXX XXXX. I do not have a banking relationship with XXXX XXXX and neither I or XXXX XXXX knows anyone named XXXX XXXX. 

I have gone back and forth with Chase Bank for nearly 5 months to reimbuse me for the {$150.00} that was not disbused in accordance with my instructions. After 12 phone calls, including speaking to a manager twice, I have not been reimbused. 

Chase indicates that they are still waiting to hear back from XXXX XXXX. As I noted, I do not have a relationship with XXXX XXXX but apparently Chase does. I do not think I should have to wait over 5 months for reimbusement while Chase settles it with XXXX XXXX. The check was made to XXXX XXXX and per my account agreement with Chase that is who should have been paid. If they entrusted XXXX XXXX then they should deal with XXXX XXXX for remedy but as their customer ( chase ) I should be immediately reimbused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX credit bUreaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX  XXXX  Inquiry Date XX/XX/2022

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 2023-03-15
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate information on my credit report, which I received from your agency. I am aware that as per the Fair Credit Reporting Act ( FCRA ), it is your duty to ensure that the information on my credit report is accurate, complete, and up to date. 

After reviewing my credit report, I have identified the following errors : There is an account under the name of XXXX XXXX XXXX with the account number XXXX. I would like to bring to your attention that this account has been verified by your agency, while other bureaus could not do so and have removed it. According to the FCRA, you are required to investigate and remove any inaccurate information from my credit report immediately. 

There are several instances of personal information that are incorrect. The following addresses do not belong to me and should be removed from my report immediately, as per the FCRA : XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX ( XX/XX/XXXX ) There are two names on my credit report that do not belong to me. The following names should be removed from my report immediately as per the FCRA : XXXX XXXX XXXX XXXX XXXX I request you to take prompt action on the above-mentioned errors and remove them from my credit report, as per the FCRA guidelines XXXX I also request you to send me a written confirmation of the removal of inaccurate information from my credit report. 

Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: IL
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 sent documents to all 3 credit bureaus that were notarized demand letters, and they did not comply with the letters

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