BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they have violated my rights 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-09-21
Company: Experian Information Solutions 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 guidelines law of the FCRA. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681 XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have Violated my rights 15 U.S.C. 1681 602 ( a ) 4There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C.1681 604 A section 2 ) In accordance with the written instructions of the consumer to whom it relates. 
without my written instruction 15 U.S.C.1681c a 5 section state no consumer reporting agency may make any consumer reporting containing any of the following items of information as my other adverse items of information other the record of conviction of crime which antedates the report by more then seven years 15U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information to a consumer to any consumer reporting agency if the person know 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 2022-05-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase bank is billing me for a credit card I do not have! 

I have XXXX recorded complaint phone calls with chase bank. They always demand the credit card number which I do not have because I do not have the card. Then they just say they can not do anything. 

Then I receive another threatening email claiming late fees, credit report violations and demanding money for a card I do not have!! 

Please help, Very kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
EVERY NUMBER I TRY TO REACH A LIVE CUSTOMER SERVICE PERSON CUSTOMER AT EXPERIAN LEADS TO AN ENDLESS LOOP OF QUESTIONS AND NO OPTION TO SPEAK WITH A LIVE AGENT. THE NUMBERS I HAVE TRIED INCLUDE : XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX. I CAN'T BELIEVE THIS COMPANY IS ALLOWED TO GET AWAY WITH HANDLING ALL CUSTOMER SERVICE BUSINESS BY A RECORDING. I AM REACHING OUT TO MY LOCAL, STATE & FEDERAL OFFICIALS TO COMPLAIN ABOUT THIS ISSUE.

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 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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 2019-12-16
Company: Conn's, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) (  1 ) ( A ), Credit reporting agencies ( Conn 's - XXXX, Conn 's - XXXX, XXXX  ) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report. 

Conn 's - XXXX - {$7600.00} Conn 's - XXXX - {$2400.00} XXXX  has failed to verify that information multiple times. The supervisor XXXX XXXX on XX/XX/19 and a supervisor previous to that advised me they verified the information electronically through an automated system and do not have the a person name or documentation. XXXX also stated they do not require the creditor to submit any validation prior to inserting good or bad information on your report. 
I have contacted Conn 's and XXXX  both repeated asking for them to provide contracts bearing my signature and payment information for these two accounts. 

XXXX  also have me locked and singled in to a department that is only open from XXXX - XXXX central time Monday - Friday and don't have a direct phone number. In order for me to speak with someone regarding my credit file I have to get transferred 3 times and if the department is unable I have to leave a message and someone will return my call in 24 hours. Which is unacceptable as well and I need to be removed because this is discrimination because any representative trained to incoming calls should be able to assist with credit dispute or questions. 

Per conversation with Conn 's representative on XX/XX/19 XXXX XXXX ( XXXX ) they do not have to provide with me an do documents in there systems and can report anything they wish without providing proof. Conn 's  also asked me to fax them a copy of front and back of my driver license and social security so they are aware they are speaking to the right person. This is unacceptable based on the the fair credit report acting and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: Frederick J. Hanna & Associates, P.C. (closed)
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Fredrick J Hanna, with out insuring that I knew the court date went in to court in XXXX and claimed that he was suing me for XXXX XXXX Bank but instead of forwarding the Check to XXXX XXXX Bank deposited it in his account, Copy of the check attached. I have been trying for 7 months to get a signed receipt from Fredrick J Hanna showing where these proceed were credited to a XXXX XXXX Bank account that was in my name, Both Fredrick J. Hanna and XXXX XXXX Bank refuse to send me the requested signed receipt Via email showing where the proceed from the suit were credited to a XXXX XXXX Bank account in my name. Fredrick J Hanna and XXXX XXXX Bank refuse to tell me why I was n't given a receipt for these Proceeds. I request that CFBP forward this complaint to some place that will encourage Fredrick J Hanna and XXXX XXXX Bank to forward my request to my via email ASAP I want to report this when I file my 2015 income Tax.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a XXXX XXXX Credit Card that was put into collections with Portfolio Recovery Associates. I have called multiple times and requested a letter reflected the balance amount that was agreed upon ( {$3700.00} ) and the current balance towards that settlement amount ( told over the phone today was {$2700.00} ). The company is refusing to put actual balances into writing as they have stated " we don't do that. '' They will only provide a payment schedule. This request is being made as we are trying to get approved for an FHA mortgage loan and the FHA requirements have to provide documentation of the balances, which the collection company is refusing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: EQUIFAX, INC.
State: NC
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 was the victim of identity theft and i filed an identity theft report. this message is for transunion and equifax. i have already placed fraud alerts on my credit reports. i see a bunch of credit inquiries and some accounts that shouldnt be on my report due to someone trying to open accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Io, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I received treatment for an injury that happened at work. The number for that is XXXX. I was informed shortly after my injury while checking my credit report that you changed my account to a personal debt collections account for the amount at the time of XXXX. I called numerous times within the last 1 1/2 and my bill was illegally referred to a collections agency. I was informed by you that my job didn't care about workers compensation insurance and that I was liable. Under the workers compensation Act in VA the injured worker is never liable. 

Throughout this time you charged interest and kept reporting a debt to the credit agencies under a new account number of XXXX, which under the state and federal laws was incorrect. Seeing how this claim was a workers comp claim i was never liable. I am asking you to correct this and report this to the agencies of your mistake. 

On XXXX I contact there admin team with the documents needed to resolve this debt showing that under https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please refer to section 2 - I the injured worker is not liable, the company stated they would respond in 25 days, instead they keep billing this debt as a new debt and charging interest since it has hit my credit effective date of negative impact in XXXX not even 60 days later. I have been denied the ability to credit due to the negligence & called today and was hung up 4 times trying to resolve this. The company is under a company name that is no longer active as my previous claim, & me as the consumer should not be held liable. 

As well as this company failed to removed paid accounts as promised & the company listed on the credit reporting agencies in unreachable. The agency As you can see per the credit reports are not the same as the Admin team who was supposed to handle my claims, why is a company using another name to hit consumers credit. As well as when I filed my last complaint the next page is showing XXXX  XXXX  Closed in your system. As well as the companies addresses for that & the name they are using which is Receivable Management is also not listed as a company. I have filed an FTC complaint & contacted the credit bureau 's several times with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Chase bank has been contacting me repeatedly at least 5+ times per day to discuss my credit card debt that I am already aware of. They have changed their phone number twice and they have called me on a Sunday evening. I have it documented on my phone that they left me a voicemail on Sunday XX/XX/2018 at XXXX. No debt collector has ever called me this late and their phone calls have become a harassment. 

Their phone numbers : ( XXXX ) XXXX - XXXX, ( XXXX ) #

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: CITIBANK, N.A.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
My XXXX yr old grandmother was trying to ordering a dryer from Best Buy. She was on the phone with somebody that was XX/XX/XXXX rude demeanor very unprofessional. I get on the phone and ask for a supervisor, the supervisor got on the that was very nice and professional, the supervisor indicated to me and my grandmother the dryer she wanted was out of stock and offer my grandmother a higher dryer that was more of the dryer she was originally going to get at the same rate. That purchase happened on XX/XX/XXXX the delivery scam happened on XX/XX/XXXX. Best Buy told the delivery dryer to delivery my grandmother a beat down used dryer when she paid for a new one, I guess Best Buy thought my grandmother was going to be home alone. A XXXX woman is not suppose to have a nice dryer she was granted to by one of Best Buy associates. Higher up didnt want to accept that, not only did they brought my grandmother the wrong dryer Best Buy cancelled without our consent. When we try to order the same one we suppose to get its a backup until XX/XX/XXXX. My grandmother purchase another dryer from Best Buy I dont know why. Another gentleman gave my grandmother on a cheaper dryer and her new delivery was scheduled was XX/XX/XXXX. I contacted the head leader at corporate thats making it hard for us name is XXXX XXXX and XXXX XXXX can he give us a sooner date, XXXX sent a email stating he can give us XX/XX/XXXX. Received another email from Best Buy 2 hrs ago stating we have to setup our own appointment and delivery time when it was already taken care of corporate is continuing to fraud scam with our account and I have all the evidence pictures.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Ive been building my credit over the past year and doing a pretty good job. I brought it up ( XXXX points from XXXX to XXXX ) and was looking at other ways to bring it up even furtherinvestigating XXXX XXXX and mistakenly opened a the line of credit XX/XX/XXXX, however, after researching more in depth, I realized that the credit builder account was for people with lower credit than I had at that point, so I immediately canceled it the same day, XX/XX/XXXX, and withdrew the money I initially invested. XXXX weeks later, on XX/XX/XXXX, my credit dropped XXXX points, the only change having been the closing of that account Compared to XXXX, who had lowered it XXXX XXXX for this account closure ( which I can understand ), TransUnion ( who partners with XXXX XXXX I found out soon thereafter ) seemed a bit extreme lowering my credit XXXX points, so I contacted them and XXXX XXXX and after forever on hold and being transferred back and forth the only answer I received was that opening and closing an account can drop your credit score and that the account was indeed valid ( which I never denied ). I asked why XXXX points? I said the account was opened mistakenly same day, and is there no grace period? An Investigation took place. Again confirming that I did indeed open the account, nothing was done about my credit score decreasing so much. Also, it shows that it was open XX/XX/XXXX and closed XX/XX/XXXX. How can that be correct??? 
( See enclosed photos )

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: Experian Information Solutions Inc.
State: IN
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 not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
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 2022-09-22
Company: Experian Information Solutions Inc.
State: AZ
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Inquiries : XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2021-11-05
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Reporting Agencies and Collection Agencies violated the Law.

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