BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Account Name : US DEPT ED Account # : 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 2022-09-28
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX 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 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 2020-10-20
Company: BARCLAYS BANK DELAWARE
State: MI
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: Overcharged for something you did purchase with the card

Complaint:
In XXXX, 2020, I was on a XXXX XXXX, with my husband. I applied for a MasterCard to purchase a ring and earrings. On XX/XX/2020, at XXXX XXXX  I purchased the two items ... .however, 20 minutes later I actually returned the ring because it was too SMALL on my finger. The clerk said that if I returned the ring, she would then recharge me for the ring, BUT {$100.00} LESS, so that when I returned home I could take my ring and have it sized. The first transaction was for {$4400.00} ... ..the ring was {$1400.00}. At XXXX XXXX, on XX/XX/2020, I was recharged for this same ring, {$1300.00}. This is background and this is not in dispute. HOWEVER, WHEN THE VERY FIRST BILL CAME IT STATED THAT MY TRANACTION AMOUNT WAS FOR {$5000.00} ... ... .... {$700.00} TOO MUCH. I DIDN'T PURCHASE ANYTHING ELSE AND THEY HAVE NEVER PROVIDED ME WITH A STATEMENT SHOWING THE PURCHASES. I HAVE  REPEATEDLY ATTEMPTED TO CLEAR UP THIS MATTER WITH THIS COMPANY TO NO AVAIL. I HAVE REPEATEDLY ASKED FOR A BILLING STATEMENT FROM THIS FIRST MONTH, SHOWING THE PURCHASES. AGAIN, TO NO AVAIL.

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 2023-03-29
Company: EQUIFAX, INC.
State: IA
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:
My name is XXXX 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 2019-10-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have disputed Inquiries that's on my Equifax report numerous of times but Equifax have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF Equifax have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and stopping me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
XX/XX/2022 In accordance to the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A -section 2 states a consumer reporting agency can not furnish an account without my written permission. 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer 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 explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 has now reported to TransUnion and XXXX fraudulent late payments violating the FCRA. I returned my lease on XX/XX/XXXX and they recorded I was late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments when I have called and confirmed with XXXX that my lease obligations were fulfilled in full when I turned in my car. As I said, both bureaus now show these fraudulent payments and also are missing many on time payments. They have not responded to my disputes and cleared these payments and have wanton disregard for accurately reporting payments as required by the FCRA. These are clear violations of the FCRA and I demand they be removed 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 2019-02-06
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I first received and unsolicited check in the mail from a particular company and it stated the terms if I were to cash it. I cashed the check and made regular payments on that loan until it was paid off. I later went into the office to receive another loan on XX/XX/2018, and was making regular payments on that loan as well.

In XXXX I was experiencing financial difficulties and I sent them a letter detailing my situation as well as when I could start repaying my loan. I have been harassed to no end with phone calls to my job, my personal references, and my cell phone. On yesterday, they went one step further by making an unauthorized hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo opened a credit card under my name which i never applied for. Wells Fargo charged my account fees for that credit card. Wells Fargo ruined my credit by opening a credit card and opening accounts under my name which were never authorized.

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 2019-10-29
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I AM IN THIS POSITION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN THE STATE THAT IT IS IN. MY LIFE IS AT A STANDSTILL AND THERE ARE SO MANY THINGS I WOULD LIKE TO ACCOMPLISH. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Source Receivables Management LLC
State: IL
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:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Source Receivables Management violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The convergent outsourcing/XXXX XXXX XXXX that is on my credit report is not supposed to be on my personal credit. It was a business account. Also the statue of limitation is up ; XXXX charged off my account 1 year before they sent it to collections ; therefore the collection is over 7 years. Yet I still had to pay to get it updated and not even removed. Isnt this illegal? Ive disputed this account 4 to 5 times on Experian and XXXX, before I finally got an update and ITS still on my credit. I am in the middle of a mortgage approval and Im ready to sue for the inconvenience that this is causing. I would like this collection removed 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
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX XXXX 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 2019-02-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Complaint is with the JP Morgan Chase Bank and the US Treasury Department. 

My name is 'Nobody ' and I am now XXXX XXXX years old. I need, at this time, to get my affairs in order. 
I purchased a Certificate of Accrual on Treasury Securities, ( CATS Series S ), on XX/XX/XXXX, XXXX No. CPN-S XXXX, XXXX XXXX XXXX XXXX XXXX ) This CATS certificate was transferable at the offices of : XXXX XXXX XXXX XXXX XXXX New York. 

XXXX XXXX XXXX XXXX was purchased by the JP Morgan Chase Bank.When this happened, What happened to my CATS Series S certificate. 
I have been told to contact the US Treasury, ( No Satisfaction ). 
I have been told to contact the Federal Reserve, ( No Satisfaction ). 
I was told to contact XXXX XXXX, ( No Satisfaction ) I need to have this issue resolved soon. I do not want to have this CATS cert. to just disappear in a lost file somewhere. 

I have spent many hours on the telephone and internet, since XX/XX/XXXX, trying to track down the Bank responsible for this certificate, that I understood, in XXXX, was a rock solid investment. 

Who is in possession of this certificate? 
Who is responsible for payment, to Me, on this Certificate? 
How do I receive payment on this certificate? 
Can I transfer the funds from this certificate to a New account for my XXXX? 

Please Help! 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX,2017 {$130.00} A.R.M. Solutions sent a letter stating that they were a debt collection company for the XXXX XXXX. The letter stated that if I did not pay the {$130.00} it would damage my credit. 

This " debt '' is fraudulent and I do not owe The XXXX XXXX any money. I have sent a letter, phone calls and email to A.R.M and XXXX XXXX XXXX and the matter is still not resolved

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 2019-10-29
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Already made an complaint against the company. Since then Navy Federal Credit Union switched the title of the loan account as Consumer Loan and not the vehicle loan that it was orginally labeled. This was so they can illegally transfer payments from one loan account to another. All payments that i made towards the vehciel loan was labeled so on the money orders. I have all copies of every money to include the certified mail statements.

I now do not have access to see statements at all or other accounts. The complaint that I made before was XXXX. This company has done me more harm than good. Veterans need to stay away. All of this has caused a lot of anxiety, depresssion, and I can't take no more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
People getting bank accounts in my name without ID I guess because I just got new ID found out someone used info opened accounts without my permission

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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 2021-02-12
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Firstly, I was never informed that I owed them. Never received a call nor letter from them. Received alerts from XXXX  and XXXX. Found out that Resurgent Capital Services had placed a negative item on my credit report. I sent them three certified letters, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking for validation of the debt. To date, they have failed to provide that but opted to send me a debt verification 6 weeks after my initial contact on XX/XX/XXXX, which is clearly not what I requested. I specifically requested the following : 1 ) a detailed statement reflecting all credits/debits and fees associated with the amount owed, starting from the first day the account was opened to the last day it was closed, showing all transactions and how they arrived at the amount owed, 2 ) I requested a signed copy of the Card Holder Agreement indicating amounts of all fees associated with the account, 3 ) I requested that Resurgent Capital Services provide proof that they have the authority to operate as a debt collector in the state of Pennsylvania. Non of the above requests have been provided as of XX/XX/XXXX and yet they choose to maintain the negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
so I have this XXXX XXXX card with Comeninty Bank there cutoff is like XXXX XXXX in the XXXX XXXX its really not fair for the people that live in the XXXX XXXX most of the time they day my payment is due I work until XXXX  I try to pay before a lot of times I have a problem with my phone internet like today I didn't get off until XXXX I tried to make a payment before but it didn't work and I had to back to work and I got in like an hour after the due I pay on they day they are due but they to get like an hour past the cutoff this cutoff times are really not fair I want all my late fees credited they get them on they day they are due and they charging XXXX because my payment posted maybe an hour after the cutoff times on the day they are due why should I be punished for the way there computer programs work everyone one of these they are getting them the day they are due and they don't seem to care at all I want every late payment credited

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Medicredit keeps calling and sending bill for a hospital bill on XXXX XXXX XXXX XXXX XXXX. He is an adult and I am not Financially responsible for his bills. In fact he does not live here due to him being in XXXX. We have inform them of this numerous and they still harass me, Not only harass me but told me medical info on son which is a violation of HIPPA.

Company response to consumer: Closed with explanation