BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 went to apply for a bank checking account and was declined of the application. I asked the banker why and was informed that I had numerous XXXX listed. I had a report issued to me and noticed there is accounts that did not belong to me listed on them as a result of identity theft.

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 2023-01-16
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:
XXXX XXXX XXXX # XXXX, XXXX accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights. 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

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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX I submitted disputes to all 3 credit bureaus pertaining to XXXX XXXX. Per their last " investigation '' they came back as verified and updated that this account as no change. Per my credit reports, it shows that this was updated as recently as XXXX of XXXX. This is totally inaccurate. I had XXXX  late payments in XXXX. They are also showing this on a closed account. With this reporting as recent as XX/XX/XXXX it now appears as a recent delinquency which has caused me undue financial hardship.

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 2022-01-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the local chase atm XX/XX/22 around XXXX. Deposited all of my money ( literally every last dollar ) and the atm glitch after taking my cash deposit. The gear spinned for about XXXX minutes. It then showed the screen in the picture I attached. Telling me to call chase if I didnt see my deposit. I didnt see my money in my account so I called the number provided and the representative told me that claims was closed and I would have to call back in the morning. I called claims directly as soon as they opened XX/XX/22 and made the claim. The representative told me it can take up to 10 days to get a response or even see a temporary credit but its usually much sooner. I called back XX/XX/22 checking the status and that representative told me its in the Finance departments que for approval so it should only take XXXX business days. Called back XX/XX/22 for an update because like I stated, I deposited all of my money into the atm and with XXXX kids at home, waiting another two weeks isnt going to work. The initial representative just kept repeating I had to wait and would not transfer me to her supervisor. After telling her several more times, she finally transferred me and that took another 20 minutes. The supervisor researched about 10 minutes the first hold she put me on then continued when she took me off of hold and told me Im not going to risk losing my job to approve a temporary credit for your account. Im not saying youre lying but I cant see your atm transaction so I have to wait until our 3rd party atm vendor counts the money and gives us a report but we dont have schedules for when they empty atms I told her pull the cameras, you will see my car, and I even reached out of my car! But she just kept repeating she wasnt going to lose her job to help me and I had to wait. I informed her I had no money and was unable to go grocery shopping, had to cancel doctors appointments, And would have to cancel my daughters birthday party and all she said was well there is nothing I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Experian Information Solutions 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:
sent them information about inquires that are not mine they just left on there exp, 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 2023-02-04
Company: EQUIFAX, INC.
State: CO
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: MA
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:
The accounts in question are IN COLLECTIONS : XXXX XXXX : XXXX Unknown Collection Agency : XXXX XXXX XXXX XXXX : XXXX The account in question which is closed and has a ton of INACCURATE INFORMATION : XXXX XXXX XXXX : XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX A BOUT THIS credit report and found some addresses that appear incorrect. Not only did I find addresses, but I XXXX. 

I looked over the ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE 15 USC 1681CTAKEN OFF ASAP. 2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion reporting Personal information incorrect address 2 wrong from XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX not mine, XXXXXXXX XXXXXXXX XXXX  XXXX Not mine, a phone number never attached to me XXXX Account status incorrect showing delinquent when its not ( XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX not reporting accurate XX/XX/XXXX & XX/XX/XXXX shoes repo status and was not, balance always reporting inaccurate and different no monthly term, no monthly payment amount, missing info XXXX ) Account information incorrect the payment amounts and loan balance ( first access showing past due and not, incomplete payment history XXXX, XXXX  XXXX account paid off XX/XX/XXXX, incomplete information, XXXX XXXX paid off and account and XXXX XXXX in hood standing incomplete remarks XXXX XXXX  charge off XXXX Never opened an account reporting {$0.00} per month term but a charge off of {$2800.00} Hard inquires on my credit report that I did not authorize and asked to be removed XX/XX/XXXX, XX/XX/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 2022-10-20
Company: MoneyLion Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a dispute for 30+ International transactions that occurred in under 15 minutes. My bank stated there were no irregularities yet there were multiple of the same transactions to a company in XXXX and a few other transactions to another company in XXXX. I have filed a police report and will file a lawsuit against the bank if my money and funds are not returned. More than {$2500.00} was taken out of my 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 non-monetary relief
Consumer complaint received 2021-11-15
Company: Resurgent Capital Services L.P.
State: AL
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 filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: One Source Technology
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was tried and plead guilty to two XXXX XXXX and XXXX on X/XX/17, i paid the XXXX dollars required and then went on an XXXX XXXX for 3 months and am now continuing on to XXXX for the next year and a half but since employer background checks are coming back with a XXXX XXXX! I am not a XXXX, and this incorrect information has caused me to miss the largest career oppurtunity of my life. Please help!!

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 2023-03-01
Company: ROBINHOOD MARKETS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ive been a Robinhood customer for years with a cash management account. I recently had to dispute a charge on my debit card and support would not initiate my dispute for almost a week. In this time, they limited my ability to request live support ( chat and phone ) through the app. My only option was to submit a ticket via email. 

It has been almost a month and this issue persists. I reached out to support today and representative XXXX informed me that they cant give me access to live support at this time but I may be able to establish rapport with them to enable this later on. 

This is absolutely ridiculous and against their obligations as a financial institution. As a banking customer, it is my right to be able to contact support through any channel I want to, whenever I need it. Its not a privilege that can be revoked and held over my head with conditions. 

Robinhood Money LLC is acting unethically and I do not trust them to hold any of my funds or assets. I need access to live support through ALL channels on my account to be reinstated promptly and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sent a {$15000.00} XXXX check to my US checking account, Pentagon Federal Credit Union, with the required special international form on XX/XX/2021. It was sent registered and signed for on XX/XX/2021 at XXXX. The funds have yet to be deposited into my account. I have called numerous times, and have been told the funds need to go to a 3rd party, XXXX XXXX, and it could take 4 to 6 weeks. My XXXX account informed me the check was cashed XX/XX/XXXX, but as of today, the funds have not been deposited into my checking account. I have no clue where my money is, and who is collecting interest on my funds.

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: OH
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:
The deceptive accounts that have been previously disputed are still in my credit report.These should have been removed then because these are unproven and no documentation provided. I would like to remind you that the law never allows errors to be part of the file. Also, continued reporting of unverified accounts is punishable and may ruin your reputation. This letter serves as my formal appeal for investigation and correction of the undesirable accounts which are actually lowering my credit score. The accounts I am referring to are listed below : Account name : XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Business Credit Card Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Unsecured Loan Account name : XXXX XXXX I Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection Account name : NXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection NOTE THAT, YOU HAVE THIRTY DAYS GIVEN BY LAW FOR YOU TO COMPLETE THIS DISPUTE AND PROVIDE ME WITH THE RESULTS.An improved credit report is anticipated to take place after your investigation is done. Please grant my request and I am hoping that you will take prompt action regarding this issue. I am expecting to receive an updated report 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 explanation
Consumer complaint received 2021-11-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC XXXX Balance {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed several things in on my credit report that have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. 
According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Checkr, Inc
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX and XX/XX/2018, I received several emails from a company called Checkr that claimed to be doing a background check for XXXX. 

I have never applied to work for XXXX. I never had any dealings with XXXX or Checkr. The information in the emails that I received clearly belonged to someone else. One of the reports attached to an email contained someones date of birth, the last 4 digits of their SSN, their DL number, zip code, etc. 

I called Checkr, and told them about the problem. XXXX, the person I spoke with on the phone from Checkr, said that he had no record of any emails ever being sent to me. I forwarded him the emails, to show that Checkr did in fact send me several emails, many of which contained someone else 's personal sensitive information. 

This is a dangerous data breach, and Checkr did seem to take it very seriously, in terms of getting to the bottom of the issue. I still have no idea ( 1 ) why I received these emails with someone else 's sensitive information, ( 2 ) why Checkr had no record of sending them, and ( 3 ) what Checkr plans to do about it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOVERY A XXXX  Balance {$460.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX XXXX I was contacted by a XXXX XXXX who when telling me details of a medical debt immediately became abusive as I explained that secondary insurance was provided to the doctor. She did not even attempt to investigate or validate that fact. started yelling and talking over me. on XXXXXX/XX/XXXX17 She once again became abusive and threatening once I asked her where can I file a counter claim because monies were paid to the provider that should not have been. she became abusive that threatened legal action if I did not immediately paid her. I advised her I would file a complaint.

Company response to consumer: Closed with explanation