BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
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: 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. [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 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 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 2020-09-21
Company: National Credit Adjusters, LLC
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Management posted a Collection to my credit report the day after the balance was paid in full to the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of a phishing scam as a XXXX at XXXX XXXX. Received a message at the email address given to me by XXXX XXXX of a job offer from a supposed Professor of XXXX XXXX XXXX XXXX as a XXXX. The job said all I had to do was XXXX XXXX, XXXX XXXX and make some purchases that he would pay for by sending me echecks through email that I would print out and deposit in my account since he couldnt do it himself for being out of XXXX until school began. On XX/XX/18 I began by purchading a printer, business check paper to print checks of up to XXXX $ each. He sent three checks on that day and I purchased 7 XXXX gift cards he said XXXX XXXX XXXX   used to purchase an app with programs that mentally disabled students enjoyed and one of the checks was supposedly to cover my pay of XXXX $ a week and the cost of the other purchases. Only one check cleared that day and I got skeptical so when he asked me to buy more cards, I hesitated and told him I would wait till checks cleared if at all. It took two days for the other two to clear and that only made me believe the job was legitimate. The next day I was skeptical still and called Chase bank to ok some high amount purchases for the gift cards. They had emailed me to check if I made the transactions and I asked if the checks I deposited were real or if they were fake and could bounce but the funds cleared and I thought the checks were legit. U called school to check is the professor and job were real on Friday XX/XX/18 but it is closed on Fridays for summer so I continued depositing checks for more cards for a total of 9 checks until the next day Saturday when I quit the job. Four days later on Wed XX/XX/XXXX all the checks had bounced as fictitious and my account went from XXXX $ to XXXX $ cause Chase appropriated my money to cover the check amounts and charged me with the remaining amount as overdrafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been making on-time payments to XXXX since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested XXXX   to stop auto-pay since I was severely affected but XXXX still tried to process and take money form my bank account which did not have any money in it. I again contacted XXXX and requested for a relief that was granted but XXXX still reported late payment to credit reporting agencies. I contacted XXXX and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXXXXXX XXXX incorrectly reported a 120 day late payment on my credit report. I disputed the error. XXXXXXXX XXXX sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, XXXX continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-05-11
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a ACH payment which caught me up on my car payment then I did a debit hit me by mistake I'm asking them to refund me that payment so I can get by the rest of the month for my medication and other bills that I need to take care of and they're refusing to refund me that {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe the XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Chime Financial Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Today XX/XX/2021 at XXXX XXXX received am alert of an outstanding account. Once I checked on it I had no idea what it is from but then I saw XXXX/CHIME on my credit report I knew automatically that it is fraud. CHIME is a prepaid debit card, and one card is a " Credit Builder '' card. I have both and there is no way possible that I can use the card without first loading money onto it. The alert say On XX/XX/2021 I was reported to XXXX  for owing XXXX/CHIME in the amount of XXXX. This is FRAUD! My card is active an since I've started using it I've kept money on it. It's impossible to owe a prepaid card. No fees, no set up fees, nothing just load and use to supposedly raise your credit. I don't qualify for a spending advance that CHIME offers because I don't get enough direct deposits, and it's only {$20.00}. But that's an offer that I don't qualify for. I can NOT possibly owe them any money, PLEASE help me. This is FRAUD AGAIN! My restoration specialist name is XXXX XXXX XXXX. My contact is XXXX and my mobile number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2017 I got a distribution from my IRA at Capital One Financial of {$35000.00}. I instructed them to send {$33000.00} to my bank account ( which they did ) and withhold {$1400.00} for North Carolina state income tax. The {$1400.00} shows on my statement as withheld but when I received my XXXX for 2017 it was not on it. I've called them several times in the last 2 weeks and Customer service tells me that another department has to look into it and they'll call me back. No answer yet so I appear to have a problem with under-withholding for NC income tax and face a likely penalty. Also, the {$1400.00} is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: 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 name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 an 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 2022-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry on my credit from Capital One ( date : XX/XX/22 ) for an unspecified credit line. I did not apply for any credit product through Capital One or any other lender and this is either fraud or an unauthorized credit inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TRANSUNION IS REPORTING INCORRECT ACCOUNT INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT WAS REMOVED A YEAR AGO DUE TO ACCOUNT NOT BEING MINE.

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 2018-09-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX is reporting erroneously on Experian, XXXX and XXXX   credit bureaus.The account number is XXXX.The information is both inaccurate and incomplete.The payment history is inaccurate or incomplete.The account was closed on XX/XX/XXXX due to non-payment.The first payment missed was XX/XX/XXXX, it was 30 days late ( experian has this correct ) but XXXX was 60 days late, XX/XX/XXXX 90 days late and then closed XX/XX/XXXX.According to the facts the account is too old to report according to FCRA.The information supplied by the creditor that says otherwise is fraudulent.The date of first delinquency is XX/XX/XXXX.Re ageing it what is described above by the FCRA is prohibited and illegal. 
Upon receipt all 3 bureaus are required to delete and XXXX XXXXXXXX XXXX  should be referred to a banking regulator if need be following this complaint.I have a letter from XXXX XXXX claiming not to understand the nature of similar disputes as not being specific.I hope this complaint is specific.

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 2020-05-25
Company: Experian Information Solutions Inc.
State: CA
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. 

I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. 

THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. 

I HAVE SENT DISPUTE LETTERS ON XXXX20 BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX20 WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO  RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

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 2019-10-23
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:
Multiple accounts are reporting on my credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
on XX/XX/XXXX i called experian to remove fraud alerts from my file. 

they are refusing to delete my fraud alert i submitted documentation attached is the documentation I sent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: SIMM Associates, Inc.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company states fake phone numbers are " purchased '' by the company, yet they are owned by people not associated with the company. It is called XXXX search. Easy to find out who owns the phone numbers and easy to find out when the phone number is called back that it does not belong to SIMM Associates. I DO NOT ANSWER CALLS FROM NUMBERS I DO NOT KNOW. THIS HARASSMENT HAS BEEN TAKING PLACE FOR SEVERAL MONTHS. Caller ID spoofing is ILLEGAL. Company also states I will no longer receive calls from them yet I have received 3 from them AS OF XX/XX/2018 still using FAKE local numbers, leaving NO MESSAGE. I NEVER SAID I WANTED A CALL BACK FROM THE COMPANY. SIMM ASSOCIATES IS A SCAM. I have NO BUSINESS with this " company '' nor will I EVER give any money to a company that illegally hides their caller ID information behind fake local numbers not owned by the company. SIMM Associates is a fraud. CFPB closed my previous complaint without a response from me to the company. Not happy about CFPB actions either with regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
They took me through so much they denied me at first them finally approved my claim XX/XX/XXXX I was told that once it was approved I would have my funds now here we are its approved and I still dont have anything in my account but the Definitely made sure that they took out their adjustment credit fees I need my funds now and dont have them all they have to do is send me my funds and they still have yet to send me my money back to my account this has been my worst nightmare I have until XX/XX/2021 to pay my bill and still do t have my funds and not ton mention I was told that I could not get another card until my balance was brought back up to a positive balance all because One of the agents said that they seen a positive balance in my account back in XXXX and try to re-issue me another card and it not only denied her but it also close my car so now I have to wait until my balance comes back up to a positive to get another card this is ridiculous and very incompetent

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