BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transuion credit reporting drop my credit score while I had no collections or negative items on my account. Transuion and XXXX said because I paid off my full XXXX XXXX account I lost my good credit score. But Days later I opened the same account again with a new balance.

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 2020-07-23
Company: Experian Information Solutions Inc.
State: SC
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 AN INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT 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 IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2023-03-16
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XX/XX/2022, I traveled to XXXX to visit family. I used my Chase card to purchase my mom trip back with me to Florida. Well we decided to travel back to Florida earlier then our tickets we booked. So I called XXXX and they referred my backing to the online travel company XXXX for any ticket changes. They advised me that my ticket fare code allows me to change my ticket with a change fee plus any difference in cost. So I went to XXXX and sent request for pricing and ticket change. We'll XXXX decided to book me a other full fare ticket disregarding the ticket thay I already purchased. I sent them countless emails because you can't call them and they didn't respond. I filed a complaint with XXXX and they have not responded. So within my 60 day window I filed a complaint with Chase Bank. The said they investigated and that the merchant has proof you purchased the ticket. I tried to tell Chase. The purchase was not authorized. I originally paid over {$9.00} ] ] for the first ticket why would I pay an additional $ XXXX when XXXX told me it should have {$150.00} euro fee plus an additional $ XXXX euro in cost. Chase did not care and place rhe charge back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I've made several attempts to dispute fraudulent credit cards that have posted to my credit file. In which nothing has happen. Please help me to dispute the accounts that should not be posted to my credit as Covid has taken so much from me and my family. I've also attempted disputing with XXXX, XXXX, XXXX. In which I received no response.

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 2023-04-24
Company: Experian Information Solutions 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:
TODAYS DATE:04/24/2023 XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2021-04-28
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LexisNexis is violating my right to Privacy as a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative on all accounts created by my seal/signature, FCRA and FDCP statutes by violating my right to privacy. I am NOT opting out of this company because I have never contacted them, never signed any contract with them. 15USC. Code 1681 - Congressional findings ( a ) Accuracy and fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There 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. Code 1692 b Communication with third parties. 
( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, TITLE 1.81.5. California Consumer Privacy Act of 2018 1798.100 - 1798.199.100 ( b ) A business that collects a consumers personal information shall, at or before the point of collection, inform consumers as to the categories of personal information to be collected and the purposes for which the categories

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Source receivable management along with XXXX XXXX trying to get a debt paid from stolen merchandise I dont have a police report for the XXXX XXXX phone because it was an inside job with a dishonest XXXX worker Source receivable management should speak with the company who sold them the debt and provide me with Proof that I did or didnt receive the rebate for the phone to pay XXXX XXXX  which I did not. Source receivable also has a non working email address for XXXX XXXX fraud dispute so the letter that was sent was made by source receivable management in an attempt to bully me into paying the debt and NOT doing its due diligence in finding out if the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX 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 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 in formation Any other adverse item of information, other than records of convictions of crimes which antedates the reporte 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 2023-03-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I find out that the same accounts on my credit report was inaccurate when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Social Finance, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2021, I filed disputes for transactions in my account that I didn't authorize that happened on my debit card as well as a check that was written on my account and for filing the dispute the closed my account never refunded my transactions and now I can't even access my bank statements I had with them. I had the XXXX XXXX XXXX that was supposed to be deposited into this account and they rejected it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: BB&T CORPORATION
State: GA
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:
Contacted a representative about the account in my dispute for inaccurate residency information resulting in me not receiving the information on file. She stated the address for contact information was the address listed on my rental agreement I attached not the XXXX XXXX XXXX address. I let her know that I wanted to know information regarding the debt but she informed me it had been paid, reflecting a XXXX  balance since XX/XX/XXXX, yet Regional Acceptance has been reporting fail to pay for those 3 almost 4 years when they weren't reporting the information accurately as charge-off. RAC is reporting a balance still owed to them for {$8400.00}, but it was written off or sold. RAC is being vindictive and trying to report FTP to try to get me to settle on a debt that I did not legally get information on regarding a " Notice of our Plan to Sell Property '' or " Deficiency '' when the contact information they had was the correct address I had moved to. It was confirmed today XX/XX/XXXX via phone XXXX, that Regional Acceptance has a XXXX  balance listed on my account XXXX, with a final payment after the one XX/XX/XXXX for {$13000.00}. They do have the right to report a {$0.00} balance but can not continue to report fail to pay for something there's no balance on. RAC still had not provided me with the information about the point of sale therefore I'm still looking for resolution for the account to be removed since they violated my right to receive notice. They must immediately report the {$0.00} balance until then due to inaccurate information being reported.

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 2019-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company is 'Portfolio Recovery ', contacting me via my cell phone from XXXX. I have repeatedly told this company to stop contacting me about this debt that is >16 years old. They always call from unidentifiable numbers. I have sent them letters via certified mail, still, the calls continue. I use my cell phone for business purposes. I can't handle having these harassing calls continue year after year despite my every effort to get them to stop. If they do not cease I will take action in small claims court for every FDCPA infraction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: AZ
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:
equifax has my date of birth wrong. 
Your last response was to tell me to call or " log in. '' with the equifax solution. Please understand that if your date of birth is wrong you can NEVER GET PAST THE VERIFICATION STEP. Even after I send in ( 4 times- XXXX via certified mail ) ) copies of all proof of data, equirfax will not fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I just found out a Company by the name of ERC charged my credit card {$320.00} on XX/XX/19. On XX/XX/19 was the first time I was informed of this charge. I never heard of this company nor have I given out my credit card number to anyone from this company. I could not get any of the company 's representative to tell me what I was charged for, nor would they tell me how the they got my credit card information. This is a fraudulent action by this company. I am not alone with this complaint from ERC ( Enhanced Recovery Company , LLC ) There are numerous complaints filed on Yelp by other consumers. I did call my credit card company and disputed the charge. Some time ago, I recall getting missed calls messages telling me I was going to Jail and the Federal government was in the process of having me put in jail. I am federal worker, I am still employed as a federal employee and as of XX/XX/19 I remain not incarcerated. It just seem suspicious that My credit card was hacked and this company was able to file for funds from my credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My credit score dropped 20 points recently and I did not know why. I pulled my most current credit report and found " National Credit Audit Corp '' from something from XXXX. It was reported XX/XX/XXXX but stated it was assigned XX/XX/XXXX. The creditor class states 'rental/lease ''. I do not know what this is about and why is this suddenly popping up five years later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Derogatory marks PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 DISMSD/CLSD CHXXXX

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 2021-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was labeled DEAD in three Bank of America accounts, XXXX XXXX XXXX  I am not DEAD!

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 2018-07-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
2 months ago, I contacted Citibank Thank You Preferred credit card customer service requesting a temporary reduction in my interest rate as I had some unexpected expenses and inquired why my payment had jumped from the {$300.00} range to the mid {$400.00} per month. I said I had not made any additional purchases and the representative said that no they can't help me with any interest rate reduction and she started reviewing my account. She said " Oh, I see what is happening, you are being " punished '' so to speak with an additional interest rate being added to your already existing interest rate because of two late payments in a 6 month period. And that remains for 6 months and I was at the end of the punishment period, so that payment amount should drop on the next statement. She since she couldn't help me with reducing my rate, she would give me XXXX thank you points which I haven't seen on my statement either. 
Well the payment didn't drop, it remained in the mid {$400.00} range and what they are doing is wrong. Gouging customers for late pays with additional interest rates on top of the existing they are already charging and that is on top of late fees. Citibank is on the East Coast 3 hours ahead of us, so when we make our payment on the due date here in California, and because my work hours I've had to make it after XXXX at the ATM at a local branch, and its considered late because in NY its the next day. I have call the relationship manager in my local branch left 3 messages and never received a return call. I want to change the due date on my account, because of when my check arrives in the mail, and the local branch is of no help at all. I am shocked at what they are doing and it is wrong. Gouging customers with so much interest rate charges it makes it difficult to make the payment.

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