BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX, XXXX and/or TransUnion ) credit report, according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made this inquiry knowingly, willingly of my own will you must remove it as such. 

I writing to dispute the following inquiries and asking for their removal from my credit report. 

Item No. Creditor Account Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a current and corrected copy of my credit report once this issue is resolved. 

Thank you in advance for your swift, expedited assistance with this matter. 
Inquiry details Onemain Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Deal Inquiry from XX/XX/XXXX Bank XXXX XXXX  Deal Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Real Estate/Public Accommodations XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX PXXXXus Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from Apr XXXX, XXXX National Credit Cards/Airlines XXXX   XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Advanced Resolution Services Inc.
State: FL
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 via XXXX to XXXXS in regards to the bankruptcy listed on my ARS report. In response I received a letter back on XX/XX/2021 stating that ARS verified the " alleged '' bankruptcies through XXXX. However on XXXX website, they explicitly state " XXXX DOES NOT MATCH BANKRUPTCY INFO TO XXXX CREDIT FILES ''. XXXX so how do YOU consider this information verified if XXXX is stating they don't verify such information? If XXXX is reporting data it obtained from a company who isn't FCRA compliant then XXXX wouldn't be FCRA complaint, right? XXXX claims they get information from XXXX, but XXXX  doesn't report full SSN 's so how are they verifying who the records belongs to? Just guessing? I have also reached out the courthouse these " bankruptcies '' is housed at, they responded back with a letter stating they do NOT release information to 3rd party companies. Also if you have not physically gone and received documents with my full social security number this is NOT a verified item which means it must be immediately removed. Neither XXXX nor the courthouse release information to any 3rd party companies. Provide exact proof on how these " bankruptcies '' were verified as accurate showing FULL SOCIAL SECURITY NUMBER as proof. ARS in return sent in information only showing the last four of a social security number, which is NOT verification. Items are unverified if full social security number is not shown. XXXX is not a for profit company thus does not supply full social security numbers nor information to 3rd party companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: CL Holdings 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 2021-03-05
Company: EQUIFAX, INC.
State: NV
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX APTS ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: JPMORGAN CHASE & CO.
State: PA
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:
THIS IS NOT A DUPLICATE Chase charged me {$120.00} on XX/XX/XXXX. Till date, XXXX the vendor who was supposed to get this payment has not received it. I spoke to their Billing dept yesterday. 

I called Chase and they want the Vendor to call their Bank. 

This is ridiculous and has happened first time in 30+ years since I have used a credit card. Chase charged me and need to pay the Vendor. If the Vendor does not get it, I need refund back. Why should my vendor call their Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Predatory Student Lending, Request Student loan Discharge and Forgiveness. 

Request to have student loan discharged or Forgiveness. 

I believe the XXXX XXXX XXXX practiced Predatory Student Lending. 
I sent this information XXXX ( see attached letter ) to the Department of Justice in an attempt to get assistance with raising awareness of this schools inhumane practice of getting students to sing up for their classes and then leaving them in student loan debt due to sub par Classes and training. 
It has been brought to our attention that this school is no longer open. In fact the schools have all but closed due to its misrepresentation to offer a degree and paying job to match its high tuition. There are a few left, but the mail ones from XXXX, XXXX and XXXX have closed. 
The only number to call and speak to anyone and they dont offer any options to gather transcripts is other than email. There is no one to speak at XXXX XXXX about this situation. 
I have sent my email request to : from : XXXX XXXX XXXX to : XXXX date : XX/XX/XXXX, XXXX XXXX subject : I need my transcripts please mailed-by : XXXX I await a response, here is the info from the website. 

Transcripts We have processed XXXX transcript requests to date and have an additional XXXX being processed. If you need transcripts but have not ordered them, please check back on this page after XX/XX/XXXX for instructions on how to do so. If you have an emergency ( i.e. a licensure deadline, a deadline for a company hiring you, etc. ) you may send a follow-up email to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello : I have been working on my credit for several years and have a decent credit score, however, anytime I use more than 30 % of my credit card limit, XXXX XXXX and Experian will instantly lower my score but they do not instantly raise my credit score when I payoff and/or pay down my credit cards. It typically takes 30-60 days to increase my credit score after I payoff or pay down my credit cards but the credit score decrease is instant. And the decrease can be anywhere from 5 to 10 points or more. I do not believe this is far and puts my credit at a disadvantage. If I want to apply for new credit I have to wait 30 to 60 days for my score to increase but again the decrease score is instant. I have been watching this as a pattern for the past 5 years. I am certain that I am not the only one that this is happening to. Why do they do it? If they can instantly lower a score, why can't they instantly raise a score? Why is there a delay for an improvement in credit? Who benefits from this? I can not say if XXXX  does this as I do not have a service, nor know of one, that I can monitor XXXX  daily.

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 2015-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i disputed a {$500.00} charge and they claimed it wasnt paid

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 2023-03-11
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. 
I need to correct credit bureaus ' errors and update my records. Here is the account that must be corrected. 
DISCOVER BANK XXXX XXXX  : {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Santander Consumer USA Holdings Inc.
State: MO
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:
These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, XXXX XXXX obtained a copy of my Credit Report without my consent or authorization from Experian and other Credit Reporting Agencies for the purposes of auto loan.

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 2022-11-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did Equifax subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
their customer service would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of unauthorized inquires and explained the situation in detail and they ( transunion ) told me I was in fact not a victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: IA
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:
XXXX  XXXX XXXX XXXX {$4500.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$26000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. US Bankruptcy Court XXXX XXXX {$0.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed XXXX XXXX XX/XX/XXXX {$5100.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$2300.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX  XXXX XX/XX/XXXX {$5400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.XXXX XXXX XXXX XXXX {$1900.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1700.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$1400.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed. XXXX XXXX XX/XX/XXXX {$2000.00} I have spoken to the company about this account and filed an ftc report and nothing have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Resurgent Capital Services L.P.
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:
1. LVNV FUNDING 2.XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX sent me a check claim refund for {$310.00} from their Bank of America account. Someone stole my check and printed their name on it, right underneath my company name. I don't know this person, other than he obviously has a XXXX XXXX XXXX to ours in the XXXX XXXX USPTO. That someone deposited my check in their XXXX XXXX account even though the name on the check was meant for XXXX XXXX Bank of America cleared the check even though the company name did not match the company name on the check. 

I requested XXXX XXXX and Bank of America to reverse the transaction and give the money to us. But, they said the money is already deposited and there is nothing they can do about it.

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 2021-06-28
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/2021 I reach out to credit reporting agency about incorrect accounts of my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had an auto loan with Santander Consumer USA. I was a few weeks behind in my payment. I was never notified, or given an opportunity to pay anything at all. One morning while driving to work a tow truck driver hired by Santander rammed the side of my car and pushed me off the road. The driver literally hit me while I was driving. I had a coworker I had just picked up with me. She was very frightened for her safety. We were both scared, and emotional. Fortunately my coworker was able to record some of the assault with her camera phone. The driver would not identify himself, only saying, Im collecting for Santander. We were left on the side of the road. No contact info for Santander was given. I can not believe XXXX XXXX would participate in such brutish actions. I will be seeking legal action. Right now I want a record of the incident public, and I want the illegal debt removed from all three of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Cohen McNeile & Pappas, PC
State: MO
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 received a collection letter from a law firm representing XXXX XXXX. They claim I owe {$14000.00}. They demanded that I pay on the debt. The letter was addressed to me by a former name that changed 17 years ago, not my current name. I was divorced in XXXX of XXXX. I have a credit card with XXXX, but in my current name. I believe my identity was stolen and used to make charges on this account that I know nothing of. XXXX had no correspondence with me prior to this letter. The letter did n't even let me know an account number. The law firm is now taking me to court to make me pay these fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation