BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: Dynamic Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated phone calls from this debt collector attempting to collect on a credit card debt from a company that I resolved the issue with over 10 years ago. I have advised them verbally on recording from them and myself and in writing ( delivered certified mail and signed for XX/XX/2018 at the front desk to cease and desist and to validate the debt. I have continued to receive phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: GA
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 tried with Equifax to resolve this now Im filing a complaint with consumer financial protection bureau, I have a fraudulent inquiry just one on my credit report, I do recognize this inquiry I want it removed every time I call Equifax I have been hung up on and treated rudely, i know the fair credit reporting act and it says i can dispute any and all negative accounts that are not mine and any information I dont recognize including inquiries that show up in my report, this inquiry is from XXXX days XXXX I do not recognize this inquiry Im disputing this as fraud and please remove this inquiry from my report I DO NOT WANT a fraud alert on my report I repeat do not put a fraud alert on my report just simply remove this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.

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 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 is still appearing on all three of my credit reports although the balance has been satisfied. It still shows as an open loan with the full amount due and that is incorrect.

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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
To Whom This May Concern, I currently have an account with Transunion where I used to be able to place and remove freezes, file disputes and do other maintenance. However, about 6 months ago, I became unable to get into the account and initiate any of these activities. There seems to be some sort of error or glitch which is preventing me from freezing my credit, accessing my XXXX XXXX XXXX ( via XXXX ), and making disputes online.

I called multiple times and spoke with numerous representatives. Each diagnosed a different problem and claimed that it had been corrected. After a few weeks I finally gave up. I've spent countless hours trying to correct this.

Tonight I tried once again to get in, hoping that whatever issues that once were have somehow magically been resolved. Unfortunately, nothing has changed.

At this point I do not know how to proceed. I am hoping this message reaches the appropriate department who can review the issue and correct 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 non-monetary relief
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, since my original mortgage from XXXX XXXX XXXX XXXX   was sold to XXXX, in XX/XX/2017, for some unexplained reason, the lender has stated at least in the past year, despite the fact that Ive always made my mortgage payment, that I was behind on my mortgage but did not clearly explain why. This has adversely affected my credit scores and more specifically, this past week, caused a refinance to be denied, reportedly because of these lates, which were reported to the credit bureaus. They never explained clearly to me why they were doing this and now it has affected my ability to refinance my loan, which I need to do in order to pay off all the debt Ive accumulated, in order to make my mortgage payment each month.

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 2020-11-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new checking account with promotion offer from Chase bank in XXXX, XXXX. I met the requirement in the offer but has not received the bonus of {$300.00} as advertised. I kindly request the bank honor the offer and pay the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-28
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 non-monetary relief
Consumer complaint received 2018-07-11
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent two Debt Validation letters ( XX/XX/2018, XX/XX/2018, ) to Cavalry Portfolio Services requesting proof that I owe Them money for an alleged debt. I asked them to provide me with any paperwork with my signature to prove that I agreed to pay Cavalry Portfolio Services for this alleged debt. Cavalry Portfolio Services has failed to provide me with any proof that I owe Cavalry Portfolio Services any money or that I have signed any paperwork agreeing to pay them any money.

I also asked Cavalry Portfolio Services to stop reporting negative information to the three ( 3 ) major reporting bureau 's ( XXXX, XXXX or XXXX ) until they provide me with proof that I owe Cavalry Portfolio any money. They have failed to stop reporting invalidated information the three ( 3 ) major reporting bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions Inc.
State: GA
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 received inquiries on my credit reporting file that I did not authorize. I have disputed them several times. The only company that has corrected the issue is XXXX. XXXX  and Experian have not corrected the issue after 60 days.I HAVE DISPUTED THESE UNAUTHORIZED INQUIRIES WITH EXPERIAN, XXXX  AND XXXX  ON SEVERAL OCCASIONS. I EVEN BOUGHT MEMBERSHIPS WITH THEIR CREDIT REPORTING AGENCIES AS A GOODWILL GESTURE, BUT STILL NO HELP. 

1. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX 2. XX/XX/XXXX XXXX  XXXX XXXX - XXXX  XXXX   XXXX  -, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX  XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 5. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, VA XXXX 6. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA 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 2020-08-24
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I have sent several letters and called Navy Federal requesting the removal of a Fraudulent address and all accounts that were associated with the fraudulent address. 

I have never lived at .. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please remove the address and all the accounts you have associated with from my credit report. Furthermore i called the apartment complex for that address and they dont even have an XXXX XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submited a claim with my bank for some transactions made with my debit card that was not authorize by me. 
XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX All of this transactions were made by my debit card of my account at Bank of America. 
As soon I noticed this fraudulent transactions I locked the card trough the app on XX/XX/2021 and after that I submitted the claim XXXX being denied after few days later. I submitted an appeal explaining the same situation here and also that my XXXX were I have the mobile app was at the technician during that period that may be the cause of all of this fraudulent transactions.

The appeal was also denied so thats why im filling this claim form. 
Also my card was saved at XXXX, XXXX, and other internet service were can be taken.

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 2021-05-24
Company: Centron Services
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I reviewed my credit report with XXXX, XXXX and XXXX. I had noticed a collection item was placed on there for Centron Services Inc in the amount of {$2200.00}. Account number displayed was XXXX. I called the collections agency which was named Centron Services Inc with a phone number XXXX. I spoke to a male collector. I advised the rep who answered there are multiple violations regarding the FCRA. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you Centron Services Inc has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Also Centron Services Inc did not send me a letter in writing to give me any notice of such debt. They are legally to send me a letter in writing allowing me 30 days to dispute the validity of a debt in which they did not. They put it on my credit report with no notice. I requested proof bearing any documents with my signature on it with Centron Services Inc company documents or any letterhead. They have been unable to provide proof of my signature on any of thier company documents. 

Also, the creditor they claim i owe funds to is being sued in a Class Action Lawsuit, please see Christine Skinner, et al. v. Glacier Bank. Centron Services Inc is unable to validate any true amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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: Their investigation did not fix an error on your report

Complaint:
I requested an investigation on a bankruptcy reported on my Experian file under my social security number which they responded their provider has confirmed the accuracy of the information, and yet when I requested the method of the investigation and the source of the information provide for over a year Experian has refused to provide that information even though I opened a complaint with CFPB ( Complaint # XXXX ) and they just responded again with a predefined response without providing information about the method of investigation and the detail of the information provider. 
I also included a copy of the court response letter which they completely ignored to consider. 
Experian is in violation of my FCRA rights and must provide the details on the source of the information they include in my Experian report as per FCRA.

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A check of mine was forged and cashed out of state. The bank should have never cashed this check of mine that does not match my handwriting and is for an amount i've never written a check for, anything near this high I would have used a cashiers check for security. The check is obviously forged and the bank had no protections in place to prevent this forged check use. 

Fraud claim # XXXX Committed in XXXX OK at XXXX XXXX XXXX XXXX Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-28
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:
AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recognized that XXXX XXXX submitted 16 unauthorized inquiries on my credit report on XX/XX/2018. 

BMO Harris was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager. 

He refused to help. 

It is very unfair that they did that. It lowered my credit score by 200 points.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX  XXXX {$1700.00} DEPT OF ED/XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$3000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX {$130000.00} XXXX/XXXX  XXXX {$270.00} XXXX XXXX {$24000.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX   XXXX {$78000.00} XXXX/XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} US DEP ED XXXX {$2800.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-01-31
Company: AMCOL Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On or about Monday XX/XX/2020 I received mail that just had a P.O. Box number from XXXX, SC XXXX addressed to me and upon opening it I saw 4 sheets of paper the first one Had XXXX XXXX XXXX ( which is a hospital in Indiana that I have been corresponding with ) it said RE : patient XXXX XXXX Account number ( it had 2 ) date of service and balance. It asked for 7 different proofs of financial information and had XXXX XXXX address at the bottom. One had my address and the others were asking for personal info. There was not a letter explaining it came from a collection agency but I found it strange that XXXX XXXX hadnt inserted a letter explaining it was from them so I looked the address and discovered it came from Amcol debt collection. I knew the name because they are reporting on my credit reports. This was as dishonest as it gets. Im not sure if XXXX XXXX allows this but if they do thats not right but honestly I dont think the knew because they already have my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: LEXISNEXIS
State: NC
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:
I recently requested a investigation on XX/XX/XXXX and Lexis Nexis received on XX/XX/XXXX via certified mail.I am filing this complaint because LexisNexis has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that LexisNexis continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with LexisNexis and the results was the information was accurate. I directly called the Lexis Nexis telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from Lexis Nexis showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via LexisNexis. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the LexisNexis agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and LexisNexis has yet to verify. Thank you

Company response to consumer: Closed with explanation