BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: MI
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:
After looking over my credit report there were inquiries being reported on my credit report by Equifax. 
1.Equifax Mortgage Ser XX/XX/XXXX 2.Equifax Mortgage Ser XX/XX/XXXX 3. Equifax Mortgage Ser XX/XX/XXXX 4. Equifax Mortgage Ser XX/XX/XXXX 5. Equifax Mortgage Ser XX/XX/XXXX 6. XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Equifax is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Equifax is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Equifax Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am complaining about my inability to get in touch with anyone at Experian. Neither their automated system nor their website specifically addresses my issue, and when I talk to a person, I get transferred instantly to the automatic system. 

I had frozen my credit accounts because of various data breaches ( OPM, XXXX ), and needed to unfreeze them because I had applied for a new credit card. Not knowing how long it would take to process the credit card application, I made the stop date XX/XX/XXXX5. Once my credit freeze was unfrozen, the new credit card was issued. Not wanting to leave my credit records open until XX/XX/XXXX, I tried to contact Experian to refreeze my account but could not reach anyone. I ended up putting a " lock '' on my credit for $ XXXX to prevent any credit searches. 

I want to refreeze my account on XX/XX/XXXX, and cancel my credit lock on that date, but am unable to reach a person to accomplish this. XXXX was able to take care of the issue with one phone call. Can you help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. 1 ) XX/XX/XXXX/ no amount listed only has XXXX XXXX XXXX XXXX. beside their name. ( XX/XX/XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XX/XX/XXXX/ no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XX/XX/XXXX/ No amount listed only XXXX XXXX XXXX. listed. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquiry/ No amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my XXXX XXXX account : Inquiry details XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX XXXX. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX Inquiry from XX/XX/XXXX - Mail Order Firms This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - National Credit Card Cos. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. Account # : XXXX Account Type : Open Account Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$81.00} No. of Months ( terms ) : XXXX High Credit : {$81.00} Credit Limit : {$0.00} Past Due : {$81.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last 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 non-monetary relief
Consumer complaint received 2022-04-03
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  account number XXXX Has violated my rights. XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$10000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : 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 non-monetary relief
Consumer complaint received 2019-06-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking and a savings account at Citibank on XX/XX/XXXX. I decided to open these accounts to take advantage of ads I was getting via mail. The offer stated I'd be earning {$400.00} or {$500.00} after opening the accounts and completing the required activities which included depositing {$15000.00} or more in new to Citibank funds. Upon completion of all required activities, I received a letter from Citibank informing me of the future closure of both of my accounts. They simply state Citibank don't want to do business with me, they declined to give me further details. I'm preventing myself from earning some interest on the money I put on these accounts only for Citibank to decide unilaterally to close my accounts, as far as I'm concerned I comply thoroughly with the requirements fr the bonus and it's not serious of an institution as Citibank to take these actions and treat clients this way.

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 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX  XXXX XXXX OH  XXXX. 
My DOB:XXXX my SS:XXXX XXXX XXXX XXXX is my only address please remove any other addresses from my credit report they are not accurate. I have a Late payment that is appearing on my account that is not accurate. I have never been late on any of my accounts. Not sure but I have also contacted XXXX XXXX to see about the issue as well My current and only employer is XXXX XXXX XXXX XXXX XXXX please remove any other employer.

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 2021-02-25
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
well when i tried to open up a claim for the fraudulant activities on y account there is no number to where you can tak to a live representive. there is only email communications which makes it very fustrating cause for one every corresponding email from them ends up being a new person and i just got the run around asking for the same information in every single email i literally end up with over a hundred emails back and forth with this company and in the end the gave me a partial credit but it was to the account that i dont have access to and that they refused to give me access to even though they agreed to a partial credit to that account tney claimed that they could not give me access to that account for security reasons so i am still going back and forth with this company about why they gave me a credit but to the account they know i dont have access to it makes no sense at all and this has been going on for over a mouth now its almost been two months now i have all the emails that i can included but it has account numbers and everything in them nut if i need to include them i can i just feel if i could speak to a live agents this whole process coud of gone a lot quicker and smoother and honestly my problem still isnt solved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went in to have some tests run at XXXX XXXX and they were given a list of tests to run by my surgeon for a XXXX clearance. They ran all of them but one test was the wrong type of test that I had already paid for. So they told me to come back in the next day at no charge to me since it was their mistake and get the correct test. Then XXXX XXXX started sending me bills. I called XXXX XXXX and they assured me I did not owe for this as it was THEIR mistake and they would notify XXXX XXXX as well. Now the account is in collections and damaging my credit when I NEVER owed it to begin with! This needs to be removed immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Valor Intelligent Processing, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attempt to collect a debt previously discharged by original creditor Faiklure to respond to request for debt validation XX/XX/2021. 
45 days have passed as of XX/XX/2021 2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section XXXX disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required XXXX driver license and SS card ) + a written contract/request identifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine. 

XXXX 1. XXXX Account Number : PXXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit 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 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX  account number XXXX Has violated my rights. XXXX TransUnion Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$10000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : 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 non-monetary relief
Consumer complaint received 2020-10-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I came in to the branch on Tuesday and opened an account. The process was fairly fast and easy and everyone was very nice. I even met the branch manager and was told that I can setup my direct deposit and any automatic transfers since the account was fully opened and I had nothing to worry about. I went home and made a transfer to my new account via XXXX  and everything was fine. I go to check my account via the mobile app today which is now Thursday and I got a message saying it was restricted. I was so confused as to why since I didn't do anything for that to happen. I called the bank and the manager told me he doesn't know why and to call customer service as it's pending closure. I started to panic since I've already set everything up to this account since I was told everything was opened and fine to setup permanently. Custer service told me that chase decided to close it with no explanation  and it can't be reversed. That's so unprofessional and when I went on XXXX I saw that this has happened to so many other people. Why open the account just to close it days later once people set up their lives revolving an account they were promised was good to go? This is horrifying and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: TRANSWORLD SYSTEMS INC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I stated to TRANSWORLD then that this was Fraud induced/Identification fraud by my Ex-wife or the other listed Third-Party XXXX XXXX? whom I have no knowledge of agreement beyond insurance. ( 3 ) I clearly stated by phone to them ( XXXX ) then that my purpose was to not claim accountability for XXXX XXXX apts. but to only get XXXX XXXX removed from my credit report However in-spite of their knowledge of third party/ possible fraud they have chosen to attach me because I paid a related bill in order to clear my credit. As of XX/XX/XXXX letter they have sought include me in a debt that occurred on 2015, I have contacted original party XXXX management several years ago and informed them of the fraud and circumstances involving on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX XXXX on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my TransUnion credit file without my authorization, I did not get any help from them.

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 2017-10-25
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
From XXXX through XXXX I used Federal Student Loans while I attended XXXX XXXX University. 

From XXXX - XXXX my wages were garnished by the collection agency managing the loan debt. I have attached the payroll records. The total payment made through the garnishment was {$20000.00} dollars between the above referenced timeframe. 

Since then I have gone through multiple loan rehab programs. 

The issue is that there is never any record of what I have already paid into the loan via the garnishment and the rehab programs. 

These loans are constantly reported on my credit report and I have attempted to contact the XXXX Department of Education and they still have no record of me making any payments toward the loan. 

This has been a major burden for me and my family. 

The loans are now with Navient.

Company response to consumer: Closed with explanation