BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I spoke with the collector agency and they said that they have already reported to the credit burue about this issue in my credit report and they are the ones that are not removing this from my credit

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 2021-07-20
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: Information belongs to someone else

Complaint:
Transunion reports XXXX/XXXX  accounts XXXX and account number XXXX as the only negatives reporting on my good credit. 
Both accounts report seriously derogatory information that is harming me in the approximation of a 50 XXXX point loss. This is the unconscionable travesty put forth by both the repository and the original creditor. The balance history at the time of the lates could only make sense to a XXXX XXXX. This account has been disputed many times and comes back verified in a reckless uncaring automated fashion. Even though they rely on the FCRA AS THE SOURCE REQUIRING ACCURACY THIS ACCOUNTS ( S ) HAVE BEEN INACCURATE ALWAYS.

THIS NEGATIVE IS THE SAME ACCOUNT DUPLICATED REPORTED WITH TWO DIFFERENT NUMBERS BUT SAME ACCOUNT OPENING DATE. THE NEGATIVE PAYMENT HISTORIES ARE CLOSE BUT DO NOT MATCH. THEY, THE REPOSITORY HAVE DOUBLED THE DAMAGE ON AN ALREADY ERRONEOUS ACCOUNT BY REPORTING THE SAME ACCOUNT TWICE.. A DUPLICATE WITH CHANGED ACCOUNT NUMBERS AND LATE PAYMENT HISTORY THAT ARE SIMILAR BUT NOT THE SAME. 
YESTERDAY, THIS ACCOUNT WAS DELETED BY XXXX  AND MY ACCOUNT SHOT UP 40 XXXX  POINTS. XXXX  DELETED THEIRS ABOUT A YEAR AGO. THIS ACCOUNTS, IN JUSTICE, SHOULD BE REMOVED TODAY!

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 2022-11-05
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2022 - I sent a communication through the XXXX XXXX, which was received by your company on XX/XX/XXXX indicating the incorrect information being reported by your company. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

A charge-off is a canceled debt - and according to the IRS Publication XXXX a write-off is Gross income to me, and there's no way for you to allow income on my credit report. 

I was denied as result a {$31000.00} Auto extension of credit for my household use, and this has resulted in great harm to my family.

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 2021-07-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX ( Saturday XXXX I was alerted via an XXXX XXXX that someone attempted to open a checking account with JP Morgan Chase. On XXXX, I was able to communicate with JP Morgan and discovered that on XXXX a checking account was successfully opened. The account has since been closed on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: MO
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:
TC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX XXXX Phone : XXXX Email : XXXX Personal Statement XXXX  XXXX XX/XX/XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Personal Information Addresses : XXXX XXXX  XXXX XXXX XXXX Information : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 


XXXX XXXX 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 2020-07-10
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 fraud alerts or security freezes

Complaint:
Like most people, when the massive XXXX breach happened, I went and froze my credit reports with all three major bureaus. Around 8 months ago I wanted to open a new line of credit and went to unfreeze them and had no trouble doing so with XXXX and XXXX, but Experian refused to honor my request, insisting that some bit of information I had submitted through their form was incorrect. They demanded that I mail in copies of my driver 's license, utility bills, Social Security cards and various other things in order to lift the freeze. I did this and absolutely nothing happened. I tried submitting the forms over and over and got the same result. I tried using their automated telephone system and it gave me the same generic rejection that their site did. 

Today, I found an alternative phone number which Experian does not make public anywhere and tried it. I was connected with a gentleman who was absolutely stoned out of his mind and could not type any of the numbers he asked me to repeat to him 7-8 times. When I asked if I could speak to someone above him, he said " not really '' and just sat in silence, giggling like an idiot. 

It is fairly clear that Experian has invested as little time and money as they possibly could in implementing their freeze system and it is completely and utterly failing to serve its purpose. If I had known that it would be completely impossible to lift the freeze then I never would have placed 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 2022-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Good afternoon, I applied for a Chase Freedom XXXX XXXX ( XX/XX/2022 ) and received the card within a week. Upon receipt of the card, and unbeknownst to me, the credit limit was reduced to {$500.00}. When I requested a credit limit increase, they denied it and would not tell me why when I reached out to them. I was transferred to numerous people and they all could not help in any way. I ended up closing the account without ever using the card. The problem here is they ran my credit and issued the card with a credit limit that was not communicated to me or authorized by me. Had I known the the credit limit was going to be {$500.00}, I would not have applied or moved forward with the card. They withheld this information during the application process and signed me up for a card with a credit limit that was not authorized or agreed to by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Credit Solutions
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Called number listed to my spouse. When I answered Hello the rep said Ms. " XXXX  ''? I said again Hello? Rep continued to state this is XXXX from Credit Solutions calling as a follow-up to letter sent in XXXX ( didn't catch exact date ) regarding an outstanding balance. XXXX then asked to verify if speaking w/correct party - did not confirm if I was in fact Ms. " XXXX  '' or not before disclosing letter sent on an outstanding balance.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-31
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to get this stuff validated since XX/XX/XXXX and i keep getting the run around or stall tactics. It is really frustrating and i can even sleep properly at night because of this stress. They are reporting this information on my credit report and they have not even validated it properly. They ignored me so much that I had to make a XXXX  complaint against this collection company after no response for 90 days. After that they finally replied back to me on XX/XX/XXXX with a response saying they notified me of the alleged debt. But it still didn't validate any of the accounts. I had to ask again for validation, at this point it was 120 days. I asked for proper validation on XX/XX/XXXX and then on XX/XX/XXXX but they still didn't send me my validation requests at all only a bill. How is that proper validation? Finally I received some information which i will attach here on XX/XX/XXXX that contained personal, sensitive information about specific medical care. It is really crazy that 21 pages of sensitive information got into the hands of a 3rd party debt collector who i never signed any release of private information to. That has to be some sort of HIPPA violation right?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: PA
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:
According to the Fair Credit Reporting account, 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 an account without my written instructions. 

15 U.S.C. 1666b. A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Netspend Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Netspend sent a debit card to my address on XX/XX/2021. They have the correct last name and address, but there is no one here with the first name shown on the card, and we didn't request a card. They, or possibly someone else, also called our home phone on or about XX/XX/XXXX and asked to speak to the person named on the card.

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CT 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 2022-10-08
Company: Experian Information Solutions 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 information incorrect

Complaint:
Incorrect information on my account. Account claims I had 4 late payments on a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX of XXXX. And 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 2022-11-04
Company: EQUIFAX, INC.
State: AL
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 Credt Reporting act XXXX TXXXXXXXX Accounts XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX # # # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Account 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 Sechign 604 A Section 2 It also stales & consumer reporting agency can not furnish a acodont without my writhen instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Information belongs to someone else

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. Please delete the accounts : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$670.00}, Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/XXXX Reference number : XXXX, Bankruptcy XXXX  XXXXdismissed Filed on XXXX XXXX, XXXX Reference number : 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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reviewed my report XX/XX/XXXX noticed there are several items on my report that are being illegally reported. There are inaccuracies and inconsistencies in the reporting status listed on the accounts shown. Based on FCRA 611 ( 5 ) ( ii ) I sent in a dispute showing the inaccurate information and requested it to be deleted. I received resulted from XXXX that showed to accounts " updated '' Once I looked at the updated copy of my report I noticed that nothing about the accounts in question were in fact updated. However, I notice a late payment that I asked to be reversed had changed months originally it was reporting late in XX/XX/XXXX it now shows XX/XX/XXXX I spoke with a CRS at XXXX and she stated the XXXX XXXX verified there were No late payments XX/XX/XXXX based on the FCRA 611 ( a ) ( 1 ) ( a ) I sent in a reinvestigation letter and on XX/XX/XXXX I received results saying the account 'updated '' after reviewing the updated credit report there were no changes. 

This is a complete violation of the Fair Credit Reporting Action FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 611 ( 5 ) ( ii ) and I would like this information removed from my credit report ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: MI
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:
There are unverified information on my Consumer Report and my report should be 100 % accurate. I am aware that the CRAs need my permission and written approval to release my personal/private info to third parties. These entities did not disclose to me that I could have " OPT OUT '' of having these accounts being place onto my Consumer Report did they disclosure their company policies to me. I am very confusion as to how are the CRAs able to place these fradulent acts on my Consumer Report? Congress has passed 15 USC 1681a Definitions ; rules of constructions ( 2 ) EXCLUSIONS - Except as provided in pargraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681 s-3 of this title, any - ( i ) reportcontaining info soley as to transactions and experiences between the consumer and the person making the report ; For example - that means no collections, charge offs, late payment, medical bills Judgments and Bankruptiecs etc. Aren't these transactions and experiences? Yes they are! Using my personal/private information is ID THEFT pursuant to 18 USC 1028A which is a Felody and carries a prison sentence of 2 years. I have a Right to Privacy I Demand these fradulent illegal account be removed from my Consumer Report and my Consumer Report score be restored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital One Credit Cards Capital One practices credit discrimination against women. 

I had a Capital One credit card for over ten years and could never get a credit line more than {$700.00} even though my credit score is over 700. I paid this card off. 

My XXXX has a separate Capital One Credit Card. I called to get the interest rate reduced as they will only reduce interest for 7 months at a time then you have to request another interest rate reduction. His personal card interest was reduced from 21.99 % to 17.9 %. A week later without asking, this Separate card line of credit gets automatically increased by {$1300.00} We have a Joint Capital One Credit Card, I asked for an interest rate reduction on this card that I use and they would only reduce the interest from 24.65 % to 20.65 % for 7 months. I asked why is that both credit cards can't be at the same 17.9 % and their answer was it's based on the credit score when account was originally and that they never pull new credit scores to give you a better interest rate. NOTE : This card was not offered a credit line increase. 


I think Capital One 's records of credit offered to women need to be reviewed for discrepancies in credit offered to men. This would be to show the difference in Line Of Credit and interest rates offered to both.

Company response to consumer: Closed with explanation