BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian is reporting child support that was mistaken showing up on my report in XXXX when DSHS made a mistake with wrong XXXX. 
This account needs to be removed completely from my credit report as requested several times. 
XXXX XXXX XXXX Account Number - Balance XX/XX/XXXX Date Opened Paid, Closed/Never late. 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 2020-05-03
Company: U.S. BANCORP
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX account was linked to my US Bank account and was overdrawn .. also my credit card was used while for an unauthorized transaction. Identity was stolen. Photo ID, birth certificate, and social security card from my break in at my house. And documents where stolen from my vehicle that was towed after being arrested. Also XXXX account was linked to bank account where unauthorized transactions where made. Numerous XXXX phones .where stolen and account was hacked with invalid software. XXXX phone XXXX account had been hacked and stolen. XXXX account been hacked

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 2022-08-12
Company: EQUIFAX, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX  has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with a XXXX XXXX representative XX/XX/2020 asking about this deliquent account with them. I provided the account number on the collection letter and the respresentativr stated that was not a valid account number and have no record of an account with them being in collections or past due. I asked the XXXX  representative if they were affiliated with the collection agency Sequium Asset Solutions , LLC. Which representative said no and it sounds like a scam. After speaking with XXXX, I checked the XXXX  XXXX XXXX  and found that this collection agency had over 271 complaints against them. Most of them were for the month of XX/XX/2020. The complaints were all the same ; complaints about debt being collected that they did not own and being reported on their credit report. None of the consumers accounts being collected on were legitimate accounts and how this company got their personal information to even report it is crazy. 

I want this issue resolved before I get a reporting on my credit report from this collection agency. 

XXXX confirmed that this was a fake account number and not associated with me or their company. 

The amount of {$420.00} is not a bill from XXXX and was advice that this was a scam. Judging by the complaints I see online I definitely believe that. 

The account number from XXXX that this company is trying to collect on XXXX is not a real account number. Please have my personal information from your company and do not send me any further correspondence regarding this fake account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase Bank has their Chase Sapphire Reserve cars that gives 3 % back on travel and dining. 

I went to a parking lot and paid {$9.00}. It showed up as bills and utilities ( doesnt give 3 % ) and then a few days later I went to a taqueria for lunch and paid {$12.00}. It showed up as automotive ( which doesnt give 3 % ) Chase Bank is purposeful in trying to get out of paying the promised cash back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
Company: Capio Partners, LLC
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: Old information reappears or never goes away

Complaint:
XX/XX/2019 {$67.00} Assest Care LLC XX/XX/2019 {$120.00} Assest Care LLC XX/XX/2019 {$170.00} Assest Care LLC XX/XX/2019 {$77.00} Capio Partners XX/XX/2019 {$470.00} Capio Partners XX/XX/2019 {$110.00} Capio Partners they these charges on my on my credit reportold debt tried to call Assesst Care LLC and Capio Partners they will not give me any information on these debtsThis debt fell off and they made multiple robo calls hanging up on me prior to entering it after multiple calls to me hanging up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived in XXXX XXXX XXXX XXXX XXXX XXXX, wa XXXX from XX/XX/XXXX to XX/XX/XXXX. at the time that I had to move out I owe the landlord absolutely nothing I asked him to help me move my furniture into my storage to the fact that I was a single mom and couldn't lift them myself and he was the only one that I knew with the truck he refused assistance then when I moved out he dumped the furniture and charged me {$2400.00} for dumping fees and 10 hours of cleaning fees as a self-employed business owner of a house cleaning business I know for a fact that I left that apartment which was under 500 square feet one bedroom intact with normal wear and tear and very clean stove fridge and oven he has outrageously charged me as well as other tenants that he has forced to move out I was asked to leave and didn't want to risk having an eviction on my record so I went ahead and left then he charged me {$2400.00} in XXXX which wasn't even put on my credit until XXXX and now I'm being charged {$3200.00} which is just like an eviction in the eyes of other apartments owners so it is XXXX me in the end being a single mom with a child and XXXX XXXX XXXX student I am I unable to acquire stable housing and can not be approved for an apartment I've been homeless since the day I was asked to leave and he refused to renew my lease after four and a half years of residency stability and safety for my child from ages XXXX XXXX old to XXXX and a XXXX  years old she knew nothing else as home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see I 'm amazed that this behavior is tolerated and shunted aside. Someone needs to seriously look into this. Please see enclosed documents that were provided initially ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT XXXX XXXX XXXX XXXX US XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT XXXX XXXX XXXX DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT 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 COLLECTIONS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$63.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$170.00} XXXX CITY OF XXXX XXXX XXXX/XXXX/XXXX {$200.00} XXXX XXXX XXXX XXXX/XXXX/XXXX {$100.00}

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 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted Transunion, XXXX, and XXXX 3 times requesting information on all accounts. I requested to see a copy of an original contract that I allegedly signed for all accounts. All 3 times all 3 credit bureaus have refused to produce documents showing my sinature on accounts that do not belong to me. The accounts are listed below XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/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 explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, someone hacked my online banking account of bank of america by first hacking my XXXX  account. Then the hacker changed the email address of one of my recipients to his own email address in XXXX transfer 's address book. The hacker used XXXX transfer to stole {$2800.00} out of my checking account. On XX/XX/2019, I found the issue and filed a fraud claim with bank of america. But after 10 days investigation, bank of america refused to honor the claim just because they think my account was accessed by consistent same device. After search my gmail activity, I found the hacker may even hack my computer and logged onto my boa 's account by using three different IPs. 
I tried to dispute with boa but boa claimed it may need another 45 days to do investigation again. As a customer, I feel very unsafe about my money in bank of america. And I am very disappointed with boa 's customer service. Many times, I was redirected between different boa 's departments without knowing the right person I can talk to. I feel boa does not care customer 's security and offer XXXX to customer without much care. 
When I search help online, I find I am not the only person suffering boa 's security service. XXXX XXXX   XXXX Many other persons are victims of unsafe XXXX  transfer service provided by 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 2021-04-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
They suddenly charged us {$420.00} for having a balance due on the card that we have been paying regularly. We also pay more than the minimum due.

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 2019-09-22
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Winn Law group on the first hand will never answer their phone and will keep you on hold until you basically give up. I even went to their office location and was threatened that they would call the police. This lawyer has some sort of serious ax to grind with me personally and they are collecting on a debt that they already successfully garnished my wages and the full amount was collected until they came up with an amount and even placed a lien on my home. They go to court without even notifying me to defend myself and pray upon me as if I am some sort of evil person. This XXXX XXXX XXXX refuses to even call me or make any contact. How is this type of evil allowed to collect from a debt collector that will not take my calls and even let me know anything? 

I do not know what the original debt is can someone help me??? 

Also they list they are the lawyer for XXXX XXXX and XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: EQUIFAX, 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:
fraudulent account XXXX XXXX XXXX XXXX date opened : XX/XX/2011 Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B - A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
l will send proof showing EQUIFAX is the only credit bureau with this error and they are Also reporting A 9 year old out dated account that belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
My XXXX XXXX and experian report are showing an XXXX XXXX account number XXXX shows a 30 day late payment from XX/XX/2017. This is a mistake as I have documentation from XXXX XXXX showing this late payment has been corrected and REMOVED. 
I am attaching my XXXX and experian report and letter from 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 2020-02-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never recieved anything in the mail stating I had a debt with this company, i received my first call from them in XX/XX/2019 stating i owed a debt and was late and they would soon start reporting on my credit. I asked the man to please send a letter validating the debt since I had no knowledge of the debt he was referring to, he proceeded to tell me they had already sent it and it was sent back to them, which is impossible since I never sent anything back to them. So he said they would send it again. By XX/XX/2019 I still had not received anything so XX/XX/XXXX I called and requested again for them to validate my debt and the man said it was to late so I asked to speak to a supervisor and the supervisor then told me I could dispute the debt and that they will send me validation in the mail by 30 days, which they did not. So XX/XX/XXXX I called and was told that they were still investigating and then I was told he closed out the investigation while we were speaking and that I would receive documentation validating my debt. To this day I have not received anything in the mail from them yet they are still negatively reporting to the credit bureaus on a debt they cant seem to validate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Discover. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: TN
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 no knowledge of doing business with any of these creditors below. Please remove it from my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On or about XX/XX/2019 I went to Key Bank in XXXX Ohio to open a checking account per their mailing. The offer states to get {$400.00} open a checking account with a one single deposit of {$500.00} or more within 60 days of opening account. When I got to the bank they informed me that I have to make {$500.00} deposit every month. Nowhere does it says you have to deposit {$500.00} every month. This seems to be a bait-and-switch tactic on the part of the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: BB&T CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
BB & T refuses to classify this account correctly. It is not a sep. It was disallowed by the IRS and {$26000.00} in taxes, interest and penalties have been 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 2017-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have a previous address reporting on my credit report that I was never associated with that I will like to be removed from my credit file, That address is where someone committed fruad in my name and will like that address to be removed 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 explanation