BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
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:
There is a bankruptcy on my credit reports. The bankruptcy is stopping me from being able to get credit. I call the court they said they don't report bankruptcy to credit bureaus. I never follow through with bankruptcy. on my credit it shows that court house is reporting the bankruptcy. The credit bureaus says they get info from third party company. This bankruptcy should not be on 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 2023-05-23
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Financial Assistance Inc
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a letter from Financial Assistance , Inc. that informed me that they were attempting to collect a debt in the amount of {$15000.00}. 
On XX/XX/XXXX, I called Financial Assistance , Inc. and informed them that I was questioning the validity of this debt and that I requested verification. Specifically, I was attempting to identify the date of last payment on the account, which my records show to be XX/XX/XXXX, and, thus, the statute of limitations would've expired in the state of Oregon. 
To date, I have received no verification with this information. 
On XX/XX/XXXX, I received a summons to " appear '' on this matter. 
Financial Assistance , Inc. has failed to provide me with the appropriate information needed to validate the debt. 
Additionally, in both my call and a call with an authorized user on the account in question, representatives from the company harassed, belittled, and mocked us- and, in general, were emotional abusive which is a clear violation of the Fair Debt Collections Practices Act.

To conclude, we are filing this complaint against Financial Assistance , Inc. for failing to provide the requested verification of debt and for the abusive behavior that was received from company representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018, Chase decided to close out my credit cards. I had to called customer service to inquire on why this has happened and the response I got was some account I was associated with was closed, but they do not know who or what. Furthermore I got a letter in the mail saying an affiliate without any specification, is ending their banking relationship with me and therefore this warrants the closure of both my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX  reported fraudulent information on my credit filed. The amount is {$940.00} I do not have a contract with this company and never have. The account was deleted XX/XX/2020 and has been reinserted without my knowledge or verification of debt. XXXX XXXX  has broken the FCRA law by reinserting fraudulent debt on my credit file.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX  XXXX is reporting multiple lates on a current account with the credit limit of {$500.00}. They have reported to the credit bureaus late payments in XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and has not supplied any proof to me. They is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.

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 2018-11-07
Company: EQUIFAX, INC.
State: NV
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:
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The Equifax reporting agency & My Equifax agency is reporting inaccurate score information and inaccurate account information. I went from an XXXX score to a XXXX score. For the passed 6 month I have been trying to work with Equifax in fixing my credit score. They are reporting that I only have 1 credit account with the Utilization of 35 %. Three months ago they were reporting Credit Utilization 83 % and 14 credit account. This company need to be investigated for inaccurate credit reporting. InXX/XX/2019 they were reporting that my XXXX XXXX XXXX account ending XXXX was {$16000.00} with credit utilization of 842 %. When my credit card only has a limit of {$2000.00}. I am trying to get a mortgage for a new home but this hurting my credit score. I would for Equifax to access each credit account in my credit report and score me properly and fairly. Please see attachment of their false reporting numbers and accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account 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 explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, 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:
XXXX- -My name is XXXX XXXX , the last four of my SS # is XXXX. My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND CALL ME ONCE THAT IS DONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving mail from a debt collection organization call resurgent capital services requesting an amount of {$120.00} on behalf of original creditor indicated as XXXX and Company and current creditor is listed as LVNV funding account listed last digits XXXX. I have never had an account with XXXX under the number listed. I also call this organization at XXXX XXXX And was informed that this debt is from 2008. Although This debt is invalid an account from 2008 is past the statue of limitation. I do not want to be contacted by this organization again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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:
XXXX- -My name is XXXX XXXX XXXX the last four of my SS # is XXXX. My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND CALL ME ONCE THAT IS DONE!

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 2020-07-15
Company: JPMORGAN CHASE & CO.
State: TX
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:
I XXXX in XXXX TX. applied for an Amazon Chase credit card and the card was denied on basis of Having a derogatory relation ship with the bank CHASE, and not having investments on the bank. my credit score is XXXX. I had a call with a representative and was told that i had a card charged more than 12 years ago. It had happened back during the 2009 rescission where I hat to feel for bankruptcy. I feel I was discriminated for there are some other customers with worst credit than me and do not have investment whit CHASE and the are approved. On top of this this Bank did several credit inquiries affecting my credit report score. The representative just hung the call with no further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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: Reporting company used your report improperly

Complaint:
I have mailed each credit bureau ( XXXX, TransUnion, and XXXX ) as well as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX regarding inaccurate information reporting on my credit report. I requested validation of debt on XX/XX/2023 and XXXX XXXX XXXX did not validate the debt by providing the requested documentation, a XXXX letter was sent to the company for failure to validate on XX/XX/2023 and I received a response that they will not look into this any further. In addition to sending the company 's letters, the credit bureau stated it was accurate information but did not provide the method by which the information was obtained when it was requested on XX/XX/2023. I received a letter only from TransUnion stating that took proper measures but never stated which methods as requested in the letter. All three credit bureaus are reporting different high balances on this account. As you are aware, there can only be one high balance on an account. This account has not been properly verified.

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 2017-11-06
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX not standing behind their Warrenty and discover card want to take their side I have all paperwork where Work performed and companies product inspected which their part failed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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: Was not notified of investigation status or results

Complaint:
A XXXX XXXX XXXX I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2022-10-05
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Account # XXXX. You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy ofmy credit report when the above deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
First off, my wife is currently surviving stage XXXX XXXX XXXX since XXXX. Treatments of intense XXXX and XXXX have caused some XXXX  issues that we are, my kids and I, still learning to cope with. 
The above does play into the events of XXXX, XXXX. Being financially strapped from working as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX  to make ends meet we lost everything. 
My wife, trying to help, responded to an ad that would pay x amount of dollars to wrap your personal vehicle for advertising XXXX XXXX. Something she could do being XXXX. She received a {$1200.00} check from XXXX XXXX XXXX  out of XXXX, Ohio. XXXX thought maybe the advertising company 's lawyer maybe? This was supposed to go for getting her car wrapped and as first payment. She deposited the check, I believe it was XXXX & XXXX  XXXX  on the check, but she deposited it into our Bank of America account. 
My wife called for several days in a row and the customer service reps continued saying " it's still processing '', etc. My wife even alerted then that she was starting to not feel right about the check. 
I was approached by my wife and she explained the situation and the first thing I thought was " scam ''. I called Bank of America but instead of helping me, I was told that I was lucky they weren't pressing charges for counterfeit check. Now their mind was made up. I was not allowed to explain. There were no offers to assist me with what had occurred and just really, really, rude and short answers. 
After reporting that I tried to fraudulently cash a check, I have no way to open a bank account. I am building my credit and have my debt down below {$3300.00}, and trying to recover from almost losing my wife and raising teenage kids. I'll never get a mortgage without a bank account and for Bank of America to have the power to stand on my head and prevent me from moving forward in life for my family, unacceptable. It's been almost a year and the great bank I just left sadly denied me an account again. In 8 months my credit score has gone up almost 100 points. I'm putting forth the effort, and I know my wife made a mistake and for them to let us go I understand but why are they preventing me from moving forward with my life. I feel trapped and stuck with no help in sight. Just want a home, we already lost everything just let me eat it back. Not asking for a handout just want to be able to open a bank account.

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 2022-12-07
Company: National Credit Systems,Inc.
State: TN
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late f purpose.

Company response to consumer: Closed with explanation