BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: Perfection Collection
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company. 

XXXX never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims. 

Either company can not produce our original contract. 

Communication and lying are being reported. Below are other reports of this happening off the BBB. 

GOVERNMENT ACTION Gov Action Utah DOPL On XX/XX/XXXX the Utah Division of Occupational and Professional Licensing ( DOPL ) found XXXX, XXXX employing an unlicensed individual as an alarm company agent. Respondent was issued a fine of {$400.00} which has been paid. 

GOVERNMENT ACTION Pennsylvania Attorney General Settlement On XX/XX/XXXX, Attorney General of Pennsylvania entered into a Settlement Agreement with XXXX, XXXX. According to the settlement, agents from XXXX allegedly made the following misrepresentations in door to door solicitations : XXXX agents said they were affiliated with the consumers ' existing security companies. 
Agents further said that consumers ' existing security systems and services n GOVERNMENT ACTION State of Texas v. XXXX, XXXX. 
On XX/XX/XXXX, XXXX , XXXX. and XXXX XXXX XXXX , XXXX. entered into an Assurance of Voluntary Compliance ( AVC ) with State of Texas. The State of Texas alleged XXXX  employees engaged in door-to-door solicitations for home alarm system goods and services in Texas without being authorized to do so as required by the Occupations Code and some of the XXXX  employees engaged in door-to-door solicitation in Texas after

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Reporting company used your report improperly

Complaint:
I was just looking over my consumer report and found some addresses that appear to be incorrect. To make your process of deletion easier, here is a list of incorrect addresses that I am currently seeing listed : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX XXXX, MO XXXX I also noticed that my name appears to be misspelled on my consumer report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names : XXXX XXXX XXXX There should be only one name on my consumer report, which is, XXXX XXXX XXXX. 

Please remove inaccurate employers as well : 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 2022-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ] also shown on my ID for proof There should only be one address listed on my report. Ive enclosed documentation providing proof of current address to make deletion easier. 
Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled [ XXXX XXXX ] my name only has one correct spelling My photo ID is enclosed to show the correct spelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX B-Date of inquiry XX/XX/XXXX TRANS UNION-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry 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 2023-08-11
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transferred {$3800.00} to XXXX on XX/XX/XXXX using my personal JP Morgan Chase ( " the bank '' ) bank account online. 

Until now as of XX/XX/XXXX, the recipient still have not received the money. 

Here is the journal of my communication with the bank : on XX/XX/XXXX : contacted chase bank with it's secure message system stating that my recipient still has not receive my money and it's been XXXX  days since XX/XX/XXXX. with no responds. 

on XX/XX/XXXX : Contacted chase bank with it's secure message system stating that my recipient still has not receive my money and it's been XXXX  days since XX/XX/XXXX. with no responds. 

on XX/XX/XXXX : The bank responds by assign me a reference number XXXX and forwarded my case to Foreign Exchange Wire Investigation team and they will reach out to me in 2-3 business day. 

on XX/XX/XXXX : The bank responds by assign me a reference number XXXX and forwarded my case to Foreign Exchange Wire Investigation team and they will reach out to me in 2-3 business day. 

on XX/XX/XXXX : contacted chase bank with it's secure message system stating that there is no respond so far from anyone in the bank. 

on XX/XX/XXXX : Called Chase Personal BankingXXXX, I was shuffling between different department, got disconnected and ask me to return to personal banking again and still nobody respond my concern. 

on XX/XX/XXXX The bank responds through secure message systems stating that they are forwarding my case to Foreign Exchange Wire Investigation team and they will reach out to me in 2-3 business day. '' Again it is exactly the same message as previous one. 

As of today, XX/XX/XXXX, my recipient in XXXX still has not receive the money yet. 

I do understand that international wire transfer required more time that's why I even waited for XXXX days after initial transfer to contact the bank. But after contacting the bank for more than 3 weeks with no resolution is beyond frustrating. It is unbelievable that I received a bad customer service from a biggest bank in the United States. 

This is a failed wire transfer from the bank and should immediately recall and give back to me. 

Please help schedule a recall for this money to be refund back in my bank account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 XXXX XXXX ( previously XXXX acocunt ) is inaccurate! It has already been removed from XXXX and XXXX credit reports.

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 2019-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an accident and was in hospital for XXXX  .At some point I called XXXX XXXX   to make payment and after s battery of questions was told that my account was frozen because I was noted to be deceased. I have since had my account active and made current payments but the negative reports to Credit Bureaus should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified Consultants collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: AZ
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:
I am writing to address the fraudulent account and inquiries attached to my consumer report, which I have previously brought to your attention. The reinvestigation process has exceeded the 30-day timeframe, causing significant financial distress and hindering my ability to secure housing for my family. 

Enclosed, please find copies of the identity theft report I filed, along with the report outlining the fraudulent account and inquiries on my consumer report. These documents serve as conclusive evidence of the fraudulent nature of the account and inquiries, necessitating their immediate removal from my report. 

Fraudulent Account : Account Name : XXXX XXXX Account Number : XXXX Fraudulent Inquiries : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I urgently request your immediate action to remove the fraudulent account and inquiries within four business days. The presence of these inaccuracies has a detrimental impact on my financial reputation and obstructs my ability to secure suitable housing for my family. I expect a response from a real person, not an automated system such as e-oscar, as this matter requires personal attention and resolution.

Failure to address this matter promptly may result in legal action seeking compensation for each violation in accordance with the applicable regulations. Your cooperation in resolving this matter swiftly and rectifying the inaccuracies in my consumer report is crucial. 

Please acknowledge receipt of this letter and provide regular updates on the progress made to remove the fraudulent account and inquiries. I appreciate your immediate attention to this urgent matter. 

Sincerely, 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 2022-12-13
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:
Upon reviewing my consumer report, I noticed an account that should not be there. 

Consumer reporting agencies may only furnish a consumer report in accordance with the written instruction of the consumer to whom it relates. 

I have never given any of the consumer reporting agencies permission to furnish account XXXX XXXX - XXXX to my consumer report. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and RESPECT FOR THE CONSUMER 'S RIGHT TO PRIVACY. 

Please investigate and delete this account from my consumer report. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) 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 2023-04-18
Company: Experian Information Solutions Inc.
State: MD
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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, Capitol One has violated my rights. 

15 USC 1681 Section states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states consumer reporting can not furnish an account without my written instructions. 
15 USC 1666B a credit may not treat a payment on a credit card account under an open-end consumer plan as late for any person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The Credit Bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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

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 2018-11-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I made a payment of {$73000.00} to Citizens to pay off my loan via electronic transfer from my bank. I also made a {$50000.00} payment on the same day. The {$50000.00} payment was immediately credited to my account. After 8 days, they have still not credited the {$73000.00} payment to my loan. I have called multiple times over the past week and after hours on hold I've been hung up on multiple times. A customer service representative told me there is no department to handle these issues. Another told me that there is a department, but they don't have a phone number or email. One told me to call back in a few days, another told me that I should contact the institution where the money was sent from which I did. The sending bank confirmed that the electronic payment was sent. Citizensbank is understaffed to the point where they can not serve their customers or research issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: OH
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:
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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