BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: WI
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:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2019 I mailed a debt verification letter to XXXX and TransUnion asking them to please send me proof of how did they verify this debt that was put on my credit profile from from XXXX XXXX. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. 

I also sent a letter to XXXX XXXX XXXX asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.

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 2022-11-11
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I have been a victim of identity theft. I noticed in XX/XX/2022 that there were unauthorized charges to my bank account. The suspect also opened up a checking account and added 3 debit cards to my checking account. I reported fraud with XXXX XXXX and closed all my accounts and reopened new ones. I then contacted the 3 credit bureaus to add a fraud alert. On XX/XX/2022, I noticed 2 derogatory accounts from XXXX XXXX XXXX in the amount of {$6200.00} reported by Resurgent Receivables LL and XXXX XXXX in the amount of {$78.00} reported by XXXX XXXX I would like to dispute and request that you remove these from my credit report as I am a victim of identity theft and those accounts do not belong to me. Please let me know if you need anything else from me or have any questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a auto loan from Santander in 2016. I will Admit the payments for about two months behind. I caught them up through a wire transaction. The next month recieved a bill for XXXX dollars again and my payments were only XXXX. They then processed to have my car repoed gave me a certain time to come up with payoff repoed my car almost 3 weeks early. Ruined my credit. OverchArged fees, never recorded payments. Sold my car at Auction for a little over 3 k and are now suing me for supposed XXXX k. I have no car my credit is ruined and god bless me these crooks have lawsuits from here to next Sunday I do not understand how they are still in business. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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: Account information incorrect

Complaint:
XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.

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 2020-01-27
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I have been requesting validation and verification from Lexis Nexis in regards to Bankruptcy # XXXX that is being reported to all three major credit bureaus such as XXXX XXXX XXXX  as well as other agencies. I have been trying to obtain this information from Lexis Nexis for several years now and they keep coming back telling me the information has been verified but they are refusing to inform me of the sources they used to verify such information. On XX/XX/XXXX, I requested that Lexis Nexis send me copies of the documents that they have on file that was used to verify the accuracy of said bankruptcy # XXXX. They responded by sending me a copy of " lexis Nexis credit report '' saying verified. I spoke with someone in XXXX of XXXX and I was advised that the bankruptcy was verified through the bankruptcy court. On XX/XX/XXXX, I reached out to the XXXX  system to find out their procedures of validating bankruptcies to credit bureaus and was advised they don't do that. On XX/XX/XXXX, I received a letter from the US bankruptcy court stating they do not report any information to the credit reporting agencies. On XX/XX/XXXX, I reached out to Lexis Nexis yet again in writing concerned about the validity and accuracy of their reporting such information on my credit report. Lexis Nexis responds in writing telling me they submitted my dispute to the XXXX credit bureaus. That is not what I requested from them. Lexis Nexis is in violation of section 609 and 611 due  to not conducting a proper investigation and not correcting inaccurate information. On XX/XX/XXXX I called Lexis Nexis to check on the status of my request and I was told my request was submitted incorrectly and I would be hearing back from them soon. Later that day, XXXX to be exact, Supervisor XXXX Id # XXXX called me and told me that this bankruptcy was verified by the court. She could not provide me any other information. I explained to her that this company is violating the law and because of this they have no right to report such information on me. I also advised if they couldn't provide me with the requested information then they need to remove this reporting within XXXX hours. XXXX was supposed to follow up with me on XX/XX/XXXX, and I have not heard back from her. Lexis Nexis has proven their inability to furnish legal verification but yet still continues to tarnish my character. I demand that they removed this negatived listing from ALL CREDIT REPORTING AGENCIES IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I disputed a Charge with barclays and they are not siding with me because they don't understand how to read the merchants policy. They told me they are not attorneys. So because they are misunderstanding the policy they will not side with my dispute. The dispute involves a purchase of an airline ticket. I bought the ticket and asked for the merchant to cancel within 3 hours of the purchase. Their contract of carriage allows all tickets to be canceled within 24 hours unless the trip is within 7 days of travel. So I purchased the ticket months in advance and I sent a cancel email within a few hours. The department of Trasnportation that regulates airlines put this law into place to protect consumers. Barclays has failed to be able to comprehend the law and contract of carriage. I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: MD
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$16000.00} 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 non-monetary relief
Consumer complaint received 2022-03-15
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: 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Once again I was incorrectly charged a {$15.00} fee. This has been an ongoing issues which I have been promised on multiple occasions would be corrected so it does not keep happening. It is shocking to me that you haven't flagged my account with a fee waiver to avoid this from happening on a monthly basis. This has been the single worst customer experience with a bank I have ever experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
I got a copy of my credit report and I have inquires that I didnt not request on my report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX  XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX  XXXX ( XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXXI ( Original Creditor XXXX XXXX XXXX XXXX  ) Account number : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-04-22
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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 have a collection account, and they keep taking it off and putting back on my credit affecting my score in the middle of a pandemic demanding payment and saying I didnt communicate with them and refuse to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: UMB FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to open a choice checking account with UMB, who asked me for personal information regarding myself and provided me with disclosures. However, during the identification questions step, they generated identity questions of two individuals of whom I don't even know, along with one valid question about my prior address. The application was promptly declined thereafter and no specific reason was provided. 

Given that UMB utilized a third-party database and credit agency information, specific reasons as to why this application was declined needs to be disclosed to me per applicable laws and regulations. The company did not provide such information or how issues, if any, can be resolved to open this checking account. I was kept dark during this entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: NJ
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 received the response however you will not remove the XXXX collections account or and XXXX financial the addresses associated with the accounts. I have provided you with the police report that my husband also provided you. His credit file has been updated with accounts deleted. My file still showing the collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/20 I ordered a " bill pay '' from the bank of america website. This order shows a completion date of XX/XX/20 or in their words " processed. Now on XX/XX/20 nothing has been removed from my account, the balance is the same. The order is designated cfm # XXXX in the amount of {$840.00}. Also cfm # XXXX and cfm # XXXX. None have been completed. I wish to close this account with no penalties or fees and the bank is dragging its feet. There is also the matter of {$3000.00} in a credit card account they haven't released. I thought the CFPB was formed to regulate these thieves. You have a long way to go.

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 2023-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 2017 my Bank of America credit card account was discharged in bankruptcy, and then closed, payments were NEVER LATE. Bank of America keeps indicating to the Credit Bureaus that the credit card account is Delinquent, which is inaccurate. Due to the inaccurate information provided by Bank of America to the credit bureaus, the credit card account keeps being marked as Derogatory and the Bankruptcy filing date reported as Date of Delinquencies, which is inaccurate as well. 
I'm attaching bankruptcy documents and recent reports received from Credit Bureaus.

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