BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-08
Company: TRANSWORLD SYSTEMS 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 a 3rd party account called transworld was reported on my credit profile to the credit bearues. However the original account related to this contract has had been cancelled, and I am not liable for any and all 3rd party charges regarding this account.The account is unverifiable and I have not received the proper documentation that holds me accountable.The orginal creditor has already been paid for their losses through insurance and taxation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: JPMORGAN CHASE & CO.
State: CA
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:
I have tried repeatedly to resolve a billing dispute on my Chase business card, for 2 transactions totaling {$30000.00}. Previously, I have never had an issue with their customer service resolving billing disputes. I was always able to speak to someone in the United States who spoke fluent English. I was scammed by an individual, and I have faxed and emailed every piece of evidence and document they have requested of me, yet I still get generic responses and the runaround. My evidence is clear as day, as the correspondence with the " seller '' documents his admission of not sending the correct items. One of the Chase representatives actually told me that even if I don't receive the merchandise I was supposed to receive, they are unable to help me as long as seller 's tracking shows delivered. I am not getting ANY assistance from their customer service, to resolve my disputes. Because this has now been going on for 3 months, my only option is to take Chase to arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: KY
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 consumer rights pursuant to the Fair Credit Reporting Act are being violated. I have inaccurate/fraudulent accounts appearing on my consumer file/credit report. I have sent several letters disputing the fraudulent accounts and filed a complaint with the Federal Trade Comission. I am requesting that these accounts be removed immediately. I need help enforcing my consumer rights. The violations are : 1 ) 15 usc 1681 ( a ) ( 4 ) - Accuracy And Fairness Of Credit Reporting I have a right to privacy. No company or person can tell me what is private to me. My right to privacy is being violated with these fraudulent accounts appearing on my credit file. 

2 ) 15 usc 1681b ( a ) ( 2 ) Permissible Purpose Of Consumer Reports I did not give written permission to report these fraudulent accounts on my behalf. There is no permissible purpose to report these fraudulent accounts. 

3 ) 15 usc 1681a- ( e ) Congress says when an investigation is conducted you must speak to my neighbors, friends, or associates. If you did speak with them congress say the information provided can not be factual! These fraudulent accounts can not be verified. I am the only one that can validate accounts on my behalf. They must be removed immediately! 
I have attached my drivers license and utility bill to verify my identity and residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Stern Recovery Services, Inc.
State: NC
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received investigation results.

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 2020-04-21
Company: Delta Management Associates, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2020, I sent a complaint to the ombudsman at Delta Management Associates about XXXX XXXX. The ombudsman has yet to respond to my email.

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 2023-06-03
Company: EQUIFAX, INC.
State: TN
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 sent this request that you reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. The account is listed below for you to review : XXXX XXXX XXXX XXXX Balance : {$30000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-08
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, My husband and I tried to use Experian to get our free credit score and report in XX/XX/2016. 

To use their free service, one must submit credit card number and agree to their free trial period, which can supposedly be cancelled anytime within the trial period without incurring any additional charges. 

However, when I tried to log on to their website to cancel my trial period, the website was inaccessible. Each time, my login failed, and when I answered all the security questions, those failed as well. Every Single Time. My social security number did not change, nor did my mothers maiden name. Yet Experians website claimed my answers did not match their records, so they could not access my account.

Subsequently, we have been charged every month for 32 months for a service that we neither desired or could even access. The charges started at {$21.00} per month, per person, but are now up to {$24.00} per month, per person. To date, we have been charged over {$1200.00} for a service that we never desired nor could access. 

When I finally called to request a full refund, I was told that I had agreed to all of this and a refund was not possible. 

Please force Experian to issue a full refund for my and my husbands accounts and also enact severe legal consequences against them for committing fraud against their customers. 

Thank you.

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 2020-09-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 litigation due to the stress you caused me. My information was also 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 2020-07-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex wife was contacted by XXXX XXXX XXXX with an urgent message for me to call them In regards to a legal matter. When I called them they said I owed {$2200.00} for a loan I got from ACE Cash Express back in XXXX and that I was going to be sued for writing a bad check. Thru tried to get me to settle the matter for {$1300.00}. They had my birthday, SSN and email address. I told them I would call them back after I looked into this. I did not take out this loan. I called them back after doing research on their company and saw that they have had numerous complaints about this issue. I left a message for them to call me back, stating I was going to file a complaint with you. Im not sure how they got my info or my exs number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Improper use of credit reporting information. Which is against the Law.

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 2023-03-15
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Re : file # XXXX On XXXX transUnion staff did erroneously change current address to my credit file then mailed reports to same wrong address which placed my file in the hands of questionable people with ulterior motives. I frustratingly telephone called TransUnion on XXXX. I spoke with several rude and interuptive supervisors ( XXXX & XXXX ) who verified my current address XXXX defiantly refuses to send credit report to correct address

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 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE FRAUDULENT AND IDENTITY THEFT!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: NC
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. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE ACCOUNT LISTED BELOW IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX $ XXXX Opened : XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have several medical debts that i am trying to dispute. I was told i had to fill out some paperwork and was not in a clear headspace during these hospital visits, but i had asked several times if i would be liable for these bills and they told me no. They told me to fill out paperwork next thing i know i am checking my credit reports and i have collections that i was not aware i had. I tried disputing online, and i tried calling many times to no avail. And with the COVID many people are out of work, including myself so i am trying to dispute all three medical debts that i was told i didn't have to worry about. I have made dispute calls to XXXX  and XXXX, and will make a call to XXXX  as well right now. I just am having no luck with these companies ( CMRE/XXXX/XXXX XXXX ) Everyone i contacted for customer service through the credit bureaus have been great. 


XXXX XXXX XXXX : XXXX on XXXX XXXX app. 
Customer service for the agency said it was XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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: Account information incorrect

Complaint:
I had late payments on my account from XX/XX/2019 to XX/XX/2019. I did a modification which started XX/XX/2019. I was told no late payment would be reported. I have tried very hard to work with XXXX XXXX and the credit bureaus. I have gotten nowhere. I am looking for someone to assist me with getting this resolved.

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 2023-06-01
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: Information belongs to someone else

Complaint:
I Have no knowledge of this account, XXXX XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
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:
PRA is also a financial institution and has furnished information to all the major credit reporting agencies, including XXXX, which have in part adversely affected this consumers ability to apply for credit successfully, WITHOUT NOTIFYING THIS CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for an XXXX XXXX XXXX XXXX card in late XXXX under the offer of XXXX bonus miles and {$100.00} statement credit. I was instantly approved. After the card arrived I noticed it was downgraded to the XXXX platinum plus instead of the XXXX signature of which I applied for. The platinum plus version has more rules and less benefits/rewards which I would have not applied for otherwise. 

Why the bait and switch Bank of America? If you could not approve me for the XXXX signature why not just deny my application instead of these tactics. All it does is frustrate the customer and make them not want to use BoA at all anymore. The XXXX signature and Platinum Plus are different products with different rates, fees, benefits, terms.

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 2023-05-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXX inquired on XX/XX/XXXX ; EQUIFAX MORTGAGE SER inquired on XX/XX/XXXX ; XXXX  XXXX  inquired on XX/XX/XXXX. 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized.

Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted each bureau by certified mail to have proof of verified debt. I ahve not received any response back verifying the debt belongs to me. Here are the items : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( 5 accounts )

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 2020-01-26
Company: United Debt Counselors, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received threatening letters for credit card debt totaling {$37000.00} which is a false accusation. I don't have any credit card debt. 

The website they post, www.udcamerica.com does not open and seems to be a false site. 

I have received 3 letters sent to my previous address dated XX/XX/XXXX, XXXX and XX/XX/2020. 

I would like to report this fake company making these false accusations and requesting payment to steal money from the general public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Total Card, 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: Information belongs to someone else

Complaint:
I was getting ready to inquire on purchasing a new home and of course I had to check my credit. Upon doing so, I have found several fraudulent accounts and addresses that don't and never have belonged to me. These accounts date back years and are spread out through various account types. I am disputing these fraudulent accounts with the three credit bureaus as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: AZ
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 check my credit report and notice some things that does not belong to me.The account listed below aren't mine. I sent in multiple letters to address the issue, they deleted the accounts but it keeps coming back. haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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