BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: Reliable Credit Association, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX, Inquired on XX/XX/2019. 
XXXX XXXX XXXX, Inquired on XX/XX/2019. 
RELIABLE CREDIT ASSC I, Inquired on XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
portfolio recovery assiciates llc sent me a letter saying that i have an account with them and that they are going to take monies out of my account for this debt. I told them that these debt does not belong to me and stop calling me about it. I ask them to send me proof that i have a contract with them, show me where i sign any contract with this collection companies, the only thing they sent me was an bill stating that i owe them. this is just a bill they bought from the credit bureaus saying that i owe them. I also contacted the credit bureaus in regards to this fraudulant account and they said it was verified, I ask them to send me any documents they have on this fraudulant account, that verifies this. the credit bureaus have not sent me any kind of documents. how can the credit bureaus put anything on my file without having documents to verify. they are so crooked, with so many data breaches on these credit bureaus, they should look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions 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:
cra inaccurate information ftc filed

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 2023-01-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act.The list of accounts below has violated my federally protected consumer rights to Privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Reference number XXXX Account name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States that I have the right to privacy.

15 U, S.C 1681 section 604 A section 2.It also states that a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items Of information, any other adverse item of information, other than records of convictions of crimes with antedates the report by more than sever years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has a reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I  am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ XXXX XXXX ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ XXXX XXXX XXXX XXXX XXXX ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: The CMI Group, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Management, is attempting to collect a invalid debt from me, which I never made contract to pay them over know who they are. This is another collection agency XXXX XXXX has hired to attempt to collect an unverified debt from me. 

Credit Management has a WRONG ADDRESS on file for me and their amount is WRONG! They also CAN NOT verify the debt to me. Please delete this unverified account from my credit reports or I will sue them. 

I'm not asking to verify my name, address or social/date of birth, anybody can get that information. I'm asking them to follow the FCRA and show proof of a signed contract agreement, that I agreed to ever pay them any amount!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: OR
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:
A few weeks ago, I tried to login to Experian to see if my credit information matched with XXXX XXXX. I was having difficulties logging in. Experian was asking me to verify myself ( after the process of name, address, SSN, etc ) it asked what company I have a mortgage loan with/student loan/car loan. I answered does not apply to all of them. Because I do not have a student/car/mortgage with anyone. Experian then told me they could not verify me. I tried again, recieved similar question, I chose the same answer. Experian then gave me the notification that I needed to call. 

I called, the person had a bit of trouble verifying me, but was able to since they had my main address from XXXX  in XXXX. I live in XXXX  now. My credit score was above XXXX. Yesterday I recieved a notification that I had no credit. So I immediately logged in and seen I had no credit and no accounts. I had 2 accounts. One credit card with XXXX  XXXX XXXX XXXX. That closed. I was also on a XXXX XXXX Credit Card as a joint signer. I don't understand how I went from having credit above XXXX to having XXXX credit?? I worked so hard with my first credit card to establish credit ... ... and now it's gone. All of the credit reporting agencies show XXXX and say I never had credit. I am so confused and so mad and upset. 

What do I do? The person that assisted me from Experian seemed to not care and was unable to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Citibank stole over {$30000.00}. I NEED HELP. THEY HAVE ALWAYS REFUSED ME ACCOUNT ACCESS-I FOUND IDENTITY THEFT AND CITI REFUSES TO GIVE ME COPIES OF CHECKS IR WITHDRAWAL SLIPS. I WANT CREDIT. I WENT IN XXXX XXXX XXXXAGAIN XXXX XXXX XXXX XXXX PLAYS WITH ME, LYING, ETC. I NEED MY MONEY.

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 2023-01-25
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:
This is my 3rd request. I don't understand how credit reporting agency can use stall tactics to hurt the consumer. / my credit is being ruined, im being denied and on the verge of homelessness

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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:
My personal information was compromised and used by someone else to open accounts without my knowledge. I have previously informed the bureaus and the CFPB of this matter. However, it seems XXXX and Equifax are still reporting the following fraudulent items on my credit reports : XXXX   FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct # XXXX EQUIFAX FRAUDULENT ACCOUNTS XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX EQUIFAX FRAUDULENT INQUIRIES XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXXk XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX These do not belong to me. They are fraudulent accounts and should be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
{$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) 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 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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2018 a bankruptcy was shared on to TransUnion XXXX and XXXX. 

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

15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency may 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 2023-04-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony Bank sent a response to my previous complaint ( CFPB # XXXX ) that does not address the actual issues brought to their attention, simply stating meaningless facts for the sake of providing some sort of a response. For instance, Synchrony Bank stated that the address on my Synchrony Bank account does not match the address on my inquiry through the CFPB : this is not true because all my Synchrony Bank statements and other correspondence from Synchrony Bank carry the same address as the address shown on my inquires to Synchrony Bank directly and through the CFPB. 
The letter dated XX/XX/XXXX by Synchrony Bank, of which a " copy '' was attached to their response sent to the CFPB, was never sent to my attention by mail or through the on-line portal. This letter stated the following : " At this time, we consider the dispute closed and the matter resolved to your satisfaction. These credits will appear on your XX/XX/XXXX billing statement. This adjustment does not set a precedent for any future adjustments regarding this matter. In addition, no further adjustments will be made to your above-referenced account unless there is a valid billing error ''. 
Instead, I received a letter from Synchrony Bank dated XX/XX/XXXX which stated the following : " If you feel that your inquiry was not handled appropriately or you have additional information not previously provided, please call us within 30 days of this letter at the phone number listed below so that we may further review your inquiry ''. 
In fact, based on the letter I received from Synchrony Bank dated XX/XX/XXXX, on XX/XX/XXXX I contacted the Dispute Remediation team and discussed the circumstances of the disputes on the two orders with XXXX XXXX XXXX, having already requested on several occasions over the last few months that the overbilling on the orders ( order # XXXX, sale date XX/XX/XXXX ; order # XXXX, sale date XX/XX/XXXX ) is reviewed by the team at XXXX XXXX XXXX and the overbilled amounts are fully refunded to me. On XX/XX/XXXX, the Account Manager of Dispute Remediation at Synchrony Bank ( XXXX XXXX XXXX XXXX reassured me that the disputes have been re-opened ; he was also able to confirm that the address on my Synchrony Bank account is the same address I used in the correspondence regarding my disputes, and was unsure as to why the Senior Specialist XXXX XXXX stated in the response provided to CFPB that the address in my inquiry ( dispute ) does not match the address on my Synchrony 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 2021-09-13
Company: EQUIFAX, INC.
State: DE
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 like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX and XXXX XXXX I have attached a copy of the ID Theft Report with this complaint. The report number XXXX please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CITIBANK, N.A.
State: MA
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:
I was never late on this 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 2021-08-12
Company: Resurgent Capital Services L.P.
State: IL
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 sent off several attempts to the LVNV Funding and to the bureaus to try to validate the debt. The only response I am receiving is a bill in the attempt to collect the debt. I sent letter on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have not received any agreement between myself and LVNV Funding. Nothing has validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called on chase bank on XX/XX/XXXX to report fraud via someone using the XXXX  app to siphon XXXX ( XXXX charge of XXXX and another of XXXX ) dollars out of my savings and checking accounts. I filed a claim with chase and after 2 days of investigation, chase decided that I authorized these transactions and that I received emails and texts about these transfers ; both of which never happened. I then grew very distressed and discouraged and implored to chase that I hadnt done any of this and what to do from this point on. They proceeded to tell me that I must prove that I never made a XXXX account via faxing documentation ( like Id have that in the first place ). I called XXXX  customer service, and by the grace of XXXX, was able to get a representative that explained to a chase claims representative that I never made a XXXX account and also that someone elses name was under the account with my banking info. If this wasnt enough proof then there wouldnt be. I opened a second claim for the same theft but what I had to do to get my money that chase lost was very sickening to say the least. Chase banks needs to be investigated promptly as I believe their own staff is stealing from clients. Also, I believe you do this by way of XXXX transfers which I had to look up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-26
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: Old information reappears or never goes away

Complaint:
TransUnion has placed two items on my report, despite previously removing them. I have submitted police reports from various agencies and an FTC identity theft report in the past. I am listing the information below that needs to be removed. It consists of 2 accounts and 7 inquiries. 

I am attaching another identity theft report. Any additional information should already be on 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 2023-07-17
Company: JPMORGAN CHASE & CO.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX fraudulently charged my account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Chase has refused to properly begin an investigation despite claiming they would and the situation being described as nauseum. Today one representative refused to take my information and they did not do as promised from yesterday 's conversation wherein to dispute the fraudulent charges from XXXX Today I asked for a supervisor and the XXXX who did not understand anything after beong on hold for 30 minutes refused to do anything. 

Please help as no one has a clue what they are doing at Chase and it's super disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: AMERICAN ADVISORS GROUP
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Getting fraudulent mail from a company pretending to be AAG which I have a Reverse Mtg with and I also worked with. I know they never had anything like this or would they ever have. They are saying I had a home warranty and it is not up to date and I must renew it as this is a final notice and for course they want money to do this and I must contact them asap THIS IS A FINAL ATTEMPT TO NOTIFY YOU XXXX Customer ID XXXX Respond by XX/XX/2023 This is being sent to seniors and trying to scare them into sending money for something that does not exist. 

It says : FINAL NOTICE Lender Info : American Advisors Grp

Company response to consumer: Closed with explanation