BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I fell for a relationship scam and she used an app that I dad set up to steal {$400.00} from me. But the bank finds nothing wrong with my dispute the first time. Now the second time the bank has me under XXXX. I'm scared they will find nothing wrong again and I'll lose {$400.00} to the scammer. How do I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We are a small business we have a business checking account with Bank of America with have 4 debit cards link to our business account, one if the debit card ending in XXXX was used to make a purchase of {$1400.00} with a company in another state this transaction is a fraud, we never made the purchase or received any goods from that company. When we first contacted the bank the transaction was still processing mode we advise our bank it was not us. The fund were still in out account and we told them to not honor the sale. They said the will open a case up to this date we still have not received credit for this amount and the bank closed the case indicating that it was authorized. 
We call back to the bank to once again open the case cause we never authorized or even have any contact with such company. They re-open the case again and few weeks later they closed it again. We call them to elaborate how they determined it was authorized we ask to know where this company supposedly send such purchase items or who they said authorized sell or at least to show us any proof of the sales. They refuse. 
Up to this date we are still waiting for an investigation report of this claim. We even try calling the company that shows In the statement and they said they have no record of such purchase. We have this debit card in our possession it has never left out possession.it has never been reported stolen or lost.

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 2019-10-29
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY FILE. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LIKE TO HAVE THEM REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY FILE. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LIKE TO HAVE THEM REMOVED

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 2019-12-17
Company: DISCOVER BANK
State: MI
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 recently applied for a credit card with discover and was denied under the guise that I previously held an account with a XXXX limit. I have never had a discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 Thursday XX/XX/XXXXXX/XX/XXXX2019 my credit score was XXXX on Friday XX/XX/XXXXXX/XX/XXXX Transunion, XXXX, XXXX  dropped my score from 34 to as much as  89 points. There was no additional information added or deleted during this time period except that my Credit Card balances were reduced slightly which should increase my score. Upon contacting Transunion they stated that is not information we can provide you. Predatory credit reporting is the biggest consumer ripoff in the United States.; I want the score returned to the mid 600s or a legitimate explanation why it is not!

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 2021-09-07
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND FUNDING LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the about of {$1200.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XX/XX/2021 the account was paid and agency stated the item would be updated and removed within 30 days from final payment. On all my reports the account is still there and showing an amount owed when this account has been paid and should be removed.

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 2019-10-29
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried talking to the mortgage company and ask for assistance and they will not review a short sale. I can not afford my mortgage because I lost my income and have since gotten another job but I am receiving significantly less then i was before. I need help, and I have a buyer who is willing to purchase the property. I am just asking for them to review so we can get a short sale done and i can avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dates : XX/XX/XXXX - XX/XX/XXXX Amounts : {$600.00}. - {$760.00}. 
AWA COLECTIONS are reporting false information, as this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TD BANK US HOLDING COMPANY
State: NY
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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:
when my identification, and personal papers ( medical ) were stolen from my car ( i accidentally left my bag visible ) while at a hotel, a couple months later i started seeing accounts show up like collections, ( i was contacted but when they couldn't verify my information, i heard nothing else form them but they still ended up on my credit report ), as well as accounts for motor bikes and loans i never applied for.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2018-05-08
Company: Collection Bureau of Fort Walton Beach, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling every single day with a robot voice, never a human. Calls have been happening for over 3 months every week day, try to call the number provided and never get an answer, they only leave voicemails. 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 2018-03-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a XXXX card that was serviced by XXXX XXXX it was charged off XX/XX/XXXX. I have disputed this numerous times with all three credit bureaus and XXXX XXXX. The payment history is not accuracy. It shows no data until the charge off on XX/XX/XXXX then shows current on XX/XX/XXXX and XX/XX/XXXX. Then no data after that. This whole account needs to be deleted from credit reports due to none of my on time payments being posted. Also does not have exact charge off date.

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 2023-05-26
Company: Experian Information Solutions 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: 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. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX/XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX/XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX has violated my rights. 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 can not furnish a 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 which antedates the report by more than seven 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 reasonable cause to believe that the information is inaccurate.

I want all accounts removed immediately!!!

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 2022-03-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Sold my vehicle to XXXX, XXXX deposited a check to my checking account JP MORGAN CHASE BANK on XX/XX/2022 the teller informed me after depositing the check that this check is on hold until XX/XX/2022. I received an email the night of XX/XX/2022 with a letter dated XX/XX/2022 stating I can not use my account and they will be closing it soon. I called immediately was placed on hold for several hours got hung up on and never called back. Once I called requested my account be looked into they said they are reviewing it and i cant do anything about it I would just need to wait it out. I looked at my account on the XXXX and seen my check was in my account then on the XXXX I received a notice my account was closed. I called XXXX and spoke to the accounting department and they informed me that the check cleared from their bank on the XXXX when I first deposited the check. We allegedly got it resolved on Friday XX/XX/XXXX, the woman on the phone informed me my account was approved by a supervisor and give them 1 business day for it to show back up I checked on Monday XX/XX/XXXX still wasnt back active gave it another day Tuesday XX/XX/XXXX still wasnt active so I called Chase again got transferred twice the woman he said was a supervisor and can help me out told me she wasnt a supervisor and couldnt do anything about it but she seen my account was requested to be re opened and no response per their inside notes. It is now XXXX on XX/XX/2022 still waiting for an answer on my account. This has caused all my automatic payment to be returned my work check to be returned and now my bills are past due with late fees and for my payment being returned witch is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
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: Account status incorrect

Complaint:
XX/XX/2019 Student loans from XXXX XXXX XXXX XXXX were re-financed with a private lender, XXXX. 
XX/XX/2019 In reviewing my account with XXXX  I noticed a balance for {$180.00}. When I called and inquired about the balance I was told that I owed that amount and that it was 2 months past due. The representative informed me on that call that the balance should have been paid by XXXX, but it was somehow missed. I proceeded to pay the {$180.00} balance in full and now the loan is paid off. 
After the conversation with the Representative ( 2-3 days later ), I received credit alerts and notifications via email stating that my XXXX loan was reported 2 months late. Confused by this, I contacted XXXX again and I asked for a goodwill gesture of removing the late payments from my credit report because the oversight was made by XXXX ( private lender ). XXXX refused to consider removing the late notices. The two late payments dropped my overall credit score and rating by 87 points with all 3 credit bureaus. I take issue with this because ( 1 ) XXXX  failed to contact me by mail or phone to collect or notify me of the late payments which would have given me the opportunity to pay the balance immediately. ( 2 ) The late payment notices didn't show up on my credit report until AFTER my phone calls to XXXX. ( 3 ) XXXX is the responsible party in this incident, but because I've paid the loan off, they can not do anything on their side.

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 2021-09-01
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is my second complaint about this company. They have inaccurately reported to the credit bureau AGAIN and negatively impacted my credit. The company has responded to my previously complaint # XXXX with LIES. I have NOT received any communication from this company regarding the debt or my ability to dispute the debt. 
As per their communication to your office they indicated Sunrise sent multiple written correspondence detailing the account and containing all required disclosures, but we were never able to reach Ms. XXXX via phone '' This is not factual information. My rights under the FCRA are not communicated by phone. I have never received communication from this company. 

Further your company reported this information excessively. 
Your response on XX/XX/21 stated " Sunrise has also sent a deletion request to the credit bureaus to which it reports on behalf of the creditor to remove any negative trade-line it may have reported Sunrise will no longer be involved unless we can be of assistance to your office or the consumer directly '' Now. LESS than 30 days from the company statement, this information was reported again to the credit bureau. This furthers my claims of excessive collection activity. 
Cease and desist with this predatory practice. 

REMOVE THIS INFORMATION and STOP PROVIDING FALSE STATEMENTS TO THE CFPB. I WILL PURSUE MY RIGHTS TO SUE YOUR COMPANY FOR VIOLATION OF MY RIGHTS.

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 2019-10-29
Company: EQUIFAX, INC.
State: SC
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 FILED ONLINE DISPUTE THRU XXXX XXXX ON XXXX XXXX ( XXXX ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD SERVICE IN AREA I WAS WORKING IN XXXX XXXX , NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A MAGIC BOX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( XXXX ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }. 
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Braviant Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Was contacted by XXXX regarding a debt from a loan company balance credit in the amount of {$2400.00} for a {$600.00} loan. First call I received at my place of employment was from XXXX XXXX a government compliance officer that was going to come to my home or job to serve me court papers left message on my work phone my moms phone and my personal phone with my personal information including my social security number. Talked with XXXX from the number XXXX. Made arrangements made 3 monthly payments of {$240.00} and one payment of {$170.00}. Well after doing research balance credit is not a legal loan in Ohio so I was only responsible for the principle balance so I stopped all future payment. This company harassed and makes threats and also pretend to be government worker used to threaten people into over paying on debts. They also would provide me with proof of the debt in written and threatened that if I didnt pay they would sue me without debt verification

Company response to consumer: Closed with explanation