BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
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: Public record information inaccurate

Complaint:
Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, Transunion and XXXX are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. 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 explanation
Consumer complaint received 2020-12-06
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Friday, XXXX I tried to use my Amazon Store Card with Synchrony Bank, and it was declined. Shocked as I have excellent credit I called Saturday, XXXX and was told the credit card was closed. From there every single one of my credit cards with Synchrony Bank were closed. When I spoke to the customer service representative I was told I was " high risk ''. I have perfect credit, I've never been late on a payment and do not have high utilization. Each representative I spoke to for each card would not help me and told me to reapply. This is going to drastically affect my credit score taking away close to {$30000.00} of open credit. I have worked many years to get my credit where it is, and can not understand why this company would do this. Just last month they gave me a credit limit increase on my Lowe 's card by {$3000.00} and another limit increase on my Amazon card by {$2000.00} and closed them a month later. If I was high risk why increase my credit limit? What a terrible time to do this at XXXX not that anytime is good. I have been reading horrible reviews about Synchrony Bank.

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 2023-03-12
Company: JPMORGAN CHASE & CO.
State: NY
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:
FUNDS WERE ILLEGALLY TRANSFERED FROM MY CHASE BANK SAVINGS ACCOUNT TO A THIRD PARTY, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: HCFS Healthcare Financial Services of TeamHealth
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: Account information incorrect

Complaint:
I recently learned about important credit is and so I decided a few months ago to pull my credit report for the first time and as I did that I fount a collection on my account from XXXX   XXXX XXXX. it is a medical bill that I never have heard of these people and I also have never been with insurance. I have had XXXX  since I was XXXX years old and I am now XXXX. There is no way that this bill can be legit with me haven for one no  acknowledgement of it and also it reporting that I would of owed something for the simple fact that I have had insurance my whole adulthood. I have many many times disputes this account I have kept getting the verified status back but never received a single paper of how this account was verified I even called this company and stated to them as what I wrote before and they were unwilling to help me or take my insurance number or my information to actually VERIFY THAT if this WAS MY ACCOUNT it would have been paid by my insurance. Ive sent my ftc report Ive sent proof my insurance I have sent everything needed to prove myself and havent got anything back to show me proof of there verification but state this is my account and hasnt even tried billing insurance or sent them a bill. I called my insurance couple and they stated I have had no lapse in my insurance and I know this because I XXXX my son in 2012 and I had insurance whole 2012 so I decided to give XXXX  XXXX a call back and again was unwilling to help me and my insurance stated to me give them my insurance billing number and tell them I had insurance If this is my account they need to send caresource a bill as if this was legit mine that they would have paid it and this company XXXX XXXX was unwilling to help me at all and by all means this is violation of my rights to keep reporting this inaccurate information on my credit report that shows it is reporting different information on each credit report and that I have no acknowledgment of this account for fact I have had insurance and my insurance states they didnt bill them nothing and this company wouldnt take my insurance billing information and send it off to them and this needs to be deleted now

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 2020-09-22
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I disputed an account reported by XXXX XXXX ( Original Lender 11 XXXX XXXX XXXX   ) in the file maintained under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report under the name Afni Inc on XX/XX/XXXX under two different account numbers for XXXX   and XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 an account on my file that is not mine I filed a fraud alert months ago with the credit bureaus I filed a police report as well to have the account deleted from my credit report. Please see attached documents. Please delete/remove the following accounts : XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX ( XXXX ) # XXXX PLEASE UPDATE MY CREDIT REPORT ASAP!

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 2018-10-08
Company: Experian Information Solutions Inc.
State: VA
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 tried to remove my inquires that where done by some scammer or something i still dont know but I have 71 inquires on my credit report and the only ones I acknowledge is XXXX. I have spoken with Experian and they tell me to write the creditors but they refuse to delete them even after I have told them multiple times it wasnt 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 2023-04-23
Company: EQUIFAX, INC.
State: NY
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 is incorrect

Complaint:
In my consumer report with Equifax, XXXX, and XXXX consumer reporting agencies, there is inaccurate information being reported. According to the ( FCRA ) Fair Credit Reporting Act, it is your responsibility to ensure the accuracy and fairness of credit reporting. I discovered these inaccuracies when I checked my consumer report on XX/XX/XXXX on the websites of each consumer agency. My address, incorrect employment name, and date of birth are all reported incorrectly. Along with this complaint, I have attached a letter that I sent to all three consumer reporting agencies on XX/XX/2023 through the USPS mailing service, and the letter was sent certified, containing the accurate information that should be reported on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/13 i was granted a divorce and the assets were divided between my ex-wife and myself. I continued to make my payments on time with no late payments. My ex-wife didn't pay the creditors and had a foreclosure and numerous late payments. We have ( 3 ) lines of credit with chase bank that are joint accounts. I purchased one of the properties back from the ex-wife, and she continues to pay the other two. The one I purchase from her had a line of credit of {$240000.00} which I have paid down to {$130000.00}. I have tried to refi the line of credit with chase bank and they refuse issure a new line in my name only and will not allow me to take my name off the two she still has. My credit has continue to be perfect with never having a late payment. I tried to get a line of credit with XXXX XXXX XXXX and because of the foreclosure and her late payments they will not give me the credit, not to mention the hard inquiries bring down my credit score. The properties have a grant deed to each of our names individually. I have no control of her properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Receivables Performance Management, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and saw a debt on there I had no knowledge about. I reached out to the collection agency on file and requested the original agreement or contract from the original furnisher as my right under the FDCPA. The agency responded by mail with a print out of the debt but not the ORIGINAL contract. In my initial outreach to the agency, I asked for my request to be met within 30 days in which they failed to do so. This agency if ruining my my reputation and creditworthiness and is in direct violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls at all hours of the day. Trying to mask the phone number. Also, strange looking letters offering to settle the debt for a lesser amount but not telling me who I owe the money to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under on open end consumer credit plan as late for purpose.

335

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 2017-03-30
Company: Halsted Financial Services, LLC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from Halstead financial services from XXXX The caller repeatedly hung up on me before I got a woman named XXXX told me that I was in dept and I need to pay it because I 'm in the last stages before legal action I ask to speak to a manager she said the manager would call me back demanded to speak to one right away they gave me to a woman named XXXX she told me all the information on the account none of it is my information but the name they got my number and address from a skip trace of some sort

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CURO Intermediate Holdings
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
They wont remove hard inquiries that I didnt have knowledge of and wont remove my late student loan payment when I was in forbearance

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 2019-11-04
Company: U.S. BANCORP
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:
On or about XX/XX/2019, I went over my credit card charges and discovered that unauthorized charges were placed on my credit card issued by US Bank. Upon talking with their fraud division which has a division for checking and savings accounts and a separate division for credit cards it was determined that someone tried to open a checking and savings account in my name. I filed all the forms the bank asked for and reported this to the three credit bureaus as the bank instructed me to. The charges were canceled and a new credit card was issued along with a card that I did not authorize which I had the bank cancel. 
Now on or about XX/XX/2019 when I tried to make a payment on the phone, I learned that about {$4100.00} in unauthorized charges was made on my new credit card as a bank transfer from a checking account and charge card which was opened without my authorization or knowledge on about XX/XX/2019. I learned this from the bank 's fraud division. They said they will close the checking account and charge card as well reverse the fraudulent charges. As of today XX/XX/XXXX, the charges are still there, there is no manager to speak to and it astounds me how the bank allowed another fraudulent account to be opened in my name.

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 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my Trans Union,  XXXX and XXXX credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT 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 2017-12-19
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am the victim of ID theft and have submitted the affidavits to those companies believe I owe a debt that was not brought on by my own doing. This company in the past three weeks has called me nearly 46 times during work hours even though I clearly explain to them that the debt is not mine. By doing this they are in violation of many different acts and they seem to think they are above 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 2023-04-23
Company: United Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My identity was stolen and used to acquire a prepaid XXXX XXXX XXXX XXXX to the amount of {$500.00}. It is associated with XXXX. The thief used the card to purchase a {$1200.00} XXXX XXXX from XXXX, then started a line with XXXX. I found out about this in XXXX via a bill from XXXX XXXX. The thief used my identity on XX/XX/2023. I opened a police report via the XXXX Police Department, XXXX # XXXX, and sent letter a to XXXX XXXX, XXXX and XXXX to explain the situation. The police offered no help. The only entity to reply to my letters was XXXX. They did not believe me because this took place in the same city that I live in ( XXXX PA ). The representative on the phone did not seem to care about my situation and seemed more interested in when I would pay them. Afterwards, I received continuous phone calls in regards to the debt they demand I pay. I've received multiple bills from XXXX XXXX, XXXX and XXXX. This situation has negatively impacted my credit score. The debt to XXXX ( via the prepaid XXXX XXXX XXXX XXXX for {$500.00} ) has been sold to XXXX XXXX I, XXXX. The debit " balance consists of {$480.00} of of principle, {$100.00} in interest, and {$260.00} in fees ''. I'm reaching out to receive help in proving that my identity was stolen and therefore I should not be responsible for these debts, and should that be successfully proven, receive help and advice in how to avoid possible persecution from these businesses in the future, and how to defend myself against any business that would allow identities to be stolen without any proper identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Experian Information Solutions Inc.
State: TX
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, XXXX XXXX, CURRENTLY DO NOT DISPUTE THE FOLLOWING ACCOUNT XXXX XXXX XXXX XXXX IN THE AMOUNT {$1300.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1800.00} EITHER AS REPORTED ON MY CREDIT REPORT OR DIRECTLY WITH THE CREDITOR. I REQUEST THAT THE INDICATION OF A DISPUTE IS REMOVED FROM MY REPORT. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO REACH ME AT XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: NJ
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 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 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 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.

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