BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
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:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX  XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: Experian Information Solutions Inc.
State: IL
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 Experian multiple times ( XX/XX/XXXX being the most recent ) to alert them of erroneous information that they are reporting on my credit file furnished by XXXX XXXX and they have violated my rights by failing to report data that is valid and correct. I made multiple requests under Federal Law asking XXXX to remove erroneous information reported by XXXX XXXX  and to provide me with any physical evidence that is provided specifically a copy of the original creditor contract, which they should used to verify the account as being valid and correct and was told by a representative that they do no have to do this. XXXX  and XXXX XXXX  are reporting that I had accounts with them at a residence of XXXX XXXX XXXX XXXX GA XXXX, ( an address in which I have no knowledge of ) and that I included them in a chapter XXXX bankruptcy filed XX/XX/XXXX, which is also false information as I did not bankruptcy in XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that the information was certified as accurate by XXXX XXXX  and that there would be no changes to my report as a result. XXXX  did NOT provide and explanation or evidence as to how they are so certain that the information they are furnishing is NOT a 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 2018-03-25
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:
Chase Bank closed my Checking Account for no reason. I was never overdrawn. I never bounced a check. Then their Corporate Office tried to tell me that they were freezing the money in my account and would not release my money to me except through a check that they would send me in about 15 business days. This involved my total balance as well as a pay check that had been directly deposited into the account. The letter that I received in the mail warning of the closure that would occur on XX/XX/XXXX was post marked for XX/XX/XXXX and was not received until XX/XX/XXXX I stood firm and got my money out but there are others who are not as strong minded as I am.

I have since learned that this has been happening to people here in California and in other states for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, On XXXX XXXX, XXXX, XXXX XXXX sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This XXXX have impacted reporting on your account for XXXX XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by XXXX XXXX according to the three major credit reporting agencies. 

When I called XXXX XXXX in XXXX XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from XXXX XXXX as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Midwest Recovery Systems
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A collection was added on my credit report from XXXX XXXX XXXX for a payday loan in the amount of {$820.00} from XX/XX/2013 that I did not borrow causing my credit score to go down. I dispute this with XXXX XXXX & XXXX but it is still on my credit report. I tried calling the company, it rings twice and then nothing, dead air.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX please delete/remove any other variations of my name. My SS is XXXX my DOB is XXXX. 
I went online to follow up on my credit report when I saw the there where several addresses on my file that are not mine please delete/remove the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following phone numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company 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 2021-09-09
Company: National Credit Adjusters, LLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had to call XXXX TO GET SOME 'XXXX  " OFF MY REPORT I WAS PUT INTO COLLECTIONS VIA NCA . NATIONAL COLLECTIONS AGENCY XXXX XXXX  AND NCA AR SCAM FRAUD ORGANIZATIONS- OUTFITTED, I THINK MAINLY, TO GARNER PEROSNAL INFORMATION ANY FOOL GROUP OF CON XXXX CAN PUT YOU INTO THIS FIX. IT IS A SCAM. XXXX XXXX ( WHOEVER THAT IS ) SAYS IT GAVE YOU A LOAN, AND NCA, SITS BACK AND SAYS YOU MUST PAY IT. THEY WORK TOGETHER TO SCAM INFOMATION. I DONT THINK THEY ARE EVEN SERIOUS ABOUT THE MONEY. OR XXXX USES THEM TO GET YOU TO CALL IN AND GIVE YOUR INFO. 

I AM AN OLDER PRIVATE INDIVIDUAL. I ONLY RAISE MY HEAD ONCE AND A WHILE TO REFI MY MORTGAGE. I GOT SMUDGED HERE FOR NO REASON. 


I DID spent a half hour on the phone with XXXX XXXX, ( XXXX ). what a horrible experience Some poor XXXX speaking person named XXXX from XXXX answered. It sounded like I was talking into a great echo chamber. 
SHE said, they will get to a resolution on this issue with NCA, LOAN? OR WHAT EVER IT IS? " OUTSTANDING '' OR, least tell me who NCA is? ( The clowns that said I took a loan out from them???? AND OUTRIGHT LIE ) *****IT WILL BE A MONTH BEFORE I KNOW WHAT THE GIST OF THE STORY IS? THEY WILL MAIL ME THE RESULTS VIA USPS.

National Credit Adjusters Complaints This business currently has nearly XXXX complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly XXXX with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests. 

ADD MY COMPLAINT TO IT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: RentDebt Automated Collections, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company did has not communicated with me about this alleged debt. There was no notice sent to me about me owing this alleged debt and I was not notified of my rights to dispute this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company Midwest Recovery Systems asking them to validate this debt with original documentation however at this point nothing has been received. It is listed on my credit report two times with identical account numbers yet two different amounts. As far as I am able to determine as if this is not egregious enough, I am unable to locate a license to collect in Michigan as required by law for this Company or any of the other companies with the same or similar names. This is causing a great hardship and I would like them to remove and DELETE these fictitious and possibly fraudulent entries on my credit reports from XXXX, XXXX and XXXX along with any other third parties. Placed on my reports for {$1000.00} and {$740.00} XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Today XXXX XXXX, XXXX, I awaken to check my PNC Bank account to find it was overdrawn with an overdraft fee dated XXXX/XXXX/XXXX of {$36.00}. I transferred funds into my account utilizing XXXX ( a bank transfer system that allows you to transfer cash ). When I contacted customer service I was informed my account was overdrawn on XXXX/XXXX/XXXX but I made numerous deposits since the XXXX therefore it does n't justify a fee added to my account 2 days later with a post date of 4 days later. PNC has unethical banking practices, there is no reason a person accounts becomes overdrawn and they are n't provided an opportunity to bring the account current within a reasonable timeframe. I never received an alert from PNC regarding any overdraft and I have proof the electronic transfer was made within the appropriate time. While on the phone with the customer service representative my account went from being negative XXXX on XXXX/XXXX/XXXX as the rep stated to the XXXX not being on the account in total. I would like a full investigation of my account as I believe PNC is not only conducting unethical banking practices but they are also conducting fraudulent banking practices, that allows customer service representative to make changes on customers account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I contacted XXXX XXXX XXXX regarding making payment arrangments in XX/XX/2018, they gave me an arrangment of {$66.00} my normal due date is the XXXX of every month, they tried to pull the {$66.00} out on XX/XX/XXXX and that put my account into overdraft, i called the company and a supervisor told me that when the processed cleared on there end, to call back and they would reimburse me the fee, so i called back on XX/XX/XXXX to see if everything was ok on there end, and a supervisor told me that the other supervisor shouldn't have told me that and they can't honor it, so i asked her that since they won't honor it could i pay the {$66.00} as agreed by the representative that gave me that figure in the first place, she went on to say she dont see any notes as to where i was given that figure, she just flat out lied because why would they try to draft {$66.00} on the second so i just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
These are not my 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 2018-08-30
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the last year I have been back and forth with the credit reporting agencies about a collection agency called The Bureaus,  whose account have been reporting on my credit report. This account does not below to me. The credit bureaus keep responding stating that I should contact The Bureaus because they verified that the account is correct and belong to me. So after doing some research I learned that I can dispute directly with The Bureaus which I did on XX/XX/2018. I did not get a response from them. So I sent another letter certified mail to their dispute department and also to the CEO and the letter was delivered approximately 2 weeks ago according to the USPS tracking, and they still have not responded to me and the accounts are reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-06
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$570.00} XXXX XXXX {$4100.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX  XXXX {$85000.00} XXXX/XXXX  XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CORELOGIC 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XX/XX/XXXX SS XXXX I have some issues with someone using my name and information to open up accounts cable and utilities. I have addresses on my credit report that are not mine. Never lived at theses address it is possible that they belong to a EX or family member. I have a common name and I am a XXXX. The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2021-04-09
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2020, I wrote a letter that was mailed certified informing XXXX XXXX XXXX XXXX, Experian and XXXX XXXX of an 'intent to file lawsuit, HIPAA Privacy Violation '. This is regarding medical debt accounts that has not been validated that are still being reported on my credit report. XXXX  has removed those erroneously reports that violates my rights according to HIPAA and my rights to exercise the Fair Credit Reporting Acts but Experian and XXXX continues to report this erroneously information from XXXX  XXXX, which violates my privacy and rights. Again, as per my certified letter written XX/XX/2020, XXXX XXXX XXXX XXXX and XXXX  XXXX  did NOT provide me a HIPAA release that releases my medical information and I am proceeding with legal action as prescribed by law against the credit bureaus and collection agency should these items not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX CRED Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX BANK XXXX Account XXXX : XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/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