BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : 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   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 2017-09-18
Company: EQUIFAX, INC.
State: ME
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:
I have a number of issues currently with Equifax. 

- on XXXX I ordered a paper copy of my credit report. I paid {$5.00} for this report. I was told it would take 5-7 business days. When I spoke to an Equifax representative on XXXX, they stated that it had been mailed I would receive it shortly. It is now XXXX - XXXX business days later - no report. 

on XXXX I called Equifax because suddenly my ENTIRE credit file disappeared and an address from another state was appearing attached to my name and SSN. After numerous attempts to get this correct all that has been done is an update of my current address. It is now XXXX and my file is still completely blank. My entire credit history has vanished and no one at equifax seems to be able to explain why or is even vaguely interested in fixing it ( I had one CSR tell me that no, in fact, I did not have any credit accounts otherwise they would be showing up ). 

- after the security breach was finally made XXXX, I went to the security web site to see if I was impacted and when I could sign up for credit monitoring. I was told that yes, I was impacted and that my date to sign up would be XXXX. After registering, I would receive an email to complete enrollment. Today is XXXX and I have yet to receive any word on further enrollment. Given that my one complete credit file is now blank and equifax is taking 5 business days to provide some modicum of monitoring service, I have grave concerns that my credit history with Equifax is even existent. 

Due to this shoddy handling of sensitive protected information, I am currently unable to apply for any credit as a comparison on my reports between the other two CRAs and Equifax would show grave discrepancies, all due to Equifax 's incompetence. I have also been denied credit which I believe is solely due to Equifax mishandling of my file and incorrect information ( in this case, no information ) and a wrong address being reported. 

Also, aside from this complaint, and joining any class action law suit I can against Equifax I will be filing a separate, individual lawsuit for FCRA violations as clearly they are unable to maintain accurate and complete records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: OH
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 to 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 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 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. SECTION 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) SECTION STARS : 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 or crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A OERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF TH PERSON KNOWS OR HAS REASONABLE CAUSE TI BELIEVE THAT 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 2020-07-27
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, XXXX has obviously purchased several old credit card debits I owed from years ago and are using the law firm Blitt and Gaines , P.C . ( XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) to collect. They do not send any correspondence stating that they are trying to collect the debt and do not call. They simply send me a court summons. This has happened 3 times now, all during a pandemic while I'm furloughed from my job! The first time they were sending info to a wrong address prior to sending the summons. The second 2 went  straight to the summons. They refuse to work with you on payments, they threaten to garnish wages and call your employer and this last summons even includes an affidavit that has incorrect information on it! It's most likely not even mine and yet it went STRAIGHT to court! They have upwards of 50 people waiting for one lawyer on a given day and then he shows up 2 hours late while we all are missing work and we have to wait while he goes through each one of us. But if one of us had been late, they would have gotten a judgement AGAINST us ... no one would have waited 2 hours for us! I wasted 5 hours in court one day to have a case continued! I feel harrassed endlessly by these people and never know when they will show up again or what they will do. They violate the FDCPA and the judges seem to side with them and protect them because they are " lawyers '' and they know them. I'm already having money issues due to COVID and paying on one of their collections and I feel like they are preying on me. I can't afford an attorney to go after them. I need it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: OK
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX XXXX Balance {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We booked several flights and a XXXX in XXXX at the start of the coronavirus pandemic. These flights were cancelled by the airline but were not fully refunded. We never requested any other form of cancellation except for our money back. The airlines and the credit card company did nothing to help resolve the issue. The XXXX host never once contacted me at any point. 

Companies involved : Capital One - they did not dispute the credit card transactions XXXX - they refunded only one-way of our round trip tickets and refuse to refund more. I only ever asked for a full refund. Amount remaining that was never refunded : XXXX. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 
XXXX - they refunded the flight, but refuse to refund the cost of a seat assignment. Amount remaining that was never refunded : {$61.00}. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 
XXXX - the host never once contacted me about any changes or lack of changes due to covid. Amount that was never refunded : {$550.00}. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 

For details about dates, amounts, and actions please refer to the attached pdfs which were both sent to Capital One. I am deeply disappointed to see that my transaction dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Company reporting incorrect information on my credit report

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 2020-11-25
Company: Experian Information Solutions 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 Crefit Bureau EXPERIAN are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows EXPERIAN Reports the following accounts that are not mine and proof supporting that was provided Acct XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX the following accounts # XXXX # XXXX # XXXX. I would like to add that my personal information and crefit file was among those affected by the data breach in 2017. Also I want to note prior to that I was a victim of identity fraud in which I had to meet with an FBI agent to sign documents surrounding that case. At that time I submitted this information to all three credit bureausIf this case is not resolved by removing these account/ debt that are not mine from my credit file then I will proceed file this case for ARBITRATION-as well as forward this complaint to the Federal Trade Commission XXXX If not resolved proceed and pay the fee to file this lawsuit ( case ) in court.

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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Negative inquiries and charge off should have been 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 non-monetary relief
Consumer complaint received 2020-10-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2019-03-04
Company: REVERSE MORTGAGE INVESTMENT TR
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Our manufactured home was burned to the ground on XX/XX/2018. We have a reverse mortgage # XXXX. XXXX XXXX settled our file and we sent the signed check for {$78000.00} to Reverse Mortgage Funding along with the all of the required documents. We sent our plans and blueprints of the new home, the adjuster 's report, the contract for the new manufactured home, and the contractor who would set the new home on the foundation.

We have received no response. We have called and been put on hold for hours, just to be disconnected or told that they don't have our paperwork. We are being held hostage and can't even apply for a new loan until this is resolved. We can't afford to stay in a hotel indefinitely. Please help us. 

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 2023-03-22
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can 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 2021-05-26
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XXXX XXXX I complained to Chase Bank for a fraud for XXXX dollars of which I was a victim on XXXX XXXX and that the Bank considered that there had been nothing illegal and therefore did not return my money.This day this complait was sent to the Chase Bank and on XX/XX/XXXX the Bank responded by denying the claim again.After several attempts I was able to speak with XXXX the person from the executive office who attended my case and later I spoke with the Deparment of Fraud below to Chase Bank and I obtained new information, on XX/XX/XXXX at XXXX XXXX they received a call from a XXXX to request an increase in the ceiling of my debit card terminated at XXXX to XXXX dollars to request the transactions that they needed, a supervisor asked him some personal questions that they answered and everything wes fine.My point is first that number I do not know and second that number is not credited to my account if the Bank had done things right would never have accepted the call because this number was not there in your file and called me to the phone number in your file, also it can easily be verified that it was not me who spoke by comparing the voices, I put all this in a letter I made to the claims department which I sent by fax on XX/XX/XXXX, and on XX/XX/XXXX I received a response with the same letter word by word that they sent me when the first rejection, which makes me think that they did not give the slightest importance, that is, the Bank already took their decision and this is immovable, of course they are not willing to lose those XXXX and prefer that I lose them being totally innocent.I hope thet someone does something correct and the justice will be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Four Directions Lending LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
filled out my information for a loan to consolidate my bills. received loan agreement to sign via e-sign. upon review they are trying to charge {$2300.00} on {$350.00} loan. that an apr of 700 %. if i hadnt been diligent about reading the loan documents i probably would be getting wallet XXXX right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: ALLY FINANCIAL INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I mailed a fraud claim dispute about a checking that was opened in my name since I've been XXXX in the Oklahoma department XXXX XXXX since XX/XX/XXXX and I've been at XXXX XXXX XXXX XXXX since XX/XX/XXXX. Till date I've never received a letter or any update regarding this issue with this account opened under 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 2018-05-03
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would like to submit a complaint against ( Afni Inc ) regarding unknown account ( s ) ( XXXX  ) in the amount of {$670.00} reporting on my credit report ( s ). ( Afni Inc ) reported and placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Afni Inc ) never provided me with notice nor did ( Afni Inc ) mail me any letters or communicate with me in any manner regarding this alleged account ( s ) ( Afni Inc ) is reporting on my credit report ( s ). On or about XX/XX/2018 I mailed ( Afni Inc ) a certified, registered and tracked letter via the United Stated Postal Services requesting debt validation of the account ( s ) ( Afni Inc ) is reporting on my credit report ( s ). ( Afni Inc ) has not responded but continues to report the unvalidated and unverified unknown account ( s ) on my credit report ( s ). The reporting of the erroneous account ( s ) /entries on my credit report ( s ) by ( Afni Inc ) are detrimental to my overall credit rating and has caused me severe financial and XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I called the general customer service number about my issue & was treated in a way that's not consistent with Chase Bank customer policy. Not only was I bounced around by several departments that either didn't want to address the issue or didn't know how to handle the issue they were extremely unprofessional. I finally had a chance to ask for a supervisor & she purposely put me on hold for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Sprechman & Associates, P.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2016, I was the victim of identity theft, when my brother XXXX XXXX, opened ( 2 ) checking account with XXXX XXXX XXXX XXXX  accounting ending in XXXX and XXXX. He attempted to finance a truck and wrote a check to XXXX XXXX XXXX in the amount of {$2500.00} on account No. XXXX which at the time was closed due to account abuse. XXXX XXXX, XXXX guaranteed the check would be paid, they in paid XXXX XXXX. XXXX XXXX  XXXX XXXX, as successor in interest to XXXX XXXX XXXX XXXX XXXX seek to recover the {$2500.00} from me by a civil suit seeking damages over {$8000.00}. In late 2016, I notified XXXX XXXX, XXXX, that I am a victim of identity theft and the debt is not mine. XXXX XXXX, XXXX, sold the debt to XXXX XXXX  XXXX, XXXX, after I informed them that I was a victim of identity theft. 

The XXXX XXXX XXXX Sprechman & Fisher, is the debt collector in this matter and have been notified that the debt is not mine and was fraudently obtained by identity theft. I am now being sued by this company in XXXX County Court XXXX JDC, case No. XXXX. I have filed a police report in this matter and am actively working with the XXXX Police Department, Detective XXXX XXXX, Police Report No. XXXX

Company response to consumer: Closed with explanation