BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-19
Company: Risecredit, LLC
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 information incorrect

Complaint:
I contacted this creditor to provide proof this is my account. I had another account which was paid in full and closed on XX/XX/XXXX. And this account is showing opened on XX/XX/XXXX. 
I have asked for proof of this being my account and have not recieved anything. 
They have sent one reply asking for my personal information that I have provided in my initial letter. 
Still have not received proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX ACC # XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX XXXX ACC #  XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC #  XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Unions XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous XXXX XXXX Inquiry from XXXX XXXX, XXXX Telephone Companies XXXX XXXX Inquiry from XXXX XXXX, XXXX Credit Unions XXXX XXXX Inquiry from XXXX XXXX, XXXX Miscellaneous Utilitie s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

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 2019-10-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 I disputed a charge off student loan through Experian. The loan is from Us department of education. I sent a second round letter to Experian asking for the documents they used to verify my account. On XX/XX/2019 the investigation came back verified. There was no documentation sent. My loan is for XXXX. I believe that they are in violation of my rights. I spoke with an Experian representative and was rudely told that they verified my account. I told them that I dont believe that they did a full investigation in 3 days. I also asked if the original document was sent over to verify the account, to which they kept telling me it was verified. From my understanding if I asked for the documents used to verify the account and dont receive it. It should be removed off of my account. How can they do a full investigation in 3 days? How can they not send the proper documents as asked 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 explanation
Consumer complaint received 2018-03-16
Company: JPMORGAN CHASE & CO.
State: NE
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:
To whom it may concern, In XX/XX/XXXX I noticed I had a bigger than normal monthly payment due on my Chase Credit Card which I use mainly like a checking account. I pay all my bills and expenses through this credit card account. I inquired about the purchases that month and realized that many of them I had no idea what they were and how they got on to my account. I have been for the past year working on starting my own company and honestly havent had time to sit down and review each purchase for months of statements. I then decided to hire an accountant to oversee all my finances and the history of each account. His name is XXXX XXXX and was referred to me by a close friend. After a month of researching this account he discovered the massive fraud that has been taking place in my Chase credit card account for years. The fraud dates as far back as XX/XX/XXXX. The charges are total for the 2 years are adding up to approximately {$76000.00}. Chase is working with XXXX XXXX who is representing me on my behalf and has met some resistance trying to get the fraud clear up with charges that are older than 6 months ago. Since I just re3cently discovered the fraud I fell that Chase Bank USA should credit me back of all the fraudulent charges from when they began till the day I shut down that credit card. I just want in a resolution the fraudulent charges that I paid for credited back to me in a timely manner. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
What has happened to me is that Im a victim of identity theft for the third time on my life. My automobile was stolen a couple years ago and it had some valuable information in it my drivers license, social security card, all in my wallet! Someone has used my credit to get a Capital One with a {$5000.00} limit I have submitted a Police Report, A letter from Consumer Affairs, A identity theft report!!! And XXXX they take it off one day and a month later they put it right back on I mean I dont understand they have all the paperwork and still nothing has happened! XXXX and XXXX has removed this account!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2021 I checked my credit report and there were a lot of fraudulent activities. I disputed the fraud accounts, and inquires on my credit report with Experian. I uploaded several documents as requested to provide proof the account was fraudulent and did not belongs to me. I even tried reaching out the company to provide proof it was not me who opened the fraud account. Experian is not up holding consumer rights and needs to be investigated for XXXX discrimination. The FCRA read section 609 Should not allow any incorrect, erroneous, inaccurate, or untrue on my credit report. I am very disappointed in the False and deceptive investigation Experian has provided.

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 2019-05-24
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had Discover Card and my Brother was suppose I pay from my Trust Fund to pay off this Credit Card and I found out he did not will back in XXXX of XXXX or XXXX I got my retirement benefits and I Paid off The Discover Card Thinking that they would let me used it again remember this is not fault anyway without checking my papers I think it was $ 6000- {$8000.00} I paid the whole thing off. And by the way I am only on SSA and I am a retired and XXXX woman that can not work and to sick to work anymore anyway make it short I paid them off hoping that they would of let me have my credit card back and I was informed today XXXX, that they will not do it if I know that I would not of paid it the Discover credit card but I would of went Bankruptcy of them and NOW I WISH I WOULD OF DISCOVER GIVES THEM NOTHING-I ONLY PAID THEM SO I CAN HAVE MY CREDIT CARD BACKnAND I ONLY NEED IT FOR MEDICAL IN NATURE LIKE MY MEDICINE MOSTLY AND MEDICAL XXXX  THINGS. I FEEL DISCOVER CARD DID A VERY BAD NUMBER- THEY SHOULD OF GAVE ME A SECOND CHANCE AND DISCOVER CARD PEOPLE ARE IN DANGER FROM XXXX THEMSELVES & And WHEN I TRIED TO Opening A NEW CREDIT CARD WITH THEM I THOUGHT THEY REALLY WOULD OF SINCE I PAID THEM IN FULL AND I DID NOT HAVE TO AND I WISH I DID NOT PAID THEM OFF AT ALL AND WENT BANKRUPTCY WITH DISCOVER CARD INSTEAD AND THAT HOW I FEEL LIKE THEY TOOK MY MONEY AND DID COMPLETELY NOTHING TO HELP ME AND I COULD OF USED THAT MONEY SOMEWHERE ELSE AND DISCOVER CARD WOULD OF GOT NOTHING AND THAT WHAT I SHOULD OF DONE TO DISCOVER CARD CORRUPT COMPANY PAID NOTHING ... I AM NOT RICH AND I DO HAVE A TRUST FUND BUT RIGHT NOW I CAN NOT GET ANY MONEY OUT OF IT I GUESS I NEED A ATTORNEY AND AGAIN I DO NOT HAVE ANY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: EQUIFAX, INC.
State: AK
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:
Credit reporting agency is reporting collection accounts that do not belong to me. They refuse to send me what they are using to validate this account. These collections are from supposed chargeoffs. However, there are no chargeoffs from the so called origional creditor on any credit report. How are they validating this???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I took a trip abroad, I came back home and I was charged with over 100 dollars in fees. I have had Amex for over 10 years and I have never had any issues like this in the past. 

I called customer service, asked to speak with a supervisor. The supervisor was " unavailable '' at the moment to speak with me in regards to these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: PNC Bank N.A.
State: DC
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:
PNC has been reported for attempting to open a credit card without permission. In early 2021, the company responded to the CFPB complaint assigning XXXX XXXX XXXX to the complaint. She responded with emails and calls till XX/XX/2021 and then suddenly I have not been able To get any response from her or managers. 

The issues were : Opening a credit card, application to the 2nd draw of PPP loans after receiving the 1st draw and timely mortgage payments made during Covid which were not being tracked by the bank :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: AMERICAN HONDA FINANCE CORP
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: Problem with personal statement of dispute

Complaint:
This is a formal complaint against American Honda located in XXXX, Georgia. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, American Honda has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I and my wife have a collection account ( reported by XXXX XXXX XXXX - XXXX ) in our Equifax Credit report that we have disputed as incorrect. This letter is to establish the facts with the supporting documents and request CFPBs help for the removal of the collection account from our Credit reports. 

We stayed at the XXXX at XXXX XXXX XXXX  at XXXX, MA for around a year until XX/XX/2017. Throughout our stay, there were many maintenance issues and the management did not fix many of them. The reason given was - non-availability of contractors, could not be fixed and they don't want to spend on a unit that they are planning to renovate completely. We repeatedly complained and moved out since it was not bearable. The apartment management agreed for an early release ( 15 days before lease end period ) and the move-out notice clearly states that we are moving out due to maintenance issues. 

We have attached the following documents that prove the above-mentioned facts Move-Out-Notice : Clearly stating the apartment management agreeing to allow us to move our earlier than the lease end period since the maintenance issue can not be fixed e-mail correspondence with apartment management that mentions the maintenance issues and the fact that they were not fixing. 

Move-Out statement : To show that the amount demanded by the apartment management and the collection agency ( XXXX ) is not the same. 

The apartment management sent a demand notice claiming the unresolved maintenance issues as damages and the rent until end of notice period ( Total amount {$1500.00} ). We responded thru our attorney with the above facts for the demand notice sent by the apartment management. However, the apartment management did not respond and transferred our account to collection agency XXXX, who have reported the collection account to Credit bureaus. 

We disputed with Equifax credit bureau and they sided with XXXX and refused to remove the collection account since XXXX informed them that we need to pay. 

The collection agency XXXX did not go the legal route and opted to damage our credit report presumably because of the strong evidence we have against the apartment management. The demand letter from XXXX also increased the amount ( {$2200.00} ).  XXXX did not accept any reasonable resolution in our interaction with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX phone number XXXX has called my adult children multiple times, they also called an elderly neighbor but they have not called me. They have also called my daughters number asking for another person regarding me. My daughter has not lived a my address for 10 years and my son has never lived at my address. When I called the number left on my daughters voice mail with the reference number they would not tell me why they are trying to contact me unless I give them my SSN. Four years ago someone filed an income return with my SSN and it cost me a lot of money to get it resolved so unless I know the company and the exact reason I will not give my number out. Since I called XXXX XXXX XXXX they have continued to call my children and people I have no association with other than we live on the same street. I  have not received mail from them explaining why they are looking for me. The phone calls are multiple times during the day and everyday.

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 2020-05-01
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to I.C systems when this debt for XXXX dollars appeared on my credit report. I asked them to provide me when a signed original contract from XXXX and they have not responded. I disputed this through XXXX and nothing was done. I have not received the validity of this debt that I requested from the I.C systems Inc I requested.

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft & I have a police report & identity theft report on file with all credit bureaus. This account does not belong to me. I would life this negative account removed & deleted from my credit file. Please refer to : Identity theft report # XXXX Police Report # : XXXX Police Report # : 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 2019-10-07
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been calling and complaining about 6 inquiries on my credit report that XXXX  is reporting : As a last resort since they were not listening to me I filed disputes online. My Dispute # XXXX. 
These same inquires were shown on the other 2 bureaus as well they investigated and then removed. I have reached out to each individual company with no answers or voicemail with no return call. I have reached back out to XXXX  to let them know my findings. They told me the only way I will get removed is to wait until they fall off my credit report. This is unacceptable for me I can't wait until the middle of 2020 to remove something that does not belong to me. Also, it is affecting my credit and trying to apply for a job is hard when you have these kinds of thing bringing your scores down.

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 2017-11-20
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 information incorrect

Complaint:
I am writing to dispute the following information in my file. I am disputing the following items : 1. XXXX pulls XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate because they are duplicative. I only authorized 1 pull on my credit report.
2. 2 XXXX late payment marks are duplicative- they represent the same payment/lender agreement.

Company response to consumer: Closed with explanation