BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2018 XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-12-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is a follow on to compaint # XXXX since I have not had a satisfactory end to my original complaint which started back in XXXX. Today is XX/XX/XXXX and back on XX/XX/XXXX, I provided the requested documents to have my mother 's Citizens bank accounts ( checking and savings ) closed and a check sent to me. I have had heard nothing back and have no idea why it's taking so long to resolve this issue. I need help to complete this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX U S DEPT OF EDXXXX XXXX {$2100.00} XXXX XXXX XXXX Balance {$870.00} DEPT OF ED XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onFeb XXXX, XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX 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 2018-09-21
Company: EQUIFAX, 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:
I am going over my credit report and I see that my information is either inaccurate or old dated. 
My name is XXXX XXXX XXXX I am XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
My DOB  XXXX SS XXXX MY only address is XXXX XXXX XXXX XXXX XXXX, OH   XXXX PHONE NUMBER XXXX THE FOLLOW ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE A HARD INQUIRES ON MY CREDIT REPORT THAT ARE UNAUTHORIZED I NEVER DONE ANY BUSINEES WITH XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE THEM THEY ARE NOT AUTHORIZED. I WOULD LIKE TO BE OPTED OUT OF ALL PROMOTIONAL CREDIT CARD ADD AND INSURANCE PROMOS. THERE IS A ACCOUNT SHOWING ON MY CREDIT XXXX XXXX XXXX XXXX XXXX****. THIS ACCOUNT WAS NEVER IN COLLECTION AND HAS ALWAYS BEEN PAID IN FULL, NOT SURE HOW OR WHY IT IS ON MY CREDIT REPORT PLEASE DELETE THIS ERROR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 called transunion at XXXX XXXX  on XX/XX/XXXX and requested 15 inquiries be deleted from my credit report and they refused to delete them. All 15 of these inquiries are not mine. I want all 15 these inquiries listed inside an attachment here to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: JPMORGAN CHASE & CO.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received an automated call from an undisclosed company asking me to call back. I called, and was advised that there has been a complaint filed against me by my creditor. I was informed that I was going to be taken to court if I did not agree to pay a settlement offer at the time of the phone call. I was told I would be sued for Breach of Contract as well as An Attempt to Defraud a Financial Institution. The caller never disclosed that this call was " an attempt to collect a debt '' and further advised " you have been officially notified. '' I asked who he represented, to which he replied he represented a company called " XXXX XXXX XXXX '' and that his company was retained by Chase to pursue this matter. I asked him to allow me to contact Chase to determine the validity of the debt. He advised that if I do n't accept this settlement offer now, he would mark my paperwork with " refused to pay '' and would " push '' it through the system. I requested again the opportunity to contact the " original creditor '' to which he replied, " Do n't worry, we will find you. '' I hung up the phone at this time and called Chase immediately. Chase advised me that there is an old account that they no longer own and do not have any information on the account. Chase assured me they would not have hired any company to call and tell me that I was being taken to court as they no longer own the debt. Chase advised that I have no further dealings with them regarding this old debt that they sold in XXXX ( 8 years ago ). The man for XXXX XXXX XXXX also advised that they will be filing a garnishment on my social security number and assured me they would get their money. The calling automated number was form Alaska : XXXX and I was provide a file number that I will be happy to provide upon request. The date and time of this call was XXXX am MT and the return call was at XXXX XXXX MT on XXXX XXXX, XXXX. The amount advised was {$2800.00} with a settlement offer of {$990.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
Errors and inaccurate information on my credit report I sent in letters to correct and remove inaccurate information but they still reporting inaccurate information

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 2021-08-10
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Debt or credit management
Sub-product: Mortgage modification or foreclosure avoidance
Issue: Problem with customer service

Complaint:
Attempted to pay on my mortgage loan this month of XX/XX/2023 but have not been able to. After further review as to why all areas to my account was not accessible I found out that lake view loan services was down due to XXXXXXXX and continues to be shut down. I was never informed via email to better keep personal information secured. XXXX has a responsibility to its clients to immediately notify them of any security breach. I should have been notified in case our banking information, SS #, or any other PII was leaked.

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 2023-03-21
Company: Experian Information Solutions Inc.
State: NC
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2019-05-26
Company: Midwest Recovery Systems
State: PA
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 dont have exact dates but this collection company showed up on my credit report ( Midwest Recovery for {$180.00} ) had contacted them and they wanted my SS # to talk with me and I refused. They claim {$180.00} is from a medical bill from XXXX XXXX I never was there!! they did say it was for a XXXX XXXX, but not mine. I tried several attempts with XXXX to get this resolved but they are a joke..But XX/XX/10 of this year had to go for XXXX  for my XXXX  and the XXXX office ( XXXX   XXXX XXXX XXXX XXXX XXXX ) had my info. in computer as XXXX XXXX. XXXX XXXX, wrong phone # etc ... NEVER lived there, I gave current address of XXXX XXXX XXXX XXXX Pa. XXXX to XXXX. visit and they claim they had the wrong person as me.. This is not fair that companies can pit a claim or hard hit against my credit report even when I have a lock on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is the second time disputing an item on my credit that was not verified or accurate. I have given sufficient evidence that the bankruptcy court states that they do not furnish any data anyone or any credit bureaus. I recently put a security freeze on my XXXX report and submitted another dispute letter. Trans Union responded with the item was verified. That was a blatant lie. The couldn't have verified it with XXXX because the was a security freeze on my file/report. Who did they so-call verify the the items with? 

Attachments : Letter from Bankruptcy Court Disputed Letter Proof of Receipt of Letter Response From Trans Union XXXX Security Freeze Letter

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 2022-12-09
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as 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 2022-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have pulled my report and there is an account reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on this account. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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: Account status incorrect

Complaint:
XXXX XXXX this account is not transferred, the account is current and have a good payment history, fix this, XXXX XXXX XXXXXXXX XXXX -- not 30 days late on XX/XX/XXXX, this is incorrect, XXXX XXXX XXXX - not 30 days late on XX/XX/XXXX, XXXX XXXX   XXXX - not 30 days late on my XXXX and Transunion credit report, XXXX not late on XX/XX/XXXX, XXXX XXXX -- not 30 days late on XX/XX/XXXX on my Transunion and XXXX credit report , not 30 days late on XX/XX/XXXX on XXXX, XXXX XXXX XXXX - I am an only an authorized user on this account and I have nothing to do with the late payments on Transunion and XXXX, Please remove these late payments, they are totally incorrect ... This is why I am filing this complaint, step up CFPB and reverse the late payments

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 2020-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card was fraudulently opened in my name around XX/XX/2016 and charged up to XXXX. I was not made aware until I checked my XXXX credit report due to the credit breach. I notified the current account owner CAPITAL ONE BANK N.A. who received my police report and agreed to delete the account from my credit profiles. The account was later sold to XXXX XXXX XXXX, XXXX who then began re-reporting the account. I have been harassed for over two years by this company who keeps giving me conflicting information. Due to my information being apart of the data breach XXXX  has recently removed the collection but XXXX XXXX is still reporting to the other bureaus and refuse to remove all account history no matter what. I would like this to be resolved before I am forced to proceed with legal action due to the negative affect this has caused in my home purchasing process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2023 I notice my interest rate on my American Express Blue Cash Card had increased significantly on my current statement. I called American Express to inquire and the representative told me they notified me of changes to my terms and conditions on my statement that ended in XXXX. I do not look at my statements every month so I had no idea this change took place. American express completely changed my terms and conditions for no apparent reason. The reason they gave me is not valid unless I did not adhere to the terms of the original contract, which I did. I have not been late on payments, and my credit is the same as when I applied. I actually just opened another credit account with excellent terms. I should not get unfavorable terms because I would have under current card offers they are offering. This is egregious and predatory. I have never had a credit card company do this to me and I have had established credit over XXXX years. I currently have other credit cards in outstanding condition. Changes of this magnitude should not have been hidden conspicuously at the very bottom of a statement. I should have received a separate correspondence. This is not right and I need this rectified immediately. I have been trying to pay this card off and its like they keep going up on my interest preventing me in doing just that. This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Orion Portfolio Services, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is this account on my credit report from this company called ORIN PORTFOLIO SERVICES , LLC, there is also a different name which is XXXX XXXX XXXX XXXX XXXX. I have disputed this account with the credit bureaus and this dispute always results in the account being validated. This company claims that I owed some bank {$600.00}, and they are offering me to take off some amount of money if I pay them {$540.00}. First thing is that I have never heard of these two companies and I dont have any agreement with them saying that I have an obligation to pay them, I have two different letters from two different collection companies telling me that they own this account, which makes me think about who these people are. How can two different companies owe the same account at the same time? and as I was reading the letter from ORIN PORTFOLIO SERVICES, it says that they were hired by their own company to collect this debt, the other company that tells me that they own this account is called XXXX XXXX. If these companies are claiming that I owe them money then I want them to provide me with the original contract bearing my signature, I dont want a copy, I wont accept any copies of account statements or an itemized piece of paper because this is not enough to validate this debt. The FCRA says that a creditor or collection company must provide the consumer with the original contract signed in wet ink by the consumer in order to validate a debt. Like I said, I have never had an account with any of these companies and I am not paying a single dime until this account is validated the correct way. If this account cant be validated in the allowed time by law which is 30 days, then I want this account deleted from my credit report, I want these companies to send request to all the credit reporting agencies that they report to, to delete this account from my credit report immediately. I also sent a dispute letter to the original creditor of this account and they havent responded to my request for validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Everi Payments Inc.
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:
The company involved XXXX XXXX XXXX XXXX located at XXXX XXXXMy main complaint is cash withdrawal fees.The fee that was supposedly charged was {$4.00} but when I got my statement on XX/XX/XXXX & XXXX XXXX the charged me extra fees of {$2.00} five times for each withdrawal. I made 3 withdrawal which come out to {$35.00} extra charged without me making a balance inquiry 15 times.I contacted my bank but he are unable to reverse charges.Everi is the name of the ATM machine which is run by XXXX XXXXI think this ATM exist in all casinos in Oklahoma, Louisiana & Mississippi.I did try to contact the company online but never got any response.This charges never existed before but I was wondering if it is common business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: NC
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 want to inform the credit bureaus AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 response to consumer: Closed with explanation