BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: HireRight Solutions, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been denied employment by a very credible trucking co. Because of an adverse report by HireRight . I am at retirement age,, this is destroying my life. I am communicating with HireRight,, And reached out to XXXX. 'XXXX  XXXX XXXX XXXX ',  XXXX XXXX XXXX , Utah . But XXXX XXXX is now XXXX. I have explained to HireRight ' that their report is incorrect. All of which can be proven by XXXX XXXX XXXX. Where I was instructed to break Federal rules and Laws. All of this was deleted in XX/XX/ when I worked for XXXX XXXX for 5mo. Whereby I resigned. But is now reposted by HireRight and my personal information for sale. I am in contact with my State Representative XXXX XXXX, XXXX. MN. I also contacted MN. Labor Dept. All of this has led to nothing being done. My entire life is being destroyed by a simple totally false accusation and report by HireRight.. Thank You for your time and attention to this,, Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
TransUnion is a mess. I placed a dispute on XX/XX/2020 and received notification from TransUnion this a.m., XX/XX/2020, that the results were in and to log into account to receive them. The results can not be accessed online due to a glitch in the system, and was informed to call the web tech for assistance. The person I spoke with on the phone did not speak clear English and was only able to pull up an old credit report where I still could not see the results of my disputes. There are two disputes, and I do not ever remember getting a notice that the  first dispute back in XX/XX/2020 was complete. The company is in dire need of oversight.

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 2021-08-10
Company: SYNCHRONY FINANCIAL
State: CO
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 a late payment showing on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

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 2020-05-22
Company: ERC
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: Their investigation did not fix an error on your report

Complaint:
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.

The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item 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.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. 
Transunion : XXXX XXXX /XXXX XXXX  XXXX XXXX. XXXX : XXXX Transunion : XXXX .XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Transunion 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 2018-10-02
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Senior on fix income being charged to much interest, were it keep you paying longer, trying to pay credit card off ...

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 2020-10-17
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: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to my investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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: CNG 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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:
I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX account that appears on my credit report.. This account is inaccurate, old/time expired. 


I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX account that appears on my credit report.. This account is inaccurate, old/time expired. 

I am requesting, under the provisions of the FCRA 15 USC section 1681i, that you investigate the XXXX XXXX XXXX  account that appears on my credit report.. This account is inaccurate, old/time expired.

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: Experian Information Solutions Inc.
State: TX
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:
experian XXXX  XXXX  will not give 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 2019-05-29
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Chase I'm filing a complaint After disputing with all three reporting company 12 times and they are not fixing my problem so I have started lawsuits on all three so now I'm disputing direct with you I found a lot of FCRA violation on account XXXX first violation is fcra 623 & 806 B you are not entering the consumer dispute marks on none of the reports after you have verified this account The law states that a creditor must Must enter this information because it CAN NOT REPORT ON THE CONSUMER REPORT. this is a violation of the FCRA you could be sued {$1000.00} per bureau. violation number two you stated that this account has been closed but you are still reporting a monthly payment this is also a violation of the FCRA another {$1000.00} per bureau. so please delete this account asap due to the violation of the fcra The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. chase DO NOT TAKE THIS AS A THREAT BUT I'm sick of dealing with the credit reporting company I'm taking action one down and two more court dates coming up here very soon

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: EQUIFAX, 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:
My complaint is against Equifax and their failure to adhere to Federal guidelines regarding the accurate and fair reporting of collection attempts and credit related information. Their failure to adhere to Federal guidelines has caused me great harm, preventing me from purchasing a home. I received a collection notice attempt an attorney ( see document packet attachment ). I responded to the collection attempt asking for proof. The document furnished to me by the attorneys office as proof of debt ownership had been altered. Their document omitted the critical " lease end '' dates that will show our lease was month to month and we had submitted a " Notice to Vacate '' 30 days prior to moving-fulfilling our lease requirements of a " 20 day notice to vacate ''. This would have proven our claim that the debt is malicious, false and illegal. I have included a packet of the entire correspondence. I sent a similar packet contesting the validity and legality of the collection to all three credit bureaus. After a full investigation into my claims both XXXX and XXXX credit bureaus have removed the XXXX XXXX collection and the XXXX XXXX collections from my credit profiles. Both of my XXXX and XXXX credit profiles are CLEAR of ANY collections, yet Equifax illegally retains false, and in the case of the XXXX XXXX debt collections, illegal collection attempts. Please note that Washington State and Congress ruled it illegal for insurance companies to blind side and bill patients for " out-of-network '' doctor bills/fees. This is the case with the XXXX XXXX collection attempts over the years. Equifax refuses to acknowledge these false debts and remove them, where as the other credit bureaus have. Again, I have included a packet of all relevant documents proving my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Every time I tried to open a checking accounts it automatically declines and sends them to XXXX XXXX XXXX but they don't resolve nothing and I want to know why is this happening and what can I do from my part to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted each credit bureau to have inaccurate credit inquiries removed and they refused.

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 2019-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On or about XX/XX/2019 I received a court summons for suit. In the suit it out lines third party debt collector submitted a claim with the XXXX County Civil Courts on or about XX/XX/2019. On the XXXX of XXXX was the first contact and knowledge of any debt Portfolio Recovery was trying to collect. I answered the summons with a request for discovery on XX/XX/2019. The next response I received from this company was XX/XX/2019 two months later. I entered into no legally binding contract with this company and the documents yhey finally sent me are unauthenticated documents that look as if the are doctored and forged. I never enteted into a contract with this company nor have they followed the laws outlined in the Fair Debt Collections Practice Act. I feel as if this company is trying to harass, bully, and  extort money from me for a non binding debt that Portfolio Recovery never notified me about in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Received letter from XXXX dated XXXX XX/XX/2021 saying they denied an application for a XXXX XXXX credit card that I never applied for. I have called them 5 times to speak to their security/fraud team, have waited on hold for over 30 minutes every time and in one case over an hour, and have yet to get to anyone in their security team to dispute the application. I've told their customer service people about how that extension ( to their security service ) is a dead link, but there is no other contact phone number for them, and their online form you can fill out in case of fraud ( https : XXXX XXXX ) requires an active XXXX account ( which I don't have ). 

I need help getting this hard credit pull off of 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 2018-04-04
Company: JPMORGAN CHASE & CO.
State: AZ
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 have a credit card ( XXXX ) with Chase bank. For more than 7 years I have been charged a " overdraft fee '' of almost {$200.00} a month. I have asked Chase on several occasions to provide the date, the amount, and origination of the overdraft without success ( most recently via telephone week of XX/XX/XXXX & via email XX/XX/XXXX ). I have been told the entire monthly payment has been to service the fee. I rarely use the credit card, until recently and want to take advantage of its offering. I AS of XXXX I am now being told that I must fax or write the request ... I am getting the run around so they can continue to charge me this fee. I have several issues with the situation : 1. The inability and unwillingness to provide what I have requested ; 2. The amount over the years is significant ; 3. The overdraft % rate is something like 23 %, paid greater than 7 years is predatory. I am desperate to have some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
My friend from out of USA contacted me to collect some amount from His client in USA, who gave him a Job via internet but can not transfer money to him ( it was an advance payment ). 
The client offered him the payment via check and my friend asked me to collect the same. 
I got the check and i gave that to the bank and waited for 4 days and bank confirmed that some amount will be available in the first day itself. 
Meanwhile the Client asked me to transfer {$2700.00} to another consultant here since it is not meant for my friend. I dont wanted to do this and do not wanted his money also, then he asked me to transfer it back through XXXX money transfer so i transferred it to him via XXXX through my bank. I did it for {$1500.00} and then realized that the check was not valid and I lost the money I transferred. 

The person contacted me via XXXX ( XXXX ) XXXX ( XXXX ) and also he has name as XXXX XXXX and the XXXX id/phone number he gave me is XXXX the bank code was XXXX The fraud check has the bank name - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX please let me know if you need more information thanks.

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