BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-23
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2018 Equifax received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX  # XXXX, # .3XXXX XXXX XXXX  XXXX XXXX, 4. XXXX XXXX XXXX  # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX  XXXX # XXXX, 8.XXXX XXXX  # XXXX, 9. XXXX XXXX # XXXX Also account listed as XXXX XXXX XXXX  # XXXX, late payment dispute was never verified with proper 100 % accurate verification. 
More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: EQUIFAX, INC.
State: TN
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:
We requested the local XXXX dealership to contact XXXX XXXX to see if we qualified for a loan. We stated we only wanted one inquiry on our reports and they claimed they only pulled a soft inquiry at the dealership. When I showed them that each of our reports had hard inquiries on them, they apologized and tried to have each credit bureau remove them. They suggested that I take this route to file a complaint to achieve this goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased a {$200.00} gift card with a debit XXXX  logo. I tried to register the card, check the balance on the card, make an online purchase with the card and use the card a debit card. Nothing works. I tried going to the website listed on the card and it is not accepting the number. The store I purchased it from will not refund my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX XXXX every other month I get email saying student loan increased and lowers my score I email them about and ask them how did it increase if there a hold on payment and interest because covid 19 they told me that whats being reported I called XXXX they told me its false somebody playing with and I drop points for it I emailed XXXX  didnt get anywhere

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 2018-06-23
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was contacted by the collection agency NRA regrading a debt they told me I had. The lady explained this was for an unpaid tax which made no sense to me since I am under the Military Spouce Residency Relief Act and my main residence is Florida so I do not have to pay any taxes. But she kept with the pushing and using the typical collections as to scare me and try to get me to pay something that made no sense. I spoke with my sister who has a career in collections/compliance and I allowed her to get information regarding this debt as I did not want to speak with the extremely rude and unprofessional individual, XXXX XXXX. My sister called NRA on XX/XX/2018 and gave my phone number to locate the account. She was quickly transfered to another department ( never verified who was on the phone ). Once transfered it was the same lady I had spoken to at an earlier time. My sister informed me she was rude and could have spoken in a different manner as far as professionalism. Not once during the 20 minute call did she ask is this was XXXX, or verify in any other way. The only information was that a women on the phone that had my number to locate the account in the office to get information on the account. My sister was able to obtain all of the information on the account and was in complete shock that they never verified. NOT EVEN MY NAME! At the end of the call she asked to be transfered to the manager and the agent said " are you trying to catch me in something '' and she stated to just transfer to the manager. The manager got on the line and started to speak on the account and then I informed the manager that the rep not once verified who was on the phone. She then realized that she ( the manager ) should verify and FINALLY asked if I was XXXX XXXX. NOPE she was not XXXX XXXX and told the manager that a CFPB and XXXX  complaint will be filed due to giving out all account information to a third party without verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Information belongs to someone else

Complaint:
Dear XXXX Equifax Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have reasons to believe that Chase bank took advantage my of inexperience in obtaining credit cards.

I own a small construction company, and when I received a credit card offer for my company from Chase, filled it out unaware that just by signing the application, I was giving my personal guarantee. Usually, when a creditor requires a personal guarantee for a business account there is a separate perfectly visible paragraph with an additional signature. Chase intentionally obscured personal guarantee consequences in the fine print.

Only now I found out that in the fine print at the bottom of the credit application there was a mention that my signature personally guarantees the account. I wouldnt have signed it if I have been aware of this.

I never realized that Chase has done this until my company started having troubles and then my personal credit score started to go dawn. At that point I checked my personal credit report and discovered that it was going down because Chase decided to report our corporate account to my personal credit report.

Since Chase bank was not straight forward concerning personal guarantees in the application process, I believe they exploited me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted numerous complaints about my accounts being inaccurate but they tell me they received accurate information that I'm responsible for these accounts but didn't furnish me with any documentation I'm responsible. I'm requesting all three bureaus show me proof of ownership to these accounts. Disputed these accounts last year of 2018. These accounts are, XXXX XXXX account # XXXX  Experian & XXXX # XXXX XXXX   XXXX XXXX account # XXXX  XXXX & Experian & 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 2018-08-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX HAVE INSERTED A COLLECTION ACCOUNT IN THE AMOUNT OF {$390.00} AS OF XX/XX/2018. THIS ACCOUNT DOES NOT BELONG TO ME AND IS A RESULT OF IDENTITY THEFT. XXXX IS REPRESENTING XXXX XXXX XXXX   WHO IVE NEVER HAD ANY OBILIGATION TO PAY NOR HAVE I EVER HAD ANY DEALING WITH XXXX OR WITH XXXX XXXX XXXX SO HOW IN THE HECK COULD I POSSIBLE OWE EITHER ANY MONIES. I HAVE NEVER HEARD OF EITHER COMPANY UNTIL MY REPORT WAS REVIEWED. XXXX NEVER EVEN SENT A NOTICE TO LET ME KNOW THAT THIS ACCOUNT WAS BEING INSERTED INTO MY CREDIT FILE OR LET ME KNOW THAT I HAD A RIGHT TO DISPUTE BEFORE IT WAS INSERTED. XXXX HAS VIOLATED THE LAW. I HAVE NEVER EVEN SIGNED ANY FORMS TO RELEASE ANY MEDICAL INFORMATION TO ANY COMPANY AS THIS IS NOW A VIOLATION OF HIPPA. XXXX HAS NOT SIGNED CONTRACT OR LEGAL DOCUMENT BEARING MY SIGNATURE THAT THIS ACCOUNT IS MINE.

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 2021-06-08
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Hello My name is XXXX XXXX. I've been urgently seeking to get my credit report to look identical across the bureaus. The only accurate snapshot of my total accounts and balances are on XXXX, which I will provide. I reached out to Experian and XXXX as a result nothing was done.

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 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, addresses nor did I authorize these companies to run my credit. Please remove them.

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 2020-08-24
Company: EQUIFAX, INC.
State: MN
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 following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX, XX/XX/2020, the credit inquiry is fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Aldous & Associates, PLLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The first week of XXXX, we got a collection notice from Aldous and Associates, for {$220.00}. We did not know what this was for, it said an agreement with XXXX  XXXX XXXX. The only company we know of named " XXXX  '' is XXXX XXXX, which we had a month to month agreement with, which was paid for by a debit card. In contacting Aldous and Associates today, XX/XX/2018, they said it was XXXX  XXXX, and that we owed this money, even though it was month-to-month because we had not actively canceled the membership, and that if we did not pay by the end of the month they would report this to the credit agencies, which would hurt our score. My wife paid this bill even though it should not be owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Montgomery County Credit Bureau
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am a victim of identity theft. Im XXXX  all on my credit due to this. I need help and its hard because Im very sick and unable to do this alone.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-07
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis ( LN ) violated my rights. I requested a investigation LN retrieved the request and communicated my request to the three credit bureaus. The credit bureaus did not respond. LN did not receive a response in 30 days. LN sent a letter regarding no response. FCRA states that if no response in 30 days LN must delete. LN violated my rights and did not delete the information after 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2018 total of {$430.00} which was included in a bankruptcy. I do not owe this dell debt. Once applied to credit it affect my credit score with a decrease off 100 points. This is not my mistake and I want it removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
report in accurate information says i had late payments XXXX and XXXX of XXXX & a repo in XXXX of XXXX. This is incorrect and wrong If you can see on my bank statements i have paid for XXXX in the XXXX statement I paid $ XXXX on XX/XX/XXXX and I paid $ XXXX, for XXXX on the XXXX of XXXX and XXXX i paid for that on the XXXX of XX/XX/XXXX I paid $ 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 2018-06-22
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with US Bank on XX/XX/XXXX. The account was abruptly closed by the bank, without notice, sometime between XX/XX/XXXX and XX/XX/XXXX. 

I was provided with no notice of the bank 's actions in a timely manner, and had to call the bank in order to receive an explanation. The explanation I was given was a reference to a clause in the banking agreement that stated that the bank could " close the account for any reason, or no reason at all. '' I find it abhorrent that a bank can take such a decision, without providing notice to a customer. I had already set up a direct deposit with my employer, who was going to make a payment in the next week. Had I had not been alerted to the account 's closure by my own enquiries, this could have caused a problem with my pay, affecting my ability to service bills and debts. 

The bank should reflect on its procedures and not subject customers, acting in good faith by depositing money with the institution, to this kind of treatment that can have damaging effects. In my case, I was a proactive customer who was minimally impacted but the bank and the regulators should be concerned by the potential damaging effects that this kind of bank behavior can have on its customers.

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2021-06-08
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX Spoke with credit bureaus

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