BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-23
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: Account status incorrect

Complaint:
XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but XXXX XXXXXXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on XXXX and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX  XXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.

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 2021-05-21
Company: EQUIFAX, INC.
State: NC
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:
Hey hope you guys can help me in this matter. There were a couple inquiries I noticed on my credit report today that are fraud. I never gave these companies my personal information to run my credit report. They are in violation of the Fair Credit Reporting Act 15 USC Section 1681 for unlawfully obtaining my credit report. I never gave them permission these are FRAUD. I noticed my scores have also tremendously dropped due to these companies non compliance. I tried calling and sent letters and nothing was resolved I have no other choice but to submit a complaint on my end. I also attached an identitytheft report because these are not mine. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but XXXX XXXXXXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on Transunion and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX XXXXXXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.

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 2021-01-24
Company: JPMORGAN CHASE & CO.
State: OR
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020 and XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Will Portfolio Recovery Associates , LLC remove the account from my credit reports after it has been resolved? 
Your account will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately XXXX  days of your final payment successfully posting, we will request that the credit reporting agencies delete our tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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 was made aware of several accounts reflecting badly on my credit today XXXX when I was turned down from getting a personal loan at XXXX. I had no idea these accounts were on my credit because I did not open them and I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts that were opened in my name such as money, goods, services or any other benefit nor did I take part in any payments made towards these accounts. I do not have any written/verbal contract with any of these companies and I never allowed them to access my credit information. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C. 1681 Section 602 A - States I have rights to my privacy 15 U.S.C. 1681 Section 604 A ( 2 ) - Further states a consumer reporting agency can not furnish my account without my written consent or written instructions.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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 status incorrect

Complaint:
I am disputing an account that is being reported on my credit report as wrong information. I contacted XXXX and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can XXXX verified if the address is wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received phone call from Southern Management Systems on XX/XX/XXXX attempting to collect over {$600.00} based on a lease I guaranteed for my daughter which ended on XX/XX/XXXX. I requested they send me detailed information about the debt including copies of all invoices and charges. I disputed the debt with them, I have not received any further followup from them explaining the nature of the debt. 

If they amount owed is valid, they should have contacted me prior to 9 months. They have already reported it as a bad debt to credit reporting bureaus, yet I still have not received any further information about the debt. I contacted them to follow up on the dispute on XX/XX/XXXX, they could not tell me the status of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Avant Credit Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2018 after loan offered by Avant, Inc . I filed an electronic application. 
I selected their offer available in their website for a loan of XXXX with a repayment plan of 24 months. 
On XX/XX/XXXX they sent me the contract documents ready for me to sign, however, instead of 24 month payment plan, they wrote the contract for 48 months claiming the 24 month was no longer available in my state??? If their website had such offer, they will have to honor it. I phoned twice and spoke to two different supervisors who will not approve the contract as originally offered. ( 24 months ) Today XX/XX/XXXX. I called their office as they requested me to do, and this time they came up with a new offer never requested before by me? Avant is willing to lend me {$7500.00} with a repayment plan of 36 months? I never requested this amount or terms. 
I am hereby demanding the original request of XXXX to be contracted for the 24 month originally offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Once again Im not liable for this debt that you say I owe, You have not showed a direct contract with the financial intitution that says you are authorized to collect for them you are just showing that you bought a debt this does not makes me liable to a third party company this is not a contract. This was a charged off account and is considered income and income can not be reported in a credit report because it turned to a certificate of indebtness. So let me know if they comitted securities fraud or you are violating my rights under 15 usc 1681b because i have never authorized you to furnish your tradeline to my credit report also you dont meet any circumstances to furnish information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account was hacked into, this the 3rd time in 3 months this has happened. Someone hacked into my account XXXX and transferred {$1200.00} to themselves. I have never transferred any money to any member and did not give permission. I am XXXX XXXX XXXX  and need my money. This is federal money from social security that gets deposited into my account and chime has allowed my account to be hacked into 3 times already. Ive changed my password and ask for legal department so that I can file a lawsuit they refuse to give me legal department info. I want my account refunded for {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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:
I am disputing an account that is being reported on my credit report as wrong information. I contacted XXXX and they told me to contact the creditor. I used the address on the credit report and the letter came back to me as the wrong address. How can XXXX verified if the address is wrong?

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 2020-07-10
Company: Experian Information Solutions 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:
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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 2023-02-12
Company: Experian Information Solutions Inc.
State: MO
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : 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 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
To : Consumer Financial Protection Bureau, Re : Wire Transfer recall with Capital One Reference number XXXX Transaction number XXXX This is XXXX XXXX ; I purchased a custom diamonds AP Two-tone bracelet for XXXX XXXX trade for dial from XXXX on XX/XX/2023. I am a XXXX XXXX XXXX member with an account of TOTAL CHECKING ending ( ... XXXX ). I sent the wire transfer of {$8000.00} to the recipient 's Bank, Capital One, with account number ending ( ... XXXX ). On XX/XX/XXXX, I was advised by the recipient that it was no longer a Capital One Bank member ; therefore, I called XXXX, and I was informed by customer service to recall the Wire transfer. It has been about 15 days already ; I am still waiting to receive the funds back. The recipient has called XXXX various times and was told there was no deposited wire transfer for {$8000.00} on XX/XX/2023. I called XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX, and the only update I received was on XX/XX/XXXX when Capital one inquired with XXXX if the diamonds were polished or rough. On the same day, I informed XXXX that the diamonds were polished and sent that information to Capital One ; since then, we have not had an update regarding the wire recall. On XX/XX/XXXX, The recipient and I did a three-way call with the Capital One Wire transfer department to inquire about the status of the funds, and we were informed that Capital One does not have the funds. The recipient and I mutually agreed that the funds to be recalled to my account ending with XXXX. 

Please feel free to request any additional information. Please, address at your earliest convenience. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I submitted a dispute to XXXX, XXXX and Experian in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.

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 2023-02-12
Company: Experian Information Solutions Inc.
State: DE
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section A 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in a paragraph the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-11-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item online at XXXX XXXX on XX/XX/XXXX. The item was a gaming PC that costed {$1700.00}. I checked the tracking number one day and it was marked as delivered, but I did not receive it. I called XXXX XXXX  about it looking for them to resolve it and they did not help. They told me it was out of their hands. The item was signed by someone that I do not know and I told them that. They also told me it was delivered to the house 4 houses down on the street that I live. And I do not live 4 houses down my street. They still refused to help me. I called my bank Chase to help. 3 months later on XX/XX/XXXX, I was told that my dispute was denied and that my bank can not help me.

Company response to consumer: Closed with monetary relief