BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: IL
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:
Equifax violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave Equifax Information Services LLC any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
For more than a month, I have been receiving multiple ( more than 11 in one day ) phone calls almost every day from various phone numbers at all hours of the day ( XXXX XXXX to XXXX XXXX  ). Initially when I answered these calls I explained to them that I do not owe XXXX   XXXX any money and that in fact, as I have sent them notification and documentation, they owe me money. They leave recorded messages asking for my attorneys name saying it is urgent before legal action is taken. They have now starting calling and harassing my family members. When I've asked to speak to a supervisor or for them to send some type of written communication, they refuse and hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is Fraud and, I would like to report this. Something needs to be done about this i did not give anyone consent to open any Accounts using My personal Information. This Fraud needs to stop in Florida this is very stressful

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 2021-07-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have attached a letter from XXXX XXXX stating that the account should have been removed. The account still reflects on my credit file even after dispute. I received this letter dated XX/XX/2021. I now question what is being investigated because this should have been handled upon receipt. Who are you interviewing and investigating when the consumer disputes accounts and other information being furnished in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CITIBANK, N.A.
State: IA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking and savings account package in response to Citibank 's bonus promotion. The promotion was open a checking and saving accounts package, deposit at least {$15000.00} into the combined accounts, keep it for at least 60 days. Then within 90 days after meeting requirements, {$400.00} bonus will post to my account. 

I opened the accounts and deposit XXXX on XX/XX/18. The XXXX had to remain for 60 days until XX/XX/18 but I kept it there until now. Now 90 days after XX/XX/18 and I've not received the bonus as promised. I chatted with the Citibank agent and he didn't know about the promotion. I told him to XXXX it since the promotion is still on going until XX/XX/2018. I then called a different agent and he said he will investigate. 

Checking online, many people are having this problem that Citibank promised the bonus but doesn't deliver until customers filed complaints with the CFPB.

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 monetary relief
Consumer complaint received 2020-01-28
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:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 explanation
Consumer complaint received 2021-07-13
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX I terminated an electric account with XXXX Missouri when I sold my property, XXXX attempted to collect payments months after claiming the power was still on, after a complaint, XXXX removed their collections attempts and was to correct the debt to {$0.00} as it was supposed to be. 5 years later in XXXX of XXXX AARGON COLLECTION AGENCY started reporting a collections account for a total of {$980.00} on behalf of XXXX Missouri to all 3 credit bureaus. XXXX of XXXX I discovered this error and disputed it with the credit bureaus who claimed to verify the debt. At no time did AARGON send an original notice of debt nor did they verify the debt despite my requesting it 3 separate times. This debt does not exist, this company waited until the statute of limitation had run out and then started reporting negative data to my credit, and they have violated the FCR by neglecting to send an original notice prior to reporting as well as attempting to circumnavigate limitation laws by falsely reporting an account opening date of XXXX and in doing so Federal law. This action is also a violation of slander and liable laws and is causing actual damages in their degradation of my credit score. The account I had with XXXX was closed in XXXX as paid in full and I have never had a contract with AARGON nor did I sign anything agreeing to pay AARGON for any service making the sale of any alleged debt illegal in the first place ( though this debt is not legitimate )

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 2021-06-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have a credit card account from XXXX XXXX showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to XXXX XXXX and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; XXXX  and Experian, however, are saying that XXXX XXXX says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, XXXX  and Experian just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my reports.

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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have a credit card account from XXXX XXXX showing up on my credit report that is showing inaccurate information. In XXXX my ex-wife and I divorced, the judge awarded her this debt. Since the divorce my ex-wife has not paid, it has been written off and is negatively showing on my credit report. I have tried talking to XXXX XXXX and they have said they do not honor divorce judgments. So I went to the credit bureaus. XXXX  has acknowledge this should not show negatively on me ; TransUnion and XXXX, however, are saying that XXXX XXXX says the information is accurate. I have provided the divorce paperwork to all of these companies and they just keep pointing me in the direction of the other guy. 
XXXX  cleared this dispute back in XX/XX/XXXX, TransUnion and XXXX  just finished the disputes ( acknowledged that the information was correct ) end of XX/XX/XXXX however nothing has changed on my reports.

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 2018-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXXXXXX XXXX ... Continuing to phone calls even after point of contact has been made. Requested to receive information in writing. I receive roughly 3-4 phone calls per day! Repeatedly asked not to be contacted, told them they were harassing me. They were rude and deceiving. They call and when you answer the line disconnects ; forcing you to return not a call to see whom it was. Asked not to be on a recorded line. They are contacting in regards to a debt that is past the statue of limitations. I am requesting for them to leave me alone. Either send the information in writing and allow me to contact them. They refused, as well as continuously hanging up on me without resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: LEXISNEXIS
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX please remove any other variation of my name. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: LendingUSA
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft LENDINGUSA Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I got this account that does not belong to me and i want to be remove from my credit asap. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not 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 2018-12-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello To Whom It May Concern, On XX/XX/2018, I was at the Chase ATM in XXXX, IL. I made a deposit of {$410.00} into the ATM as the deposit was processing a spinning circle appeared on the screen. I called the customer service representative to be advised of the next steps that needed to be taken. They ask me what was the last digits on the ATM card I replied to the representative and told them I don't know because the card was in the machine and I will need to remove the card. I remove the card the ATM rebooted and the funds did not appear in my account. I re-entered my card to check the balance and funds wasn't on there. The Representative then requested me to give the increments of the cash that was placed in the ATM 2- {$100.00}, 1- {$50.00}, 7- {$20.00}, 1- {$10.00}, and 10- {$1.00} bills. I asked if I needed to make a police report and they told me no. I went to the branch and also went back and forward with the claims department for 14 days to find out today on XX/XX/18 that I will need a police report to have them review the cameras at the ATM because of the system isn't showing any missing deposits and the claim was closed. I went to the police station to file a report the officer stated it's not a crime no need to file a report. I'm all out of answers and keep hitting dead ends. This is my last result hopefully this would make them look at the tape from the ATM. I filed a previous report here and seen that it had the wrong date. So this is my second complaint about the same issues that occurred on XX/XX/18 around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
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:
There are two HARD INQUIRIES by XXXX  on my EXPERIAN credit report that were not authorized ; I did not apply for credit with XXXX. Furthermore, the inquiries are two months apart. These should be removed from my credit report, as they negatively affect my credit score.

The INQUIRIES from XXXX  hit on : XX/XX/XXXX and XX/XX/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 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I currently have a credit freeze on my account due to identity theft. TransUnion charged me {$5.00} to temporarily lift the freeze ( which is free with other companies ) from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I received a call from the bonding company that they were never able to access the credit report onXX/XX/XXXX. They tried 3 times. On XX/XX/XXXX I  called to have the freeze temporarily lifted again and they insisted that it was state law that I pay another {$5.00}. This can't be the case since at least one other agency does it for free. It took 45 minutes of my time dealing with 5 different people ( Unknown operator # 1, then XXXX XXXX, XXXX, XXXX, and finally XXXX ), 4 of them being " supervisors '' to get this settled. This should not take 45 minutes on the phone nor should they lie about the fee being state law.

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 2018-02-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed about {$1100.00} to the company which I paid in full on XX/XX/XXXX. Since I had previously had payment of {$29.00} scheduled for the XXXX of each month, I made sure to call chase bank customer service, talk to a representative just to make sure that I didnt owe any more money. Also I did ask the representative to cancel all the scheduled payments and I was told that it was done. 
However, I still got charge for {$29.00} after I paid my balance in full on theXXXX. After wrongly overcharging me {$29.00} which has compromised my plan for other paiement that I had scheduled, they charge interest for no reason after I paid my balance in full. Please help take action so that no one get ripped off this way. It is illegal and unfair and nobody should go through that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CITI STILL CONTINUES TO CALL REPEATEDLY ALL THROUGH THE DAY. 
THE CALLS NEVERED SEIZED XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXXXX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX (XX/XX/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 2022-11-03
Company: SYNCHRONY FINANCIAL
State: DC
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:
SYNCBXXXX XXXX was not authorized to inquire about my credit report. XXXX did not prevent SYNCBXXXX XXXX from doing this unlawfully.

SYNCBXXXXXXXX XXXX  Location Requested On Phone XXXX XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XXXX, FL XXXX Inquiry Type Individual

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 2018-11-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I attempted to obtain a credit card from XXXX XXXX. I used my phone and appropriate PINs to unfreeze my credit at XXXX XXXX and XXXX for one day. I was unable to unfreeze my credit at XXXX because their automated system no longer provides the option to unfreeze credit. That was unexpected as I previously have done it several times in XXXX, XXXX and XXXX via the same Experian PIN and phone number XXXX. I also tried an alternate Experian number XXXX and encountered the same unhelpful automated system. 


Even after significant effort, I was unable to find any means to contact a live person at Experian with whom I could discuss the problem. 


The helpful clerk at XXXX XXXX suggested I contact the XXXX XXXX Credit Card Department at XXXX to see if there was a work around. My credit application number was XXXX. The contact at XXXX was XXXX at XXXX XXXX. Both she and her manager informed me there was nothing they could do and that I should re-apply for credit in 30 days! 


Although my credit is good, the inability to temporarily unfreeze my Experian credit prevented me from obtaining a XXXX XXXX credit card.

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