BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
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: Personal information incorrect

Complaint:
I was logged into XXXX and after that I logged into Transunion. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, two companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both XXXX  and Transunion stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with XXXX and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the XXXX XXXX XXXX and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. 

I have attached the FTC identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, my debit card ending in XXXX and attached to my Bank of America XXXX XXXX account was charged with 3 fraudulent charges totaling {$230.00}. I called Bank of America and reported the fraudulent charges and they credited the 3 charges while the fraud claim was investigated. 

In XXXX, the Bank sent me a letter stating that 2 of the charges were found to be fraudulent and credited me {$140.00}, but a 3rd charge for {$89.00} was determined not to be in error by the " merchant '' for a product I never ordered and never heard of. I called the Bank and told them I didn't agree with their findings. All three of the charges were fraudulent. The bank 's claim department stated the " merchant '' showed proof by showing that I agreed to the " merchant 's '' Terms & Conditions, gave my credit card number and there was a USPS tracking number and a phone number for the " merchant 's '' customer service line.

I went to the USPS tracking website and entered the provided number. It shows something that was shipped 2 weeks prior to the date of the charge. It also shows something delivered to XXXX, NC, but provided no delivery address. I also tried calling the customer service number only to get a recording that the number was not in service. 

When I called and wrote back to Bank of America about these 2 obvious false claims, their response was that I needed to send more proof that I didn't place the order for this item ( Keto supplements ). I asked if the Claims reviewer checked on either of these 2 obvious errors but they didn't have any information about that. I told them that I couldn't prove to them a negative since I never a ) visited the website, b ) ordered the product nor c ) approved the Terms & Conditions. What I did do was I reported the charges the day they were fraudulently made to my debit card. The Bank initially credited my account but then allowed the charge to go through after my initial report and follow-up rebuttal.

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 2020-02-21
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:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Now because of these false accounts, I have no chance of acquiring any new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

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 2017-12-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Under the FCRA, unverified, invalid accounts must be removed. 

If XXXX XXXX is unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from credit reports including but not limited to Experian, XXXX and XXXX XXXX. 

I demand the account be verified, that I be provide PROOF or removed immediately! 
The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

On or about XX/XX/2017 I submitted a request to XXXX XXXX to provide me " wet signature '' actual proof of authorization to report any credit information according to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ). 


Despite numerous, requests, XXXX has not removed from the reporting agencies information for : : XXXX XXXX a/c XXXX XXXX XXXX XXXX XXXX XXXX a/c XXXX XXXX XXXX XXXX I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed below : The fair resolution to the is for XXXX XXXX to remove any credit information they are reporting unless they can provide HARD COPY PROOF TO ME through the physical verification of the original signed certified consumer contract - of any and all accounts o be posted and or reported on a 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 2020-02-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The list of employers within my credit file is incorrect. To prevent further issues in the future I am asking that all records of employment be removed. This incorrect information is appearing in security checks and the information your company has on file for my employment is incorrect.

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 2017-07-06
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since XXXX i have been battling with 3 companies which i believe to be the same reporting bureaus. They are reporting closed paid off accounts information to the 3 major reporting agencies. 1. Syndicated Office System 2. XXXX XXXX XXXX 3. Central Financial Control All three parties are reporting multiple accounts which they are also reporting them as duplicate on my credit report showing {$550.00} 3 same account # also {$150.00} 3 same account # also {$750.00} 3 same account #. And they also added the totals and created an account adding all the totals together. I tryed contacting the three parties to please remove accounts or provide information and received nothing and it is still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
Credit Bureau XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX, Account # 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-05-10
Company: NATIONS DIRECT MORTGAGE, LLC
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested COVID-19 forbearance on XXXX/XXXX/21 for 6mos and received notice via mail that it was only granted for 3mos. Called to have request fixed to original request and they asked me to email or upload request. Completed email and upload on XXXX21and have not received updated documents. Called today and they stated I had to wait until XXXX to request additional extension, even though I originally asked for 6mos.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: LA
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:
In XXXX after checking my credit report I noticed that several files were not mine. Experian was reporting XXXX, XXXX, and XXXX XXXX. None of these accounts belonged to me. I disputed with Experian. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). The companies agreed to request removal of the items with the latest coming in XXXX. I contacted Experian several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Experian is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
We were hit with COVID in XXXX of XXXX. The entire world went into a state of panic and shock and I was laid off indefinitely working in a salon as no one knew if the world would even reopen. Trying to provide food for my family, I was unable to make my credit card payments a few months after my savings ran out. I called Capital One multiple times and explained that my unemployment wasn't in yet and that I was laid off due to a pandemic - something completely out of my control and not my fault. I was told that this was understood and that this would not negatively impact my credit due to the circumstances of the world. Upon reviewing my credit report, this is not what happened, there are several lates on here from when we were in a state of world emergency. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all reported lates on my credit report. This is absolutely unfair. I tried to keep everything a float as long as I could to make sure my payments were made, but a few months into the pandemic, I couldn't and I thought this was understood with Capital One as I called them and spoke to them many times about this. I have been back to work since XX/XX/XXXX and caught everything up my first paycheck in XXXX and have not been late since. this is unethical and unfair to hit my credit during the pandemic with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I mailed myself a check from Chime XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX ). I then voided the check and gave it to my employer to use as direct deposit for my paycheck. However, the Check I received did not have my account or routing number on it and by the time I realized this issue the money had already been deposited in a bank associated with Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) through XXXX XXXX  XXXX. I believe this account to be fraudulent. Not my account. So after contacting my employer as soon as I realized the issue they were not able to hard stop and cancel the payment. I have contacted both XXXX XXXX  XXXX and Chime to fix the issue so I can get my paycheck back in the amount of {$1200.00}. I have contacted XXXX  XXXX XXXX ( XXXX ) department and they assured me the issue at hand needs to be taken care of with Chime ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX  XXXX ). I have been persistent with Chime ( XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ), speaking to the escalations team and the engineering team and a month now has gone by and I haven't heard anything. Nothing has been done about the issue and Chime does not reach out to me regarding the issue any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: KEYCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Today, XXXX XXXX, 2017 I received correspondence from Key Bank with information regarding a very old account I had with them maybe 20 years ago. <P/>Its a statement regarding a World MasterCard. I had this card and a bank account with this bank but closed it. <P/>The statement contains personal information i.e., last 4 digits of old account number and my present address. <P/>I have called Key Bank 's XXXX # to try to get them to take my name out of their system. Their response was that they knew the letters were a mistake but could n't take me out of the system unless I gave them my full SSN over the phone. I did not feel comfortable doing so. But implored them to take me out of their system for fear of identity theft on this card that no longer exists. <P/>I do not want anymore correspondence from them but NEED THEM TO TAKE ME OUT OF THEIR SYSTEM AND MAKE SURE THIS CARD NUMBER NO LONGER EXISTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-21
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$2200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was in an accident and was deemed a total loss and I had GAP insurance at the time which covered any remaining money owed. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Experian Information Solutions 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:
XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. 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