BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
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:
Experians credit monitoring is showing that my usage for the XXXX card is at 68 % when my current balance is at {$0.00}, I need them to fix this current problem with XXXX XXXX so that it doesnt look like my utilization is high to potential creditors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX for almost 10 years. I was released from XXXX on XXXX. Almost everything on my credit reports and XXXX and XXXX XXXX reports are fraud! I could not possibly have taken out and credit or opened bank accounts during XXXX. Also fraudulent tax returns were filed in my name. Ill list credit report fraudulent accounts, inquiries, public records first. Also there are addresses and employers listed that are apart of the fraud. Ill then list bank accounts reported by XXXX and XXXX XXXX. Then Ill list the years of fraudulent tax returns. 

Accounts : XXXX XXXX XX/XX/XXXX {$67000.00} XXXX Bank XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX Credit Card XX/XX/XXXX {$1500.00} XXXX/XXXX XX/XX/XXXX {$800.00} XXXXBank/XXXX XX/XX/XXXX {$620.00} XXXX Bank XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XX/XX/XXXX {$450.00} Public record : Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX XXXX and XXXX XXXX : XXXX bank XXXX XXXX bank XXXX bank XXXX XXXX bank XXXX bad check Ive also found out that fraudulent transactions have been done with the following companies : XXXX XXXX XXXX My family is teaching me about technology and we were trying to setup XXXX and they said my account is frozen. XXXX also wouldnt let me create an account and XXXX had all kinds of security issues. 

I have been contacted by more companies stating I have outstanding debts. 

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 fraudulent and inaccurate accounts reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The cards was applied without my authoriation, the companies agreed ad closed the accounts. Transunion refuse toremove the inquries even though all was reported from myself and the companies at hand that it was fraud. Please remove all information connected to these fraud accounts. 
XXXX XX/XX/22 XXXX XX/XX/22 XXXX - XX/XX/22

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 2022-03-14
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries that I do not recognize on my XXXX credit report! 

These inquiries are for : XXXX XXXX, XXXX XXXX, and XXXX XXXX bank. They were all made on the same day, which was XX/XX/2020. 


I contacted XXXX and provided all necessary information to prove it wasn't me -- but they did not remove the inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Bread Financial Holdings, 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:
I sent a letter with payment for my account and I am waiting for them to adjust my credit report and increase my credit limit to what it was prior. In the letter and on the check it said if they chose to cash that particular check that they would restore my credit limit and remove negative information from all three credit reports. I would like them to correct the errors on they agreed to correct when cashing check # XXXX for {$580.00} dated X/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: TD BANK US HOLDING COMPANY
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TD Auto, I am demanding proof of the first delinquency being the date you have provided in XXXX. The first delinquency is BEYOND the statutes of limitations. 

SEND PROOF OF WHAT YOU STATE. I do not believe this is accurate whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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 Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX 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 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 2022-03-14
Company: EQUIFAX, 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 status incorrect

Complaint:
I have reviewed my consumer report and found unverified and unvalidated items being furnished. It is against the law to furnish anything that has no proof of concrete evidence. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: FirstPoint Collection Resources
State: NC
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:
Firstpoint Collection Resources Inc XXXX XXXX XXXX XXXX, NC XXXX The above company sent 7 unpaid bills to my credit report without sending the bills to me. I was under the impression that these bills were sent in as claims to my insurance company ( XXXX ) for payment. I contacted the original creditor and learned that these bills were submitted to a CLEARING HOUSE for potential payment and denied. 

The bills were not sent in as claims to my provider and this was verified with XXXX. 

1. XX/XX/2022 {$40.00} 2. XX/XX/2022 {$140.00} 3. XX/XX/2022 {$40.00} 4. XX/XX/2022 {$40.00} 5. XX/XX/2022 {$110.00} 6. XX/XX/2022 {$40.00} 7. XX/XX/2022 {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2022-03-14
Company: Debt Recovery Solutions, LLC
State: TX
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 DRS # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681s2, a furnisher has a duty to provide accurate information to CRAs and a duty to conduct an investigation into the completeness and accuracy of the information furnished. An individual may assert a private cause of action for violations 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 2021-02-06
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by the collection agency Aldous & Associates about an alleged debt of {$120.00} from XXXX XXXX. I have reason to believe I do NOT owe this debt because I have not had an account with XXXX XXXX since XX/XX/XXXX when my contract for the year of XXXX ended. Furthermore, gyms were closed for the majority of the year of XXXX due to COVID per the Governor order. How can one be charged for serviced not rendered. It is highly dishonest and highway robbery. 
I would like to reiterate that I do NOT owe this debt and, attached is the proof : an email from XXXX XXXX on XX/XX/XXXX admitting to me that they have made an error and, that I do not have any account that is past due or that at risk of being sent to collections. I have printed and sent the email to the collection agency by certified mail but, for some reason they have decided to act obtuse to the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/23 or XX/XX/23, I called LRS following up on a letter I received regarding a medical debt sent to them for collect, asking for additional information on the debt owed. I also asked for information on the debt collection process for future reference should I actually owe the debt. 

Between XX/XX/23 and XX/XX/23, I received multiple calls from LRS attempting to collect the debt even after verbally requesting more information on the alleged debt on previous calls. 

XX/XX/23 - I contacted LRS in writing that my clinic had no record of me owing any debts previously, currently, or sending any debts to collections. Also included " If you believe that I am still responsible for this debt, please send me any documentation you have that proves that I owe it. Until then, please cease all communication with me and note on your records that I dispute any responsibility for this debt. If you are reporting this information to a credit bureau or have already reported it, report that I am disputing this debt. '' Between XX/XX/23 and XX/XX/23, I received daily calls ( sometimes multiple a day ) from LRS attempting to collect the debt even after communicating I was disputing the debt and requesting proof of the debt owed. 

XX/XX/23 - following a call from LRS that I answered, I contacted LRS in writing and reiterated that I disputed the debt and to report that to any credit bureaus to which they may be reporting the information. 

XX/XX/23 - I received an itemized bill, which included appointment dates, doctors, and the appointments purportedly owed for these appointments. 

XX/XX/23 - I asked in writing how to pay the amount and if there was an option to do so online. 

XX/XX/23 - After not hearing back from the company, I followed up in writing asking for the same information from my XX/XX/23 communication. 

XX/XX/23 - I followed up in writing for the second time asking for the same information from my XX/XX/23 and XX/XX/23 written communications. 

XX/XX/23 - I followed up in writing for a XXXX time in a XXXX attempt to pay the debt I purportedly owe ( I still do not believe I owe the debt, but I would simply like it off of my credit report at this point ).

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 2021-02-06
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: Credit inquiries on your report that you don't recognize

Complaint:
As previously reported my identity has been compromised inwhich affected my credit file with many unauthorized and unknown inquiries, that's obviously fraudulent. I'm therefore demanding that these inquiries be removed immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
As previously reported my identity has been compromised inwhich affected my credit file with many unauthorized and unknown inquiries, that's obviously fraudulent. I'm therefore demanding that these inquiries be removed immediately from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
PLEASE READ THE ATTACHED COMPLAINT IN SUPPORT Bank of America, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX responded to the below complaints. 

Each ignored the crux of the complaint, each passed blame upon each other, each submitted review without reviewing the complaint and documents supplied. 

In the case of Bank of American given an the opportunity to preform additional due diligence prior to responding. Instead Bank of America ignored what I told them in my opinion Bank of America instructed their employee to ignore the judicial record and any other proofs of Bank of America violations and harms, Within 31 minutes of a recorded phone conversation Bank of America supplied a pre-authored response with documents Bank of America should be embarrassed. 

XXXXXXXX XXXX response is valueless, XXXX diverts blame and ignores the judicial record and documents supplied Each and All totally ignored in my opinion a collection of gross negligence, deception, fraud, multiple examples of not owing up to fiduciary duties Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2023-03-01
Company: MoneyLion Inc.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, MONEYLION suspended my account ( without notice ) stating that they closed it due to unusual activity. They made no attempt to contact me or question me about these purchases being made, which I told them I DID make. They then told me there wasnt anything they can do. They said I had to submit proof of my license, address and a notarized letter from the company that most recently deposited into my account. Ive contacted the company that last deposited into my account ( XXXX XXXX, which is a tax service. I am not able to get a letter from them because they are so backed up with tax complaints. However, this same company deposited into my account early XXXX and MONEYLION had no issues. The supervisor I spoke with said theyve been dealing with this issue with other customers, but yet they cant do anything to fix the problem. They refuse to release my money to me ( a little over {$1000.00} ) and I am not able to pay my bills or rent.

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 2019-05-08
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a inquiry from Discover financial on XX/XX/2019 Re : XXXX XXXX address XXXX XXXX XXXX, XXXX, VA XXXX I did not make this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: JPMORGAN CHASE & CO.
State: MO
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 reported a Fraud transactions to Chase Credit Card Conmpany on XX/XX/XXXX to XXXX XXXX XXXX, but Chase credit card company refused to get my credit back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I made many attempts to ask for proof of debt and verification of identity used. 
Proof of Debt : Copy of original contract or Contract I have with debt collector Proof of Indentation : Copy of my ID and/or SSN card I want to verify where and how this was able to furnish to my credit report without my involvement or consent. And what makes me liable to pay this debt for whatever reason and if I maybe a victim of ID theft! Company just claims its verified without proof of debt or transaction I have or not have with them. 
Company has be contacted by Customers reporting agencies, XXXX  and directly. And has not provided proper documentation to resolve or has not removed this claim from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a letter in the mail, written XX/XX/XXXX from McCarthy, Burgess, and Wolff, stating we have a balance of {$3500.00} that must be paid on behalf of a closed worker 's compensation account from XXXX with XXXX XXXX XXXX. The letter indicated their client is intent on " looking to resolve this claim in the easiest manner possible '', and that action will be held until XX/XX/XXXX, pending receipt of a check. 

The letter further proceeded to instruct in making a payment to their client ( XXXX XXXX XXXX ) in the amount of {$3500.00} and mail the remittance to their office ( McCarthy, Burgess, and Wolff ) at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX An additional option was to pay online at : www.mbwpay.com, or over the phone, XXXX. 

We called Employers to verify if there was a balance due and they confirmed the account was closed in XXXX, and there was no balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I sent my information to XXXX XXXX and TransUnion twice because two accounts have not been reporting. XXXX Credit Card and XXXX XXXX should be reporting to all three credit bureaus. The first time I contacted all three bureaus was XX/XX/2020 and the Second time was XX/XX/2020. I have contacted all bureaus by phone and mail to resolve this reporting issue and nothing has changed. I have not gotten any feedback from any of the bureaus regarding this matter. I sent in my ID and utility bill to verify my identity now I am escalating this matter the best way I know how.

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