BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2021, I noticed a negative report on my credit report, an account I did not recognize. On or about XX/XX/2021, I initiated a dispute with the credit agency, explaining that I did not recognize the item. At the same time, I mailed a letter to the data furnisher. My credit report has not yet been updated.

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
For 6 months I have been disputing inaccurate information on my credit reports. From what I can tell my letters were never even opened because I did not receive results in the mail.

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 2020-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My personal information was stolen and used to open several fraudulent accounts. I was not aware of these fraudulent accounts until given my credit report after trying to apply for an auto loan. I have reached out to all companies as well as credit bureaus, I have also filed a report with my local PD as well as submitting and ID theft affidavit with the FTC. The credit bureaus have refused to remove these fraudulent account that are showing on my credit reports. These accounts were not authorized by 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 2020-03-28
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX XXXX & Experian along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED XXXX. These accounts do not belong to me. They still are reporting this to 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 2020-07-16
Company: EQUIFAX, INC.
State: TX
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 have submitted at least four different disputes to Equifax on the same three accounts and each time Equifax has responded stating that the three accounts have been verified. Equifax has failed to provide a detailed statement of how its investigation of my disputes were conducted and Equifax continues to report the three disputed accounts. I have no idea when Equifax made contact with the reporter of the three accounts. I have no idea how Equifax contacted the reporter of three disputed accounts. I have no idea of whom Equifax corresponded when it communicated with the reporter of the three disputed accounts to verify the information. Equifax is in violation of the Fair Credit Reporting Act because on at least four different disputes on the same three accounts, Equifax has refused to provide specific information on how it verified the accounts and Equifax is still reporting the three disputed accounts. I have had to have a lawyer to file a small claims lawsuit against Equifax. The case number is XXXX in the XXXX County Justice Court, Precinct XXXX, Place XXXX, XXXX County, Texas. My lawyer has has even reached out to Equifax 's lawyer and offered to dismiss the lawsuit if Equifax agreed to remove the three disputed accounts from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an amended complaint to an already file one # XXXX. The only addition is CMC Funding communication of me still trying to get my {$4000.00} credit back into my account and now they say they're sending a check and I continue to be strung along. Can someone bring legal action to these scammers or clowns?

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 2022-12-08
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Only received information of the debt through a third party website known as XXXX XXXX. Never received itemization of debt, mailed letter, or information on right to dispute with a tear away portion at the end of document. Never received any documents or information even though requested. 

Need verification of identity. Social security, any signed documents of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: First Data Corporation
State: IN
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 WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX, XXXX, XXXX ETC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
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: Public record information inaccurate

Complaint:
This complaint if filed against EXPERIAN CREDIT BUREAU and XXXX  XXXX. 
On XX/XX/XXXX I have settled with XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  and I don't owe any longer debt I had on my real estate purchase. 
Both Experian and XXXX have been notified by legal office from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  about outcome from the settlement. 
Experian briefley DELETED XXXX  XXXX on XX/XX/XXXX ( see attached ) and than immediately placed the record back on XX/XX/XXXX ( see attached ) EXPERIAN ALTERED MY NAME ( my aka ) TO LOOK LIKE I'M DIFFERENT PERSON BUT, LOOK AT THE SOCIAL SECURITY NUMBER AND YOU KNOW I'M THE SAME PERSON This scam and ripp-off company shouldn't be on the market. To report false entries in consumer file in credit bureau is illegal and against the laws of The United States. 
Do you at FTC do anything about this? Or you are just toothless office pretending to protect consumers? 
I want to you to take action against both of those companies/

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 2022-11-17
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX - Approved for XXXX XXXX XXXX for up to {$15000.00} XX/XX/XXXX - No card received Unable to use promotional period

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: Bread Financial Holdings, Inc.
State: MD
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:
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX  and Citi are withholding credit from companies that deal in firearms which will obviously cause some to go out of business. This will affect my Second Amendment right to purchase firearms for self defense. This after my tax money was used to bail them out after their incompetent business dealings.

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 2023-05-23
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and the companies updated my credit report. Some got deleted but there are still fraudulent items reporting. I submitted a complaint again last XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am a delivery driver for XXXX, and JPMorgan Chase Bank advertises a {$200.00} bonus for XXXX drivers who open a brand new Chase Total Checking Account and use the instant cash out feature within the Grubhub app to send funds to that new account within 90 days. After satisfying these conditions Chase advertises that they will deposit the {$200.00} within 10 business days. 

I completed these requirements and never received this bonus. The account was opened on XX/XX/2020 and I performed my first cash out on XX/XX/2020. Well within the 90 day window stated in the promotion. 

I waited the 10 days and did not receive the bonus. At first I thought maybe they were backed up or behind due to the various situations in the country right now with the virus, etc. I held out hope that they would eventually honor their own promotion. 

After another couple of weeks or so beyond the stated 10 days I reached out to Chase on XX/XX/2020 to see what was going on. I was told that promotions like this one require a coupon code and that one was not applied to my account. I was also told that coupon codes can not be applied more than 21 days after the account opening, so I am ineligible to add one retroactively. My problem is that there was no coupon code listed with this promotion. I read and reread the promotion and its conditions several times both before I created the account and again after receiving that response. There is no coupon code listed. How can a promotion require a coupon code that does not exist and/or is not provided with the promotion. This is deceitful. 

Here is a link that details the promotion, it is at the bottom of the page in the grey box : XXXX XXXX XXXX # numberone I am also attaching screenshots of the details of the promotion from that link in the documents section of this complaint form. 

I did everything required on my end, but Chase did not honor their own advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-23
Company: EQUIFAX, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX  : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Navient Solutions, LLC.
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:
I have paid off my Navient balance. 
However, it is showing on my credit report as late. I can verify with bank statements that balance is paid off at fall XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
I went through a bankruptcy back in 2019 and noticed some accounts that were in my bankruptcy are still showing on my report and needs to be removed. This is an FCRA609/611/623 violation. The Following accounts are listed : XXXX XXXX  # XXXX CAPITAL ONE BANK USA NA # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 US SM BUS ADMIN ODA

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 2023-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bank of America, XXXX XXXX and XXXX still harassed me about these accounts. Sent my personal info to another company to harass me for money not owed. These actions indanger my welfare and wellbeing of my family. Due to 15 USC 16G Law all negative items on my credit report are to be removed 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 explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: NJ
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 account # XXXX - XXXX XXXX 
has violate my right. 
15 U.S.C 1681 section 602a. state I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: Experian Information Solutions 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:
I RECEIVED A COUPLE OF BILLS IN THE MAIL STATING THAT INEED TO MAKE A PAYMENT FOR A LOAN. I DONT OWE A LOAN, I DONT HAVE ANY LOAN UNDER MYB NAME. THEN I CALLED XXXX XXXX MY INFORMATION HAD BEEN USED TO OPEN THIS ACCOUNT. I GOT A COPY OF MY CREDIT REPORT AND SAW TWO BANKRUPTCIES AND A COUPLE OF INQUIRIES. ACOUPLE OF OTHER FRAUDULENT ACCOUNTS THAT ARE NOT MINE. I HAVE NEVER SEEN THESE ITEMS IN MY LIFE. PLEASE REMOVE THESE ITEMS FROM MY REPORT. THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: AR
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not authorize Equifax to furnish this information onto my credit report. On XX/XX/, I submitted a dispute with Equifax to remove the unauthorized inquiries on my credit report. Equifax investigation results stated that the inquiries will remain on my credit report for at least 2 years. I submitted documents showring I had filed a police report showing that my identity had been used without my knowledge or consent. I am asking for Equifax to provide the original documents showing my legible signature or showing where I gave these companies authorization to view my credit report. If original documents can not be furnished, I am asking Equifax to remove these inquiries on credit report.

Company response to consumer: Closed with explanation