BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: OH
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 previously submitted a Police Report and a FTC report regarding Identify Theft. The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 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 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 2019-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls several times a day, most recently on XX/XX/2019 at XXXX. They call from multiple numbers. Never leave a message when the call isn't answered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 report act XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 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 explanation
Consumer complaint received 2020-09-09
Company: JPMORGAN CHASE & CO.
State: NY
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:
Im XXXX I cancelled flights from air XXXX. I received email confirmation from XXXX XXXX that I would receive full refund for flights and seats by email. After 60 days I disputed the charge of the flights with chase which I won. Then 5 days later I called back realizing I didnt dispute the seat charges. I was told by the rep that she wouldnt take the dispute since XXXX XXXX was voluntarily crediting those seat charges. Come to find out a few days later chase took those credits and erroneously applied it to the flight dispute. I have called them 8 times, faxed in proof that the credits they took back were truly mine and been told twice no further documentation is needed. Then I received a decline notice because there was a form not filled out sitting in my online banking forms section that neither rep told me about when I called in. So I filled it out immediately/-same questions Ive answered several times and outlined in my fax I sent in. Still no resolution. I have XXXX credit score and dont want their incompetence affecting my score. Ive spent 10 plus hours dealing with their dispute center where they never offer any assistance. They have broken every reg e requirement goingrefusing to take my dispute and leaving this case open for months with no resolution. Absolutely the worst treatment Ive received. The credits I received from XXXX XXXX exactly matched the charges so not sure how they could even take those and apply them to a different dispute of different amounts. This should of been simple for them to see the error and credit their client quickly and easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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 filed a claim at the beginning of XXXX after my purse was stolen and subsequent charges were completed on all of my cards. My debit card, credit card, and cash card were all used to make a variety of transactions. While the dispute was processed, I was credited these amounts back. Yesterday, I come to see that all of the charges I was refunded, have been suddenly charged again with the notice " unable to pay ''. Bank of America has not sent me formal documentation stating why my claim was denied and needs to be reopened, and now I have an overdrawn balance on my credit for purchases that I did not make. I think it absolutely obscene that this XXXX dollar company expects my broke self to fit the bill for an injustice done against me with no effective communication or proper explanation.

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 2019-08-29
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Once again Trans Union has allowed the placement of a hard inquiry this time from XXXX XXXX Just FYI Trans Union I have my service with XXXX XXXX XXXX for the last three decades and I don't plan on changing anytime soon, I guess you've never herd of Identity theft which is exactly what this is but since you're so out of tough with the public you wouldn't know that, but I can assure you that after I'm done informing the attorney general in my state and yours, and the FTC for starters, you will know.

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 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I had several XXXX XXXX  accounts that were discharged through bankruptcy in XX/XX/2917. These accounts ate all closed and no activity since XX/XX/2017 however the company continues to report the account as open and delinquent. They also continue to update the status which makes it seem as if the debts are recent when last activity date should be XX/XX/2017. Ive disputed several times with all bureaus and they keep responding to the dispute with incorrect information.

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 2019-08-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter XXXX Bankruptcy- Discharged XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
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: Information belongs to someone else

Complaint:
FTC Violations Wrong name - XXXX XXXX Please remove these address, do not live there : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX {$740.00} XXXX XXXX  {$570.00} Inquiries - 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 2020-05-26
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX : Notice for Proof of Claim Account : XXXX XXXX XXXX # XXXX Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646.  Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you ( XXXX XXXX XXXX XXXX and COLUMBUS METROPOLITAN HOUSING AUTHORITY that gave you the right to enforce a claim upon my person for this debt.

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 2021-04-30
Company: EQUIFAX, INC.
State: WV
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I appealed to and disputed a number of fraudulent accounts to the major credit reporting agencies that stemmed from a security breach where I became a victim of identity theft. I disputed the accounts toward the legal grounds of FCRA section 605.b, yet to no avail. I have received no response from any of the aforementioned in regards to this matter.

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 2021-04-05
Company: Experian Information Solutions Inc.
State: MN
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:
The open date on each account has different months on it, which is no possible way the accounts were opened on 3 different days. Collection/chargeoff account showing balance and that's violation under FCRA.

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 2020-05-26
Company: Army and Air Force Exchange Service
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: Problem with personal statement of dispute

Complaint:
I applied for a credit card with military star exchange in XXXX and XXXX of XXXX. 
I was declined. I was surprised and devastated because I have been working on raising my credit score for the past 3 years. 

I have finally got a higher score and I can say that I have credit cards that have over 5000 limits. I purchased my brand new 5 bedroom home last year. 

I called the credit card customer service while I was at the XXXX XXXX XXXX military exchange today. 
The customer service agent told me that I was declined for the credit card because I had a card in XXXX and the account went to collections but was later paid in full by me. Then she also said that I had an account in XXXX that went to bankruptcy and was discharged.in XXXX. 

I am a retired military veteran. I am also totally XXXX. I have a hard time accepting that I am being penalized for going through hard times. 

As a veteran we go through things that civilians would not believe. Financially, physically, personally, emotionally. 

I am at a loss for words that a civilian that is working for soldiers would made the decision to ban me for life from writing checks on base and deny me a military star card forever? 

We love our troops. We are all in this together? Hogwash!

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 2020-05-26
Company: STERLING BANCORP
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I signed on for automatic payments of my mortgage from my bank account, a practice active for many months. 
Then 3 weeks ago my XXXX account was the target of fraud. On the advise of XXXX, we ended that account and created a new one. I immediately notified Sterling National and updated my account info on their website. 
I was told the update was done. Today I received a letter of delinquency from Sterling and was presented with two choices after waiting on the phone for 45 mins ; either use XXXX XXXX and incur more fees, or have my credit score hurt by a non payment in the era of corona virus. 
I was told the bank had decided an update in payment info would take 1-2 months and I had no choice in the matter no matter what i did and when. 
I find that to be an outrageous abuse of my rights. What would you think in my place?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
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: Account status incorrect

Complaint:
XXXX XXXX  is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2018-10-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX I received a call in XXXX of XXXX stating I owed a balance. Per credit laws I immediately asked for a validation of debt as I knew I never lived at the property the balance was for. I never received validation of debt for 7-8 months of going back and forth with the debt collection agency IQ Data International. At 8 months on a recorded call they lied and said they had an electronic lease. I informed them please send validation because if there are signed documents with my name this is fraud. They stated they would send a fraud packet in which I requested twice ( XX/XX/XXXX & XX/XX/XXXX ) and they never sent it. I submitted a dispute under fraud with the credit bureau XXXX. IQ Data International informed them the debt and all information pertaining the debt was accurate and verified. They debt collection agency requested I follow-up with them. So, again, I followed up with the debt collection agency and they did not send a fraud packet. Finally, on XX/XX/XXXX I received a letter from them stating the copies of proof of debt were attached. On recorded calls they lied time after time. There was no lease, no electronic signatures, no copies of ids, just a paper with a list of charges on there. This is not substantial documentation to lie to a credit bureau and continue to not send the fraud packet that I have requested for over a year. The fact that they have given me the run around for so long means they know this is inaccurate but they refuse to resolve this matter for the sack of collecting money from someone who does not owe a debt. I highly encourage a detailed investigation into IQ Data International and its practices. Over the duration of my time with them they have broken several laws including not providing proof of debt within an allowed time. From XXXX - XX/XX/XXXX I consistently requested proof of debt and received nothing. I also even wrote a letter to one of the managers within the company explaining why I did not owe the debt and they still refused to resolve this matter. They stated to one of the credit reporting agencies that they had true and accurate information to validate debt but truly all they have is one piece of paper with a list of charges. This is completely unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX  ) - XXXX XXXX/XXXX  - XXXX XXXX XXXX XXXX  - XXXX XXXX/XXXX  - XXXX XXXX  XXXX - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( XXXX Creditor : ) XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX  XXXX, I ( Original Creditor : XXXX  XXXX XXXX ) - XXXX

Company response to consumer: Closed with explanation