BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: VA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX  XXXX ACCOUNT # : XXXX!!! VIOLATIONS!!! 
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 XXXX  XXXX ACCOUNT # : XXXX & EXPERIAN has Violated my Rights. 

Agencies can not utilize outdated information : EXPERIAN is Reporting outdated information. 

Agencies can not use incomplete, unverifiable, or false Information : EXPERIAN is Reporting false information EXPERIAN IS FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT HOW DID YOU VERIFY ACCOUNT ITS REPORTING 100 % INCOMPLETE & INACCURATELY )!! ! REMOVE THIS ACCOUNT IMMEDIALELY!!! 

LAST DATE OF ACTIVITY : XX/XX/XXXX LAST VERIFIED : NO DATE REPORTED CLOSED DATE : NO DATE REPORTED REMOVE THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!! ! REMOVE THIS ACCOUNT IMMEDIATELY!!! 


XXXX XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) ACCOUNT # : XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) ERROR XXXX. CLOSED DATE XXXX : XX/XX/XXXX EXPERIAN : NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) HOW IS THIS ACCOUNT WITHOUT CLOSED DATE. 


ERROR XXXX. PAYMENT HISTORY XXXX : NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) EXPERIAN : CONTINIOUS CHARGE-OFF FURNISHING AFTER CLOSED DATE. EXPERIAN IS NOT FURNISHING A CLOSED DATE ON THIS CLOSED CHARGE-OFF ACCOUNT, WHICH IS MAKING IT KEEP REPORTING EVERY MONTH EVEN THO ITS A CLOSED ACCOUNT ERROR XXXX. DATE OF LAST ACTIVITY : ( THERE ARE XXXX DIFFERENT DATES OF LAST ACTIVITY, THERE IS NO WAY YOU VERIFIED ACCOUNT DATES OF LAST ACTIVITY IS NOT EVEN UPDATED ) XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX ERROR XXXX. LAST VERIFIED XXXX : XX/XX/XXXX EXPERIAN : NO DATE REPORTED FOR LAST VERIFIED ( HOW DID YOU VERIFY ACCOUNT THERE IS NO DATE ) ERROR XXXX. DATE OPENED : ( THERE ARE XXXX DIFFERENT DATES OPENED, THERE IS NO WAY YOU VERIFIED ACCOUNT ) XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX ERROR XXXX. PAST DUE AMOUNT : {$420.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX : {$420.00} EXPERIAN : {$420.00}

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 2019-12-17
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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX  XXXX  ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS BOTH OF THE ACCOUNTS ARE FROM XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT.  I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I formally request for the removal of fraudulent collections and unknown addresses from my credit report, which I believe are negatively impacting my credit score. After a meticulous review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have enclosed supporting documentation that validates the correct information. I am pleased to request that you investigate this matter and remove the inaccurate collections and unknown addresses from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I know I've already sent a complaint prior but I'm just so overly welcomed that when you're the victim of the situation and you're being told that you can't get your funds back no matter how it happened it happened to me and I've been fighting to get my funds to me since the end of XXXX and I feel this is so unfair I said so many letters in I sent police report and I've sent even text messages amongst the people that had something to do with like I said they did refund some to me but I'm still waiting for {$1000.00} withdrawal and XXXX {$500.00} withdrawals with an {$800.00} withdrawal and in the copies of a text messages I send to them it states that they had a picture of my bank card and that's how they were doing the online transactions and they went to the mailbox and got my card out and they did a few other transactions because I had definitely known it was someone that was around me that done this to me so I start confronting people and then a certain person to text me and told me that they seen the pictures of my card and they were using my card and they went to the mailbox and this was told to me from a friend of mine and I swear to XXXX I had sooner or later you know karma will get them I don't have actual proof of them doing that something like that to me but I thought that was a good enough proof for them to refund my money back to me I'm definitely the victim and I would love to be treated as the victim. I mean I said in the last one I sent the documents of XXXX transfers that was on my account that I never took out you can see it's not on my XXXX account and it shows whenever they take out withdrawals there was like a XXXX transactions along with it the bank have no problem refunding XXXX to me and when you look at it it's like back to back XXXX, XXXX XXXX XXXX and it's like that through my whole Bank summary like anything they took out there was a XXXX transfer with it. And they had no problem with doing refunded online transactions. But the withdrawals is what they're having a problem with but you can see the XXXX  along with that too.

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 2019-12-17
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:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX  XXXX  ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS BOTH OF THE ACCOUNTS ARE FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT.  I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2021-12-13
Company: Kingston Data & Credit International Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Kingston Data And Credit is claiming I owe {$1300.00}. They also falsely place information my credit report. Be advised, 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. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I financed a car through capitol one in 2011 for a 72 month term. Over the years I 've encounter many financial set backs ( divorce/ identity stolen etc ) that caused me to extend my lease terms to 77 months. My term is up in XXXX of this year but Capitol one is telling me I owe an additional XXXX after the term has expired, for negative activity over the years. I have requested a copy of my account activity which does n't explain this balance of XXXX. I seek legal counsel and was advised to file a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I got several unauthorized inquiries on my credit and want them to be deleted immediately. 

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 non-monetary relief
Consumer complaint received 2017-07-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I was charged twice the amount of {$28.00} for XXXX XXXX XXXX ( XXXX ) transactions processed by my American Express Card ( AX ). <P/>I never purchased XXXX for this AX which I recieved for in XX/XX/XXXX. I only had XXXX for XXXX of my old american express cards which were both cancelled subsequently. <P/>When I called XXXX, I was told that their insurance services automatically gets transferred to any and future american express card. I asked them for cancellation and reversal of at least their recent charges on an airline ticket which has not been used yet, and they offered a partial refund of {$10.00} for a service which was not requested and not used!!! <P/>I believe this is a form of fraud because every service offered with a specific card must stay with that card and not get transferred automatically to future cards without a reminder or notice sent to the customer. <P/>I never received any written notice or phone calls regarding the automatic transfer of the XXXX to my new AX card. <P/>While they treat every new card as a new credit card and scrutinize the customer and his/her credit history, when it comes to their " unrequested '' services, its automatically transferred WITHOUT any reminder or notice to the consumer. <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion I want this message deleted from my credit report asap MESSAGE EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT

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 2021-12-13
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
Chase Mortgage has been reporting an unsecured personal line of credit tradeline ( that was originally originated by Washington Mutual and transferred to Chase through the WaMu acquisition ) as a mortgage product on my credit report for XXXX years. When I disputed the tradeline with XXXX in XXXX of XXXX, Chase Mortgage reported the account as still open, but was unable to locate the account when I called the number referenced on the tradeline ( XXXX XXXX XXXX ) and provided the account number listed on the XXXX or my PII ( XXXX, XXXX XXXX XXXX XXXX  ). The tradeline both before and after my XXXX dispute indicates the tradeline was paid and closed, with a last activity date of XX/XX/XXXX and a closure date of XX/XX/XXXX. I have attached the tradeline information from the dispute response from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After months and months of battle, it was today XX/XX/2019 that XXXX deleted it from my credit, they keep reporting on my credit since may, they have cause so much damage to my name and reputation. I call for justices Account details XXXX $ open balance Original creditor XXXX XXXX XXXX Opened XX/XX/2019 ( 9 mos ) HIGH IMPACT * needs attention

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Peak Legal Advocates
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I signed a contract with XXXX XXXX XXXX in XX/XX/2015. Everything was great until late last year when I started getting court documents. As you will see in my email correspondence, they assured me more than once that all was being taken care of. Not once did they call me to tell me there was a problem. I have been following all the directions given to me by them uploading documents and I now can't use my checking account because XXXX has put a garnishment on it for over $ 14K! Again, not one time has anyone from this company called me to say, " hey, we have a problem with your account!? '' I have not actually heard from anyone at Peak Legal or XXXX XXXX except for XXXX who is only a negotiator and tells me to talk to Peak and talk to a lawyer. I have reached out to Peak via email who just passes me on to XXXX XXXX who is their attorney representing FL. But it's been weeks and I have yet to actually talk to anyone representing Peal Legal! I have acquired hundreds in overdraft fees in addition to the chaos of all of this! I'm a single mom teacher who was just trying to take care of her debt after divorce and this is what happens to me!?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
I request to see results soon considering that this complaint has been filed before and you have failed to comply with the time that federal law provides, or I would have to take other legal action towards you to see results

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2018 Experian received a certified letter Requesting signed documents and or proof of application ( s ), contracts, an or original documentation as well as the right for Experian to report the following accounts to my credit report ; 1. XXXX XXXX # XXXX 2,  XXXX  # XXXX, 3.XXXX XXXX XXXX # XXXX, 4.XXXX XXXX XXXX # XXXX XXXX 5. XXXX ( XXXX XXXX XXXX. Experian has failed to provide any proof of original documentation containing my signature regarding the accounts listed above. In addition Experian received a copy of a Police Report which included the accounts in question in regards of being established without my knowledge or consent through identity theft. As per the Fair Credit Reporting Act section 605b states the accounts must be blocked within 4 days of receiving the police report. Experian has numerous violations in regards of the Fair Credit Reporting Act regarding my disputes by continuing to report these accounts to 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 explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Someone has used my personal information to open 2 loans and 1 credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts must be removed from my credit report!

I am filing the necessary paperwork in order for my request/demand to be made. The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} ( CREDIT CARD ) XXXXXXXX XXXX XXXX XXXX  XXXX {$25000.00} ( LOAN ) XXXX XXXX XXXX XXXXXXXX {$25000.00} ( LOAN ) These three accounts are unauthorized and were not open by me. They must be removed from my XXXX, TransUnion, and XXXX credit reports!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief