BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
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:
Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX XXXX A 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 2023-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2022-07-17
Company: Colony Brands, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have an account that was opened under my name with montgomery ward and it was opened on XXXX I'm not sure how much has been put on this card. I didn't have no card sent to me or no info come through the mail or email about having this account was even opened. I put in a dispute in for this and got a letter back a few weeks later that i needed to go on this Websight and put in a dispute. and i did and nothing has came around to fixing this for me. I have called and talk to someone on XX/XX/XXXX for a fraud on this account and was told to call the fraud department on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I open an account with Wal Mart on XX/XX/2010, unbeknown to me they also enrolled me into a Card Security Program without my consent. I enrolled into Wal Marts online billing, and the would send me what I owed though my email account and I would pay it! A couple months ago I forgot my online password, and requested that Wal Mart to start mailing out my statement to me again. After receiving my statement from Wal Mart I notice where they were taking out for this service, that I never asked for. I called there Customer service, and asked about how and when did I sign up for this service? All the Representative could tell me is that is was a mistake and they would refund my money. So my next question was to Wal Mart was were they going to reimburse me on the interest fees they been charging me over the last nine years, that my account been open? They answer to me was all we can do is return a couple of late fees you had occurred, ( WHAT )? I told him as a disable veteran who does not have a lot of income, I need all the help I could get! This manger was not very caring or helpful in trying to resolve this issues. So if the did to me, how many other consumes, have experienced the same problem I have? Just wondering

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Balance : {$12000.00}. Please update ASAP.

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 2022-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called the 3 Credit Bureaus after I purchase a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a name, accounts, and Inquiries on my credit report which are misleading to me. I already sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These following accounts needs to correct right away :

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 2023-04-26
Company: EQUIFAX, 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:
2nd official notice To XXXX XXXX XXXX and Equifax All 3 companies are in violation of the consumer laws I have contacted all 3 companies several times to correct my credit profile I was a victim of identity theft and there are several accounts that are reporting incorrectly all 3 credit services have Failed to remove all of the ant accurate credit reporting. 
The only company that has removed some of the inaccurate credible reporting is XXXX add Equifax XXXX has continued thank you to report unaccurate late payment accounts on my credit profile. 
I have spoke with legal representation and this is the 2nd notice if there is no changes after the 2nd and 3rd notice all credit service will be in default and I will pursue a Declatory judgment That would equal {$10000.00} for each and inaccurate credit Account on my credit profile. 
The following account should be deleted immediately XXXX, XXXX XXXX, XXXX XXXX, XXXX And XXXX 
All of those accounts were wrongfully charged due to identity theft. 
All of those accounts should be removed and deleted immediately. 
There's a XXXX late payment that is wrongfully being reported I have spoken to XXXX  and they have informed me that they are not reporting that account late that should also be deleted in media. 
Failure to comply Where result in Legal compliance and will be evidence an emission of guilt. 
For all of the infractions all credit services will officially owe default judgment of {$80000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, 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:
I called the 3 Credit Bureaus after I purchase a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was a name, accounts, and Inquiries on my credit report which are misleading to me. I already sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These following accounts needs to correct right away :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I had a problem with having my account Frozen with my unemployment money couldn't get in touch with no one by phone called numerous times couldn't get in touch with anyone

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 2023-10-01
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I open a new phone with XXXX  in XXXX I had health issues and I actually attempted to make payments this collection agency is not the original collection this has been already on my credit report for years like seven years now they are attempting to collect from me again not going to happen. They dont have a right to place it on my credit report twice it was originally on my credit report in XXXX  by a different company for seven years just because this third rate collection agency bought the debt doesnt make it possible for them to place it again on my account this is unfair debt practices furthermore they will never get a cent from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In the first part of XX/XX/XXXX Bank of America froze my checking and savings account saying that they had decided to close my joint account. However, they didn't close it until XX/XX/XXXX and held my XXXX and couldn't give me any answers until they completed their investigation. This continued all the way till XX/XX/XXXX when they mailed me a letter saying thank you for being patient while they conducted their investigation and considered this matter closed and included a cashier 's check for my XXXX. Now they are reporting to XXXX " fraud risk and unpaid XXXX outstanding. I never did anything to them. I need a bank account. This is unfair and unethical.

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 2017-07-20
Company: American Collections Enterprise, Inc.
State: AP
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Collection Enterprises Inc. has reported on my credit report that I owe {$240.00}. They state that the original creditor is University of XXXX XXXX XXXX. I contacted University of XXXX  directly and they stated that they have no record of any funds being owed to them by me ( ever ). I have requested ( in writing ) American Collection Enterprises Inc to provide validation of this alleged debt. No response ...

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have XXXX inquiries on my report that are not mine. I did have some identity theft issues in the past but they have been resolved. There are XXXX inquires not mine. One is XXXX XXXX XX/XX/21 and XXXXXXXX XXXX XXXX  XX/XX/21. I want these removed ASAP. I have mailed Transunion letters but they have gone ignored. The XXXX employees are all working from home so operations is extremely sloppy and under managed.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information 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 non-monetary relief
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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 an 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 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report 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 2022-07-17
Company: Early Warning Services, LLC
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to sell a washer and dryer on XXXX. There was a buyer who said he would pay me on Zelle. I hadnt used it before but Id seen it on my banking app so figured it was safe. The buyer sent me the {$280.00} on Zelle, and I got an email that appeared to come from zelle saying I received a payment but that my account hit its limit and the buyer had to send {$200.00} to my account to raise the limit and I needed to send {$200.00} to them and send a screenshot to prove I did so. After this I got an email saying I had to send an additional {$300.00} because the verification failed. At this point the {$300.00} transfer was put on hold and I was alerted to contact my bank. I did so and was informed it was a scam. I continued to receive messages from the buyer demanding his money. He sent me screenshots of bank transfers from his account with his name to my name. All of this was done through my banking app not a third party app. When I tried to download the zelle app it said I had to go through my banking app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! Violation of Fair Credit Reporting Act. 
TRANSUNION XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( 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 2023-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax.com states that I tried to log in too many times and locked my account. I telephoned working with their customer service representative to verify my personal information and asked that mycredir file be unlocked. The CSR asked me to check if a VPN was in effect on my mobile device. There is no VPN on my mobile device in effect. I asked a fraud alert be placed on my credit file with Equifax.com. The CSR placed a fraud alert on the credit file effective one year or until I ask it be removed. 

I reset the password. Still the website is not allowing meto access my credit file Similarly my credit score with JP Morgan Chase Bank was dropped some XXXX +points over a less than one week period of time for unsaid reason. I checked my information for my personal checking account with Chase Bank and it said something like credit ratio to credit charges due imbalanced above XXXX , %. 

I have 2 credit cards. The credit card in question I paid thern the entire balancedueof slightlyless than {$200.00} or I remitted {$190.00} last week. I used the card flowing payment and that's thereSon that is written on my Chase Bank credit file and then Chase dropped the credit score to XXXX. 

XXXX I was told the day before yesterday has prevented my being able to get acreditapproval to relocated an apartment from a hotel room where I have bern calling it home now plus 8 yearshere in XXXX XXXX 's financial District. This is collusion to keep my down this way andu fair treatmentof a customer and client. Simply it is an unfair situation where I played above board fair with both Chase Bank and XXXX com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Resurgent Capital Services L.P.
State: CA
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 Acct # XXXX has violated my rights. 
XXXX XXXX XXXX Acct # XXXX has violated my rights. 
XXXX XXXX XXXX Acct # XXXX has violated my rights. 
LVNV Funding LLC Acct # 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 an account without my written instruction.

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 items 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.

I am also asking for a copy of the original contract, payment history, proof of ownership of these accounts, and original creditor information.

Company response to consumer: Closed with explanation