BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: EOS Holdings, 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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: MO
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 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 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 2022-08-16
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : 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 XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
Company: Experian Information Solutions Inc.
State: TN
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 Experian Credit and spoke to a rep on XX/XX/XXXX rep. The rep refused to give me his name and hungup. I also called back and spoke to another Rep name XXXX whom was really nice but he also refused to give me the name of the rep. He transfer me and someone came to the line and hungup. The rep was very rude and hung up on me. I tried to advised him that i keep sending in proof that the information that they have on file is not me and incorrect. I have sent them proof of where i live and my current name and they refused to correct the information on my report. My current name is XXXX XXXX XXXX and dob is XX/XX/XXXX my address is XXXX XXXX XXXX XXXX XXXX TN XXXX. They have incorrect and false information reporting on my credit report such as a name XXXX XXXX which is not me, nor have i ever used this name.XXXX is the city that i live in. They have a XXXX XXXX which is not me and inaccurate. My name is XXXX XXXX XXXX. They also have an incorrect address XXXX XXXX XXXX XXXX TN XXXX which is not my address and never have been my address, they refuse to remove this address. Its not even an address with that city and zip code in XXXX. I live at XXXX XXXX XXXX XXXX XXXX Tn XXXX. Which i have lived for 38 years, I have sent them a copy of my social security card and address and they still refused to correct and remove this off my credit report. which is inaccurate and incorrect.

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 2018-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
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 am writing concerning a {$210.00} balance reported by XXXX XXXX XXXX XXXX for a debt previously owed. According to the company the debt is a remaining balance for a debt originally in the amount of {$700.00}. However, the debt has been settled in full as of XX/XX/XXXX. 

I previously received a letter dated XX/XX/XXXX which indicated if a payment of {$490.00} was received by XX/XX/XXXX the account would be " settled in full ''. As a result I obtained a money order from my financial institution on XX/XX/XXXX and mailed the item to Portfolio Recovery the same day. 

Despite paying the settlement, an additional {$210.00} balance was added to my credit report. On XX/XX/XXXX I submitted a dispute of the {$700.00} balance and informed the agency of the settlement. I allowed 30 days for a response and have not had any feedback since that time. However, as of XX/XX/XXXX Portfolio Recovery has reported a {$210.00} balance. 

This is dishonest and incorrect. Is there anything that can be done to get this matter rectified? I would be happy to provide a copy of the settlement agreement provided by Portfolio Recovery as well as proof of the money order sent and date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Report : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company offered a credit card with a {$49.00} annual fee. I accepted the terms and then received a credit card. I paid the {$49.00} on XX/XX/XXXX and then today XX/XX/XXXX I received a letter stating that was an error really the annual fee is {$150.00} and when I called them they said it was " just a little mistake ''. 

They refused to honor the {$49.00} then when I ask for it to be refunded they said I had to call them back again. 

First I'm not sure how they can change the terms after they already accepted the annual fee. Secondly I hadn't even activated the card they should be giving me my money back at the minimum. 


There appears to be something wrong with the business practices here.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXXL Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ACCURACY OF MY REPORT IS UNMATCHED. I AM CONTACTING THE ORIGINAL CREDITORS THAT ARE RESPONSIBLE FOR REPORTING INVALID INFORMATION. ALL ACCOUNTS, DATES, AMOUNTS ARE LISTED IN THE FILES. PLEASE REVIEW AND REMOVE THE LISTED ITEMS IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX an unknown person made unauthorized transactions from my checking account totaling $ XXXX.I notified Chase Bank which is the financial institution that I bank with and they stared a fraud investigation. Upon their investigation they claim that they could not find any evidence that any fraud took place and insinuated that I gave the unknown person my PIN number.My money was not refunded.I filed a police report however the investigation is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Sunset Solutions Group, LLC
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
All XX/XX/2018 and XX/XX/2018 got phone calls regarding this debt and my refusal to pay would end up with me being in jail and sued via the company representing as the debt collector.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-15
Company: Credit Control, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted XXXX after undergoing XXXX about charges I did not authorize and also sent XXXX a copy of the police report. XXXX  fail to investigate and fail to do anything about this account and the unauthorized charges. As of today, XXXX has done nothing but ruined my credit report, have debt collectors harass me along with selling the account to junk buying debt collection companies. I contacted an attorney and will be filing a lawsuit against XXXX, XXXX and Credit Control for harassing me with a false account and monies I dont owe. I even asked XXXX for copies of signed receipts and signatures and check counters and still no information. XXXX allowed these unauthorized charges while I was in the hospital receiving XXXX. I will not stand for this at all. I am not sure why they are trying to settle with me on an account that I did not authorize charges. I would like to receive a copy of every receipt and signature for each and every transaction. I do not owe any money to 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 2022-08-15
Company: EQUIFAX, 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 Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX COLLECTION XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, have 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 non-monetary relief
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: WA
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 LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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: Their investigation did not fix an error on your report

Complaint:
As submitted to the CFPB on XX/XX/22 complaint number XXXX, Equifax confirmation XXXX XXXX Equifax reinserted previously deleted accounts # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX were reinserted into my credit file without notice. As a result of the complaint, EQUIFAX DELETED XXXX XXXX XXXX, XXXX DELETED, I pulled my credit report confirmation number XXXX and EQUIFAX has reinserted previously DELETED accounts and once again did not provide notice per the FCRA. XXXX XXXX XXXX Reinserted violation XXXX reinserted previously DELETED violation Reinserted XXXX XXXX XXXX previously DELETED violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 Ally Bank closed my online savings account and without my authorization withdrew {$39000.00} from my account. I was notified that my account was closed when I tried to transfer funds into another Bank Account and that Bank advised me that my Ally Bank Account was closed. I went online and viewed my account and discovered that there was a withdrawal of {$29000.00} posted on XX/XX/2019. I called Ally Bank and was told that the account was closed and they would mail a check to me for {$29000.00}. I advised Ally Bank that I did not want a check with that large of an amount mailed to me and that I would want that either the account be reopened and the money deposited back into the account or for the money to be transferred to my other bank. I was advised that the representative would " send a message to do that for me. '' I did not hear anything and called back and spoke to a Supervisor, who would only identify himself as XXXX. He advised me that since I did not authorize the withdrawal he would send a message to the " Executive Resolution Office '' and they would possibly reopen the account and stop the check from being mailed. XXXX advised that I would hear from the " Executive Resolution Office '' Not hearing from the " Executive Resolution Office '' I called back on XX/XX/2019 and spoke to a Supervisor who would only identify himself as XXXX. I advised XXXX that I wanted to speak directly to someone in the " Executive Resolution Office '' XXXX advised that he tried to contact them to ask if they would speak to me, but he could not get anyone to answer his call. XXXX advised me that the check was already mailed. 

It should be noted that on XX/XX/2019 I called Ally Bank and spoke to a representative and advised him that I was going to transfer the funds in my account to another bank. I advised him that when I transferred all the funds out of the account I would then close the account. I advised him that the reason I was calling was to find out what would happen to any interest that would be due me on the account once I closed it. He advised that they could mail it to me. I stated that " they could mail the interest to me because it would be a small amount. '' I never authorized the withdrawal of the {$29000.00} and for that amount to me sent to me by mail. 

These funds were to be a gift to my daughter for a home closing and that is why they were being transferred to another account. By mailing the check this has delayed my ability to give my daughter the funds in time for her closing which has caused a major problem.

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 2023-01-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is a continuation of complaints XXXX, XXXX and XXXX USAA called my wife on her XXXX phone this morning in XXXX ( XXXX XX/XX/2023 ) and she called back and authenticated with her USAA ID. Despite the fact that they called her on the XXXX  number on our account and that we submitted ( and they confirmed receipt ) of our passports, her residency card, and military orders showing our current location, they claimed they were not able to authenticate her identity. And I even sent our recently filed taxes ( I literally just filed it on XXXX XX/XX/2023 and it was confirmed in receipt by the IRS ) since the customer service agent that I talked with yesterday needed to confirm income ( I told her I am the only one with income in our family ). So they also have this as well. 

Despite the fact that I have called and talked with customer service half a dozen times since they froze both of our cards, provided them with the aforementioned documents, authenticated with my full credit card number and information and social security number and now even them talking with my wife on the XXXX  phone number associated with our account ( even though we took charges to have the call with a US number ) and she authenticated with the USAA ID, they stated they do not have enough information to authenticate us. This is beyond ridiculous and they apparently are choosing not to recognize government identification. I am reaching out to a lawyer to discuss my next steps as soon as I can reach one ( Ill have to find one I can talk with on Saturday ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation