BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-28
Company: PENTAGON FEDERAL CREDIT UNION
State: SC
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:
On XX/XX/2019 a hard inquiry from XXXX XXXX appeared on my credit report. I called the company on XX/XX/2019 to ensure that no fradulent accounts had been opened in my name and to request that the inquiry that I did not authorize be removed. The individual I spoke with on the phone assured me that there would be no problem doing that and no further action would be required on my part. To this day the inquiry that I did not authorize still remains on my report. On XX/XX/2019 another inquiry appeared from Penfed. I had never heard of this institution before that time so I called to be sure that no fradulent accounts had been opened using my name. After speaking to an individual from Penfed I was informed that a fradulent account had been opened in my name with the incorrect social security number and that it would be closed immediately. I also ask to have the hard inquiry to be removed but was informed that I would need to authorize Penfed look at my credit report, creating yet another hard inquiry, in order for them to remove the original that should not be there in the first place. Several days later a welcome packet arrived in the mail from Penfed informing me of my new account. I sent an email to this institution on XX/XX/2019 to ensure that the fradulent account had been closed and to request that the hard inquiry that I did not authorize be removed from my report once again. A response was sent on the same day informing me that the account was indeed closed on the XXXX of XXXX when I placed the first phone call but I was told again that in order for them to remove the hard inquiry, that is on my report due to their mistake, I would need to authorize them to run my report or I could pull and submit a full copy of my credit report with the errors highlighted. I responded to this email on XX/XX/2019 inquiring as to why I should authorize something that seems so counterintuitive or mail such sensitive information to a company who has allowed a fradulent account to be opened so easily. As of this moment, I have yet to receive a respone to this email. I understand that hard inquiries stay on my report for a period of time before being removed, however, I feel that these extra hard inquires have brought my credit down and hurt my chances at getting a business and/or home loan in the near future. I also feel that, regardless of how long hard inquires stay on my report or who they are shared with, they should be removed immediately since they were not authorized.

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 2018-08-06
Company: Early Warning Services, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Early Warning of XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX who is representing XXXX  XXXX XXXX and or XXXX  XXXX XXXX has erroneous insinuated that I ( willfully, knowingly and intentionally ) transacted and or attempted to transact with an account in an unauthorized manner ; when in fact I was the victim of a fraud perpetrated by persons outside an ATM in XXXX XXXX  XXXX. ( The Circumstances of which are outlined in the attached documents ). 

I have had no further correspondence from Early Warning since the earlier part of this year despite seeking vitiation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a Google Play Gift Card from a seller on an online marketplace ( XXXX ). I have purchased numerous codes from other users and redeemed without issue. Lately ( XX/XX/2019 to the present XX/XX/XXXX ), Google has been requesting info and images ( picture of the card, picture of the receipt and proof of residence ) before the code can be redeemed. This is being done in attempt to prevent scammers and fraud activity. I have very little issue with this process should I receive a timely response. However, various attempts to resolve via Google 's process has resulted in zero response from whatever specialist team is assigned to investigate these claims. There are also no escalation channels available. Any contact made via Google 's intended channels is a dead end, resulting in the canned response of " nothing we can do until the specialist team responds. '' Therefore any money spent on these cards/codes is essentially held ransom ( essentially theft ). This is an absurd process that Google has no legitimate response to. With all the intelligence that accumulates at a company ( which data mines all their user base ), one would think a more streamlined process could be created.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: AmerAssist A/R Solutions, Inc.
State: UT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AMERASSIST AR SOLUTIONS, collecting on behalf of XXXX XXXX XXXX XXXX I attended The XXXX XXXX XXXX in XX/XX/2013 and received federal student loans for my tuition. Amerassist AR Solutions is attempting to collect {$5000.00} and has reported this on my credit report. This is a fraudulent collection action and an attempt to collect money that I am already paying back to the government as they are the ones who lent me the money to attend the school. Amerassist is merely attempting to collect free money from me and will not remove the account from my credit report. This has made it very difficult for me to get any type of credit due to the balance owed and the age of the student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Millco Management
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an accident at my job almost a Year ago they took me to the emergency room to check on me, months later I got a letter showing how much i Owe the dept collector I have try using my insurance it Didnt cover it so I talked to my managers about the issue, I called the debt collector to let them know it was supposed to go in my workers comp they told me i needed to get the imformation about the workers comp so it can get paid, I asked my manager the imformation and they have told me to give them debt collector my case number and the phone number to contact the people so my debt could be paid, they said they couldnt do that and arent supposed to call anyone and Hung up, I mention this to my managers they tried to call them and told them about it but they Hung up on my managers so they tried again and my managers told me i dont have to worry that my dept would be paid, weeks past and it still shows that I still owe them money and I dont know what to do, my managers told me this is the only way I can pay my debt and the bill wasn't supposed to be sent to me it was supposed to be sent to my workers comp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During XX/XX/2018, I sent a letter to Aargon Agency. In the letter I asked for the company to please provide me with evidence of the authorization of this matter, the authorization of law for them to collect this information, proof of the alleged debt, including SPECIFICALLY the alleged contract or other instrument bearing my signature. I also request that they please identify the original creditor, provide a complete account history including charges added for collection activity, provide that their agency is a licensed debt collector and can operate to do business in my state and also for their license number and registered agent. As of today, I have not received a response from the agency. 

During XX/XX/2018, I once again sent another letter requesting these information from the above-mentioned companies, no response received. I have sent multiple letters to each credit bureau to have these accounts removed from my credit report, but they refuse stating the debt has been verified, but they provide no proof as to how the debt was verified despite me sending letters that the debts have not been verified.

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 2021-06-07
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made an atm deposit of XXXX on XX/XX/2021, I were told I would get my money back in 10 business days or credited, its now way over 10 days I haven't gotten my money nothing in the mail or my account this is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in 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 2019-09-28
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I Receive notification today that a collection was added to my credit report in the amount of {$370.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my report. This is a violation of my rights and I want this alleged debt removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: EQUIFAX, 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 checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is to be EXCLUDED from a consumer report. 

Please understand that pursuant to 15 U.S. Code 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

The law clearly states ANY card, and the credit card that I used to originate the consumer credit transactions below was my social security card which makes me the original creditor and issuer. 

The accounts below by law should be removed immediately. 
XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Also please be advised that I have asked Experian to investigate these accounts numerous times, and I have ample proof that Experian has conducted said investigations and sent me correspondence that the results of their investigations were factual, accurate and true. 15 U.S. Code 1681a ( e ) states that in order to conduct an investigation by law the information is supposed to be obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Experian can not provide proof of this because it did not take place. 

15 U.S. Code 1681a ( e ) also states that the consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer when such information was obtained directly from a creditor of the consumer or from the consumer.. So, if Experian did in fact investigate the accounts and came to the conclusion that the information associated with the accounts were 100 % factual and true then it should NOT be included on my consumer credit report pursuant to 15 U.S. Code 1681a ( e ) I DO NOT trust Experian to thoroughly investigate this matter at all because they are regurgitating the same vague " verified as accurate '' letters that they have been sending me for almost a year, which is why I am submitting this complaint through the CFPB for a third time.

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 2018-08-06
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
identity theft occurred in XX/XX/XXXX at this time I was ( and still am terminally ill ) and had a caregiver helping me who gained access to my personal information thus successfully opening credit card accounts, hacking my bank account to use my checking account to increase spending limits by making payments on these cards and fraudulently signing my name so they could charge more goods. I have sent notification to citicard explaining situation, not willing to work with me on /refuse to even consider that this is a identity theft issue. They have repeatedly harassed me with collection phone calls since XX/XX/XXXX and have harassed my elderly parents as well asking questions about my whereabouts. I have filed identity theft reports and contacted credit card bureaus about the situation. Still in process of trying to clear this up. It is a frustrating stressful situation. XXXX is more tolerable.

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 2018-08-06
Company: BARCLAYS BANK DELAWARE
State: MD
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:
Hello, On XX/XX/XXXX this year I closed a Credit card Account with Barclays Bank. There was a pending balance on the card when closed so the belief was the card was paid off in full. 2 months later My credit score dropped by 100 points and this is how I was notified of a balance on the card. I contacted Barclays and Paid the card in full. When questioned why I had not received any notification of balance they stated that they sent me email notification. Checking my mailbox and spam I received no notifications. I asked for proof of notification and the refused to send me proof of emails from Barclays to myself stating I owed money on my card. On XX/XX/XXXX I opened a XXXX credit dispute. The results of that investigation removed the late payment discrepancy from my credit report. When I started a XXXX dispute on XX/XX/XXXX I received the results of this dispute on XX/XX/XXXX stating that the information was accurate. Since the two investigations should have been the same. the Late payment should be taken off all of my credit reports. 

Thank you so much

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 2021-11-27
Company: EQUIFAX, 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 have sent in letters over 30 days ago and still have not heard back from the credit bureaus this is a violation of the FCRA this is unacceptable please remove the negative items from my report at once XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed inaccurate account information with Experian that was on my credit report. They responded at the end of their " investigation '' saying that they verified that the information was indeed accurate and up to date. Upon further examination, I notice many contradictory errors in regards to the derogatory accounts. I pulled my report directly from Experian, not a reseller. I've attached and notated all the errors and inconsistencies on my report. I reached out to the furnishers of this information to gain more clarity, with no success. So I requested that Experian share with me the documents that they should have in my file regarding these accounts, with no success. These accounts are inconsistent, inaccurate, and unverified and are causing me undue XXXX  and XXXX  XXXX. I'm trying to resolve this issue. But I know my rights and the law. I just want Experian to abide by the law as well. I also sent them a letter that the addresses that had on file weren't mine and also inaccurate. But again they refused to correct my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: U.S. BANCORP
State: LA
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 since 2017. I still have Louisiana XXXX XXXX XXXX, us bank, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX  and a few other still reporting that these accounts are owned or are charge-off I filed a report with the FTC and they are still sending me to collections or suing me for the monies owned on these fraud accounts. I had paid all the accounts off in 2017. Then I got rob at XXXX time in 2017 all my cards were stolen and my social security card they even filed false income taxes with my social security number. Recently in XXXX all these creditors reported again to all credit bureaus and it s all on my reports like new information! everything PLEASE HELP! I  will be going to court again in XXXX for one of them suing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery XXXX at XXXX XXXX XXXX. XXXX, FL XXXX alleges I owe them {$3500.00} and has been sending me collection notices. The company is reporting the collection past due. I do not know this company and have never done any business with them. The company dose not have a contract with my signature or and proof to Validate I owe them.

Company response to consumer: Closed with explanation