BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a letter to all 3 credit bureaus about removing unauthorized inquiries from my credit profiles. I only received a " verified '' response. I sent a follow up asking who did they verify with. No response. On XX/XX/XXXX I again submitted to have these unauthorized inquiries removed from my credit reports and and yet again they come back as verified. They have done no due diligence in verifying these. I have contacted the companies themselves and they do not have anything with my signature or ID attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICOLLECT HAS A ACCOUNT ON MY CREDIT FILE THAT IS NOT MINE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
JPMCB CARD SERVICES placed an inquiry on my XXXX credit file dated XXXX/XXXX/2022. and it's against federal law ( Fair Credit Reporting Act - 15 U.S. Code 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not request personal credit from you and only requested business credit using my XXXX and not social security number. Furthermore, I was told supplying my social would be a soft pull and used only to verify my identity however, this is now a hard pull on my credit report for credit I never personally applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC Violations Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX {$560.00}

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 2019-10-27
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: Investigation took more than 30 days

Complaint:
In XXXX I purchased a vehicle from XXXX which was all the way at the time. It was a used XXXX XXXX XXXX financed through XXXX. In XXXX, The vehicle was repossessed. Although I have contacted Equifax and disputed information on the report they are still reporting XXXX in the full balance as if we still have the vehicle. The vehicle was auctioned off in XXXX. The original loan was taken out in XXXX. Even if we had a vehicle why are they keeping an account on there for 11 years. And since they took the vehicle in XXXX ; and of course we were delinquent before then it still should not be reported. I am tired of fighting with Equifax and if this doesnt work I am going to look into hiring an attorney to go after both Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$160.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$83.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$580.00} ) Its been over 45 days and ( credit bureau ) havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-06-15
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-10
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I ( XXXX XXXXr : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ***, XXXX XXXX XXXX *, XXXX XXXX XXXX XXXX *** and ( Original XXXX : ) 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Someone stole my XXXX debit card when I first went on unemployment the day after I came back from my rescheduled wedding and a week after I found out my dog had terminal XXXX XXXX. 

Someone in XX/XX/XXXX named XXXX then did a mobile app transfer for my {$900.00}. 

I reported the card as stolen and was able to get the second {$900.00} payment out. 

I since then had to figure out which XXXX Bank of America line to call and wait on hold for an hour the day after I put my dog down. 

BoA then added a {$900.00} credit to my account and mailed me a new card. I couldn't transfer the {$900.00} out to my bank account. A few days later, a debit was put on my account and my credited money was gone once my new card arrived. My claim was closed without investigation. 

I since then called their transaction dispute hotline at the end of XXXX again to explain that I haven't received my {$900.00} and was told there was a system bug where any open investigation was automatically closed. He then put an escalation on my account to reinvestigate my claim and said to call back in 10 to 15 days if I did not get anything in the mail. 

Last week, I tried calling again because I have received nothing from Bank of America about investigating or reimbursing me for my stolen {$900.00}. I was told again that there was no timetable for my reimbursement and that they would put an escalation to reopen the claim. 

Meanwhile, I was supposed to have my {$900.00} in XXXX and it's going to be XXXX. There is no timetable of receiving my money and absolutely no acknowledgment that the Bank plans on reopening my claim without proper investigation. The only way to reach them through the EDD Dispute Transaction line is the phone number : XXXX XXXX XXXX XXXX and you have to wait on hold for hours to get through. There's no other way to track the status of your claim. 

I would like acknowledgment from the bank that they will investigate my claim and a timetable on reimbursement. You shouldn't have to wait months to be reimbursed for money you pay into.

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 2022-11-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEM,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CONTINUE TO VIOLATE MY RIGHTS AND VIOLATE THE LAW 15 U.S.C 1681 et seq.  BY FURNISHING DATA  AND  ACCOUNTS ON MY CREDIT REPORT WITH OUT PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT. THEY HAVE NOT PRESENTED PROOF  OF PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT OR HAVE MADE ANY ATTEMPS TO DO SO. MY IDENTITY HAVE BEEN MISUSESED, WRONGFULLY OBTAINED, AND UNLAWFULLY FURNISHED BY THESE COMPANIES FOR FINANCIAL AND ECONOMIC GAIN. I HAVE MADE SEVERAL ATTEMPS ASKING THEM TO DELETE THESE ACCOUNTS BUT NOTHING HAS BEEN DONE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
HERE IS PROOF OF CLEAR AND READIBLE DOCUMENTS THAT CAPITAL ONE AND XXXX AND XXXX CONTINUES TO UNLAWFULLY DISCARD. 
I HAVE SENT CAPITAL ONE MULTIPLE REQUESTS FOR PROOF OF AUTHORIZATION OR WRITTEN INSTRUCTIONS ALONG WITH PROOF OF AGREEMENT WITH MY SIGNATURE AND I HABE NOT RECIEVED ANY COMMUNICATION BACK FROM CAPITAL ONE OR XXXX AND XXXX SHOWING PROOF OF AUTHORIZATION AND WRITTEN INSTRUCTION OR MY SIGNATURE PROOFING AUTHORIZED TO OPEN THIS FRAUDULENT ACCOUNT WHICH I HAVE SENT DOCUMENTS ( SEE ATTACHED ) POLICE REPORT AND FTC REPORT BEFORE REQUESTING REMOVAL OF THIS FRAUDULENT DOCUMENT THESE COMPANYS HAVE ONLY REMOVED SOME BUT NOT ALL WHICH WAS REQUESTED IF ITEMS WAS NOT REMOVED THEN I SHOULD HAVE RECIEVED A DOCUMENT WITH PROOF OF AUTHORIZATION OR PROOF OF WRITTEN INSTRUCTIONS TO PROVE WHY THESE OTHER ITEMS WAS NOT REMOVED. SO ONCE AGAIN THIS IS PROOF OF COMMUNICATION AND CLEAR AND READBLE DOCUMENTS SENT TO CAPITAL ONE WITH ALL REQUIRED DOCUMENTS TO ONCE AGAIN INVESTIGATE AND TO PROVE AND SEND ME WRITTEN OR AUTHORIZATION WITH MY SIGNATURE OR THE PROOF OF AGREEMENT PROVING I AM THE ONE WHO OPENED THIS ACCOUNT AND SEND ME PROOF IMMEDIATELY IF YOU CAN NOT REMOVE THIS FRAUDULENT ACCOUNT THEN ONCE AGAIN SEND ME PROOF OF AUTHORIZATION IF NOT REMOVE AND DELETE FRAUDULENT ACCOUNT FROM CAPITAL ONE XXXX AND XXXX FILES IMMEDIATELY IF NOT YOU WILL BE ACTING IN WILLFUL NON COMPLIANCE, YOU WILL BE VIOLATING MY RIGHTS, AND MOST OF ALL DEFAMATION OF CHARACTER AND DAMAGING OF MY CREDIT REPORT AND MY LIVELIHOOD SO PLEASE DO WHAT IS LAWFUL AND FAIR AND EQUITIBLE TO ME AS A CONSUMER ( POLICE REPORT AND FTC REPORT ATTACHED ) PROOF OF READBLE AND ALL REQUIRED DOCS FOR REQUESTING FRAUDULENT ACCOUNT BE INVESTIGATED AND REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from XXXX, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
In XX/XX/2023 XXXX XXXX marked me 60 days late on my mortgage payment. This is false information. I tried contacting XXXX XXXX numerous times and also contacted transunion XXXX and XXXX. Nothing has been done. A lawsuit is next

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 2019-01-26
Company: Experian Information Solutions 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 have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document Experian and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, Experian stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have Experian be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX had removed a few but keeps putting them BACK on my report. XXXX   removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.

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 2023-08-26
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:
I kindly request the immediate removal of unauthorized inquiries related to identity theft from my credit report. According to FTC laws, I have the right to a 4-day removal process or such issues. I request swift action to rectify this matter. Thank You! 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 2019-01-26
Company: NAVY FEDERAL CREDIT UNION
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 have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX  had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I revived a letter stating that I had opened an account with XXXX  and that I had a outstanding bill. ( {$420.00} ) in XX/XX/XXXX I received another letter.

2 accounts in Collections Account Name Original Creditor -XXXX Open Date XX/XX/XXXX Balance- {$420.00} Debt- {$420.00} Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX This is not my account, I have not opened this and I believe i'm a victim of identity theft..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
We made an agreement for close this loans, I did made the payments of {$3800.00} in order to close this account, I have proofs of everything, you Guys close this account for like 1 month and now re opened back again, I do have the title of the car, and all agreements papers for this case, you guys flagged my account and all collections agencies whit no reason, and now is affecting me after I made all this payments, was very hard for me to get the amount of {$3800.00} to close this account in lest than s month, I have XXXX  kids, I have family and we passing through difficult economic times for you guys been playing whit my money like this, this is not serious, If i knew this probably i never payed that, please dont play whit the money of my kids and family because they not eating just because of this and now you doing this to us, this is not supposed to happened, I know credit accepted bank is more serious Thant this!

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