BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
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:
Account XXXX showing on my consumer report, associated with Fraud. Advised by XXXX I have been removed from Financial Responsibility.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Opened a secured credit card at XXXX XXXX with XXXX $ limit in XXXX. Soon after I moved away from the college I was attending and lost/ forgot about the secured card. It showed up on my credit in XXXX. Which I paid in full. The associates I spoke with agreed to delete the account entirely as it was secured and paid in full. I have Called XXXX XXXX, all XXXX credit monitoring companies and it will be deleted then pop right back up. This XXXX $ card needs to be removed as promised

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: Ability Recovery Services, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of this year, I pulled my credit report and found a collection account for XXXX XXXX College. My id was stolen in 2013 and I 've been battling with that since then. I contacted XXXX XXXX and sent my police report. They rectified the situation. About a month ago, I pulled my credit report and found a collection account for XXXX XXXX for XXXX XXXX. I filed a complaint with the BBB. XXXX  refuses to remove the account. The person I 've been in contact with is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXXXXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XX/XX/XXXX I have purchased a XXXX  XXXX banknote which was sold on XXXX by overseas located seller. 
In XX/XX/XXXX I have called Capital One and inquired about it guarantee policy and I was told that the all products are guaranteed for a period of 2 years. 
In XX/XX/XXXX I have the banknote graded and found out that the note although sold as original is counterfeit. I have communicated with the seller who admitted buying the fake banknote on auction in the XXXX with intention of selling it on as original. The documentation along with the communication with the seller was presented to Capital One as dispute which I opened in XX/XX/XXXX. Subsequently the Capital One assured me that they take consumer protection seriously and opened the dispute with the seller while granting the temporary {$80.00} credit. I was told that the bank will reach out to the seller to present their own version of events and confronted with the evidence provided to Capital One. However and without warning the bank after opening up the dispute in what appears to be a bad faith so it can analyze the legal liability for assisting sellers selling fake currency, closed the dispute without warning and took the credit back. When I inquired about this I was transferred to XXXX different people on XXXX call with the last person stating that the dispute was " out of the statue of limitations. '' 3 Questions : 1 ) why is the bank aiding and abetting illegal sales of counterfeit currencies which break US and international laws?

2 ) why is the bank opened the dispute in bad faith so it can gather info about its own liability instead of taking care of the customer?

3 ) why is the CFPB and other GOVT organizations allowing banks to break US legal statutes ( including provisions of the Patriot II Act ) that fight illegal transfers of money and counterfeit currency sales?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 find it unacceptable that there are public records on my credit 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 non-monetary relief
Consumer complaint received 2022-04-30
Company: Global Lending Services LLC
State: MA
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 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 reporting 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 153 consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/2019 a purchase at XXXX XXXX XXXX # XXXX in XXXX XXXX, Tx for {$67.00}. On XX/XX/2019 a purchase at XXXX XXXX  # XXXX in XXXX XXXX, Tx for {$2.00}. Fraud report filed # XXXX. XXXX XXXX 's in XXXX XXXX, Tx. Informed that there is no XXXX XXXX in XXXX XXXX with the store number of # XXXX, # XXXX. Called the card company several times, but never transferred to the Fraud Division. XXXX XXXX XXXX    XXXX XXXX number is XXXX (? ). Wrote a letter to the company, no response. Card replaced!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: NM
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:
The account was in charge off status on my report from XXXX and experian I disputed the account and it was removed from Experian but not XXXX. In XX/XX/2020 it began to show as an open account and as current which dropped my XXXX  score down over 120 points. As of XX/XX/2020 the account reappeared on my experian account showing open and current! I have not And will not ever paid on this account as my XXXX ex husband fraudulently obtained this loan! It has gone from XXXX usd to over XXXX usd I can not afford to pay this loan due to Covid-19. I have no supporting documentation that this account was open fraudulently as I have no contact with my XXXX! However if you look at the history of the account you will see it should not be reported as open and current!

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 2020-12-09
Company: Experian Information Solutions Inc.
State: DE
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:
IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: NY
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:
I have not supplied proof the Doctrine of Estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.

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 2021-08-17
Company: Netspend Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Mail from all access meta bank came in saying that I have opened an checking account and it also came with a debit card. 

I have never opened a bank account by this name

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 2020-12-09
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:
The other two credit reporting agencies, XXXX  and XXXX  corrected the XXXX XXXX XXXX XXXX negative credit reporting based on the same information that I sent Experian. EXperian failed to change my payments to " OK '', like the other two agencies, thus creating a lower score by more than 30 points in comparison to the other two credit reporting agencies. This is malicious and irresponsible behavior from Experian. There was data available, but they want to live by their own laws in the state of /california XXXX 
I want the months that Mention " ND '', to be changed to Ok and my credit score increased accordingly.

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 2022-04-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bread Financial ( Comenity ) does not properly disclose that withdrawals are limited to {$5000.00}. Accordingly, for example, a consumer may deposit {$200000.00} and then not have access to the funds except in {$5000.00} increments. I believe this bank is fraudulently inducing consumers and in violation of fedeeral law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Genesis FS Card Services, Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have an inquires from this company on my credit report from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX that I did not authorize. The company is called Genesis Financial Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: NY
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 notified Equifax that I am a victim of identity theft, and there response is that I am a third party. I am not a third party, I am person, and I XXXX XXXX state that I am a victim of identity theft who is submitting this complaint myself. and give authorization to Equifax to look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: FACTUAL DATA CORP.
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 have 2 hard inquiries on my credit report dated XX/XX/2017 and XX/XX/2017 from " XXXX XXXX ''. I don't know who this company is or why they ran my credit twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX recently pulled my credit reports to my shock to find that had not one...but FOUR collections accounts on my otherwise stellar credit reports from United Revenue Corp.These accounts had different account numbers and alleged amounts they say I owed. I have no knowledge of this company and don't recollect ever doing business with them or signing any documents or contracts agreeing to pay them any amount. So then why are they reporting negatively on my bureau reports?I feel these are all clear violations of the FDCPA.And if these are medical bills they are trying to collect and they aren't a medical facility why then would they have access to my information or billing?That is a clear HIPAA violation as well.The accounts in question are: # XXXX  for $XXXX# XXXX for $XXXX# XXXX for $XXXX# XXXX  for $XXXXPlease show proof of ownership and agreement to pay these accounts with original not photocopies of documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Despite the student loan moratorium AND having asked for a forebearance to stop the harassing calls, I was still making payments as I was able. In spite of all that, in XXXX my servicing agent Navient reported my loans as 90 days late. Ive asked them to remove it, they refuse. How can they report a loan as ( not 30, not 60, but 90 days ) late during a loan moratorium. Its destroying my credit and preventing me from being able to secure a new lease on my apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a validation dispute letter to Enhanced Recovery Company on XX/XX/21 to validate an account that they placed on my credit report on XXXX  and XXXX. They have not responded as of today. I also contacted XXXX, which on the credit report is stating was the original creditor, and they have no records of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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've called to get issue resolved but didn't receive the right help. inquires that are not associated with any account was not authorized by me. i would like for them to be removed immediately please.

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 2020-10-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check using credit funds from a different bank ( i.e., XXXX ). These cash advance checks were sent to me by XXXX. I had approximately {$15000.00} of credit remaining on my XXXX Account, so I wrote a check for {$5500.00}, not knowing that my " cash advance '' allowed amount was only around {$1700.00} ( there was NO information enclosed with the checks that they sent me stating this ). Consequently, the check did not clear. I phoned XXXX and spoke with a customer service agent who informed me ( erroneously ) that my cash advance amount was only {$5200.00}. So I wrote another check for {$4900.00} and deposited it again to my Fifth Third Bank checking account. Once again, the check was returned by XXXX. Today upon phoning XXXX I spoke with a supervisor ( name : XXXX ) and she disabused me of the previous erroneous information that I was provided. She informed me of the {$1700.00} limit, apologized, and refunded all charges associated with the return of the two checks. Almost immediately after the first check was not honored, Fifth Third LOCKED my account!!! Now hear me : this is an account that my Social Security checks are directly deposited to!!! I have phoned Fifth Third several times. Spoke with a customer service person named XXXX, even met with her once in person. She was very personable and has tried hard but has been unable to resolve this. I believe that the manager of the branch ( located at XXXX XXXX XXXX XXXX, XXXX, IN, XXXX ( must be quite intractible and wholly unappreciative and irrational. I have been banking at this branch for YEARS and have paid them hundreds of dollars annually in fees, etc. To treat me like this is far below what I have experienced at any other bank OR AT THIS BANK previous to her tenure as bank manager. Pretty hard to fathom how they can lock an account after two mishaps as described above. I am preparing a complaint with the Federal Reserve after I submit this one as well as any other appropriate entity that interfaces with banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: MS
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 Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 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 2021-11-29
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to you because I have recently reviewed my credit report & I found several discrepancies in the below accounts you are reporting.Please fully validate the reported information below and remove anything that you can not provide signed, original contracts for that correlates to the accounts in question. 

1. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$790.00} XXXX. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$3000.00} XXXX. Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX : {$1100.00} You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report. You are required to do this under the FCRA 609/611 provisions. Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, ( XXXX XXXX )

Company response to consumer: Closed with explanation