BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX and Account name : XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: 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 am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the XXXX  reporting is the same accross the report. I need this removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Asset Acceptance has failed to provide me a copy of statements after mutable attempts, Asset Acceptance have not given me a copy of records of all payment that I have made with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
On XX/XX/2020 and XX/XX/2020, BK OF AMER add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-27
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX i mailed my 1st dispute via certified mail XXXX to XXXX, PA XXXX marked delivered on XX/XX/XXXX at XXXX XXXX. They responded in a letter dated XX/XX/XXXX saying they were unable to process my request. I resubmitted dispute which tracking XXXX shows delivered on XX/XX/XXXX. The completely ignored my request until my 3rd letter they received on XX/XX/XXXX via XXXX. They responded in letter dated XX/XX/XXXX which surprisingly stated our records show that we have previously completed an investigation as verified by data furnisher. When in fact they stated on XX/XX/XXXX letter saying unable to process my request and my 2nd letter was ignored? I am confused. Now in this last letter they mentioned the rule " As outlined in the FCRA, unless you have additional relevant information that supports the change you are requesting ( i.e., a letter from creditor or courthouse .... ) we are not required to reinvestigate the same item again at this time. '' My 4th and final letter which I will attach contained a letter from US Bankruptcy Court Office of the Clerk XXXX District of Florida dated XX/XX/XXXX. My letter was once more ignored. Recently, I applied for credit and was denied due to this information. Upon receiving my report as requested from them dated XX/XX/XXXX, this public record is still not removed USBK Court XXXX Florida. I have been more than understanding with the changes with COVID-19 might delay processes but the rules are the rules and now I believe that I have been taken advance of. They have failed to maintain the regulations and I need this public record deleted. Thank you!

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 2019-03-20
Company: FIRST ADVANTAGE CORPORATION
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
First Advantage did a background for XXXX on me, and found that my social security number suposinlgy, isn't mines. I just did another background check with another agency for another position along with this work @ home, XXXX position. It was just fine. I used the same social security card as I have used all of my life. What I am being informed just isn't making sense ... The letter I was mailed by First Advantage, Consumer is stating a law, without stating what the law is that made me ineligible. Please, have this investigated. 
I have already had alerts put on my credit reports alomng with other actions taken. I wold really appreciate if XXXX can have this cleared up, so I can continue to enroll in a XXXX course for their work at home positions. My questions are where did " First Advatage, Consumer '' get their information from that they  passed on to XXXX? 

Also, I would like to have it investigated to be sure no one is using my soical security number especially from any former addresses. Have reported & issued freeze on my credit reports. Please, also make sure ntohing else was done with my social security number especially form a XXXX XXXX XXXX XXXX, XXXX, PA XXXX address. I wasinformed about possibly, having property in my name. I would be a 1st time home buyer, if I ever decide to buy a home. I do not own any property. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have contacted BMO Harris in regards to XXXX credit cards that I did not receive and was instructed to file a police report for fraudulent charges made on the XXXX credit cards. On XXXX XXXX, 2015 I was told to file a police report and that once the police report was received a resolution would take 7-10 business days and replacement cards would be mailed. On XXXX XXXX, 2015 I submitted the requested documentation and have contacted BMO Harris several times to follow up on the situation but when I call I receive different information as to what is going on. The very long hold times and lack of current updates have become very frustrating. I just want this issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions 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 am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the XXXX  reporting is the same accross the report. I need this removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For at least 2 years ( likely a lot longer because I have turned to relying only on XXXX and XXXX ), I have unsuccessfully tried to get my Credit Report from EXPERIAN. It is impossible, and I believe it is impossible because their information about me is so totally inaccurate. 

For example, today I AGAIN tried to open an online account to be able to correct information on my report held by Experian. However, on the prompt from EXPERIAN for me to provide my BIRTH DATE and my SS #, an ERROR occurs. To be honest, it appears that data is SO WRONG in my Credit Report Data maintained by Experian, that THEY DO NOT RECOGNIZE MY BIRTHDATE AND SOCIAL SECURITY NUMBER so I am unable to open an online account relevant to verifying my Credit Data with Experian! 

This is Extremely distressing, since EXPERIAN is a Credit Reporting Bureau. 

It is time that EXPERIAN CORRECT the apparently BASIC information they have WRONG about me, Information like my Birthdate and Social Security Number! Thus, I can not even access the data they have about me to identify and correct the information they have wrong. This indicates MY DATA WITH EXPERIAN IS EXTREMELY COMPROMISED!! 

I am trying to access Experian to put a fraud flag on my Credit! Because of the issues above, I CAN NOT DO THIS! 

Note ; I have NO issues with XXXX and XXXX. 

Experian is UNTRUSTWORTHY and SHOULD NOT BE MANAGING MY CREDIT, IF THEY CAN NOT even AUTHORIZE MY BIRTHDATE AND SOCIAL SECURITY NUMBER.

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 2021-02-17
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
disputing this account XX/XX/XXXX this is not my account i have never had an apartment and never authorize this account XXXX is reporting this wongful account on my credit report this is name of the account XXXX amount {$1000.00} this is a fraud account

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: JPMORGAN CHASE & CO.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In  XXXX   2012, I w ent to   XXXX   XXXX    XXXX  on  XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX  for   XXXX   XXXX   appointments. I agreed to a total of  XXXX  appointments for a total of {$3800.00}. After the first appointment, I found that the service was unacceptable and never took advantage of the remainder services. I was advised that the service would be removed or it could be transferred to other services. As I did n't transfer the services, I assumed it would be removed. Now I am applying for a mortgage only to find that now only was n't it removed but it was referred to collections without having any notification. I want the amount refunded, the account removed from collections and the negative reporting removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Delmarva Collections, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
delmarva collections of XXXX md - XXXX XXXX XXXX XXXX XXXX md XXXX - XXXX this company is trying to collect a debt i believe i do not owe. i am not aware of any debt i should owe to one of their clients - XXXX XXXX XXXX {$24.00}. delmarva 's internal collection account number is XXXX and the disputed date of the disputed service is XX/XX/2018. i sent a letter to delmarva collections requesting information on the debt they claim i owe. i asked for information not an investigation. i asked for information that the federal trade commission expects collectors to provide as per 1.5 u.s. c. 1681 fair practices for debt collectors. 

i received a letter dated XX/XX/2018 from delmarva stating reference to their internal collection account XXXX they claim that i did not provide enough information about my challenge to this disputed debt. when in fact - i provided everything they could possibly need - i disputed the debt as " service not received '' this is easy to understand - they also state that they are refusing to provide me the information -- they must provide based on the previous stated ftc rule. i expect either for them to provide me this information about the disputed debt or release the debt from my name. this is unfair debt collecting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX / XXXX XXXX Balance : {$440.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX Balance : {$30.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$30.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: Exeter Finance Corp.
State: TN
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:
These accounts no longer mine. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature to be sent to me upon receiving this letter. 
ORIGINAL CONTRACT PAYOFF DISCLOSURE INTEREST RATE DISCLOSURE BALANCE HISTORY PAYMENT HISTORY CREDIT INSURANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Issue: Transaction issue

Complaint:
I had a corporate credit card with American Express through my former employer, XXXX XXXX XXXX. My card number was XXXX. I was retired from the company on XXXX XXXX, 2015. I turned my credit card in to the company account administrator on XXXX XXXX, 2015. I filed my final reconciliation with my company on XXXX XXXX, 2015. Unknown to me, on XXXX XXXX, 2015, someone charged XXXX X {$35.00} = {$350.00} to reinstate XXXX Points to my account. American Express says this was done " on line '' but AMEX can not identify who did it. I do not believe that I did this in any way, as the " reward points '' are only approximatekly XXXX miles and are certaily not worth {$350.00}. I had a phone conversation with AMEX on this topic on approximately XXXX XXXX and specifically told them I did not want to reinstate these points as they were not worth {$350.00}. I did NOT go on line after that and order this reinstatement, as I clearly understood it was not worth it. Someone at AMEX must have done it XXXX AMEX says they have no record of who did it XXXX. In any event, I do NOT want these miles to be reinstated, and I have been telling this to AMEX ever since I saw my latest bill around XXXX XXXX. I want a reversal of these charges. 
AMEX has told me twice they would reverse the charges ; most recently yesterday XXXX XXXX XXXX, 2015 XXXX by a customer service representative named " XXXX '' at extenstion XXXX. Then I am told they will not reverse the chrages because my account is closed, which makes no sense because they are still billing me for this - my account is closed in the sense that I ca n't make more purchases, but it is not closed in the sense that AMEX still is billing me for something I clearly do not want and they can not show that I ordered ( because I DID N'T order it!!!!! ). 
Please help he with this. AMEX has a complaint case number on this. It is XXXX. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to the credit bureaus ( all 3 ) on multiple occassions asking them to investigate this account XXXX XXXX XXXX Acct # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked them each time to investigate this account as it was not reporting accurately. However, they continue to not investigate nor are they putting in comments that i am challenging this accounts accuracy ( Disputing it ). 

Below are the issues that are wrong with this acct : 1. As you can see 2 of the 3 credit bureaus are reporting NO balance but XXXX  is still reporting a balance of {$2100.00}. How is this? How is this being reported as a chargeoff each month when i have no balance? 
2. Acct Status : 2 show as derogatory and one shows as paid. This is a paid collection! 
3. High Credit : XXXX  shows a high credit limit of {$2200.00}. XXXX  shows a high credit limit of {$0.00} and Equifax shows a high credit limit of {$2000.00}! How can this be if this is the exact same account? 
4. Credit Limit : XXXX  and XXXX  both show {$2000.00} and Equifax shows {$0.00}? 
5. Comments : these are all different and NONE of the credit bureaus show that i have been challenging this! 
6. Date Last Active : XXXX shows XX/XX/XXXX, XX/XX/XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. How can this be accurate? 
7. Date of last payment : XXXX  shows XX/XX/XXXX, XX/XX/XXXX shows XX/XX/XXXX and Equifax shows XX/XX/XXXX. 
8. Payment history : the payment history is inaccurate on this as well! 

How can this be? Isn't the information on my credit report ( good or bad ) supposed to be accurate, verifiable and truthful? I have been telling all 3 credit bureaus since XX/XX/XXXX that this account is inaccurate and that if they could not fix it with accurate info that they needed to remove it. 

I am attaching screenshots of the most recent screenshot of my credit report from XXXX where the account is still inaccurate!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Plus XXXX just reported an outstanding collections with XXXX of XXXX stating I owe a medical bill. This bill was paid/settled out and was to be removed from my credit file. Now I am closing on a home loan and can not now due to this inaccurate information listed. I need some quick help.

Company response to consumer: Closed