BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I received a notice from MYFICO stating that an collection account on my credit report has showed updated. In the update it states that I put in a dispute of the account. I never submitted an dispute with the credit bureaus because this collection company violated my rights as a consumer by not submitted written documentation to me stating that they were placing a collection account on my credit bureau, that being said they never gave me the opportunity to send the collection company a letter of validity. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602A states I have the right to privacy. ( violated ) 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Not only did they violate my rights but several inaccuracies are report in each bureau. In TransUnion the Collection is stating that is is open. In XXXX the collection states closed. In XXXX it states open with a different date of opening. The Fair Credit Reporting Act also states that anything report on a consumer credit bureau must be 100 % accurate and this is not.

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 2017-09-05
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
A credit card has not been open but there was no other category for me to report this issue. Since XX/XX/XXXX to present, there have been repeated attempts through XXXX to open a Chase credit card in my name. The request is not approved as more information is being requested and because I already have an XXXX Chase card. The problem is that I must call several times a month every time I get a letter, go through the whole process, reopen a fraud alert, and neither XXXX or Chase have changed their process. I am told by the fraud folks at Chase, this is a known issue and they are waiting on a fix but in the meantime I must call every time, have the request to remove from my credit report, and extend my fraud alert. Both XXXX and Chase should know this is repeated against my name and Social and advise the person requesting that the request can not be open and to call a special toll free with Chase fraud or XXXX I should be sent notification that another attempted occurred, no action needed, and they have me protected. This should n't be that difficult to flag my SSN and since I do have a fraud alert, why does n't XXXX or Chase change what they have communicated to me or the person requesting the card. In addition, I have moved and the notices from Chase are sent to my old address since that is what the fraudster is using for the new applications. This shows a clear lack of agility by XXXX  and Chase to handle the increasing fraud attempts. While I am happy that no card had yet been issued, if I did not already have a card with XXXX Chase, and if I was not calling every week to close out new requests that one would have been issued. 

Update XX/XX/XXXX I now have over 20 applications and Chase/XXXX has yet to improve their process and I am required to call in every time, file a fraud alert, and they have yet to improve their process to detect these fraudulent applications. I should not be held hostage to their lack of investment in fraud detection and their excuses around inability to prevent an application. They should react both to my fraud alerts and have a special flag for my account based on over 20+ fraudulent attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: ENOVA INTERNATIONAL, 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:
Beginning in XX/XX/2021, I disputed this account with both the Credit Reprting Agencues and the collection compoany. I still have not recieved any replues. I have since noticed that it is now listed on one of my reoirts as 120 days late, although my " Settlement Offer '' was never accepted by the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: VA
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:
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items are deleted to correct my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: VA
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:
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items are deleted to correct my credit report. 

XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7200.00}

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 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 XX/XX/XXXX I initiated a credit card-Visa dispute with Bank of America ( Case # XXXX ) regarding a lawyer overcharging billable hours. I waited a week or so with no word from BofA regarding the dispute. When I called and reached a Dispute Resolution CSR, she informed me that any messages regarding this dispute went to my husband, XXXX XXXX, because he opened the account, even though it was charged to my credit card, with my name in the billing info. I opened the online account, I put it in my name, because I take care of our banking, so my husband 's name is not on the online account. She told me I would have to open an account for him. When we tried to do so, we found we could not, and we could not get help from BofA doing this, it was mission impossible. So, any messages regarding this dispute were addressed to my spouse, who's name was not on the online account. On XX/XX/XXXX I received a letter from Bank of America informing me that I had until XX/XX/XXXX to submit documentation on this matter, to an address in XXXX XXXX, Texas. I was not given but a few days to respond. I sent my documentation on XX/XX/XXXX, Monday. I received a letter from Bank of America on XX/XX/XXXX informing me that they had not received any documentation and they were closing this dispute. I was not treated fairly. I have been given the runaround like this from another credit card, I am familiar with the pattern, and what they do. They don't send documentation until the last minute, and then claim that I sent the info too late, or they didn't receive it. So, in essence, A lawyer price-gouged me. I disputed it. Bank of America REFUSED to do its job, which was honor a system in place to assist their customers with unethical business practices. The bank piled on with more unethical business practices. My claim was denied, because Bank of America claims they never received follow up correspondence from me. My letter was not returned, I believe they did receive my documentation. We have done business with them since XXXX, and after 48 years of loyalty, this is how we're treated. We took out a home equity loan, and mortgaged a house through them, have four accounts, including this Visa card, and this is how they show their appreciation to us, by piling on with unethical business practices, a lousy runaround.

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 2022-07-16
Company: Experian Information Solutions 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 information incorrect

Complaint:
All 3 credit reporting agencies show inaccurate information on my reports. My student loans are consolidated into XXXX accounts. I requested that the individual accounts that are transferred and closed be removed. I have accounts that have inaccuracies in dates open and last active reporting. I am making the effort to clean up my credit report to prepare to buy a home in the next 6 to 12 months. I would like to take definitive steps to improve my credit report and need the cooperation of the credit bureaus. I sent correspondence on XX/XX/2020 and some items were deleted. I filed a personal address dispute with Experian this month and they will not remove addresses that are not mine.

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 2021-04-14
Company: EQUIFAX, INC.
State: CA
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:
My Equifax credit report changed my name to name of some other person with similar spelling and included unrelated addresses in my report. This happened last year. 
I have wrote twice to Equifax with proof of my identity and name. However they did not correct my report nor give my any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX received a notice of an attempt to collect an alleged debt from Sunrise Credit Services , Inc. Sunrise Credit Services has not provided adequate documentation for me to validate my obligation to the alleged pursuant to 15 USC 1692g.

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 2017-09-05
Company: Experian Information Solutions 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 obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be permentantly deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: IN
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:
I contacted all 3 bureaus to remove old and inaccurate information off my reports back in XXXX. Only XXXX and XXXX were the only 2 to remove and update my account Experian refused to follow suit. So since then my account has been reporting like this and I havent been able to see my reports for XXXX and XXXX. I pay {$20.00} a month for the Experian membership, I have contacted all bureaus and no one seemed to help or fix the situation

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 2022-02-18
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I've been disputing this debt for a few months now, and I've written letters and sent them to the bureaus and the company itself. I sent a Debt Validation -609 letter to bureaus dated XX/XX/2022 for the inaccurate items listed under my account which is giving a negative impact on my credit report. I also mailed the Method of Verification -MOV Letter for ff up verification. 
It's more than 30 days and I haven't received any response from my previous letters. I believe it is my right that these derogatory accounts should be deleted due to inaccurate information reported under my account.

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 2018-05-25
Company: Ocwen Financial Corporation
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We have sued Ocwen and it's in litigation. The phone reps continue to harass daily for payment when none is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CITIBANK, N.A.
State: KS
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:
Sent a follow up letter to citi bank about my identity theft with their company on XXXX and still have not heard back from them.

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 2018-05-25
Company: Experian Information Solutions Inc.
State: TX
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:
CRA violation no knowledge inaccurate Name, Address, Telephone and Inquiries that I did not authorized appeared on my Experian 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 explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX should not be reporting a collection/chargeoff in the amount of {$180.00} to Transunion on the XXXX XXXX partial account number XXXX. ( Please see attached page from my credit report. I have also attached a copy of the payment history. ) This account has in fact been paid and this false reporting of a collection is seriously harming my credit score. This line item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted both XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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 2022-07-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX To whom this may concern, This is a follow-up request from my previous complaint regarding Equifax, XXXX, and XXXX allowing unapproved and fraudulent inquiries remain in my credit file which they manage. Once again, I did not authorize anyone employed by these companies to make any inquiry to view my credit report ; therefore, I formally request that these fraudulent inquiries be immediately deleted from my credit file that they maintain. Their unwillingness, and opposition towards The Fair Reporting Credit Act, has, and still causing adverse effects to my credit file, all of these unauthorized inquiries are hindering my ability to obtain new credit. I request that you validate this information with these companies and provide copies of any documentation associated with these inquiries bearing my signature ; I will appreciate and updated copy of my credit report after corrections are made. 
Unauthorized Fraudulent Items to Be Deleted : 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 XXXXXXXX failure to comply violated 15 U.S.C. 1681n, and 1681o, their breach of my Right To Privacy violated 15 U.S.C 1681 Section 602 ( A ), the furnishing of my credit file information without written instruction violated 15 U.S.C. 1681 604 ( 2 ), and 15 U.S.C. 1681c ( a ) neglecting to put fraud alerts in place to protect my identity. Previous complaints numbers placed with the Consumer Financial Protection Bureau are as follows : XXXX, XXXX, XXXX all relating to this current complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I previously submitted this information to XXXX and Equifax asking them to provide me with proper documentation on how they verified a Bankruptcy showing on my consumer report. They only provided me with the results stating they verified it with XXXX. Well, I have proof that XXXX can't verify this because none exist because it was not mine and was removed from their system. As of XX/XX/2021, there is no Bankruptcy on my XXXX XXXX report and to continue to say they have verified with them is falsifying information and is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Received a debt card from Chime that listed my account number asking me to finish up signing onto my account. I have never had any contact with Chime and never requested an account of any kind with them. I have emailed them on XX/XX/2022 explaining that and requested the account be closed. This comes on the heels of having a credit card stolen on XX/XX/2022. The card from Chime arrived on XX/XX/XXXX. XXXX. There has been no money lost as of yet. Trying to prevent that from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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 XX/XX/2022, I sent off certified letters to the three credit bureaus asking them to properly investigate my credit profile. I asked XXXX, XXXX and Transunion to do a proper investigation and remove any items and accounts that were inaccurate or had errors. After their investigations, some accounts with errors were removed from one agency while remaining on other agencies. The accounts that remained were sent back to me stating that they were " updated/verified '' but the inaccuracies and errors still remained on those accounts. I have the right to correct information or otherwise have those accounts with error be removed from my credit profile according to the FCRA. 

15 U.S.C. Sec. 1681i ( a ) says that if you cant provide proof, then the accounts must be deleted. I want the accounts deleted if theyre not 100 percent right, accurate and correct.

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.

I will attach my letters that were asking for a proper investigation and I will attach the responses of the credit agencies.

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