BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: FL
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:
Hello I recently made a cfpb complaint # XXXX to Experian who has their report number # XXXX. I also previously wrote Experian regarding these same issues. 

It seems in the latest " fix '' explain did one thing I asked, which was to Fix my correct name and only name to " XXXX XXXX XXXX '' however upon looking at my new updated credit report the wrong name of " XXXX XXXX '' still appears on my credit report. 

1 ) Correct Name again is " XXXX XXXX XXXX '' 1a ) Wrong Name again is " XXXX XXXX ''. ( Please Delete along with anything associated with this name which is not me ). 

2 ) Correct Address is XXXX XXXX XXXX XXXX XXXX. 

2a ) Wrong Address # 1 XXXX XXXX XXXX CT, XXXX XXXX XXXX, FL XXXX 2b ) Wrong Address # 2 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX I have lived at no other address in the USA other than XXXX XXXX XXXX XXXX XXXX, for I recently moved here from XXXX ( another country ). 

3* ) Experian shows many things on my credit report associated with " XXXX XXXX '' or XXXX XXXX which again is not me. XXXX and XXXX show " NO CREDIT '' whatsoever, because I don't have any. How can Experian have all these accounts on my credit report that dont belong to me? 

Experian Accounts that do not belong to me : a ) XXXXXXXX Account # XXXX  delete this account not mine. 
b ) XXXX XXXX Account # XXXX  delete this account not mine. 
c ) XXXX XXXX XXXX Account # XXXX  delete this account not mine. 
d ) XXXX XXXX  Account # XXXX  e ) XXXX XXXX Account XXXX XXXX  Delete this account not mine f ) XXXX XXXX  Account # XXXX  Delete this account not mine. 
g ) XXXX XXXX  Account # XXXX  Delete this account not mine h ) XXXX XXXX XXXX Account # XXXX  i ) XXXX XXXX XXXX  Accont # XXXX ALL the above accounts are for the man : XXXX XXXX or XXXX XXXX XXXX or something along those lines, My name is XXXX XXXX XXXX and am not associated with the above person. Again, Both XXXX and XXXX show none of these accounts on my credit report. Somehow Experian has all the accounts under my name " XXXX XXXX ''. 

I have attached Identification again and my citizenship of when I came to this country. 

Thank You 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 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Earlier today, after reading a " restriction '' prompt on both my Capital One XXXX and Quicksilver cards, I just found out that they have closed two of my accounts. 
I have reached out to them this morning and spoke to two account managers. The first person I spoke to was just robotic and unnervingly unempathetic, the second manager had a better tone but both could not give me " FAIR '' option/s. They said that the reason behind the closure was due to the multiple return payments occurred on both accounts. Let me be clear that I respect the terms and conditions, what I do not understand is the lack of communication from them, not even an inch of investigation on what was going on. I have always been on top of my payments, never neglected my accounts because I know that this will affect my credit score. I also reach out to them if problem occurs and tried fixing them. One problem I have is the multiple bank accounts that I have linked to my credit cards, causing trouble in several occasions because I get confused on which account should have been used. Moreover, I have had incidents of compromised banking specifically the ones I have used recently to pay my XXXX card. 
Now, with all these things mentioned, it just unfair on my part that simple mistakes I have committed, even if I am paying them off regularly would result into an unjust closure. Not to mention the many times my Quicksilver was compromised too and had it replaced, not to mention the many times I have experienced terrible services from Capital One due to miscommunication among their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 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

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 2023-12-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
Credit inquiries that I did no authorized 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 explanation
Consumer complaint received 2022-08-28
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: 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. 

XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX XXXX  XXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 conviction 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are currently credit inquiries listed on my report that were not authorized by me : XXXX, XXXX XXXX XXXX, XXXX ( Equifax ) XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) Equifax Mortgage Ser XXXX XXXX, XXXX ( all three bureaus ) XXXX XXXX  XX/XX/XXXX ( all three bureaus ) I did not authorize or benefit from these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: IL
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: AMERICAN EXPRESS COMPANY
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:
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 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 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There may be nothing that is possible to do, but I'm submitting this complaint on behalf of myself and on behalf of anyone else impacted but voiceless : I had a checking account and a savings account with Bank of America. In 2021, during the height of the COVID pandemic, I needed to transfer funds from my savings to my checking more often that is apparently regarded as appropriate for the powers-that-be at Bank of America as my savings account was changed into a checking account -- which was then subject to the monthly maintenance fee. By the end of 2021, in other words, I now had two checking accounts with Bank of America -- both subject to the monthly maintenance fee -- on top of the stress life heaps on anyone during an international pandemic. I want the money they took back. 

There seems to be something distinctly inhumane in this business practice -- and I'm hopeful something can be done -- but more specifically I'm wondering if there was any kind of moratorium on these kinds of " business as usual '' practices during the vulnerabilities of the pandemic that might have precluded an entity from taking punitive measures -- such as penalizing an account holder for transferring money between savings and checking accounts, even if that is Bank of America 's " normal '' policy. 

Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. 
I contacted XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 

15 u.s.c 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c section 602 A states I have the right to privacy I request that you investigate all inquiries listed above on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, 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 explanation
Consumer complaint received 2022-04-25
Company: JPMORGAN CHASE & CO.
State: NY
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:
I filed a claim with CHASE on XXXX XXXX the matter is still unresolved. Unauthorized ACH payments from our joint checking account in the amount of {$21000.00} to XXXX between XX/XX/XXXX and XX/XX/XXXX remain in dispute. CHASE notified through CFPB that the matter is closed. This is inaccurate and unacceptable. 

After numerous calls to CHASE FRAUD in addition to in person visits to nearby CHASE branch, all of which has included a lengthy and still ongoing review and investigation period, I am resubmitting complaint with CFPB. Additionally, I have filed a police report to escalate recovery of stolen funds as well as to appropriately report the criminal activity and the negligible response from CHASE and counterparts, XXXX and originating bank XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-07-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; CAPITAL XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$50000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$4400.00}

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 non-monetary relief
Consumer complaint received 2022-09-22
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was called by XXXX and told that i had a ZERO balance and the bill would be taken written off since the doctor received an explanation of benefits stating my insurance has paid in full.. I still saw the bill on XXXX and called them back and XXXX harassed me!! Told me I was wasting his time & continued to ignore my question and said no one here told you that do you want to pay or not? I was advised by XXXX XXXX reached out to a XXXX over at the providers office who was the head dog in billing and could verify if a XXXX was really received I then called back to the debt XXXX office where I spoke with XXXX who works with XXXX XXXX XXXX and asked if he was able to provide me with the number to the providers office where XXXX was located he provided me with a number and I called and there was NO XXXX in billing so I called back and spoke with XXXX and advised I would like some clarification since receiving his previous information & he said listen XXXX officially confused me and theres nothing else I can do you gon na pay or not? I asked for a manager and he said no, there is no one here for you to speak with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 15USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CO # XXXX, XXXX and XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX. 

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

15 U.S.C 1681 section 604A. 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 that records of convictions of crimes with 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I was looking to relocate from XXXX to XXXX for a job transfer. Therefore I was looking to find an apartment in XXXX. I applied at XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX where I was approved and was scheduled to move into the property on XX/XX/XXXX I hadnt seen the location in person or anything just applied online. On XX/XX/XXXX I was diagnosed with the XXXX. At this time I was still located in XXXX  and I was XXXX, XXXX XXXX etc etc so I could not drive to XXXX to pick up my keys for the property therefore the property advised that if I didnt come in by the end of the business day I would be in default and charged a relenting fee as well as be responsible for accelerated rent until the property is rented out to another tenant. Which I was 100 % fine with paying the relenting fee, however the property then tried charging be {$26000.00} for the full 18 month lease starting XXXX however I found out someone was occupying the apartment therefore I emailed them advising them that I am aware that someone is renting the unit and that it it illegal to charge double rent in the state of XXXX so the property updated the balance to {$4500.00} but they sent it to collections although the least end date wasnt until XXXX and as of XX/XX/XXXX the property is STILL be occupied and the property is still attempting to charge me the balance although theres no indication that whomever is in the unit is vacating. My attorney with XXXX XXXX sent out a notice on XX/XX/XXXX to Cease and desist to both the collections and the property and the property NEVER respond neither did the collections agency. Prior to me getting an attorney involved I sent the collections Rent recovery located at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX documentation advising the property is still charging accelerated rent for XXXX and they advised me to send the documentation so I sent the documentation and called them back numerous times after being notified that the documents were received and they NEVER answered back as theres only ONE person that ever answers the phone with the name of XXXX. I finally poke with XXXX months later and she advised they hadnt heard back from the property, so how are you charging me for a debt you can not verify neither was verified before you attempted to collect the debt? Both parties have been unresponsive in this matter and my credit is affected as well as its affecting my lively hood as I lucky to get a place to stay before it went on my collections but current property lease ended XX/XX/XXXX and the rent went up which is not affordable for me therefore I could not renew the lease and I am paying the new rent of {$1300.00} on top of {$250.00} a month to do month to month as I can not rent anywhere else with this on my credit. Im hoping this matter can be resolved quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
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 have contacted this bureau a total of five times. They were contacted on XX/XX/XXXX  twice, Once on XX/XX/, once on XX/XX/23 and finally on XX/XX/. 
Every time I called, my request was the same. I asked this bureau to remove the comments from an account. To date, the comments still remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is 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 non-monetary relief