BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: NY
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 six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

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 2022-01-18
Company: CORELOGIC INC
State: AR
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:
This company is reporting inaccurate and fraudulent information on my credit report. I did not give them written instruction to report anything and I opt out of any further reporting. This company has never had my permission to report anything on my behalf, and they are violating my rights as a consumer. This is aggravated identity theft. I never gave this company my information to 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 2022-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I signed up for a software subscription for approximately 6 months. I attempted to cancel the subscription and the software company kept charging me. I emailed the company directly to get them to reverse the charges and cancel the subscription without success. 

I filed a dispute with my credit card company. During the dispute period the software company added more charges on my credit card. Capital One allowed these charges to go through despite the fact that they had been informed that the software company was not authorized to withdraw from my account. 

This subscription is {$220.00} per month and had been going on for a year before I escalated to CapitalOne.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have XXXX accounts XXXX which are five years or older to have them two years and the average is 48 months and they had me down at 32 months of credit age history

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 2019-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

Company is using letter that is trademarked with company letterhead representing participation of Original Creditor to collect debt. Original Creditor states the letter was not sent to collection agency to be forwarded to me as a means to verify debt and they have nothing more to do with that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Harassing phone calls and threating to have me arrested National credit systems, debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I NEED HELP!! I have recently looked at my credit report I noticed that someone was using my information to apply for credit. I live in XXXX I use to live in XXXX. I need to update my correct name and address on my credit report. My Name is XXXX M XXXX. mY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. THE FOLLOWING ADDRESSES ARE NOT MY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX THERE ARE TONS OF UNKNOWN CELLPHONE NUMBERS ON MY CREDIT REPORT PLEASE DELETE : ( 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. I have never had this many phone numbers in my life please delete them they are not accurate.

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 2021-06-04
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
West Lake Services is reporting a debt on my credit file that is no longer owed. I recently took a look at my credit and noticed this debt is reporting on my file. I am aware that this debt is past the statute of limitations in California. Not only that but this debt is past the credit reporting limit and continuing to report this is a violation under the FCRA and the FDCPA.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To : XXXX XXXX XXXX, XXXX and XXXX ; XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX d/b/a TransUnion This complaint serves as my FINAL opportunity to cure and request for Monetary relief. In my previous complaints, I informed you of the laws and rights that you have violated. I informed you that failure to DELETE these accounts would be construed as willful non-compliance. 
To date some accounts have been closed but are still on my credit report, I am requesting that you DELETE ALL closed accounts immediately. 
The account below remains open. How did you verify this account? Please provide the information you received as well as the contact information of the person you interviewed during your investigation. Please be advised verification via E-Oscar is not valid. Other Credit Reporting Agencies have not been able to verify these debts are valid ; XXXX XXXX  None of the inquires have been deleted, PLEASE DELETE IMMEDIATELY As I am always willing to learn, if I am wrong and do not have the authority to make these requests, please provide the law that states so. Id also like for you to provide the contract you have between us authorizing you to have authority over me as it pertains to the information that is furnished on MY consumer report. As stated in the FCRA ; Congress makes it clear that Credit Reporting Agencies are to act in the best interests of the Consumer. 
You are defaming my character and Violating my God-given right to privacy You have violated 15 USC 1681n Civil Liability for Willful non-compliance. 
Because you failed to delete the accounts and inquiries as instructed, I am entitled to {$1000.00} per closed account that remains on my consumer report. Please be advised that your failure to remove the accounts/inquiries and pay the attached invoice will leave me no choice but to take legal action and sue for personal damages, punitive damages, plus attorney and filing fees. I am giving you the opportunity to avoid legal action by correcting your errors.

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 2021-02-20
Company: FirstPoint Collection Resources
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is some XXXX in North Carolina. I live in PA and ive Has insurance for the past two years. I tried to explain that to them and they just send back a letter asking for the money again. the second time I tried to call the guy wanted money and to try to transfer me around and sell me other products. I've got these from a few other states and it says my info is on the XXXX XXXX. They have gotten me for taxes unemployment hospital bills, Pay pal accounts and all kinds of stuff. 
I've already filled out the appropriate forms with the IRS, FTC, I've Tried the attorney General in there state and didn't Hear back and spoke with our state representative XXXX XXXX 's office And they had me call the state rep in North Carolina and i never her back the same happened in Several other states. Ive had bank accounts emptied, taxes filed in my name, phones disrupted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Clarity Services
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:
I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. The inquires from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I previously submitted a complaint that stated the following : I filed an SDI claim with the State of California EDD office. The State of California EDD office issued the payments to my Bank of America EDD debit Visa card and I set up automatic transfers of the full amounts to my bank account ( checking ), however, none of the payments were transferred to my checking account. The payments were supposed to be transferred as follows : XX/XX/2020 - {$89.00} XX/XX/2020 - {$620.00} XX/XX/2020 - {$170.00} XX/XX/2020 - {$400.00} XX/XX/2020 - {$620.00} All of these transactions appear on my B of A EDD card account as transferred however the amounts never ended up in my bank account. 

Bank of America recently decided to reverse their decision and reimburse me for the money that was never transferred. I was eventually issued payment on my B of A EDD card totaling {$1300.00}, however the total amount in dispute is {$1900.00}. This leaves {$530.00} that still needs to be issued to my B of A EDD card and has not been issued yet.

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 2021-03-10
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
a draft was taken out of my account of XXXX fr0m XXXX and then it was returned i was changed XXXX returned fee then another XXXX on XX/XX/21 then ameris bank allowed XXXX to take {$120.00} return fee {$35.00} then they continued to charged {$35.00} and they continuously changed me {$35.00} 4 more times

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: AMERICAN EXPRESS COMPANY
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 am a victim of identity theft. The inquires from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/XXXX, Bank of America Prepaid Services, was contacted by I to file a claim for {$1900.00} that was fraudulently taken from my account on XX/XX/XXXX and XXXX XXXX. Bank of America employee informed me that the claim had been filed and that it would take six to eight weeks for the investigation to be finalized. Fast forwarding to XXXX XXXX with no information communicated to me by Bank of America within the time period that was specified by them, I contacted Bank of America back and was told that my claim was never filed.So then Bank of America proceeded to file a claim that day and they stated that I would be credited my funds between a ten day period of the investigation. Now, three days after ( XX/XX/XXXX ) I am being told that my account has been frozen with Bank of America and that I should contact Unemployment services to have this issue resolved. After I spent four strenuous hours on the phone with them they concluded that nothing was wrong on their end and they don't know why my account was frozen.I contacted Bank of America back to inform them that there was nothing wrong on EDD side and that EDD had emailed them of this alleged non existent issue on the same day they still said there was nothing they can do from me and now my account is frozen without funds to support my basic means of living. I am now completely without any expenses. I inquired about emergency funds and then the supervisor proceeded to tell me there's nothing he can do for me, without even requesting or looking into any action that could of been done on their end.The only thing that the supervisor did inform me was that an action wqs filed by another employee to unfreeze my account but it can take weeks. I am devastatingly at a loss with no fiances to survive because of Bank of America Prepaid, their misinformed policies and horrible customer service representatives. I truly felt as if I followed their rules to the best of my knowledge and gave adequate time for them, to resolve this issue.

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 2021-11-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
So prior to the Child Tax Credit Payment being issued by the IRS in XXXX XXXX, Chase because my account was overdraft by a small amount decides they want to issue a Overdraft Protection Credit to my account so that everyone gets full access to their Payment. Seems great doesn't it but their is a catch behind all of it. 

Is Chase never notified their customers that they where gon na do this and then Chase is gon na turn around and debit the amount back from my Checking Account. I'm sorry to say I did not request Chase to issue any courtesy credits. To me it does more harm then good. I'm told it's a Federal Law that they have to do it, but also seems sketchy that other banks did not issue such a credit to their customers, and it also seems sketchy the credit didn't apply back during stimulus checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Berndt & Associates, P.C.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX .I try to pay this company..I start making payment through XX/XX/XXXX ..The collector say don't worry about the last payment of XXXX..But I was blinded sided by this my account was sold to XXXX XXXX.I try to resolve this account with .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I went to day XXXX a clock to resolve this .But they had no Empathy act all..I told them I had a XXXX XXXX when I lost my job .and act that time I  was In a serious accident that made me no longer a XXXX.I feel nobody will understand until there in shoes.ADA .The little money I save they took. How can a judge let a collector take from XX/XX/XXXX..I didn't like what she said file bankruptcy..Im trying to get back on track and bill a strong credit.not damage and make it hard for me to rent.I pay my on rent and no help from Hud..i asking this company to let me go or make a settlement .like I told the lawyer in court I don't owe this money ... I. wish they would find different judges..Because I think they all friends because they never listen always take the lawyer side. I thought judges are supposed, to say this is a hardship case Dismiss this case.under the law.. Please I hope you can have mercy and help .with no charge .I just want to free from this Loan sharks. Thank you for your corporation in this matter XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation