BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
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:
Identity Theft Police Report and False impersonation was filed with local police department XX/XX/XXXX For Deceptive Collections Practice False impersonation. All verified and certified original documents sent to all 3 # Credit Agencies. And all 3 # XXXX, XXXX, Equifax have not complied with the FCRA nor the CFPB.And a result of these agencies neglection to abide by federal law guidelines, I have dealt with denial 's, of bank 's, Home loans, and business credit lines do to the rogue ness of these agencies.Knowledge of these fraudulent Verified Accounts where found XX/XX/XXXX and I personally started to contact all 3 # agencies with my findings and correct information XX/XX/XXXX identity theft Cpbf FCRA and Police reports where certified and express mailed to all 3 # credit agencies neglection. I continued to follow up from XX/XX/XXXX to XX/XX/XXXX with certified mail of cease and desist letters police reports Cpbf reports and identity theft reports. Failed to complied. All documents are certified and copied of all activities with XXXX, Equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, 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:
Accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus has stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is very inaccurate, also the date last reported is not accurate. This ground for removal they have also violated my rights under 15 U.S.C 1681 section 602 A : States I have the rights 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 Also the credit bureaus took more than 30 days to complete my investigation below I have attached my certified mail tracking numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report when I notice XXXX in resurgent was on my credit report. I never had a account with them and I would like to get this totally deleted and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Titanium Funds
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Titanium Funds have reported my vehicle as paid off as of XX/XX/2022, this has negatively impacted my credit score as all of my on-time payments have not been recorded since XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There was an insurance check deposited in my account. Wells Fargo threw up a red flag on the chat instead of them, contacting me and trying to exalt the problem. They close my whole account checking and savings. It was a bad report on my credit history, and it was not even my fault. closing my account and not allowing me to fix whatever the problem was or the company to fix whatever the problem was my account was closed. Money was took from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: MN
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:
My credit has drastically dropped XXXX points in one day. The reason for this ( according to XXXX XXXX ) is a balance DECREASE to an account ( XXXX XXXX ). All accounts are in good standing, no missed payments in the last 3 years. XXXX will not help with reasons why this has dropped. XXXX calculations are not correct according to their factors : a balance decrease should not NEGATIVELY affect a credit score. XXXX refuses to look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: TN
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 dispute for an account on my credit that I do not own. I do not have a signed contract with XXXX XXXX XXXX, nor has any documentation been provided. They have never loaned me any money. This account needs to be removed from my credit 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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, in the process of purchasing a home and due to these circumstances it is stopping me from moving forward in life and acquiring a mortgage loan. I notice that there is unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose. I do ask that under the Fair Credit Reporting Act and violation code of US CODE 15 USC 1681b ( 2 ) as well as the violation of my rights to privacy that this is removed from my files immediately. 
Thank you 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 non-monetary relief
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX account shows as placed for collection. Both XXXX and XXXX have removed this account from my report as it is not mine. Transunion continues to report this 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 non-monetary relief
Consumer complaint received 2022-12-22
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
So my bank has changed 3 times in the past 8 yrs. Started out as XXXX XXXX XXXX, then to XXXX  XXXX XXXX and now First Interstate Bank. 
They are constantly over draft my account. They constantly authorize transactions without my permission just to overdraft me and they leave transactions pending for weeks on end just to overdraft me. I'm sick of it. They say it's okay with what their doing but yet their being sued by other people. 
They all ready have lawsuits against them for this very reason. XXXX XXXX First Interstate Bank First Interstate bank in XXXX, OR XXXX is conducting fraudulent acts on every person with that bank. Im changing banks as of the 1st of the year I don't have exact dates but I can print everything out and give you dates that way

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My XXXX certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: ID Analytics, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have communicated to them and sent couple of request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: Commercial Acceptance Company
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX without any prior notice to me the collection agency reported to all three credit bureaus I owe for a medical bill that was paid or shouldve been paid by workers compensation furthermore I never received any notices from the debt collection agency I learned of this debt XX/XX/XXXX when I reviewed my credit report and noticed my credit score decreased

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Received notice from credit report XX/XX/XXXX and contacted Synchrony Bank identify theft and XXXX still has not resolved. XXXX still open and XX/XX/XXXX called Synchrony Bank disagree and reopened. Filed police report XXXX and sent police report with FTC report to XXXX XXXX  XXXX In XXXX keep receiving phones call and statement harassment from Bank. XXXX and I called XX/XX/XXXX and remailed police report. 
In XXXX XXXX and I called together and XXXX XXXX and mailed FTC report, police report XX/XX/XXXX, XXXX XXXX XXXX XXXX. XX/XX/XXXX we called bank reopen investigation. I am not able to be answered phone because hospitalizations. Then I received collection letter.

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 2023-04-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account with Chase Bank that I opened in the summer of 2022. Chase offers a service to deposit checks using a smart phone by taking pictures front and back. I noticed that Chase is not crediting the funds deposited for up to nine days. I visited the Chase branch location at XXXX XXXX XXXX, XXXX VA XXXX and spoke with two women there. One provided her business card to me, XXXX XXXX. Both ladies said that it can take up to XXXXne month to " process '' my deposit. I spent 15 years in banking in the XXXX. This can not be true. The checks deposited were from large commercial banks, XXXX XXXX and XXXX and the like. Chase seems comfortable with this as a policy. Is there policy legal? What can be done about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and have been a victim of identity theft for over 25 years. I have a current police report I sent to Chex Systems currently on file. The following reported information and inquiries viewed only by you currently listed and showing on my Chex Systems Consumer Report : XXXX are fraudulent and not my bank checking account or inquiries : XXXX XXXXXXXX XXXX XXXXXXXX. Account Number : XXXX, Account balance : {$16000.00}, Account Closure Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX I have never opened or had a checking account with XXXX XXXXXXXX XXXX  The XXXXXXXX XXXX XXXX is a fraudulent account and not my account. The inquiries are fraudulent and unauthorized inquiries. They arent my inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/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 2022-12-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The rep I spoke with never ifs herself or the debt in question. I asked to speak to a manger numerous times, was Put on hold for XXXX minutes, same rep came back, again asked for manager, never transferred me to XXXX and eventually hung. Did not give mini XXXX or record disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX & XX/XX/XXXX I was denied and furnished with 2 hard inquires. I was falsely misled and deceived into applying by advertisement with deceptive emotional ploys by email and physical mail as well as advertisement through XXXX and I was not given proper disclosures about hard duplicate inquires. I feel very discriminated upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: MS
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 had pulled my credit report because i am trying to buy a house and i noticed i had damages on my credit report. according to the 15 u.s.c 1681 law there should not be any damages on my report, and it is a defamation to my character.

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 2023-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Company reported late payment. Late payments are " transactions '' that are ILLEGAL to report. In accordance with the fair credit Reporting act Capital One, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card/auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We opened an account with JP Morgan Chase and at the time they withdraw {$2000.00} from our XXXX XXXX Account and we made a {$2000.00} XXXX from our XXXX account. They closed the account and they are holding the funds. They asked us to send a proof where the money came from and we did fax to them our statement and up to today they say they have no response yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: DISCOVER BANK
State: CA
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:
I am writing to report that my identity has been stolen and used to open credit cards under my name. I recently returned to the country after an extended period of time abroad and discovered that these accounts had been opened without my knowledge or consent. 

I have taken the necessary steps to address this issue, including filing a police report and working to clean up my credit. However, this identity theft has caused significant financial and emotional stress for me. It is alarming to know that my personal information has been compromised and used fraudulently without my knowledge or consent. 

I urge the FTC to take this matter seriously and work to prevent identity theft from happening to others. I also request any assistance that the FTC can provide in helping me to resolve this issue and restore my credit to its previous state. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: SYNCHRONY FINANCIAL
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I informed XXXX about a transaction of {$240.00} charged on some traveling website. XXXX with in 10 minutes they declined my transaction. I worry they have not even tried to verify transaction of the person who the ticket is under name of. What is going on?

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