BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: NRA Group, LLC
State: DE
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:
Account XXXX NATIONAL RECOVERY AGENCY XXXX Account number XX/XX/XXXX Date Opened Collection account. {$1500.00} past due as of XX/XX/XXXX. 

I have disputed this several times, however, XXXX keeps allowing it to stay, but has never once shown me any proof that i am responsible for this account. I have had state medical coverage for years. I should in no way be held responsible for this balance when state insurance covers anything! What i also don't remember is even going to the hospital around this time. That's what information i have requested. Proof that XXXX obtained anything signed by me, from this creditor. It's been almost a year and still no proof. This needs to be removed from my credit asap!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF IDENTITY THEFT AND POLICE REPORT FILED. I NOTIFIED THE CREDIT BUREAUS NUMEROUS TIMES SUBMITTED ALL NECCESSARY PAPERWORK TO THE BUREAUS AS THEY ASKED AND THEY HAVE NOT REMOVED THE FRAUDULENT ITEMS THAT THEY WERE DIRECTED TOO. I SPELLED OUT EVERYTHING FOR THEM CIRCLED THE ITEMS ON MY CREDIT REPORT BUT THEY DISOBEYED THE LAW AND FAILED TO REMOVE SAID ITEMS DETAILED IN CREDT 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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom It May Concern, While checking my most recent Transunion credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 


TRANSUNION DID REMOVE ALL UNAUTHORIZED INQUIRES AND XXXX NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES

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 2019-07-29
Company: Experian Information Solutions Inc.
State: NV
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:
I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting, therefore it must be deleted asap XXXX XXXX CU 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 2018-05-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian continues to report an address on my report that I have never lived at. I've disputed this multiple times and they will not remove. The address is not registered with the US postal service nor is it valid and I've never had a lease at this address.

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the XXXXederal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
inquires 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: Affirm Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX I was contacted by Affirm regarding a manual withdrawal. The manual withdrawal was supposedly processed on XX/XX/2022. I expected the return 1-5 days after the manual withdrawal was processed. I have proof regarding the unknown banking error and the failed return to my account. They contacted me now theyre trying to indispose of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Experian Information Solutions 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:
Not ever was permission granted or requested, to track, list, store, report, gather, or handle by any means any information with regard to XXXX XXXX XXXX. If any documentation exists that shows any such permission has been granted or otherwise authorized, let it be stated : under false pretenses and without full disclosure were these contracts acquired. 
Furthermore, with regard to statements made by creditors or government agencies of all type, that claim liability and or levy against XXXX XXXX XXXX, let it be as stated : these are all in violation of public policy as XXXX XXXX XXXX is exempt from levy ; XXXX XXXX XXXX COMPANY 1933.

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 2015-10-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was a victim of identity theft/fraud. Without my knowledge, all of my accounts were compromised at some point. By the time it was brought to my attention the damage was done and the account was sold. I reached out to XXXX, XXXX XXXX XXXX , XXXX and provided the sufficient documentation they needed in order to conduct their investigation. their investigation has been completed and they stated that I 'm no longer responsible for this debt due to fraud and has deleted this account from my credit report. They also advised me to reach out to XXXX to have them remove this account as well so I did and the only advice i receive is that they no longer own the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 ordered an entry table from XXXX I did not receive the item for a very long time. When I did I received socks from XXXX. I tried calling the number at the bottom of the website ( XXXX ) XXXX and some man picked up and said the company was a scam. I called capital one with the dispute and have received the absolute worst service every. They contacted the company XXXX  and they said I ordered a table cloth! Which is not what I ordered. I provided the email receipt and capital one will not support my claim. They hang up on me. I explained that I called the number on the site and they said they wanted documentation. I asked how to provide it besides giving them the number off the website or providing them with a call log and that was not what they wanted. But they would not help explain how to provide what they could use. Please help me with this claim. I am extremely frustrated and disappointed in capital ones customer service and the fact that I was hung up on twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07
Company: TCF NATIONAL BANK
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
A bank account with TCF Bank had a hold placed upon it on XXXX XXXX, a hold that was placed as a request to " close '' the account was processed. 
Subsequently two more checks were deposited into the account because the close never went through, on XXXX XXXX and XXXX XXXX. 
TCF instructed the complainant to submit a notarized, overnight-ed letter with account information where the funds should be deposited. That letter was sent, and the funds were never transferred. 
The complainant then called TCF again on XXXX XXXX, and was told that they had mailed the check sending the funds for the XXXX XXXX deposit. That check arrived on XXXX XXXX. During the same conversation, was told they would cut and mail a new check immediately to transfer the funds from XXXX XXXX deposit. 
As of today ( XXXX XXXX ) that check was not received. XXXX ( XXXX XXXX ) TCF was called again, and said they were unsure whether or not a check had been mailed ( although more than 10 business days had passed ). Was told to pay for another notarized letter to be sent to TCF, at which point they can cut him a check for the remaining funds. 
It has now been 28 days since TCF has held onto complainant 's funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: LJ Ross Associates
State: IL
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:
It has been well over 30 days, and I have not received any investigation results. I have filed a dispute in regard to the incorrect items on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties. THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Byrider Franchising, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
well its a long story but apparently the got the documents showing we were filing for chapter XXXX with affirmation of vehicles and they came and took the car husband went after them all the way to XXXX ar and they wouldnt let him get his things or anything and making him pay to get it out and wont let him and wont work with us jd byrider XXXX ar XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Io, 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:
Receivable management systems a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to XXXX and XXXX : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by receivable management systems. I am an XXXX XXXX service member and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to XXXX and XXXX multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am going through a divorce, and I am required by law to provide 5 years of credit statements to my husbands lawyer. The divorce is dragging out & getting difficult, and I can not afford to make my minimum payments anymore. I explained this to them right away, and apologized to them a lot. I then explained what I needed to do, 5 years of monthly credit statements ending on XXXX XXXX 2016. The date I called wasXX/XX/XXXX at XXXX XXXX, ( XXXX ) XXXX, the call lasted 50 minutes & 6 seconds ( it 's on my phone ). I was bounced around between 5-6 people, the last one a supervisor, who was very condescending in her tone & attitude towards me. My divorce lawyer clearly explained to me by law the creditor is required to provide me this information. The women who I spoke to, and was suppose to be a supervisor actually said to me I had to provide her with a subpoena for that information! I asked her how was I to serve them from a county court in PA, when I had no idea of their address, or where they were?!! She also did not proved me that information. I had a court hearing in a very short time from then that day, they were the only creditor who refused my request! I had been on my phone forever, was clearly upset & desperate, I begged them over & over for help & compassion, that woman said she 'd put me on hold to help me, after 14 minutes, I had to hang up, so I would n't be late for court. I was so stress out that later on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did a XXXX transfer of money just like I've done for years and it still isn't in my Mountain America Credit Union account. It was on XX/XX/XXXX for {$590.00}, I even paid a {$9.00} fee to make it an instant transfer to pay my mortgage, and now have an over draft charge and this will lead to more overdraft charges for my auto pays if its not there very soon. I spent hours on the phone with XXXX, and they say it went just like it always has with no issues on their side. XXXX suggested I call Mountain America Credit Union, so I did, and spent hours with them saying they can't find my {$590.00}. I have proof on the XXXX side that I receiced the money and it was transferred to my Mountain America. Neither institution admits to having my money. I don't know what to do to get my money in the bank to cover my obligations. 
Please help me! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: EQUIFAX, 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:
Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX  XXXX  XX/XX/2018XXXX  XX/XX/2018XXXX XXXX XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2014, a default judgement was entered against me by Weltman, Weinberg & Reis Co. LPA. I called them and immediately set up monthly payments to pay off the judgement. I made all of these montly payments and then didn't hear from them again until now - 4 years later! Now, they say that I owe an additional {$290.00} and have garnished my wages in order to get it! I have NO idea where this additional amount came from or why on earth they waited FOUR years to come after me yet again! I called them and spoke to 2 different people and nobody seems to have their dates/amounts right at all! This seems HIGHLY suspect, bordering on illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, INC.
State: PA
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 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 charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and i have also enclosed copies of the federal trade commissions Identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation