BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: JPMORGAN CHASE & CO.
State: MO
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 have noticed that JPMCB have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested JPMCB and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b )  for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Florida XXXX XXXX account # XXXX I paid all of my bills on time, the car was current at the time I voluntarily returned it. Ireturned the vehicle in excellent conditionand was told that if I returned it it would not be placed in collections. I had a total remaining balance at the time of voluntary surrender of vehicle of {$2300.00}. The report says that I owe a balance of {$6200.00}, that is inaccurate and I was assured the the balance would be forgiven as long as the car vehicle was returned in good condition. The company violated the terms of our agreement for returning the car by reporting to a credit bureau. They sold the car within 3 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I got an email stating my wells Fargo business account has been closed I tried to contact them there was no help

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 2020-08-07
Company: CCS Financial Services, Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX and CREDIT COLL ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 don't recognize this inquiries, i never applied for it.

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 2020-08-07
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection notice from Receivable Solutions , Inc. dated XX/XX/20. Yet, I received the notice on XX/XX/20. I also didn't receive a past due notice from the provider, XXXX XXXX XXXX prior to the collection notice. Due to Covid19, payment arrangements were made on the account to pay XXXX XXXX  monthly. In addition, the amount of the balance on the account is {$170.00} not {$220.00}. I paid {$50.00} on my account online on XX/XX/20 Receivable Solution used abusive collection tactics in failing to confirm the amount and whether a past due notice was mailed to me prior to placing this bill on my credit file, which has caused creditors to reduce my credit limits. I will be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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:
The following ( XXXX, Experian, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs XXXX XXXX XXXX XXXX XXXX and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( AES/PNC XXXX XXXX opened XX/XX/2005 XXXX {$0.00} )

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 2022-01-26
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:
This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$19000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. ( XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2016 Balance {$19000.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, 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 information incorrect

Complaint:
I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. XXXX   shows the last active date as XX/XX/XXXX but Equifax says XX/XX/XXXX while XXXX  says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
To Whom It May Concern : This letter is regarding US BKPT CT IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. 

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. 

Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent a letter to Transunion disputing the validity of items on my credit report these items were inaccurate and reported in error on my credit file. I contacted the source where the information was coming from and they could n't give any lawful explanation to why the items was reporting inaccurately in error on my credit report. I then contacted Transunion and asked them to remove the item because its an inaccurate error but Transunion refused to delete it and said they had verified it. I asked Transunion the details of who they verified it with and their method of the verification. Transunion ignored my request and continued to report the inaccurate items on my credit report. I reached out to an attorney friend of mine and the FTC and they both informed me that Transunion had to give proper lawful validation to the items they were reporting and have to make sure they are accurate without errors. I learned that according to the FDCPA and FCRA Transunion has violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. 
Below are the accounts reporting inaccurately in error. Report Number:XXXX XXXX XXXX XXXX acct 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 2016-01-05
Company: First National Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
All information matches except for the last four of SSN ( XXXX ). The SSN they have on file ( XXXX ) is not mine but the name, address, phone # is correct. I have requested that they remove me from there dialer and cease contact with me until they can prove this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX and original creditor XXXX XXXX XXXX XXXX  appears on my Transunion credit report without notifying me 5 business prior to being reinserted. This is a violation of FCRA rules section 1681.

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 2020-08-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Macy 's Credit Card issued by Macy 's through Department Stores Nat. Bank. 
I used this credit card only in Macy 's and always paid it monthly in full and on time. I do not use any credit. 
Suddenly in XX/XX/2020, they charged me a {$28.00} fee for Late Payment. I did not owe them any money. I called them and asked them to cancel this undue charge and to cancel the card. I do not have any card debt and can not afford any charges. They accepted verbally to cancel the {$28.00} fee and to cancel the card. 
To my surprise, they continued to charge the card with Late Fees and Interest. 
To this date, they have charged {$150.00} ( Late fees for {$140.00} and interest for {$4.00} ). 
They have kept the account open against my will to charge fees and interest. 
This is clearly an attempt to collect money from a person who does not owe because she is not buying anything. Apparently they want to increase the account with more charges each month until the amount increases to thousands of dollars. I refuse to pay this or any amount they charge in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from AD ASTRA RECOVERY. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have several inquiries that I did not give consent to run my credit. Please remove this from my Credit Report. I have no knowledge of these inquiries, these are inquiries I have no account of. I did not give any permission to run my Credit. Transunion is stating that " inquires are factual record of file '' without properly investigating. How are these FACTUAL RECORD OF FILE when I have contacted most of the creditors listed and they have explained that they have no account nor knowledge of me doing business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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: Investigation took more than 30 days

Complaint:
I have disputed a fraudulent hard inquiry now twice in the last few months after noticing it on my Equifax report. The first time I was never notified of result. This second time I received a letter from Equifax that they are continuing to investigate and could not get in contact with the company making the inquiry. The company making the inquiry on XX/XX/2020 XXXX XXXX, when I good them, they are a scam company. 

Two requests to dispute the inquiry, and several months later, no action is taken to remove this inquiry that the Equifax originally says on my account should have been gone from report after 3 months - it's still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Student Loan Finance Corporation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was XXXX years old, right out of high school, I wanted to be XXXX and decided to try the XXXX field. Texas XXXX XXXX was about half a mile away, I went in to check it out. They sold me the world, told me how much money I could make if I signed up, they said I would travel the world and could make salaries from XXXX p/y. I was very confident, they failed to mention that average XXXX make XXXX $ XXXX $ p/h first few years. With XXXX in possible debt, they should have mentioned that. I 've struggled ever since, was the worst decision I ever made. Now I owe the student loan finance cooperation around XXXX in debt and its growing I 'm sure. I refuse to pay because I ca n't use the college credits I achieved in any other college, not even XXXX colleges accept them now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2020-08-07
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:
Transunion is reporting inquiries on my account that I do not recognize. Including ; 1 ) XXXX XXXX- inquiry date XX/XX/2020, inquiry is being reported inaccurately, no permissible cause, no loan or credit has been extended, a violation of FCRA rules section 1681. 

2 ) XXXX  - Inquiry date XX/XX/2020. Inquiry is being reported inaccurately. No permissible cause, no loan or credit has been extended, a violation of FCRA rules section 1681

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