BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-27
Company: Experian Information Solutions Inc.
State: NJ
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, and Experian refuse to remove inaccuracies from my credit report which have resulted in an inability to be approved for home loans, credit cards, as well as increased interest rates on current credit accounts. XXXX  accounts were charged-off because the debt was not valid, and were removed only to be re-applied to my report on XX/XX/2022. The Dept of EdXXXX account has derogatory remarks that are inaccurate and this account is also invalid and should not appear on my credit report. I have asked XXXX not to share my personal and private information as they have been in violation of 15 U.S. Code 6802 and have not provided the opportunity for me to direct that such information not be disclosed to such third parties ( XXXX XXXX, XXXX, and Experian ). 

I am requesting ALL accounts related to XXXX and XXXX be permanently removed from my credit report. I am also requesting monetary relief for damages caused by derogatory reporting.

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 2017-05-30
Company: EQUIFAX, INC.
State: OK
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:
Family Member ob tained loans fraudulently, has subsequently been  XXXX  and is   XXXX   a   XXXX   term for the crime. Despite numerous submissions of documentation to support this, creditors and credit reporting agencies continue to report inaccurate information causing severe damage and undue hardship with expenses related to higher rates and premiums. Unable to afford further legal fees - desperately seeking resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX, XXXX and experian are reporting multiple inquiries on my account that I never authorized I was a victim of identity theft There are addresses on file that should not be on there Only XXXX XXXX XXXX XXXX XXXX fl XXXX should be on there They are reporting a collection account from XXXX XXXX that does not belong to me XXXX XXXX and experian are reporting a lot of inquiries to whom i dont have credit with and those inquiries need to be removed immediately I already sent in a idenity theft 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 2022-02-27
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Interest Savings Balance is not correct : based on my regular purchases, the monthly due for my XXXX XXXX XXXX purchases, the monthly due for my Special Financing purchases, and my minimum 1 % of my total balance, my Interest Savings Balance should be {$300.00}, not the {$1000.00} Chase has assessed. See attached documentation for details/explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an email XX/XX/22 at XXXX a checking account at Truist Bank was opened in my name. Called them immediately to close the account as this was a result of fraud/identity theft. I then received a notice in the mail dated XX/XX/22 that the closure of checking account number XXXX was finalized. On XX/XX/22 at XXXX, I called a local branch to see if someone opened it in person. XXXX XXXX informed me it was opened online and not in person. Oddly, all correspondence from Truist went to my personal email and my home address. All information on the account matched correctly ; nothing was changed to the scammers information.

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 2016-10-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am filing a dispute with Equifax regarding an item on my credit report. However, the reason for this complaint is not the dispute itself, but the Equifax dispute process. 
My complaint is that Equifax clearly has my credit history and address history. However, when I try to file an online dispute, Equifax asks to 'verify my identity ' by giving me choices among credit transactions which are clearly not mine. As a result, I am told that 'The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX. ' I maintain that this is merely a scam to make it more difficult to file a dispute. I gave Equifax my social security number and date of birth. Correct information ( with one item subject to dispute ) is clearly available on the Equifax web site. 
They gave me choices which clearly do not apply. When I answered 'None of the above ' to all of the questions, I was forced to go to additional trouble to register my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Transuion XXXX XXXX XXXX XXXX XXXX, IL XXXX United States, XXXX, IL XXXX Re : file number XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX Transunion continues to block me from the ability to dispute accounts that are being reported on my credit report by abusive collection agencies with malicious intent who are in violation of the FDCPA. " Legitimate '' proof of debt not provided by any of the aforementioned collection agencies. Transunion may be protecting these collection agencies with no merit. Below are a list of a few collection accounts in which are abusively reporting and ignoring requests from this author. In addition, they have failed to acknowledge the documentation that I have sent them. 



( 1 ) National Credit systems Address XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account ( 2 ) Rent debt Automatic collection Address XXXX XXXX XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$2900.00} Original Creditor XXXX XXXX XXXX 3- 2 collection accounts from 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 2022-02-27
Company: Experian Information Solutions Inc.
State: MD
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 writing to delete the following information in my file. The items 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 also have enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete the items as soon as possible.

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 2019-02-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX//19, I posted on XXXX looking to buy tickets for a concert in XXXX, TX. I received a direct message from XXXX user @ XXXX saying he had tickets and to name a price. I offered him {$40.00} USD and he accepted. I initially asked if he had XXXX but he said no, and told me to send the payment through PayPal instead. I sent {$40.00} USD to XXXX and since the payment was not instant, he asked me to send the payment again. I asked for a refund of my original transaction and a screenshot for proof. He provided the screenshot of the processing refund and said it would be available in 1-3 business days. 

When I tried to send {$40.00} USD a second time, the PayPal website started glitching so he told me to use the mobile app instead. I downloaded the app and when I went to start the second transaction, PayPal informed me that the recipient would be receiving the payment in XXXX XXXX dollar ( NZD ) which is suspicious considering the concert I plan to attend is in the United States. I told him I was no longer comfortable making the transaction to which he responded : " oh its because my paypals a business paypal lol i have a lot of currencies on it ''. I told him that this was sketchy and I was no longer interested, and he proceeded to block me on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-17
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I checked my account balance on XX/XX/19 and my total payoff amount was {$6500.00}. Then I checked it again today and the balance went up to {$6500.00}. This is infuriating. I feel this is criminal activity and I demand to know what is going on. By the way I also just made my payment today as well XX/XX/19. I emailed XXXX XXXX XXXX to find out what is going on and have not heard back. These people are crooks and they will do anything and everything to get your money. They have no problem partaking in illegal activity it seems. BUYER BEWARE ... ..DO NOT FINANCE THROUGH XXXX XXXX XXXX ... ..AKA ( WORLD OMNI FINANCIAL ). if there are any current class action lawsuits against Toyota for this type of thing I will certainly be taking part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
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:
In accordance with the Fair Consumer Reporting act XXXX XXXX allege account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX  : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Only XXXX XXXX I received two debit cards in my name to my home address which I didnt open myself. I went to the bank and see and it turned out to be a result of someone taking my SSN, address, birthday, and all other personal information. I filed a police report XX/XX/2022 and also submitted an Identity Theft Victims Complaint to the company. The company has since closed both of those accounts but I received a notification today on my security apart app that they were seeking more information about me today online.

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 2022-07-08
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX and XXXX, I learned through my credit monitoring services that someone applied for and was approved for an account via XXXX XXXX and the credit inquiry was from XXXX XXXX and I did not open any accounts. I spoke with a representative at XXXX XXXX on XXXX who confirmed that an account was opened in my name and informed me that they would close the account and put a fraud alert on there. I have not been able to get in touch with them since that time as the " system is down ''. I contacted Equifax who put a freeze on my credit report and a fraud alert. I was advised to contact the XXXX and file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit.

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 2022-02-27
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:
There are numerous of credit inquiries on my credit reports that I have not Authorized I only have open accounts with XXXX for my homes, XXXX XXXX for my car, XXXX for my car, XXXX XXXXl for my car and XXXX XXXX for my car. Other than that all other inquiries need to be removed My name is also XXXX XXXX XXXX all other names need to be removed My social ends in XXXX all others need to be removed immediately as it is causing my credit to report false info Please update my only address to reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The credit bureaus are also reporting XXXX XXXX  and this is a HIPPA Violation, this should not be reporting onto my credit report as well as the information being reflected is inaccurate and must be deleted

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 2015-05-15
Company: Debt Recovery Solutions, LLC
State: VA
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:
XX/XX/2014, my husband and I submitted a letter to Debt Recovery Solutions , LLC to provide proof of a debt they were trying to collect on from XXXX. In XXXX, my husband called XXXX and they stated they had to record of such debt. 

We received a letter dated XX/XX/XXXX that our debt was held by XXXX ( same information, no proof that we owed the debt ). I called XX/XX/XXXX and spoke to XXXX about the debt. He said XXXX XXXX would call me back that night. She did n't. 

I called again on XX/XX/XXXX to follow up since I had n't heard anything. Spoke to XXXX. He said that XXXX XXXX was on vacation. I asked if she were on vacation for the past XXXX days. He just stated she 's on XXXX. He tried pulling up the account. He initially said that he could n't pull up the account with the account number I gave him and wanted my social security number. I refused to give it. He tried the account number, brought it up and looked at the account. I explained that I want, not verification of this debt, but PROOF we owed the debt. He simply verified that we lived in the house and that we had this phone service. I explained that when my husband called in XXXX, XXXX told him they could not find any record of such a debt and we 're looking for proof. If they can prove the debt, we 'll pay it, but otherwise we do n't feel it 's a valid debt. 

In the course of this interaction and asking for proof, XXXX told me that the burden of proof is on me, that they do n't have to prove I owe the money. I explained that from my research, it seems they need to be able to prove I owe the debt. He said that he would have a manager call me back in XXXX hours, but I pointed out that I 've already waited XXXX days for a return call. I have asked that they provide a letter from XXXX stating that we owe this debt, not just to verify the debt. 

XXXX eventually said, he was n't going to talk about it any more and said he was going to cut off the call, which he did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My XXXX credit card was discharged in a bankruptcy XX/XX/XXXX.XXXX had the financial contract for the credit cards when I opened XXXX in XXXX. XXXX sold to capital one XX/XX/XXXX same year I went BK. Then Capital one sold XXXX credit XXXX XX/XX/XXXX. I was discharged XX/XX/XXXX with no liens for creditors. 
Then Capital one started thru XXXX hounding me saying I had to return my secured debt. That XXXX XXXX had a statement saying everything on the credit card was a secured debt. Even through Nothing from XXXX was mentioned. Then I received receipts which were doctored. Not my signature not account numbers. It also had my grandfathers signature and not his account numbers on the receipts.My grandfather died XX/XX/XXXX but XXXX has all his account numbers. my grand father did not have a XXXX XXXX Card XX/XX/XXXX, XXXX gave me a receipt for a XXXX XXXX card number under his name XX/XX/XXXX. My grandfather opened a XXXX XXXX card XX/XX/XXXX and it was closed immediately because it was a fraud since he was in a XXXX home. My mother was Trustee. He bought my mother a dishwasher and computer XX/XX/XXXX Which he paid for except for {$100.00}. All the receipts are made up. Then they gave me a receipt for for a TV I bought XX/XX/XXXX on a 36 month which as paid. But it broke down XX/XX/XXXX and I had a XXXX warranty policy so they exchanged the Tv XX/XX/XXXX. They want the warranty money back say it is secured and the TV which was bought XX/XX/XXXX and paid not XXXX. I have the original receipt. They keep sending me letters and I keep telling them it is a fraud. Nothing was said in bankruptcy. No complaints. XXXX XXXX was my lawyer and was a recently retired trustee. XX/XX/XXXX Capital one started again and XXXX XXXX office had talked XXXX and then they started again. Capital one does not have the XXXX debt that was sold XXXX. XXXX said not right, ignore. I just got my credit back do not want it ruined. Can you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: SC
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:
XXXX, EQUIFAX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING EQIFAX, XXXX AND XXXX TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: TX
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:
FCRA VIOLATIONS : NOT MINE : REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX : DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX ( XXXX ) XXXX Education DEPT OF ED/XXXX ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education DEPT OF ED/XXXX  ( XXXX ) XXXX Education XXXX  Phone number not available Education XXXX  Phone number not available Education XXXX  Phone number not available Education XXXX XXXX XXXX XXXX XXXX, TX XXXX REMOVE : XXXX XXXX ( XXXX ) XXXX Credit card XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX : XXXX XXXX Phone number not available Charge Card XXXX XXXX ( XXXX ) XXXX Credit Card XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuous calls through out the night and day at all hours. 
I have reported that the person they are looking for does not have this # anymore. Their Representative XXXX was VERY Rude and Confrontational. He would not give his last name and made derogatory remarks when I told him I was going to file a complaint and said that I would be wasting my time because it would NOT do any good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: Risecredit, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$500.00} from the company that advertises regularly on television called RISE. I paid them back  five m onthly at {$160.00} / month.   Now they want a further {$750.00} in " interest '' that was n't made clear to me at the beginning.

Company response to consumer: Closed with explanation