BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Original complaint # XXXX In the original complaint I asked for one thing : Remove or explain an incorrect address. 

The response I received : " In your correspondence, you advised us that we are reporting an incorrect address to the credit reporting agencies. Unfortunately, I can not substantiate this claim. '' So where did the address come from, and why couldn't it be removed? 

If there was no supporting documentation to substantiate the address, wouldn't an easy fix to be remove it? Instead of hours of time and $ $ spent by XXXX, their fraud department, XXXX XXXX, CFPB, and myself ( although I'm not on the clock and getting paid for this exercise in futility ), the address was never substantiated. 

When did I question the validity of the account? That was thoroughly researched but was never questioned to my knowledge. The false statements or downright lies on behalf of XXXX by your representatives provided in the original complaint were just fyi. In case anyone cared how the employees talk to ( current, former, or future ) customers.

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 2022-07-30
Company: Linebarger Goggan Blair & Sampson LLP
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
She called my phone and said she was with a law firm and had information to provide me. She then asked for my address and I provided it to her, she then said that there was another address on file. If I wanted the information I would need to provide my older address to retrieve it. Once I told her that I didnt remember it, she hung up. When I called back I was given their website, https : //www.lgbs-ert.com/ and was told it was a collection agency by the automated system. When a representative got on the phone I asked why I was being contacted since their website says that they work for the XXXX city tolls, but when I gave them my license plate, they said there was no collection for that plate. I then told her that they contacted me. After she, the same person that called me, looked it up by my number, she told me she wouldnt tell me why I was being contacted since the address I proved was wrong. She also said that they may have the wrong person then hung up on me. The phone number she used is XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act OFFICE OF THE ATTY GEN # XXXX, has violated my rights. 

Under 15 U.S.C 1681 e ( b ) and 15 U.S.C 1681i ( 5 ) this account is in violation not reporting 100 % accurate, it list that child support agency as a furnisher that illegal and its forgery. Its misleading when the courts doesnt report this type of account. Its also in violation of permissible purposes, I havent given anyone direct or written consent to report this account on my credit report which is also another federal law violation. I demand for this account to removed from my credit report immediately. 

In accordance with the Fair Credit Reporting act XX/XX/XXXXT # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act US DEPT ED # XXXX, #, has violated my rights. 

In accordance with the Fair Credit Reporting act DPT ED/XXXX  # XXXX, #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act OFFICE OF THE ATTY GEN # XXXX, has violated my rights. 

Under 15 U.S.C 1681 e ( b ) and 15 U.S.C 1681i ( 5 ) this account is in violation not reporting 100 % accurate, it list that child support agency as a furnisher that illegal and its forgery. Its misleading when the courts doesnt report this type of account. Its also in violation of permissible purposes, I havent given anyone direct or written consent to report this account on my credit report which is also another federal law violation. I demand for this account to removed from my credit report immediately. 

In accordance with the Fair Credit Reporting act XX/XX/XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act US DEPT ED # XXXX, #, has violated my rights. 

In accordance with the Fair Credit Reporting act DPT ED/XXXX  # XXXX, #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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.

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 2020-04-17
Company: DISCOVER BANK
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 information incorrect

Complaint:
Dear XXXX  : I received a credit report in the mail to today, and I spotted an issue with the charge-off trade line on the report : Discover Financial Servi XXXX Reason : Balance is incorrect and according to my records you have the funds to payoff the account how can this be a charge off? 

Im not sure how long it will take to fix these issues, but I will wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went on to Rocket Mortgage 's website to look into a home loan, I was just doing an initial inquire. They called me and put me on the phone with XXXX XXXX to talk about the mortgage. This call was recorded, XXXX assured me 2 times that the credit report was a soft pull and would not show up on my report. I checked my report today and it shows that this was in fact a hard pull. I did not consent to this and am very upset this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
To whom it may concern. i have several different issues Wells Fargo accidental closed my secured card this action that was not my fault affected my credit score drastically in a very negative way.

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 2022-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Chase bank My checking account XX/XX/2022 unrecognized transactions {$990.00} {$1000.00} Total {$1900.00} I reported to chase but my fraud claim was denied. 
Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07
Company: ONLINE Information Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX & Online Information Service has deleted information off my credit report & then added it back into my credit report. Iknow according to the USC ( United States Code ) that is an violation to my rights,,,, to be specified citied under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX  accont XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect.

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 2023-11-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was reviewing my credit report and there are some fraudulent accounts appearing on my credit report. I will list the items below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated.

This is the item I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted 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 non-monetary relief
Consumer complaint received 2022-12-07
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Someone fraudulently opened a Home Depot credit card in my name and charged over {$9000.00}. I contacted Home Depot credit services when I first received the statement in the mail ( and multiple times since ) and provided them all of the information they requested to mark this as fraud ( I also filed a police report and reported to the credit agencies and froze my credit ), but XXXX XXXX is still refusing to acknowledge this as fraud and says I am liable for all of the expenses. Is this legal for them to do this?

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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXXt accont XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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

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 2022-12-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX reported a collection attempt for {$720.00} from XXXX XXXX in Texas ( through XXXX XXXX ) I live in Florida and this account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TD BANK US HOLDING COMPANY
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:
In accordance with fair credit reporting act. This creditor has violated my rights. 
under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account information without my written instructions. Under 15 USC 's 1666b a creditor may not treat a payment under an open consumer credit plan as late for any purpose. 

TD Bank Card Late Payment Reported on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a billing statement from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX citing they representing Discover Bank on an alleged credit card debt I owed. 

The demand was responded to within 30 days to which I requested the debt be validated in addition to providing me what legalities this firm has to attempt to collect a debt against me in the State of GA and if they are licensed to practice collections or law within the State of GA to provide proof of the same. 

As far as validation this debt collector simply mailed me billing statements which are not contracts or a written agreement of any debt I've agreed to or am legally binded to pay. 

This debt collection has sent only XXXX notices and neither suggest or imply that they would be or seeking legal remedies against me. As such, I've recently found out that their is a civil matter filed in the XXXX XXXX XXXX under docket # XXXX over this alleged debt that has not been proven. 

At this time I feel as if my life is now being threatened over a $ XXXX credit card debt while many americans myself included are dealing with increased expenses as we are in a global recession with no immediate relief in sight. 

To now add to my XXXX  I am now being forced to respond to a debt and my livelihood being affected when this company has likely written off this debt and are only trying to force me to pay them additional monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: BANK OF THE WEST
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Sirs, I think the Bank of the West Credit Card Service is deliberately trying to prevent me from using the cards : 1 ) Payments made won't show as available funds : I have made XXXX payments on XX/XX/22 & XX/XX/22, and none of them show available funds as of today. My available balance stays as {$8.00} for the past 14 days. 

2 ) Payment made has no record of it : I have tried to make a XXXX payment since, and there is simply no record of it. 

3 ) It blocks access from making payments : As of XXXX, it shows I have a current balance of {$170.00} on the web portal in the past 10 days, and I have been trying the make a payment for this balance but it won't let me make a payment of any amounts, it simply won't go through. 

Please resolve this with Bank of the West ASAP, and provide an update. I am a very determined person and will not stop until this is resolved. 

Thank you for your attention to this matter and all the kind help. 

Sincerely, 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 explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loans were transferred from to XXXX to XXXX in XXXX. XXXX and XXXX are both reporting the same student loans.The balance with XXXX should display {$0.00} because the loans were transferred to XXXX, but my credit report is still displaying balances from XXXX and XXXX. The balances are {$9300.00} ; {$20000.00} ; {$13000.00} ; {$53000.00} ; {$2900.00} ; {$1700.00} ; {$4300.00}. All of the balances with XXXX should display {$0.00}. My student loans are currently with XXXX. The double reporting resulted in a XXXX decrease on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this fraudulent account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: National Credit Adjusters, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Two incorrect collections appear on my credit report. The two collections are actually duplicates of each other because they both have the same file number and nearly the same amount, The original creditor was XXXX XXXX XXXX. I settled the Account with one Collection agency, but the account has not been replaced by two new collection agencies, XXXX XXXX for {$490.00} and XXXX for {$440.00}. I filed a dispute but no results. 
Please investigate. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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