BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: Auto Trakk, LLC
State: KY
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 disputed the inaccurate reportingS with XXXX, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, AUTOTRAKK Account Number XXXX XXXX is reporting an open date of XX/XX/2018, XXXX and XXXX have an open date of XX/XX/2018. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Bread Financial Holdings, Inc.
State: PA
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:
I am one of the many people affected by Comenity banks " update '' in their system. This update is now going on 2 weeks. I have not been able to log in to my account online nor have i been able to reach a rep via phone. Their automatic system, when up and running, will tell me my balance. They claim we can use easy pay, but that has hung up on me, also dont trust easy pay option after reading comments online about others who have tried to use this feature and have received no confirmation of payment. This company keeps posting that they are working on it but thats about it. Sorry but a system update does not take 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 1 previous addresses and 3 previous employers that are completely wrong. Also unauthorized inquiries that need to be deleted.There are accounts that are not mine and not late and charged off

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 2022-09-24
Company: LEXISNEXIS
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:
This Dispute is geared towards the five credit reporting agencies, XXXX, Lexis Nexis, XXXX, XXXX, and XXXX. These companies are in the business of running criminal enterprises. LexisNexis and XXXX is in the business of selling personal and private information to XXXX, XXXX, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... XXXX and LexisNexis are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The Gramm Leach Bliley Act. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a resident of XXXX My XXXX XXXX XXXX ( ending XXXX ) was charged an annual fee of {$450.00} on XX/XX/XXXX. The account was closed XX/XX/XXXX. 

XXXX state law says : " XXXX XXXX. A card issuer as defined in section one of chapter one hundred and forty D, whether located within or without the commonwealth, may assess an annual fee provided that the cardholder as defined by said section one, is notified of the amount of any such fee on or with the billing statement for the billing period prior to that in which the annual fee is billed to the cardholder 's account. A cardholder may cancel his credit card agreement at any time during this period without penalty. If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee. '' https : XXXX Under the last sentence, I should " receive a refund on a pro-rata basis of two-thirds of the annual fee '' when the account is closed. 

On XX/XX/XXXX, I had not yet received such a refund so I contacted Chase via secure message. On XX/XX/XXXX I received a reply that they would not process a refund because it was more than 41 days since the annual fee had been billed. I replied with the details of the Section XXXX law referenced above, and on XX/XX/XXXX again received a reply stating that it was outside their window to refund the fee, and no refund was possible. I replied asking to escalate the issue for further review, and on XX/XX/XXXX received a reply stating that it was not possible to refund the annual fee because it was outside the 41 day window, and they would not reply to further correspondence about this issue. 

At no point in the correspondence did any support agent acknowledge the XXXX law that I was referencing, and simply replied with the same boilerplate response. 

In the past, I have closed accounts with other card issuers, and they have automatically processed XXXX refunds in line with the Section XXXX law without me having to ask. Chase on the other hand refuses to acknowledge either this law or my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/22 XXXX CT National Credit Adjustment Called a company provided cell phone, Never used phone for personal usage, would not verify how number was obtained, No debt validation, refused to send letter of debt verification or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone use my information in another state to get open an account and also medical treatment without my knowledge until I pulled my credit report. I have already submitted all documentation to all parties involved and have not received any documentation showing that this belongs to me. They all failed to verify the information but still have it on my credit report. Please delete all this fraudulent accounts on my 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with 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 2022-09-24
Company: World Acceptance Corporation
State: AZ
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:
This account should be removed from my report. It was removed and then added back mysteriously when they changed the first date of delinquency. My last payment was XX/XX/XXXX. Now they have moved the first reported delinquency to XX/XX/XXXX. This places calls your phone of the hook for payment when your one week late saying your delinquent. That was my first notice of delinquency and this should be removed. They are a predatory lender for low income. I was in a bad position 7 years ago when I lost my business/job, home and had to relocate to find work but I have been rebuilding my life and credit since. To constantly be penalized for this and companies like this that add so much to your account its impossible to pay the full amount is the signs of an ugly broken system. I borrowed around XXXX $ this account balance is now up to XXXX. I have paid my lenders that I could afford to and that made sense but Ive been waiting for this to stop reporting and now they continue reporting to XXXX and continue to tell them this information is correct when it is not. I would like proof on how my last payment was in XXXX yet they didnt record it delinquent until XXXX XXXXNEVER SO BUSINESS WITH THIS COMPANY I PROMISE ITS NOT WORTH IT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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:
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 I did not make the charge. I ask that the items be deleted to correct my report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an email on XX/XX/22 informing me that my account was overdrawn and that I had 15 days to make a payment before my account would be closed. On XX/XX/22 I added funds to the account. On XX/XX/22 I received another email informing me that my account was now closed. I called the number listed for customer service informing each of the representatives that I spoke with that my account was closed even though the email stated that I had 15 days from XX/XX/22 before it would be if I did not add funds. 

No one cared. Everyone reiterated what I had already told them which was that the account was closed. I asked to speak with a manager and was denied and then the representative hung the phone up in my face. Another representative pretended not to hear me anymore and then ended the call. Another representative suggested I go to a branch when there are no branches anywhere near me or open another account, and why would I do that when I feel like Ive just been scammed. 

Clearly this is a level of fraud to tell someone that they have a certain time frame to make a payment and once the payment is made you close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, INC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Acc.XXXX for XXXX dollars. 
XXXX XXXX XXXX XXXX, Ma XXXX According with the fair credit reporting act, the above account stated abovehas violated my rights according to15 USC section 1681. Whch state a consumer reporting agency can not furnish any information on my credit report without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: NY
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 XXXX Account XXXX XXXX XXXX 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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted TransUnion Consumer Solutions in regards to identity theft I am experiencing and they have failed to follow the law. Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, this company is in clear violation of the law and needs to be held accountable. It has also been longer than 4 business days since my request was delivered to them. They also sent a letter stating I failed to verify my identity but I will include the extensive documentation that I also provided to them that I sent in a packet via USPS certified mail tracking number XXXX. My identity theft affidavit was also notarized at the local sheriffs office. Please see attachments! I will also be contacting the Better Business Bureau and my states Attorney General in regards to this violation of the law that this company have committed.

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 2022-09-24
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: Reporting company used your report improperly

Complaint:
I previously disputed this public record with TransUnion, I dont recognize this public record. Please send me PROOF FROM THE COURT OF THIS PUBLIC RECORD, I DONT AGREE WITH THE RESULTS OF YOUR INVESTIGATION. PLEASE MAIL ME PROOF OF YOUR INVESTIGATION AND VERIFICATION OF THIS RECORD FROM THE COURT, OR DELETE THIS PUBLIC RECORD. TO DATE TRANSUNION HAS FAILED TO DO SO, TRANSUNION IS IN VIOLATION OF 15 U.S. CODE 1681 s- 2 ( b ) I have provided proof from the court that TransUnion failed to investigate the following account : Account Name : XXXX BANKRUPTCY/ Docket Number : XXXX. IN FACT THE DOCKET NUMBER TRANSUNION PROVIDED IS INVALID XXXX DOES NOT EXIST.

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 2022-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/21 the amount of {$5600.00} was disputed for the second time, while asking for full verification the company has failed to comply by not providing a signed contract with a complete statement of accounting as required by law. 
XX/XX/21 the amount of {$3300.00} was disputed for the second time, while asking for full verification the company has failed to comply by not providing a signed contract with a complete statement of accounting as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: AZ
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:
This account should be removed from my report. It was removed and then added back mysteriously when they changed the first date of delinquency. My last payment was XX/XX/XXXX. Now they have moved the first reported delinquency to XX/XX/XXXX. This places calls your phone of the hook for payment when your one week late saying your delinquent. That was my first notice of delinquency and this should be removed. They are a predatory lender for low income. I was in a bad position 7 years ago when I lost my business/job, home and had to relocate to find work but I have been rebuilding my life and credit since. To constantly be penalized for this and companies like this that add so much to your account its impossible to pay the full amount is the signs of an ugly broken system. I borrowed around XXXX $ this account balance is now up to XXXX. I have paid my lenders that I could afford to and that made sense but Ive been waiting for this to stop reporting and now they continue reporting to equifax and continue to tell them this information is correct when it is not. I would like proof on how my last payment was in XXXX yet they didnt record it delinquent until XXXX XXXX SO BUSINESS WITH THIS COMPANY I PROMISE ITS NOT WORTH IT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone use my information in another state to get open an account and also medical treatment without my knowledge until I pulled my credit report. I have already submitted all documentation to all parties involved and have not received any documentation showing that this belongs to me. They all failed to verify the information but still have it on my credit report. Please delete all this fraudulent accounts on my 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 2022-06-08
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone use my information in another state to get open an account and also medical treatment without my knowledge until I pulled my credit report. I have already submitted all documentation to all parties involved and have not received any documentation showing that this belongs to me. They all failed to verify the information but still have it on my credit report. Please delete all this fraudulent accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, 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:
On XX/XX/XXXX I submitted a dispute with XXXX, XXXX and Equifax asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!

Company response to consumer: Closed with explanation