BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: NC
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 contacted all three bureaus to have this XXXX account removed from my report this account is not mine it belongs to my son we have similar names and our address is the same

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 2023-10-24
Company: Experian Information Solutions Inc.
State: AL
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 have called and sent letters to XXXX and Experian about the account XXXX XXXX and I have not gotten any resolution

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 2023-11-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: In progress
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: WI
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:
why is things being reporting on a consumer reports such as late payments! violation of consumer reporting act!

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 2023-12-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I was informed by XXXX XXXX on XX/XX/2023 that there was a hard inquiry on my credit report from XXXX XXXX Chase. I contacted Chase and they told me that a credit application for a XXXX XXXX XXXX was processed, approved and an account opened. I told them that this was not me and they informed me that identify theft has occured because whoever opened the account would have had to supply my social security number. They immediately closed the account and placed a fraud alert with XXXX which they said will also activate a fraud alert with XXXX and XXXX. At the same time I placed a freeze on my credit report for all XXXX  credit bureaus. I also signed up with XXXX ( XXXX XXXX XXXX ) so the fraud would not continue since now my social security number was out there. I then called back XXXX to dispute the hard inquiry since it was a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I discovered on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report. I'm done with it. AND Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX XXXX and XXXX. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX Balance - XXXXXXXX XXXX XXXXXXXX Balance {$220.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$160.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$760.00} XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$500.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance {$150.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance MEDICAL XXXX Balance {$150.00} XXXX XXXX Balance {$750.00} XXXX XXXX Balance {$160.00} XXXX XXXX Balance {$190.00} XXXX XXXX XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Medical Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Medical Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
on XX/XX/2022 I spent XXXX on the phone trying to redeem rewards on my credit cards and the system would not function. I wanted to make a payment toward my credit card but the system would not disclose how many points I had in XXXX amounts and when I spoke to bank employees or credit card employees they said there was nothing they could do to fix the issue. 
I asked for a mailing of the rewards program but they said it was online. 

I wanted to use the visa rewards to make a payment toward the XXXX XXXX card but that feature was not showing. 
NO one at the bank knew how to fix the issue. 

Nothing on the website seems to function. It feels like a targeted issue toward me versus a system wide issue. 
XXXX of my banking documents are missing. Those that are shown expired are not located in the expired file either. Massive disorganization of files. 
The website has script issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Experian # XXXX, XXXX XXXX XXXX, an 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 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 explanation
Consumer complaint received 2022-12-07
Company: COMMERCE BANK
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday XX/XX/XXXX, I deposited {$210.00} into my checking account. During the transaction it took the money it told me how much money and then it told me there was an Error, transaction not completed. It did not give me my money back it did not give me a receipt and then the transaction just ended. The screen went back to the beginning. We immediately drove around and spoke to a teller named XXXX XXXX. She told me she would have somebody come and look at the ATM that day and that I would have my funds back within 7 to 10 days. She gave me a case number as well. She also informed me that this happens all the time that the ATM often takes money from people but they're not doing anything about this. They're not fixing the ATM they're continuing to use those ATMs in the company that runs them. I spoke with XXXX XXXX yesterday and she told me I would have my funds back by last night. The funds are still not there. When I called her to explain that the funds were still not there she told me it would take a little bit longer and when I told her I wanted to close my account with them she hung up on me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX  Account #, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-12-07
Company: Exeter Finance Corp.
State: NV
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 to the fair credit reporting act Exeter, finance LL. Has violated my rights 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states, a consumer reporting agency, can not furnish my account without my written instructions 15 USC 1616 B : a creditor can not treat a payment on a credit card/open credit account under an open end consumer plan as a late purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent transworld system this document ceritfied mail and XXXX did not send the requested documents asked for in the validation request I mailed. Transworld system sent me a document that was typed out on a plain piece of paper with their logo on the top. Anyone create anything from a plain piece of paper. The response transworld system sent to CFPB is bogus! I know my rights as a consumer! Transworld system is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. 
Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Document evidencing your company has the right to collect the alleged debt. 
The total debt balance with an explanation of all interest and fees. 
Date the debt became delinquent and/or the date of the last payment. 
The name and address of the creditor and the creditors account number associated with the debt. 
The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. 
The names and addresses of all persons or entities other than your company to which the debt was assigned. 
Send me proof that you are licensed to collect debt in my state. 

Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 

Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. 

FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! 

Remove this immediately from all three credit reporting agencies for transworld system has violated FCRA laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a Coupon/Bill of Approval on XX/XX/2021 via certified mail and return receipt to the CFO and Registered Agent. Both were delivered on XX/XX/2021. Pursuant to UCC 1-202 ( f ), upon receiving these notices, they were hereby notified. Whether they accept or not the coupon which is a negotiable instrument, it is discharged upon receipt pursuant to UCC 3-603. Whether they accept my negotiable instrument or not they have to XXXX out the balance and mail me a check for the remaining balance. Up until today, I have not received anything from 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 2022-12-07
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: Personal information incorrect

Complaint:
Experian continues to report incorrect personal information on my credit report. 

My name should be listed as : XXXX XXXX XXXX XXXX ( All other names should be deleted. ) My address should be listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( All other addresses should 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 2022-07-30
Company: Experian Information Solutions Inc.
State: LA
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 reached out to ALL 3 credit bureaus- XXXX XXXX Experian & XXXX several times to have this account with ( XXXX XXXX- name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE. The account is ALSO reporting late payments which is illegal because a closed account is not supposed to report late payments.

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 2023-10-31
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
AMERIHOME MTG CO, LLC Account number : XXXX Account type : Mortgage Responsibility : Individual Date opened : XX/XX/XXXXXXXX   Status : Transferred, closed. 
Status updated : XXXX XXXX  This account was reported 30 days in XX/XX/XXXXXXXX  but both XXXX and XXXX has removed this. This is the only account that shows on XXXX as potentially negative. Since then it has been reporting correctly. I am unsure of what to do to have it removed but it is the only negative item showing up on my credit report. 

Please advise and help. 
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 2022-07-30
Company: EQUIFAX, INC.
State: LA
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 reached out to ALL 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with ( XXXX XXXX- name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE. The account is ALSO reporting late payments which is illegal because a closed account is not supposed to report late payments.

Company response to consumer: Closed with explanation