BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
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:
I recently reviewed a copy of my credit ( XXXX, Equifax and XXXX XXXX ) report and i noticed the following late payments. 

XXXX XXXX XXXX XXXX DEPTEDXXXXXXXX DEPTEDXXXX DEPTEDXXXX  DEPTEDXXXX  Your company is in clear violation of the law.15 U.S. Code 1681s2 - permissable purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates, Did i give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR REPORTING ACT15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS, - Except as provided in paragraph ( 3 ), the term 'consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation15 U.S. Code 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Went to XXXX to check credit card offers so I can get a card with intro rate of 0 % for specific period as one card is coming to an end and I still have a {$600.00} plus bal. On my XXXX account it matched me to several credit card offers and I chose XXXX XXXX XXXX XXXX XXXX XXXX card. I applied and created an account online. I tried to log into said account to expedite a balance transfer but was unable to log on to my newly created account. After several attempts online I called the XXXX XXXX number associated with the card ( XXXX ) XXXX. From there i had to enter my personal information and I found out that my account had been sold to a debt collector. 'Resurgent ' ; to which I was " transferred '' or would be transferred but I was asked for my social security number again. I did NOT enter it at that time and I hung up. My credit score is XXXX when I checked it after logging onto XXXX and it went down three points with the XXXX XXXX credit check. However this 'debt ' that I DO NOT HAVE i fear will disrupt my credit rating. I used to have an account with XXXX XXXX over a decade ago which was discharged though a bankruptcy back then. So I didn't think this sort of thing could happen when there is no real debt. This all happened today XXXX XX/XX/2023 around XXXX XXXX so some of the info I had to provide through your site didn't quite match with the problem I am experiencing and don't know what will happen now. One minute I get approved for a card and then I can't log on to my brand new account and then I find my account had been sold to a debt collector when there shouldn't be any debt. This is where I am at. Can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2022, I noticed a XXXX drop in my Tran Union Credit report. Upon inquiry, I found your company reported a XXXX days late payment in the XXXX time of XXXX. I called all my credit card holders twice a month to get the balance and payment due and was shocked at this report. I called again that morning and a recording said my account was up to date and no payment was due. I called XXXX XXXX and was told you are no longer VISA but now a Master Card system and that a new card and information were mailed out on XX/XX/2022. It stated I was 67 days behind in a new system I was not informed of and didnt have new card information to check the account even if I was informed! 

Fax sent to company on XX/XX/2022. Amount claimed past due {$14.00}!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX months ago, my bank notified me of questionable & fraudulent activity in my accounts at Capital One. Since then, my accounts are locked down and when I call, I'm routed to the Consumer fraud division 's section & my only option is to leave a voicemail. 

The voicemails aren't responded to and I'm unable to verify if or when my XXXX has been deposited or any news of when I can retrieve any funds. 

I'm going to continue to open these complaint until I recieve all the funds, Capital On doesn't need my funds to invistigate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, 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: Information belongs to someone else

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. 

Personal Information XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXXXXXX XXXX ID # XXXX XXXX XXXX XXXX ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX FL XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX It is so many inquiries on my credit I didn't apply for and my information on my credit is not adding up. I submitted a complaint months ago about XXXX auto as well having the information wrong on my credit report and it is still wrong follow by my screenshots provided. I lost my truck to repossession in XXXX the balance was {$4200.00} not {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: The CBE Group, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from CBE Group in XX/XX/XXXX for a debt of {$3800.00} through XXXX XXXX. I sent a letter back to CBE Group explaining that I have been having problems with identity theft since XX/XX/XXXX and that this is not my debt. In XX/XX/XXXX I received another letter from CBE Group with a statement from XXXX XXXX showing the account the debt is associated with. This is not my debt. I have never had a XXXX XXXX account. I live in XXXX  and this debt seems to originate in XXXX I've never even been to XXXX. I will also be filing a police report regarding this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: National Credit Systems,Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a random company that says I owe them money and have never had any business with them. They called one time and I told them it's not me. They have since kept hurting my credit with the false claim and haven't removed it. I do not owe them and they need to remove themselves from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a XXXX Checking and Savings account on XX/XX/2023 with a promotion that offered the following : 1. Receive a bonus of {$300.00} when you open a XXXX XXXX checking account and have a direct deposit post to the account within 90 days. 
2. Receive a bonus of {$200.00} when you open a XXXX savings account and deposit {$15000.00} or more in new money within 30 days and maintain a balance of {$15000.00} for 90 days. 
XXXX. Receive an extra {$400.00} bonus when you complete both of the above bonuses. 

I completed # 1 and # 2 and received the bonuses for both. After completing both I asked why I have not received the extra {$400.00} ( # XXXX ) and they mentioned they sent it to my Checking account but it got sent back since they closed my checking account after 60 days of inactivity despite their terms stating as long as you have at least $ XXXX in either a savings or checkings account ( for me it was in my savings ) I wouldn't have to pay a checking account fee. I was not notified my checking account was closed. They have its been almost a month now and I have not received the {$400.00}. 

I've been in contact with their online secure communications group and they keep mentioning they will get back to me within 5 business days but they never do and its been almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Information belongs to someone else

Complaint:
I logged into my XXXX account with my name and social security number to find that my name had been changed to a name that is not mine. In addition to my name being incorrect, my social security number, my address, birth date, and occupation are all incorrect. Because of this, I decided to try to get my credit report from Experian. I used my name, social security number, and information to attempt to login. I was not able to log into my Experian account as it asked me security questions that did not have anything to do with myself. None of the jobs listed to choose were mine. I do not have a car loan. Because of that, I am not able to dispute the information through Experian. I decided to dispute this through the CFPB. Experian sent me my information and credit report through the mail. On the report, my name is incorrect, my social security number is incorrect, my address is incorrect, my phone number is incorrect, and my occupation is incorrect. The only account listed that belongs to me is a student loan. None of the credit cards listed belong to me. I currently have one credit card and that account is not listed. I have confirmed with the Social Security Administration that my social security number is mine and is not tied to anyone but me. XXXX reports my information correctly. I do not understand why my information is listed like this. I do not understand why XXXX could not fix it with my first dispute with the CFPB. I want my information to be listed correctly on Experian and on my credit report. I do not want someone else 's information and accounts affecting my 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 explanation
Consumer complaint received 2022-10-27
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Account Number : XXXX Please delete for the inaccuracies and if unable to provide proof of investigation. 

2. I have been disputing this for the past months and nothing has been updated. Date opened still shows different dates. XXXX shows XX/XX/XXXX. Transunion shows XX/XX/XXXX XXXX Account Number : XXXX Please delete for the inaccuracies and violations of FCRA 611 ( a ) ( 1 ) ( A ) 3. I have been disputing this for the past months and nothing has been updated. Date opened still shows different dates. XXXX shows XX/XX/XXXX. Transunion shows XX/XX/XXXX XXXX Account Number : 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 2023-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Delete fraud alerts and extended fraud alerts XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: AR
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:
To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have neverDateXXXX XXXX XXXX  1.CompanyXXXX XXXX XXXXXXXX AddressXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXXXXXX XXXX 2.CompanyXXXX XXXX - XXXX AddressXXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX, XXXX XXXX XXXX XXXX 3.CompanyXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TX XXXX 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 consumer reporting a agency if the person knows or has reasonable cause to believe that the any of information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: CREDIT CONCEPTS, INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hello, my name is XXXX XXXX. I have a loan through XXXX XXXX XXXX, XXXX XXXX. I have had the loan going on for 6 months. I have made payment arrangement dates to fall on the XXXX of every month. 

fact I made a payment on XXXX for XXXX. On XXXX I made a principal payment. They are now claiming I am past due 56 days. and XXXX $ behind. they are charging me daily interest on top of my monthly payments of XXXX. They are telling me there is nothing they can do they will not apply XXXX in payments I have already made towards the loan. 

at first, they did not wat to agree to pay off of XXXX they up the payment to XXXX they will not provide receipts they says it's all electronic. I have a ledger they still will not fix my account. I have a balance of XXXX remaining. 

They did not even wat to give me the attached document.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
All your attempts to collect a debt that is not yours have been removed from My credit which you unlawfully obtained. Please refrain from contacting me as your in violation of credit act neither bi phone or bi mail as I do not owe you any money or intend to pay you any money.. not to mention allegations of your debt is beyond statue of limitations. Any further communication will be considered harrasment as I am making a comeplaint telling you to stop contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Nelnet, Inc.
State: WA
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:
My XXXX account is showing delinquent payments on my federal student loans for over 120 days and I've never missed a payment. I disputed this through XXXX and my dispute did not correct this. When I attempted to redispute, I got a message saying I can't dispute something that has been disputed before. When I talked to my fed loan providers ( Nel Net ), they said to dispute through XXXX. This is severely hurting my credit score and I feel like I'll never be able to get rid of this in a timely manner, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: DISCOVER BANK
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: Personal information incorrect

Complaint:
15 U.S. 1681C-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONCUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THATRESULTED FROM AN ALLEGED IDENTITY HEFT, NOT LATER THAN 4 NUSINESS DAYS AFTER THE DATE OF RECEIPT. IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE I AM A VICTIM OF IDENTITY THEFT!!! PLEASE DELETE THESE ITEMS IMMEDIATELY. THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION!!! UNDER, 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS { A } IN GENERAL SUBJECT TO SUBSECTION C ANY CONCUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER. 2 IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. AS A CONSUMER I AM DEMANDING THE DELETION OF THE ACCOUNT LISTED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Car loan was responsibility of ex husband. Car was involved in an accident that totaled car in XX/XX/2020. Car loan was paid in full by insurance and/or XXXX. Company is still reporting recent charge 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 explanation