BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
Company: Resolve Partners, LLC
State: SC
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 contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Checkr, Inc
State: VA
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:
XX/XX/XXXX I filed a disputed with Checkr.com at XXXX. I submitted document supporting my dispute. 
Unlawful detainer was cancelled by property. Copies of court orders ( sheriff stamped cancelled in lower right corner ) notice of satisfaction, and letter from property stated I was never Evicted. Please remove eviction form my rental history. 

DISMISSED/TERMINATED FILING DATE XX/XX/XXXX COURT XXXX XXXX, XXXX XXXX JUDGEMENT AMOUNT NOTICE TYPE LANDLORD/TENANT DISPOSITION*DISMISSED/TERMINATED XX/XX/XXXX Checkr respond via email at XXXX CC ( Checkr ) XX/XX/XXXX, XXXX PDT Hi, Thanks for reaching out! Checkr is simply reporting that a civil judgment was filed NOT that you were evicted. If you still believe that something is inaccurate on your report please reply to this email explicitly stating what is inaccurate and why. 

Checkr listed two civil judgments under eviction history with unpaid balances. No balance is on the judgments and both are judgments are dismissed. Checkr did not update the report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to Florida law ( I have enclosed the statues that state this as attachments. ) a debt collector can not collect a debt from a Florida resident unless the debt collector is Licensed in the State of Florida. This applies to out of state collection agencies. ( Refer to attachments ) as well as in state agencies. XXXX XXXX XXXX is not licensed in the state of Florida to collect debts in Florida. The statues are very clear and can be researched further if need. Experian is allowing XXXX XXXX XXXX XXXX to try to collect and unlawful debt. This law does not apply to original creditors. Since XXXX XXXX is not the original creditor this law applies to them. I have filed a complaint with the Florida Attorney Generals office. I have also filed a complaint against XXXX  with the CA Attorney generals office for allowing XXXX XXXX XXXX to engage in illegal activity by trying to collect on a debt illegally. I filed a complaint with the GA attorney Generals office on Equifax for the same thing, I also filed a complaint with the IL Attorney Generals office against XXXX  for the same issue. Unless XXXX XXXX XXXX XXXX can produce proof that they are licensed in the state of Florida to collect a debt from a Florida resident then they are engaging in fraudulent activity and XXXX, XXXX  and Equifax are complacent in this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
In accordance with the Fair Credit Reporting act XXXX PORTFOLIO RECOVERY XXXX XXXX XXXXXXXXXXXX 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 2017-08-16
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 2021-08-24
Company: Experian Information Solutions Inc.
State: NC
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:
My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with XXXX and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed XXXX to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with XXXX is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with XXXX and is in good standing. I have called the US Department of Education and they tell me to call XXXX. XXXX tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on FICO.

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with XXXX and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed XXXX to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with XXXX is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with XXXX and is in good standing. I have called the US Department of Education and they tell me to call XXXX. XXXX tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on 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 2017-08-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I carry a balance on my Chase Freedom card with a promotional 0 % rate. I made additional purchases on the account in XX/XX/XXXXand XX/XX/XXXX, which is charged interest as soon as the charges hit the account. Prior to the next statement date, I paid the minimum amount due plus the full amount of the new purchases. I assumed that Chase would apply the amount in excess of the minimum amount due to the purchase balance, as the law requires that payment in excess of the minimum be applied to the balance with the highest interest. Chase applied the full payment to the 0 % balance. I called Chase and I was told that the excess payment was not applied to the purchases since they were not on the prior monthly statement and are not considered a " balance '' for payment allocation. I do not think the Credit Card Act of XX/XX/XXXX allows that. If I am charged interest on the purchases, it should be considered a " balance '' on the account for payment allocation, regardless of whether it appeared on a statement or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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:
I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This XXXX Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX XXXX  XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I called Experian to dispute information on my credit report and was put on hold and had the call disconnected. I spoke with XXXX from Experian and she told me she would need to transfer me to the Customer Assistance Special Services ( CASS ) I then got transferred to an automated machine that could not process my dispute.
I called back and spoke with XXXX over the phone and he said he could not transfer me to CASS dept XXXX XXXX because he does not have the capability to do so. XXXX transferred me to the dispute department which I waited on hold for another 20 minutes.
Then I spoke with Team Instinct XXXX on or about XXXX and she said she processed my dispute. I hope that Experian can help solve the hold and wait time because consumers should be able to dispute information online without calling.

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 2022-07-10
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-Retail Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Card Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX BANK XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX of XXXX Account # XXXX US Dept of ED/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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My USBank ReliaCard card has been blocked for nearly 3 weeks now. To move forward in the process to get the card unblocked I had to prove my identity. Ive submitted my drivers license photo and I also submitted a photo of my face to their fraud department website to get my card and account unlocked so I can use my funds. I have done that twice so far and every time I call their customer service line nothing gets done! Every worker gives me the same answer of give it 2-3 business days and call us back. This isnt ok. There is no fraud and has never been any fraud on my account. They are simply holding my funds XXXX that I need to use on groceries, bills, toiletries. I havent been able to pay my bills. I am begging that yall infiltrate this situation and close the account and card so I can reopen a new one so that I can have my funds released to me. They didnt even have the decency to alert me that my account was being locked. Please help! Im facing cutting of services. I have nearly {$400.00} sitting in the account. Also when I call they now just hang up after a certain amount of time as if theyre trying to avoid me. Or they simply dont answer my calls anymore.

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 2017-10-23
Company: TekCollect Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX did n't provide the service when they visited my property at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. They generated false invoice asking me money to pay them. I disagreed and asked them to show me evidence of their work. I never agreed to pay them without performing the job. I also suggested them to go to court if they believe I owe them money. They contacted TEK collect ( collection company ) to get the money from me. TEK collect contacted me and I disputed with them. I asked them to have XXXX XXXX show their evidence ( pictures or witness or so ). TEK collect accepted their false invoice as evidence without any regard to investigate more and did n't want to agree to my dispute. I contacted their supervisor about it and reported my dispute. Even then they put my collection to XXXX. I contacted XXXX to dispute. XXXX suggested me to file complaint with FTC and provide them a report of my complaint. I have also attached my dispute with the supervisor at TEK Collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Omnipoint Capital
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collectors from New York are calling me in order to pull a false debt on scam my mother. They say that they cant get in contact with her only to tell me what her number is. My mother always picks up her phone, so if they had called her, they they would have been able to get in contact with her. The company is Omnipoint Solutions. The number is XXXX ext. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America has my account on hold and informed me that they would close my account. they say they have the right to close it. I accept it. but they must inform in advance that they are going to close it so that I can stop making payments to that account. I made several payments and they were returned by the bank. causing me inconvenience and additional charges. They returned my rent payment. Additionally, the bank tells me that it will take 14 days to send me the money by mail. I find it unfair of them to play like this with customers XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2022-07-10
Company: Experian Information Solutions 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:
I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries ; US SM BUS ADMIN ODA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-16
Company: The CBE Group, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i recently looked over my credit report and noticed a collection account by CBE as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]

Company response to consumer: Closed with explanation