BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: Bridgecrest Acceptance Corporation
State: TX
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: Was not notified of investigation status or results

Complaint:
I have a charge off due to reckless driver hitting my car and me getting scammed into buying fake insurance which ended up not being real insurance and at that time the car accident happened shortly after that which was this XX/XX/XXXX to be exact I was not at fault, but dont have the money due to being out of work And getting fired because of this now my car is at a charge off and I need some type of help getting this figured out either way boosting my credit score up or getting the remaining balance. Majority knocked off my credit score so I can go about financing a new Vehicle and then other stuff on my account that shouldve been wiped off or removed but it has not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Bread Financial Holdings, Inc.
State: CA
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:
Date Opened : XX/XX/2023 Balance : {$230.00} High Credit : {$260.00} Credit Limit : {$450.00} Payment Status : 30 days past due two payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted. 

Victoria secret is reporting a late payment onto my credit report. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave VICTORIA SECRET any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. VICTORIA SECRET has caused stress and XXXX due to the abusive and unfair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: National Credit Systems,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:
My purse including my personal information was stolen 2018, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : 1.NATLCRSYS/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My complaint is that I am getting turned away for credit because of public records. When I click to see what the public record is it says there are no public records. There are accounts that are more than 7 years that are in collections and the collection companies still have them on my report I dispute it and another one takes over and its back on the report. Also I used XXXX XXXX XXXX and XXXX account Management to settle these debts. They took my money but I still have these debts still on my 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 2023-12-01
Company: TrueAccord Corp.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023 True Accord Corp added a derogatory mark on my credit report ( XXXX and XXXX ) per experian. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, True Accord Corp has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXXXXXX XXXX, {$9800.00} was stolen from my checking account by a ACH debit transfer. I disputed it immediately in the next few days when I found it ( I was on a flight XXXX to XXXX the whole day of XXXX XXXX and was impossible to do any transfer ). The contact told me that they would send me a letter and I needed to return it physically. Since I was not in the US, I asked a friend to check my mailbox regularly but never got it. I returned in XXXX and called Chase again and it turned out that it was an electronic mail that I had to download from my Chase account and this case was closed. I asked them to reopen this case so that I could resubmit the form. I submitted the form later, and they rejected my disputes because " not all the transactions are disputed ''. It turned out there were two other transactions worth {$0.00} on XXXX XXXX which I didn't even notice. Shouldn't be Chase 's due diligence to review the disputes and ask if there are other potential fraud transactions instead of rejecting my dispute because not all transactions are included?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: ENCORE CAPITAL GROUP INC.
State: TN
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:
stating {$1000.00} balance is on my credit report after they have charged it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions 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:
I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my XXXX info showing I was incarcerated.. they updated my reported with higher balance

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: Colony Brands, 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:
I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my XXXX info showing I was incarcerated.. they updated my reported with higher balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They are damaging me on credit reports and I don't even know who they are. They say they bought the debt on the report so it's so old it shouldn't be on my report. I've gotten XXXX  XXXX for XXXX and people like this keep damaging the credit I'm working to repair to quit being homeless and couch surfing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid my macy 's bill of {$430.00} twice and requested a refund of the {$430.00} on XX/XX/2023. On XX/XX/XXXX, I called the customer service line to inform them that I did not receive the refund check of {$430.00}. The representative said that a new check would be sent or a refund to my account. Neither solution was instituted and there is no evidence that a check was sent or a refund to my account. I called for the third time today for the refund of {$430.00} and was told that I must wait 6 months for the XX/XX/XXXX check to expire before any further action can be taken by Macy 's credit. Further, they requested my birth date and last 4 social security number, even after I gave my account number. No supervisors would speak to me. 
Please help me get my {$430.00} back from Macy 's.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: VALLEY NATIONAL BANCORP
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My business credit card was used fraudulently for two transactions. 

One transaction was on XX/XX/2023 in the amount of {$2600.00} and the other transaction was on XX/XX/2023 in the amount of {$3800.00}. 

I didn't authorize these charges that showed as a square charge to a XXXX XXXX XXXX. 

I realized that these charges were made after I had told a permit runner my credit card information to pay a permit fee for me for a property I was purchasing at XXXX XXXX XXXX XXXX XXXX, FL XXXX. Her name is XXXX XXXX. Her cell phone number is XXXX and her email is XXXX. 

I realized these charges when I logged into my XXXX XXXX XXXX  portal at Valley Bank and called XXXX on XX/XX/2023 out of suspicion. XXXX ended up admitting that she colluded in fraud with an architect from XXXX named XXXX XXXX to make these charges through a square processing device. The bank ended up calling him to dispute these charges and he stated that they were legitimate charges. I requested his information several times, but was never given it by my bank, nor from XXXX. 

In addition to trying to retrieve the money from the bank, I filed a police report with the XXXX of XXXX Police department. I provided all the information I had available, including countless conversations via text message with XXXX stating that she would have XXXX XXXX refund my money to my credit card. The police department ultimately said it was too small to investigate. The Incident report # is XXXX # : XXXX. Being told this, I tried to go back to my bank to see what recourse I had. 

The XXXX XXXXXXXX XXXX XXXX  I got from Valley Bank had no number to speak to directly so I would speak with a member of the bank I know. Ultimately after 4 months of trying to get my money back, having incurred interest throughout that time as well, I was told by the bank rep that XXXX would deny my claim. 

The bank rep emailed me on XX/XX/2023 at XXXX stating that they received notification that the dispute was denied due to the fact that my credit card information was given to the permit runner. That denial was received by their Credit Card Team and XXXX  : They recommended that I seek legal advice on how to proceed in getting the funds back from XXXX XXXX. 

Today, XX/XX/2023 I was told about the consumer financial protection bureau so I decided to proceed to try and collect this large sum of money I had fraudulently taken from me and that I have accrued over these last few months.

I am a victim of Fraud. Please help! I can provide all information that will be useful to you. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair credit reporting act XXXX account name 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 an account without my written instructions.

The amount listed is {$3700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: The Aligned Company DBA Extra
State: NM
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 XXXX XXXX I disputed a charge with XXXX for {$120.00} dollar payment my bank XXXX XXXX stopped when I had available funds. I disputed this claim also because I dont recall making a purchase at XXXX for this amount which I stated to the representative. I sent a letter via certified mail showing I had available funds and this was a bank error. XXXX XXXX representative told me on a recorded line that XXXX received a payment of {$110.00} and a payment of {$120.00}. Then another XXXX XXXX representative told me on a recorded line that the payment of {$120.00} processed only. Either way I disputed this claim I do not recall making it. I payed them in full for everything I allegedly owe and want this removed due to miscommunication with my bank. And if I disputed this claim on XXXX XXXX how is it 30 days late on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian will not give me a free credit report online. They robot will not let me talk to a person to find out why. 

We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never gave these companies the right to run my credit report and it was run many times without my consent or knowledge, upon reaching out to the credit bureaus they did nothing to remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for referenced issues from above.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2022-07-03
Company: EQUIFAX, INC.
State: PA
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 Account Number XXXX and Account Number 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 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: General Motors Financial Company, Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I went to a car dealership XXXX, la to purchase a vehicle, I was unaware that after me being declined by the first bank, This dealership would continue to shop my credit information around to other lenders without my knowledge and after I had left their place of business. The result of the auto dealer practices has caused unnecessary burden on my personal and business finances, I walked into the dealership with a XXXX credit credit score and discovered a week later my credit score had dropped to XXXX.

Company response to consumer: Closed with explanation