BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-28
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I became a victim of identity theft during the beginning of XXXX 2014. My drivers license, XXXX 's and personal information was taken from my mail box. As a result I reported this information to the IRS immediately. The IRS gave me steps to take which included contacting all XXXX credit bureau 's to add fraud alerts to each credit agency and to freeze my credit due to identity theft. These steps were taken with each credit agency. This became a problem because the credit agency 's still allowed individuals access to MY CREDIT REPORT in which they added an enormous amount of fraudulent information. I stressed to the credit bureau 's not to let anyone into my credit report without a pin but I was told that someone had called pretending to me, so the credit agency 's gave him a pin which allowed them to add more fraudulent information. I will have to go through disputing items on my credit reports repeatedly. My credit reports started turning into open books of fraudulent information that was totally unrecognizable to me. The credit bureau 's would promise to fix everything and not to contact anyone about this, but it did n't happen. The last time I saw my credit reports were in XXXX 2014 because the information on them was fraudulent. My CREDIT SCORE at one point were in the XXXX and in XXXX 2014 they were extremely low. People still continue to go into my credit reports and report fraudulent information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX did a hard inquiry and Transunion provided this data without my permission. I provided permission to XXXX to do it only once 1.5 years ago. 

Inquirer 's contact data : XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2020-03-17
Company: Experian Information Solutions Inc.
State: AR
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 trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2700.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}

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 2022-03-26
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 information incorrect

Complaint:
Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.

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 2016-02-08
Company: Green Square Company LLC.
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a voicemail from XXXX providing an ID number of XXXX and requesting I contact them at XXXX. I contacted them and spoke to an individual named XXXX ( no last name provided ). He informed me that he was with Premiere Recovery Group, and that they were representing a payday loan company called XXXX XXXX XXXX. He stated that I owed this company {$750.00}. I asked him for the contact information for XXXX XXXX XXXX, and he did not provide it. I then asked him to provide Premiere Recovery Group 's address, and he asked me if I was willingly going to pay the debt. I informed him that I would not comment on the debt, and that all I was looking for was information at this point. He hung up on me. I called back, someone picked up the phone and hung up immediately. I called back again, and XXXX to a XXXX XXXX. I asked her for their mailing information, and she hung up on me. I called back and spoke with XXXX XXXX. I asked him for the mailing information, and he provided their mailing address ( XXXX. XXXX XXXX, XXXX, NY XXXX ). I thanked him, and ended the call. I called back again, and spoke with someone named XXXX. I asked her for a validation of the debt. She transferred me to someone else who did not identify himself. I requested they mail me a validation of the debt, he said that previous letters had been sent out by other debt collection firms. I requested clarification of his statement by asking him if that meant Premiere Recover Group had not sent a letter. He then said that they have sent information out to a previous address of mine. I informed him of my new address, and requested a debt validation letter be sent. He stated that one would be sent out today.

Company response to consumer: Closed
Consumer complaint received 2022-03-26
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 information incorrect

Complaint:
Inaccurate information is reporting on my credit report and need to be removed. It's been 60 days and I still have not receive response. Have not sent documentation of proof of these accounts with signatures. As per section 611 ( a ) failure to investigate these items within 30days give reason to immediately remove those items my credit report. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title V, Sectiom 611, Subsection A-D please provide the names and business addresses of each individual with whom you verified with so that I may follow up. Please see my letters of complaint with the companies that is attached.

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 2017-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Bank of America account was charged a {$35.00} fee on XXXX XXXX 2017 for an overdraft of {$170.00} on the same date which brought my account to a negative balance of - {$210.00}. On XXXX XXXX 2017 the account was still overdrawn for that amount when I came in as I always do to cash my paycheck of {$710.00}, expecting to pay off the negative balance and take the rest out in cash, but the representative told me she would be unable to cash my check. I explained that this is unusual and asked why and she replied that it was the system not allowing me to cash the check. The best she could do was give me {$200.00} of my check. I said no thank you I will go cash it else where out of frustration for no being able to have access to my money as I needed the funds so I choose to the other local branch just down the street.Unfortunately it was just closing but I had the opportunity to speak with a representative who said the end of the business day was XXXX XXXX for those ATM at the branch, so if I did not want to incur an other {$35.00} extended overdraft fee I could still deposit my paycheck which was important to me as well. So I chose to deposit the check and had then expected to be allowed to use {$200.00} of my check deposit and instead falsely stated I had {$300.00} available now of which $ {$60.00} was the only amount I managed to withdraw. When went online to get a better idea of what was going on since the receipt would not show my available balance and why the bank held funds that are usually treated as cash I found nothing to justify it. The only transactions at the time was the same as it I was required to pay as I did on the XXXX of XXXX 2017, and could have been deducted immediately after deposit my check via ATM or even by phone as long as it was before XXXX that day. My online Bank of America account stated on XXXX XXXX 2017 a deposit for {$710.00} was made of which {$300.00} was availble now and {$410.00} was being held as credit pending to cover items posted on the XXXX XXXX 2017. The account reflected a {$300.00} credit to my account which should have been avail now and was not. I believe I should have been able to cash my paycheck as always. After bringing the account out of negative status should I have received the remaining portion of my check ( {$490.00} ) if there was nothing else that could have been pending at that time as there was no existing transactions or any type of authorizations from the time of the overdraft date and had no reason to prompt such a hold.

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 2016-04-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian Credit Reporting Agency continues to report inaccurate and false account information from both XXXX XXXX XXXX and XXXX XXXX that I have repeatedly and desperately trying to have removed and completely deleted based on the numerous and legally binding documentation that I have submitted to XXXX the creditors and Experian proving that I was a victim of Identity theft in 2014. I had a credit fraud alert in place at the time that these accounts were opened fraudulently and without my written or verbal authorization. I was told by the representative at Experian that although it is advised for they credit companies to verify with anyone who has a fraud alert in place with any activity associated with their person and private information. " They are not obligated to do so, its not the law ''. Therefore I feel as Experian is violating my consumer rights to report accurate information by continuing to report that these accounts are in collections and XXXX past due without proving that this is accurate. I have PROVED over and over again that I not only did not open any of the accounts that I am disputing, I did not live at the addresses they have provided Experian, and I have far beyond provided multiple forms of documentation proving this. The companies that Expieran is reporting information have not provided me nor them with ANY documentation or proof that I was the personal initiating any accounts with these companies. They continue to deny my request for a verbal or signed consent from me to be able to continue to ruin my life with the inability to qualify for a home loan and now I have been denied for financial aid for my son 's tuition to attend school next year. PLEASE 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 non-monetary relief
Consumer complaint received 2022-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Our Account with Capital one has always been set to auto pay. We received a notice that we owed {$110.00} and our minimum payment of {$25.00} was missed and they reported that we were 30 days late in XX/XX/2022. This brought my Credit Score down XXXX points. This issue that I have is inaccurate Reporting by Capital One. They are claiming that we are 30 days late, and I spoke with a supervisor, and he stated that we were late on XX/XX/2022 and XX/XX/2022. With this said, Capital One 's claim is that we were 60 days late. The Credit bureau is showing 30 days late. As stated, we had our account on auto pay. If you look at my credit report, my credit is excellent, and there is no indication of habitual late payments. We want our account history cleared, and to show current and paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received letter from Midland Credit Management to collect debt. The company do not have contractual agreement that bind me to account. Account does not belong to me. I asked company to provide contractual agreement that bind me to account in XX/XX/2019. Midland failed to provide documents within 45 days. However they reported inaccurate information to credit bureaus. 

Also midland reports collecting from XXXX XXXX company that was on my report. XXXX XXXX account was previously disputed and deleted from my credit profile due to not also having a contractual agreement that binded me to account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Other

Complaint:
In the Costco transfer from XXXX XXXX to CitiBank, existing XXXX customers were informed the balance transfer interest rate would reamain the same for the transfer balance. I was notified today that the interest rate on my ENTIRE balance ( new purchases and transfer balance ) went up to 25.49 %. I have disputed this rate increase with CitiBank, but frankly, do not expect a response in the next year or two. Customer service there is negligent and usurious. 

Is there recourse?

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 2022-08-04
Company: ALLY FINANCIAL INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I did a mobile deposit for a check I wrote myself from one of my banks ( XXXX XXXX ) to my other ( Ally Bank ) on XX/XX/XXXX. The funds were sent by XXXX XXXX the following business day, but I noticed it hadnt gone through at Ally Bank. I called them and they told me XXXX XXXX hadnt sent it, and that it wont be deposited until the XXXX. I called XXXX XXXX to confirm the money was sent with no problems, which it was. I call Ally, irritated that my funds have not gone through even though I didnt fit into any of the exception to the Expedited Funds Availability Act. They inform me that XXXX XXXX gave them information stating the check may not be able to be paid. I call XXXX XXXX, there fraud and security department said that didnt make sense and that the money is out of my account and with Ally so was obviously able to be paid. 

I call Ally again, they say it needs to clear. I inform them that it has, and that they have the money but are refusing to release it. I ask why they are refusing and they said it is still processing. I told them it has been approved. After that, they stated we simply can not release funds until the XXXX without giving me a reason. 

Right now I am out {$3000.00} dollars. I dont have very much to my name so I am in a very bad situation without money. But they will not release the funds or give me a reason why they have it. My account is not younger than 30 days, I have no history of overdraft, the check was not an amount over {$5500.00}, I have made a check deposit from XXXX XXXX to Ally before, its has cleared so clearly I have the funds. I explained this all to them and they are dead set on doing nothing. I believe regulations are out in place to make sure this does not happen.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2022-03-26
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2016-10-27
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have duplicated information from the same collection agency listed on my credit report. I have disputed this information with Experian twice and the result was that the item remains. The account is not mine and my rights under the FCRA have been violated.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 so bewildered about this situation. I've submitted this complaint numerous times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. Transunion is not removing or blocking the account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. AGAIN, I'm attaching the FTC report and the Police Report I filed on my local Police Department for your records. There is an account reporting to Transunion which is fraudulent & I'd like it removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. Once again, this is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$0.00}

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