BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
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: Information belongs to someone else

Complaint:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00}.

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 2023-04-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My wife and I were XXXX XXXX XXXX on a street in XXXX, XXXX while on vacation there the night of XX/XX/XXXX, at approximately XXXX. Both our cell phones were stolen, and the thieves hacked my cell phone, and were somehow able to get into my account. They proceeded to do a series of transactions that night and during the morning of the XXXX, while I had no way to reach Chase to block the accounts. 

I filed a police report that night and was able to logon with my laptop once a returned to the hotel room after midnight. I was able to cancel a large number of zelle payments they were doing. I was not able to cancel the one payment for {$500.00}. I finally reached the Chase XXXX number on the afternoon of XX/XX/XXXX and blocked the account. 

The thieves also performed several fraudulent transactions on my Chase XXXX credit card and on my XXXX account. I was able to have all those reversed. 

I'm attaching documentation that corroborates my assertion : 1. The list of messages from Chase showing my cancellation of the zelle transactions that were attempted on that same day.

2. The Chase Statement showing the fraudulent transaction ( on page 3 ) and the Chase credit card statement showing other fraudulent transactions on that same day. 
3. The XXXX statement showing fraudulent transactions on that same day. 
4. The police report ; it's in XXXX because this happened in XXXX, XXXX. 

I called Chase immediately when I saw the {$500.00} zelle transaction and filed a claim which they later denied on XX/XX/XXXX. I called them a few days later and was told to submit any additional information I had. I sent a letter on XX/XX/XXXX including the details above and they denied that as well. I followed up with XXXX separate phone calls, the last on XX/XX/XXXX, to try and get answers as to why they refused the claim. I was told it was denied because my device was used to do the transactions and there was no evidence of failed attempts or password changes from the device.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Santander Consumer USA Holdings 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, XXXX did not authorize the car company XXXX XXXX XXXX. Located in XXXX XXXX XXXX in XXXX pa to run my credit report at all! I did not give them authorization to run my report and this is unacceptable, they ran my credit through XXXX companies of the name of XXXX XXXX  XXXX XXXX and Santander. I had really tried to get this removed and to no avail. Please report this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Atlantic Collection Agency, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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 called Equifax several times explaining that I have been a victim of identity theft and several inquires along with an account from XXXX was listed on my credit report. I was told to send them the Identity theft report which I have several times and they did nothing. I have attached my social security card for identification & have my name corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a notification from my bank in mid XXXX that there was a change in my credit report. Upon pulling my free credit report I noticed that I have a collection listed from Health Care Collection INC XXXX XXXX XXXX XXXX AZ. They claim the XXXXXXXX XXXX XXXXXXXX XXXX XXXX was the original creditor form a visit 2 years ago. 

They never contacted me about it and gave a chance to rectify the situation. 

I paid the deductible and my company sponsored insurance paid all the cost associated with the hospital stay. So this new bill after two years is a news to me. I was never given a chance to address it.

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 2021-04-12
Company: Experian Information Solutions Inc.
State: KS
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:
Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial XXXX by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX  I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my abuser to further solidify my identity as a victim of abuse in many forms, financial XXXX being one of the many.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX XXXX  XXXX reported to all XXXX credit bureaus that I have more than 30 days late payments on both accounts, I have proof of payments between XXXX and XXXX, so this is inaccurate and misleading information and has affected my credit score by more than XXXX points.

Company response to consumer: In progress
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-18
Company: RIA FINANCIAL
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was charged on a bank account that I didnt authorized. When I was doing transaction I went through an instant bank verification where I want the money taken out. But I was still charged on an account that I previously used but not authorized for the current transaction in question. It cause me an overdraft and payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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: Old information reappears or never goes away

Complaint:
On XX/XX/2020, A charge-Off placed by XXXX/XXXX   was Disputed and removed from my XXXX XXXX credit report. Unfortunately, XXXX and Equifax are still showing this charge-off on their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
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:
I did not XXXX authorization or initiate these accounts, and it is unjust for me to bear responsibility for them. I implore you to promptly rectify this error.

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 2022-12-08
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:
XXXX, and Equifax are reporting late payments for an account that they are claiming is now charged off while XXXX is reporting it as a charge off with no payment history. How is this even legal? I was never late on the following account XXXX XXXX XXXX XXXX XXXX first and foremost, and the information is inconsistent between the 3 credit bureaus. They were notified twice to validate this account that they are inaccurately reporting on my credit report, but they have failed to do. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 6 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and/or the account to be deleted. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To whom this may concern : This letter is to inform you that these numbers XXXX and XXXX are inaccurate. 

This is not my phone number and I am not reachable at these numbers. These numbers should not be on my credit report profile ; they are incorrect. Please remove. 

My correct and accurate phone number is XXXX I have tried to dispute these numbers on my Experian credit report via the Experian website but Experian will not delete 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 non-monetary relief
Consumer complaint received 2019-05-30
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This day is not mine and it has never been mines this originated from my son who was at the time XXXX years old and he had health insurance at the time which was medical do this state because he was receiving social security XXXX and I told this creditor this was not mine this is my child into charge medical for this emergency rooms is it which they shouldn't charge them for but if it was going to charge him they should have put it to medical because he had health insurance I don't know how this got in my name and I don't owe this because it's not mine and they should have built medical when I attempted to explain the situation they told me that any told me that they can't look it up because it's too old and I no longer have any record of it this is not my eyes every time I try to dispute it it says it's accurate that it's mines and it's not I want it off my credit report is affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Avant Holding Company, Inc.
State: MN
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:
Here is the email I have sent to Avant resolutions department XX/XX/XXXX Fraud charge put onto my account XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX had auto withdrawl of {$25.00} XX/XX/XXXX had auto withdrawl of {$25.00} XX/XX/XXXX had auto withdrawl of {$25.00} + Annual fee {$29.00} So my XXXX Statement would have been the {$4.00} + XXXX + interest In XX/XX/XXXX I make the claim of the fraud charge XXXX statement the fraud change was removed, so my balance was a negative<credit> {$43.00} XXXX Statement still have a credit balance of {$43.00} XXXX Statement - AVANT PUTS THE FRAUD charge back onto my account of XXXX and claims that it is a separate charge because it is on a separate day. EXACT same vendor and EXACT same amount of {$79.00}. Also you see that when I made claim back in XXXX, Avant cancelled my original credit card number and issued me a new credit card. 

AVANT NEEDS TO TELL ME WHY THEY BELIEVE THIS CHARGE IS A DIFFERNET TRANSACTION and NOT BECAUSE IT IS ON SEPARARTE DAY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! AVANT PUT THE CHARGE ONTO MY ACCOUNT XXXX through XXXX I'm being changed late fees and my credit score has gone done from XXXX to low XXXX because of these late fees. 


Current statement, on XX/XX/XXXX Avant finally accepts my claim of the fraud charge and the XXXX along with the latest late fee has been removed, but I still owe late fees from XXXX - XXXX. 

Email from XXXX dept on XX/XX/XXXX Hello, I did get this over to my direct superior with Avant, this claim has been accepted with information you just provided and you will see the credit within the next XXXX as it does not reflect right away. I do know you mentioned this impacting your credit, you will want to reach out to customer service or the credit bureaus. If you contact customer service they will be able to see the notes on the claim in regards to Avant accepting the charge and credit being permanently issued back to you. 



Thank you, XXXX XXXX XXXX XXXX XXXX  Issuer Dispute Operations XXXX  Worlds Most Admired Companies XXXX | XXXX XXXX XXXX | Join Our Team | XXXX | XXXX XXXX XXXX XXXX XXXX XXXX or its affiliates. XXXX is a registered trademark of XXXX XXXX Privacy Notice From XXXX. XXXX XXXX XXXX XXXX XXXX. All rights reserved. Used under license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX  that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.

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 2023-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft. I have reached out to transunion all year round about this fraud on my credit. I have a fraud alert attached to my name and they are aware of this. XXXX have information about this all and failed to protect my identity. They told me to send all my personal information through the mail. That includes social, California id etc. Thats like giving someone your whole identity. I asked what is another way that i can send this type of information and they didnt help. My identity is being used nation wide and ther credit bureaus are not helping. I am not protected and brought every protection you can think of. They is one reason my identity have been tooling because they never tried to help and wanted me to send my whole life through mail. This is not okay. I cant open up bank accounts my credit is at a stand steal because of all this. I need help from anything PLEASE. Nobody is listening and this is why! I have police reports. Inquires need to be removed as well as anything else that was no by me. I need ALL credit bureaus to fix this problem.

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