BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: NC
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 explanation
Consumer complaint received 2022-12-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid 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:
On XX/XX/2022, while I had my Citi Bank AA Advantage XXXX in my possession, there were XXXX charges that occurred at XXXX XXXX without my authorization. XXXX charge was {$230.00} and a second charge for {$90.00}. 

I completed a dispute through Citi bank but they said that because the card was not reported lost or stolen and the card can not be cloned, they can not reverse those charges.

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 2017-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Documentation was sent to Experian listing a request for the deletion of multiple inquiries that were listed on my report in error. I also spoke to someone in their special handling before it was not helpful even though she had my police report that I previously sent. Proof of any signature on an application from me requesting credit. The following are the inquiries that I expect to be removed : 1.XXXX XX/XX/XXXX, 2. XXXX XX/XX/XXXX, 3. XXXX XX/XX/XXXX, 4. XXXX XX/XX/XXXX, 5. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 5. XXXX XX/XX/XXXX and XX/XX/XXXX, 6. XXXX XX/XX/XXXX, 7. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, 8. XXXX XX/XX/XXXX and XX/XX/XXXX, 9. XXXX XX/XX/XXXX, 10. XXXX XX/XX/XXXX, 11. XXXX XX/XX/XXXX and XX/XX/XXXX, 12. XXXX XX/XX/XXXX and XX/XX/XXXX, 13. XXXX XX/XX/XXXX, 14. XXXX XX/XX/XXXX, and 15. XXXX XX/XX/XXXX. I also have XXXX accounts that I asked for verification on and was refused. I understand that it 's my right to have everything report so I expect for that to happen. The accounts are follows : 1. XXXX, XXXX, XXXX, and connected account number XXXX is showing me having a late payment which is in accurate. I 've never been late on my account so please have that fixed. All I want is for Experian to follow the laws which are set up to protect us as consumers.

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 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
are results of identity theft. These items are not related to any transaction completed by me. 

XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: DE
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:
I noticed there was a late payment reporting on my credit report, and under 15 USC code 1681a definition and rules of construction ( 2 ) exclusions : the term credit report does not include ( i ) : report containing information solely as to transactions or experiences between me the consumer and the person making the report. I also recieved an alert on my credit monitoring service that XXXX XXXX fixed the error and updated everything to current, so there should be no late payment reporting at all.

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 2017-04-04
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I cosigned a loan with XXXX XXXX, now Navient, and they will not tell me the steps that the borrower and I need have done in order to release me of the loan. They said they will only discuss it with the borrower, who unfortunately for me, is unreliable when it comes to contacting Navient. Nothing that I signed to cosign the loan ever stated that I was n't able to discuss my cosigner release steps. I 'm being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Agency has been sending mail to my address and calling my phone none stop in regards to a debt I know nothing of. Collection agency has been calling me none stop about a {$1800.00} debt. This collections account is now on my credit report and is holding me back from being able to obtain credit. I 've reached out to this agency to get this removed from my credit report but they 've refused to do so. I did not authorize anything in regards to this debt and they have yet to provide proof of who is the owner of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CCS Financial Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collection company is attempting to collect a debt that is not mine. The debt is for insurance on a home I do not own and they will not correct their error.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) + XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Finance/Personal ( XXXX ) XXXX Collections XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$500.00} Needs Attention XXXX XXXX XXXX XXXX  {$300.00} please remove all items due to and resulting from the identity theft that should be blocked, by name of the source, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity Copy of 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 explanation
Consumer complaint received 2017-04-10
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received a certified letter from Chase attempting to collect a safe deposit box fee that was cancelled and discharged through Chapter XXXX bankruptcy. I filed in XX/XX/XXXX, discharged in XX/XX/XXXX. The deposit accounts and all closed and discharged. 

I emailed the Chase Executive Team on XX/XX/XXXX, and still to this point have been told that the legal team has it but no updates or other information can be given.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Patriot Mortgage Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I accepted a refinance loan from XXXX XXXX and Patriot Mortgage company. The line was signed and notarize on XXXX XXXX 2015. Now I am being harassed to sign documents that are clearly designed to raise the mortgage amount by an additional XXXX dollars and add more money onto my principal. I did sign a limited power of attorney which statesThis limited Power of Attorney may not be used to increase the interest rate. the term of the loan or the monthly principal and interest. Any of these changes must be executed directly by the undersigned whch is me an I will not sign these papers under any circumstance. I took this deal because I was desperate for cash and I was told I would get a XXXX refund from my escrow account. The XXXX refund turned out to be XXXX Patriot title is trying to say because I accepted XXXX dollar refund from my escrow account I am legally obligated to sign this paper work. The refund was quoted as a XXXX refund which is why I originally accepted the deal in the XXXX place. This refinance in turning into a nightmare. I am tired of being harassed I want a formal complaint done some type of reprimand done.I would like you to review this deal especially the calls between myself and XXXX XXXX at XXXX. and if at all possible I want to get away from this company this is the most disreputable company I have ever worked with. I was originally told by XXXX I need to resign because my signature did not come through on the some of the copies that were faxed over. I knew right then he was lying, because a notatory was sent to my home to make sure each of papers were signed properly. When I looked at the paper work I could see the changed they loan payoff from XXXX to XXXX increasing the principal.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-02
Company: Blackhawk Network Holdings Inc.
State: MT
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
On XX/XX/XXXX I purchased a reloadit pack, issued by Blackhawk Network California , Inc.. I put {$400.00} on the card at the register. My receipt says AUTH : Approved, as well as an approval number. On the Reloadit Pack it states to go online and set up a Reloadit safe. I have attempted to open a safe for 72+ hours now, have spoken to 4 customer service representatives, and been assigned 3 different case numbers. I was told that I would be contacted by email after 24 hours, however, I have yet to receive any sort of correspondence. I put this money on the card, so as to pay bills that were/are due. Now they are overdue. Is Reloadit going to pay my late fees?! This is completely asinine, and what claimed to be a fast and easy process, has turned into a complete nightmare! I just want my {$400.00} back, and will NEVER EVER use a prepaid system again. I feel like this was a complete and total scam. They should be held accountable, and charged with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
There are several inaccuracies reporting on my credit report and I've contacted all three bureaus about it and it still remains on my credit report inaccurate.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Subject : Complaint Regarding XXXX XXXX XXXX - Violation of HIPAA Law Dear CFPB, I am filing a formal complaint against [ XXXX XXXX XXXX ] concerning the collection efforts they have initiated for a medical bill, which I believe is in violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and other applicable laws and regulations. 

This dispute is in reference to the following alleged debt : Creditor : XXXX XXXX XXXX Account Number : XXXX Date of Service : XX/XX/2023 Amount : {$910.00} I assert that I am well aware of my rights under HIPAA and other consumer protection laws. The medical information being collected by [ XXXX XXXX XXXX ] is protected by HIPAA, and it is unlawful for any debt collection company to disclose such sensitive information without proper authorization. 

I have not granted any authorization for the disclosure of my medical information to [ XXXX XXXX XXXX ], nor have I authorized them to engage in collection activities on my behalf. 

I demand that the Consumer Financial Protection Bureau investigates this matter thoroughly to ensure that [ XXXX XXXX XXXX ] complies with the provisions of the Health Insurance Portability and Accountability Act ( HIPAA ) and other relevant laws and regulations. I further request that [ XXXX XXXX XXXX ] provides the following information to validate their claim : 1. Verification of Debt : Provide a complete breakdown of the debt, including the original medical provider 's name, the date and nature of the medical service, and an itemized statement of all charges. 

2. Proof of Authorization : Furnish evidence demonstrating that I have authorized the disclosure of my medical information to their company.

3. Compliance with HIPAA : Explain how their collection practices comply with the provisions of HIPAA and safeguard the privacy and confidentiality of my medical information. 

I demand that [ XXXX XXXX XXXX ] immediately cease all collection activities related to this medical bill until they can provide the requested documentation and demonstrate compliance with HIPAA.

I am enclosing copies of all relevant documents, including the credit report showing the collection entry, to support my complaint.

Please keep me informed of the progress of the investigation and any actions taken by the Consumer Financial Protection Bureau in resolving this matter.

Thank you for your attention to this complaint. I look forward to a resolution that upholds my rights under HIPAA and other applicable laws. 

Sincerely, 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 2017-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax, XXXX and XXXX are reporting a debt from XXXX XXXX as being accurate. I have asked all XXXX reporting agencies to verify the information and to include specific method of verification. Request for method of verification has been ignored and the debt is being wrongfully reported. 
In addition, I have contacted both the original creditor and the collection 's agency used to collect the debt and asked for validation. It 's been over 30 days and I have received nothing from the original creditor. The collection 's agency responded that they will cease collections activity and were not able to validate the debt. If neither the creditor nor the collections agency have not validated the debt, how is it that the credit bureaus are reporting this information? They have clearly not done their due diligence as required by law and are merely parroting what the creditor told them. This misinformation is hurting my credit and subsequenlty, my ability to receive credit. I would like the credit reporting agencies to be held accountable and this inaccurate information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am requesting that student loans to be removed from my credit report. I am not responsible for the student loans.The responsible party for the student loans is my daughter XXXX XXXX. The loans are generating from the XXXX XXXX XXXX and XXXX. I have communicated with the XXXX XXXX XXXX regarding the loans and I have noticed the loans are still on my credit report.The XXXX XXXX XXXX have reassured me that the student loans would be removed from my credit report several times.I do not owe student loans I am not the responsible party. This situation has impacted my lifestyle, and my credit. Although, the accounts are closed they have hindered my growth with my credit and possibly purchasing a home in the future.

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 2016-01-21
Company: Mobiloans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
took out the the load from mobiloan. After, discovered and the terms and conditions of the load were unlawfully in my area. have contacted the company asking to surrender the load without penalty and interest. They refused and to day keep harassing me over the phone 10-20 times each day as well as placed a negative entry in my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-01
Company: Direct Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Received a robocall today. The caller identified themselves only by a first and last name. Claimed that my " file '' had been flagged by " internal audit '' and that I needed to pay {$450.00} to prevent it moving to the next stage. did not provide company name, credit name or any other explanation. Went on for some time listing various percentage and dollar amount " settlements ''. This same message indicating my " file '' was in their office and a lot of other pseudo legal terms was left on the voicemail of several friends and family members.

Company response to consumer: Closed with explanation