BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.

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 2020-07-30
Company: Experian Information Solutions Inc.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2023-11-20
Company: EQUIFAX, INC.
State: CA
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 hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and were considered past due. The disputed accounts are listed below. 
XXXX XXXX  Account # : XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account # : XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/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 2023-04-04
Company: Rent Recovery Solutions
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This creditor ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX ) filed a collection ( Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ) against me fraudulently claiming that I owe XXXX while they were in ligation with myself over the matter. They also falsely sent this collection to all three credit bureaus even though I replied to the collection letter and disputed the debt and provided court documents supporting the debt isnt owed in fact the creditor is indebted to me for illegially locking me out of my unit breach of lease and discarding all my belongings. The creditor continued to charge rent late fees and other unwarranted items submitted these claims to the collection agency and now is refusing to delete items from credit report and rental solutions, XXXX is refusing to honor court documents sent and continue to verify debt with collector despite court order and keep telling me to obtain a deletion letter from collector after I explained and provided documentaion to support my claims that it was fradulently filed and I dont owe the creditor. On XX/XX/XXXX in XXXX XXXX Small Claims Court XXXX XXXX XXXX XXXX XXXX XXXX case XXXX awarded me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Credit Karma, LLC
State: SC
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 XX/XX/2022 Credit Karma suggested I applied for a XXXX XXXX Credit Card, through Credit Karma, to help improve my credit score. The website also stated, my chances for approval was good and shouldn't drop my credit score no more than XXXX points. So, I applied and was APPROVED for a credit card. This one hard credit inquiry, decreased my credit score with XXXX by XXXX points. As, of today the XXXX point issue was resolved. However, Credit Karma also stated if XXXX payoff one of the items showing on my credit report, my credit score would increased by XXXX points. So, I took their advise and paid off two of the items that was showing on my credit report, XXXX XXXX XXXX and XXXX XXXX XXXX. Upon speaking with both agencies they informed me they would report to the 3 credit bureaus of my payment. ( Please see attached previous complaint issue that was resolved, bank statements of payments, and Credit Karma solution to increase my score ) As of today, I have not seen this increase in my credit score to paying off the items Credit Karma suggested. Also, I've spoken with all agencies above but this issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: AmeriCollect
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made several phone calls regarding this debt from Americollect as they are the debt collection agency that has purchased the original debt from XXXX XXXX XXXX. 
I am a Medicaid patient and it unlawful to collect from a Medicaid patient an entire, partially paid or non paid bill. As a Medicaid patient this is not supposed to be on my credit nor being reported that this is a debt that I owe. My insurance carrier has advised them this is not covered due to being out of network and this was an emergent occasion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 2022-03-04
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As per the XXXX limited waiver as of XX/XX/2021, Ive applied to consolidate my student loans, which include both direct loans and not direct loans. The language of the waiver states that with consolidation, the repayment clock will not be set back at zero. However, in my initial letter received from Fedloan servicing, it says Remember, you will need to make another XXXX qualifying payments on your new Consolidation Loan. I asked for clarifying about this via email but have not received a response, other than another letter reminding me that I have 10 days to cancel my consolidation. I am petrified that I will lose credit for my XXXX out of XXXX payments if this is the case. There is clear discrepancy between the XXXX language and that of Fedloan servicing, and it may cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I am writing to you to report a fraudulent charge made to my Ink business credit card account by JP Morgan Chase. On XX/XX/2022, a mysterious charge of {$3500.00} for Pet Supplies appeared on my account. I have no knowledge of this transaction, as I do not own a pet, and I have never been to a pet store in XXXX, TX where the transaction supposedly took place. 

I have been disputing this charge with JP Morgan Chase for months, and they have not been able to provide any evidence that this transaction actually took place. I have done my investigation and found that there is no pet store in XXXX, TX with the name they provided, and the store that comes closest to their description has no record of a transaction for that amount on that day. 

I have contacted JP Morgan Chase 's executive level team, but they have been unhelpful, giving me the same answer every time and making me wait a month before responding. I have been told that I am responsible for this charge, even though they can not prove that it actually happened. 

I believe that JP Morgan Chase has committed fraud and is trying to make me pay for a charge that I did not make. I am requesting your help in resolving this matter and holding JP Morgan Chase accountable for their actions. I have evidence to support my claims and can provide further details upon request. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am currently on an a IL repayment plan which is the default plan after I did not recertify my IBR repayment plan. This IL plan is essentially the equivalent of a 10 year standard repayment plan which means my payments still qualify for PSLF. 

I went to the federal student loan website to review other repayment options and ICR was listed as lower. I filled out an application based on this. XXXX had a different calculation method and stated the payment would be significantly higher than that listed on the federal website. They had placed my application on hold and did not process. When I called them in XX/XX/2018, I asked that my application be canceled and make no changes to the repayment plan as it was the lowest and payments still qualify for PSLF. 

They stated they need to do some administrative things on their end to cancel however my loans are in forbearance and in a repayment plan I did not request. I can not even get a standard 10 year repayment plan which would still qualify for PSLF as it is not even offered. The payments in the new plan are higher and do not qualify for PSLF. I have spoken to customer service several times to reinstate the previous repayment plan that I was on as I never requested to be changed over to this new plan nor placed in forbearance. I was specifically told the application was on hold and that my application will be canceled. I am unable to get a timely resolution before the next payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: TN
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 interested in processing disputes for all of the following information on my experian credit report. looking at my credit file ive noticed alot of inaccurate data that needs to be removed. please review an delete all items 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 2023-04-04
Company: U.S. BANCORP
State: UT
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 filed a complaint regarding a hard inquiry on my credit report on XX/XX/ from a US bank and stated that I have never done any business with a US bank in the past or present. US bank replied to the complaint mentioning that the hard inquiry was part of the application process. They mentioned that the application that they assumed I filled out was rejected, and the reason was " UNABLE TO VERIFY IDENTIFICATION INFORMATION ON THE APPLICATION. '' I have never applied to anything with a US bank, and their letter indicated that the identity of the applicant was not verified. I tried to call US Bank several times to ask about what kind of application it was because I never applied to anything with US Bank, but I always get a recorded message asking me to go to their website to get an answer to most of the questions. 
US bank refused to remove the hard inquiry on my credit report even though they were unable to verify the identity of the applicant.

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 2023-07-03
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I dont have an account with this company. The name of the company is explore credit. When I received a charge through my checking account in the amount of {$280.00} I began to research who this company was to find a phone number to call them and let them know that this charge to my checking account was fraudulent. I had spoke to someone by the name of XXXX who advised me that I had applied for a loan and received {$900.00} and they were debiting my account. I explained to the customer service rep that I did not apply for a loan and I didnt even know anything about them. I explained that they should not be taking out any funds from my account. He then put me on hold, asked me for my Social Security number, which I was reluctant to have to give him to get the any where with the situation. 

He advised me that there was an error and that it would take 3 to 5 business days for the funds to go back into my account. I explain to him that I didnt have an account with him. Why is it taking so long for the funds to end up back into my account, he stated that thats just how Banking works. I said to him do you just go around just taking money out of peoples accounts that dont even have an account with you I mean how did you get my information anyways, he couldnt answer that question. I explain to him that he had put me in a horrible bind as I have XXXX XXXX XXXX XXXX and a holiday tomorrow. He couldve cared less but I find it kind of strange that this gentleman had my information including my checking account information as well as my Social Security number and I did not have an account with his company nor did I ever apply for a loan with them, they now have my money and are telling me that I have to wait. He told me I could contact my bank and they could put a request in to reverse the funds. I explain to him that it should not be up to me to have to deal with any of this Since I didnt have dealings with his company that they have put me in a horrible bind he gave me an empty gesture and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-11-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello my name is XXXX XXXX XXXX I was notified by XXXX XXXX also name Chase and XX/XX/XXXX said I opened an account. And put an counterfeit check in the bank account I have never bank with chase so I disputed because they told me I old them money of {$1500.00} I need to pay this money off so I pay it off on XX/XX/XXXX and they told me I can get a bank account after I pay the money off. I went into the branch in she look on her system to see if I qualify for a bank account and she yes I do qualify after that she called the back office in the told me I ca n't ever bank with you guys again. So this was not my fault I went down to the police department to get a police report so now i need to get this fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.

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