BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: GA
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 has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, XXXX XXXX has added 3 additional months on my credit file.

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 2023-05-22
Company: BCG Equities, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Just received notification that I was sued by this company, or actually it's a debt buyer that just happens to be owned by a law firm that also sues for other debt buyers, or so I was told. I literally found this out after receiving an unsolicited letter from a bankruptcy attorney. Case number is XXXX I'm on social security XXXX. Obviously with a limited income, there will be debt but they never notified me about this debt. If they did, I didn't hear from them. They just went ahead and filed a lawsuit. I know that's their business model, but I don't think suing someone who obviously doesn't have very much money without notifying them first is very ethical. 

They might think different, as they are attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Someone accidentally sent me {$200.00} on Venmo on XX/XX/2019 at XXXX XXXX PST. The payment was intended for someone else and it was a complete mistake on their part. When they figured it out, they contacted me and asked to send it back because of the fact that it was a mistake, and I agreed knowing that they did not intend to send me the money. Unfortunately, my Venmo account was negative at the time, so I couldn't send it back. Knowing that the money wasn't mine and that they needed it, I reached out to Venmo customer service and asked them to cancel it and reverse the transaction. My overdrawn account should not become her problem because she made a mistake. Much to my surprise, after having me on hold for an extended period of time, they returned only to tell me that they could/would not reverse the transaction. I asked them to set me up on a repayment plan to satisfy my negative balance and to return the money to the sender, a d they agreed to set me up on a plan, but not to reverse the transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to LoanCare in XX/XX/2019. I received notice of my new account number and changed that account number with my banks online bill paying service. My bill service somehow inadvertently used the old account number on the first three payments to the loan company for XXXX, XXXX and XXXX of 2019. I contacted LoanCare and submitted documentation of the three payments made. To date, they have credited me for two of them. My payment from XX/XX/2019 is still not properly credited so my account shows that I am a month behind on payments. I have contacted the company nearly every month since to have this rectified. Every customer Service person I have spoken with has said that all the documentation is there and there should be no problem with the payment being properly credited within the next 30 days. Every month, it never happens and I have to call them again. The last time I called in XX/XX/2019, they told me the complaint had been closed/resolved in XXXX and yet the payment is still not credited to me. They reopened the complaint again at that point and said that it should be credited within 5 days. Today is XX/XX/XXXX and it is still not credited to my account and I still am showing 30 days delinquent on my mortgage.

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 2022-12-15
Company: EQUIFAX, INC.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: NY
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:
Regardless of the previous written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-08-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX XX/XX/XXXX, XXXX pop up and asked me to apply fo an XXXX credit card, an due to my purchase I could have saved XXXX. I do shop XXXX frequently. So I applied, and within seconds the response replied that I was denied for credit, because the card holder was Chase Bank. 

This is the second time this happened to me, this happened last summer with the XXXX rewards to receive XXXX travel points. I was denied because the cardholder was Chase Bank I pay all my bills on time. I do not have bill collectors calling me. I have a good credit score, there is no reason that I should have been denied. Other than a person vendetta. 

I had/ and still have a mortgage/ life insurance policy with Chase Bank in which they refused to pay. So any card I apply for in which Chase Bank hold, the refuse to give to me. 

Which in fact Chase owes me the face value of mortgage policy in the amount XXXX policy in which they sold and collected as auto pay and are continue to collect as an auto pay monthly, they have done this to not only me but to several customers during the year of XXXX to XXXX. Chase Bank claims they have done nothing wrong, but actual they have, sold the phone listing to the parties to contact the individuals, and all the transactions happened within the chase account and forwarded every four weeks to the insurance. This places the bank Chase hands on right in the middle of the process, known as the middle man. We as consumers should be protected by these banks, and now the bank is denying my credit for there errors. These accounts should be removed from Chase Bank. A service contract of XXXX is still owed to me from Chase I only received a partial payment of XXXX. When I called Chase I was informed by Chase they did not have my money, low and behold I received a check for XXXX, still waiting XXXX balance. I sent letters and have had no response ... Someone should notify The XXXX account, XXXX. And tell the my story. This my be something I should do if the does not get rectified.this is why Chase refuses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is my 17th XXXX 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, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2022-11-04
Company: Oklahoma Student Loan Authority
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} DPT ED/XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit report notice shows a default to a power company in the amount of {$620.00}. 
Account opened XX/XX/2022. 
Service power address is where I lived 15 years ago. 
I am legally divorced ( 15 years ), and ex-wife still lives at service address. 

The debt is with collections so I can not dispute who authorized the account with the power company. 

I live in the same house with the same utilities going on 14 years with never any association with my ex-wife ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I do have Equifax Complete Family Plan. I am trying to add my children to Equifax Child Monitoring. I tried to add them via online, I got message that " We need some more information Youre taking steps to help better protect your family members. Because a credit file for already exists ( which may be the result of credit activity such as an active credit card or car loan ), we'll need some documentation to verify guardianship and add your child to your account. 

Please call our customer care team at XXXX ( XXXX ) and get started today. " I called around XX/XX/XXXX, I was told fax to Equifax ( Copy of DOB, Copy of SSN and My Driver License. 
I faxed them XX/XX/2021, I called 3 week later, i was told they can not find FAX, send it again. 
I faxed them on XX/XX/2021. 
i called week later, I talked to agent and confirmed they received Fax, and i was told, they will process and call back later 5 business day. I called again XX/XX/2021 approx XXXX I was talking to XXXX , He was unable to add them to Child monitoring system, He submitted Ticket. I got Case # and was told 7 to10 bussiness days. I called XX/XX/2021, Talked to XXXX and same problem, they can not add them then i asked for Supervisor, His name is XXXX, He was telling me He will email to Techanical Team about this issue. He gave New Case #. i was told wait again 7 to10 business days. 
I was trying to add my children to child monitoring via Equifax website. I was getting same message. I called XX/XX/XXXXapprox XXXX, I was talking to XXXX, he also can not add my children to child monitoring. I ask for Supervisor. Supervisor name is XXXX. 
After 1hour and 30Mins, I got new case #. 

I am really tired with this type of service. I am paying for Equifax complete family plan. still I can't use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX   They gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-12-15
Company: EQUIFAX, INC.
State: DC
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 submitted multiple letters to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX  XXXX Balance Owed : {$5800.00} ; XXXX  XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}

Company response to consumer: Closed with explanation