BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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:
This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX Balance {$260.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2023-05-13
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my neice sent me 30 followers to my goggle pay acct and since then I've been trying to add a card to with draw the funds and I even tried send her the XXXX back but said my acct was suspended and when I sent in all the proof to them ontop of talking to Google and answering there questions the emailed me today to let me know that that closed my Google pay and can'teven refund my XXXX bucks or even send it back to the sender .and that they don't have to explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 for erroneous reporting in my file and are listed on my credit report Please verify the following accounts : XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance {$660.00} XXXX  XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : $ {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$380.00} Be advised that this complaint is my follow-up to make sure that the listed accounts are verified.

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 2023-05-13
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4000.00} ; XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXXXXXX XXXX  XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX  ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX  Inquiry 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 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
1. CREDIT REPORTING 2. IMPROPER USE 3. IMPROPER REPORTING 4. DESCRIPTION SEE BELOW Be it known that this notice of consumer check and challenge for lawful reporting compliance is officially composed a writ and formal complaint that you are reporting one or more of the following illegally : XXXX XXXX XXXX / Case # XXXX XXXX XXXX XXXX XXXX XXXX / Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX XXXX / Case XXXX XXXX XXXX XXXX XXXX/ XXXX Upon receiving my Consumer Report, please provide me with physical proof of compliance and verification. 
You are not authorized to retain or report this allegation if it is not physically irrefutable. 
The use of subterfuge to prove compliance and accuracy of every single aspect of the data is unlawful. In order to ensure that your company retains CURRENT, TRUE, CORRECT, COMPLETE, and MANDATED information in accordance with the FCRA regulation, I demand that you annul any and all details that are inaccurate or not in compliance. 
Please review and ensure your full compliance with the laws governing your practice of reporting consumer credit profiles. 
note : I DO NOT authorize you to mis-report any misinformation now or in the future. 
You must return to or maintain compliance as mandated without injury or prejudice towards me now or 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 2022-05-21
Company: Convergent Resources, Inc.
State: NY
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:
Im Accordance with the fair credit reporting act XXXX  account # XXXX, had violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-05-13
Company: Experian Information Solutions 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:
This complaint is to notify you to remove the disputed items in my credit report for they are fraudulent and must be dealt with immediately. 

Please remove the following items immediately : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX XXXX XXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$390.00XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX  Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : 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 2022-12-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
-- -Wrong employment and home address EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -Showing balance but supposed to be closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXShowing balance but supposed to be closed. 
XXXX XXXX  XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$11000.00} Closed -- -Showing duplicate loans from XXXX different departments. 
XXXX XXXX XXXX XXXX  XXXX XXXX -- XXXX school loans closed but showing a balance. 
-- -They started my time over, the loans should of fell off my report. 
Reported : 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 2017-11-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due toXX/XX/XXXXon my credit card accounts.

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 monetary relief
Consumer complaint received 2023-05-08
Company: Couch Lambert LLC
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account was from XXXX XXXX which was discharged in a class action lawsuit against XXXX XXXX in XXXX. When the original debt was initiated I contacted their Arkansas law firm an worked out a deal to ay off the amount at {$5100.00}. I contact that firm, they asked for an explanation and if I objected to a plan. That's what we agreed too. When XXXX of XXXX came I contacted the firm again and let them know, per their advice, I reached out to XXXX  with a settlement request that I emailed, per the firms instructions, in an attempt to pay this debt off. The firm never responded to any communication from me. We were later notified that this debt was not to be collected on, reported to the credit bureau, or any negative items placed in public records because of the class action suit. The Arkansas firm, I contacted once more, to see if there was an agreed upon amount. Once again I received NO response from the Arkansas firm. Then in XXXX of XXXX I get notification from the firm in LA that there is a garnishment order against me. I called the debt collection office and asked to settle the debt, they asked me how much, I told them the original agreement was for {$5100.00} with the Arkansas firm that I'd not heard back from and since this was their partner in AR I'd like to just go ahead and pay off the original {$5100.00} debt and be done with it. I also asked for verification, from XXXX XXXX  of this debt to be sent to me, on XXXX XXXX LETTER HEAD so I could see the breakdown of the debt and what they were wanting me to pay. 3 times I requested that from the law firm/collection agency and all three times the only thing I received from them was a " Summation of Charges '' they sent me on their own letter head. I made the offer to pay at {$5100.00} and they refused stating that they had a judgement against me and that they wanted the entire {$8800.00}. I asked why we couldn't pay the agreed upon amount of {$5100.00} and I was told because the attorney wants all the money. I even asked for a payment record of what payments I had made on the account, several times, and not ONE TIME was I even sent any type of verification or record of payment on the account by the firm. When I called today to pay off the debt, they told me that they took credit cards and debit cards, I offered a debit card the man said he couldn't take it? I asked how they'd like for me to pay this he made me do a check by phone. I asked for a receipt of payment today to so the debt was paid off, they refused and told me that I would get a letter stating it had been settled in 25-30 days. That was the end of the conversation so I paid the amount off and hung up on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: IL
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 an ongoing dispute with Experian to dispute a couple accounts that were included in a XXXX XXXX  bankruptcy, the public record has been removed from my credit report. I've disputed exhaustively, numerous times to have the XXXX remark removed from the below accounts, especially since XXXX and XXXX report the counts as " closed by credit grantor ''. These are the accounts and dates disputed for each : XXXX XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 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 2022-05-21
Company: Sentry Credit, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sentry Credit Inc just recently within the last couple of days reported an account for {$200.00} to all three ( 3 ) credit bureaus which in turn caused a collection account affected my credit rating and showing a have a bad debt. The original creditor was the XXXX XXXX, in which I never lived here I applied for an apt back in XXXX of XXXX. The administration and application fee was {$200.00} in which I paid via my debit card. I called the apt complex at least 6 or 7 times to check on my application status and this was over a two ( 2 ) week period even left five plus voicemails. I even stopped by the office and they had a note stating you had to call they were not allowing people in the office because of COVID. The apt complex never processed my application or returned a phone call. At this point I had been waiting over two weeks for an application to be run and processed. I called once more and left a voice mail stating you all never processed my application so I would like a refund for the {$200.00} I paid. I waited another ten days still no response from this irresponsible company. I did the best and correct thing, I contacted my bank and filed a dispute for a refund due to me not receiving the services I paid for. This company not only sold my info but allowed a credit agency deemed my credit file for a debt that I dont owe. This is my first and last time disputing this with Sentry even though they never sent anything in the mail but slapped this incorrect debt on my credit file. If this debt is not removed from credit filed and zeroed out and the account is not closed immediately, I will be filing sue against The XXXX and Sentry for court cost, damages, unlawful and unfair practices. Also, for time off work to go file a sue plus gas and mileage to get to the court house. I take this very serious I dont owe this company any money 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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have been attempting to pay this loan off on full for a couple of months now. I submit payment, and receive notice that the funds will be taken out of my account. The money is not taken out, and the company continues to report incorrect account balances to the credit bureaus. The auto pay feature is turned off as I do not want to make a monthly payment, I would like to pay this off in full. The loan reported delinquent most recently on XX/XX/XXXX, one day after I again submitted payment for the complete balance. Again, there has been no debit from my bank account, and no history of my attempted payments in the app. Payments are not being returned, they are just not hitting my bank account. There is no attempt from the company to accept the full payment that I keep trying to send. 

I have sent emails to the company, as well as calling. The phone number, XXXX does not allow you to speak to a person. I receive notice that someone will respond to my email, but my most recent email, sent on XX/XX/XXXX has still not been responded to. 

Meanwhile, the balance continues to report incorrectly to the credit bureaus, tanking my credit score while I am beginning the home buying process. Since the company will not address, I reached out to the CFPB for assistance, as they are operating seemingly without being regulated. Please assist.

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 2023-05-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I participated in the chase auto payment deferral program due to covid 19 hardship. On deferral months payments would be added to the end of the loan with no effect on your credit rating. However, I was marked with a 30-day late in XX/XX/2020 and again on XX/XX/2020. My auto payment was deferred in both instances ( XXXX & XX/XX/2020 ). I have uploaded a copy of my credit report showing both 30-day lates. As well as statements for both months showing my payments were in fact deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt has to do with an apartment lease that the apartment complex broke in XX/XX/2020. A company that buys debt from apartment companies called National Credit Systems has posted this debt on my XXXX Credit report has described the debt as " XXXX at XXXX XXXXXXXX XXXX  '' and listed the debt amount as {$2500.00} I was current on my lease, reported my HVAC unit had broken in the middle of the summer on a Friday afternoon and even though the apartment complex had an after hours repair people, they did not fix my HVAC system until the following Monday. As they had broken the terms of the lease agreement and after that, I could not depend on them to honor the terms of the lease, I moved out before the end of the lease as the lease was, at that point, invalid.

Company response to consumer: Closed with explanation