BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is nearly {$9000.00} in medical debt from XXXX XXXX hospital collected against me. When I call the hospital they have no records that show I owe anything. I have tried disputing these and they continue to keep these wrong collections up. They dont respond or show me any evidence as to why they wont remove them. 

On XX/XX/XXXX centron services opened an account of {$86.00} on me and I didnt even live in the state at this time. 

XX/XX/XXXX centron services opened {$110.00} on me. Again I didnt live in the state during XXXX. 

On XX/XX/XXXX centron services inc opened {$190.00} falsely on my report. 

XX/XX/XXXX centron services inc opened {$360.00} on me and this is incorrect. 

XX/XX/XXXX centron services added {$640.00} to my credit and this is false information. 

XX/XX/XXXX centron services opened {$740.00} to my account. This is not correct. 

XX/XX/XXXX centron services opened {$1500.00} to my account. This is incorrect. 

Lastly, Im on XX/XX/XXXX centron services opened another account of {$3600.00} to my credit report. This is incorrect and I dont know where this high balance came from. 

They are illegally holding information from me and not telling me why they arent removing these marks that are false and have impacted my credit horribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Dear Credit Bureau, I recently obtained a copy of my credit report and discovered the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that only the permissible purpose for pulling a persons credit report is 91 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : 1.XXXX XXXX, Inquiry date XXXX XX/XX/XXXX 2. XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 3. XXXX XXXX, Inquiry date : XX/XX/XXXX 4. XXXX XXXX, Inquiry date : XX/XX/XXXX 5. XXXX XXXX, Inquiry date : XX/XX/XXXX 6.XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 7. XXXX XXXX, Inquiry date : XXXX XXXX, XXXX 8. XXXX XXXX, Inquiry date : XX/XX/XXXX 9.XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 10. XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 12. XXXX XXXX XXXX XXXX, Inquiry date : XX/XX/XXXX 13. XXXX, Inquiry date : XXXX XXXX, XXXX 14. XXXX XXXX XXXX, Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX date : XX/XX/XXXX Please remove these inquiries from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: Experian Information Solutions 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:
I have been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 non-monetary relief
Consumer complaint received 2021-12-28
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:
I have been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 non-monetary relief
Consumer complaint received 2019-11-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Date : XXXX To : Equifax Information Service LLC XXXX. XXXX  XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Strange Activities Verify my identity and current Address I am on a fixed income and I have spent approx. $ 20.00+/- via mailing/certified letters, by the way of mailing my ssn + Light Bill to Equifax. The last certified mail was sent XXXX, to XXXX. XXXX XXXX USPS certified, all has a clear copy of both documents requested. Either someone is taking the two main documents out of the envelop while at the USPS site or someone is taking the 2 main documents out at the Equifax office. If I did not verify my identity and current address, why did Equifax send me a Credit file dated XXXX when I talked to an Equifax Rep dated XXXX and after that I passed 3 different phone verification for identification. I received an XX/XX/XXXX Credit File because I was on the phone with Equifax XXXX. Equifax did not have a problem with me when I did a fraud alert XXXX living at the old address or when I open up a credit card with XXXX/XXXX  on XXXX and paid the account off with a XXXX  B only because I got mad with XXXX. I was over charged. As of XXXX, the XXXX-XXXX/XXXX  account is currently " Lock. '' You have my permission to ask that question to the company.

Who is pulling the strings to hurt me? SEE ATTACHED DOCUMENTS : 1. Credit File : XX/XX/XXXX Confirmation # XXXX 2. Credit File : XX/XX/XXXX Confirmation # XXXX 3. Credit File : XX/XX/XXXX Confirmation # XXXX 4. ssn document 5. Light Bill 6. Equifaxs letter dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX log XXXX Filename:XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a BestBuy credit card through Citibank. About a month ago I tried to setup online banking. For some reason there was an error. I contacted support and spent over XXXX minutes on the phone with different levels of their customer service. No solution could be resolved and I was told I would be called back. I provided my number and was never contacted back. 

Today, I tried making a payment which usually is simple over the over the phone. But it sent me right to customer support. Where I was told I was supposed to receive a confirmation code or something along those lines. Which I never did in the past month. 
So I was unable to pay my minimum. So I will be charged interest and a hefty late fee now. 

The customer service seemed incompetent when I talked to them about the issue. I can barely hear them when I call and I have trouble understanding them too. I tried calling Citibank directly but that lead to a dead end. 

At this point I just want this credit resolved so I never have to deal with this support or bestbuy/citi bank again. I've over an hour and a half of my time trying to solve something that seems to be simple. 

Thank you for your time and I look forward to hearing back.

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 2021-12-28
Company: Foris DAX, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I withdraw my consent from crypto.com using or sharing my personal information in any form. 
This is unlawful keeping my information hostage knowing that your app does not work at all in my state of residence. I have provided proof in previous emails that I own the account and receive excuses instead of deleting my account as requested repeatedly. This is not right what you are doing to us consumers who don't know the rules. The website does not have a way to delete accounts opened by accident and then we are given made up rules not provided on your website neither are the states or countries where your available provided. I'm tired of this behavior by all crypto and blockchain exchanges. All of you should be closed down permanently. 
PS. I have attached the message recieved in your app Regards, Need justice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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:
I recently pulled my consumer risk report through XXXX XXXX. My clue and consumer report has an accuracies that do not verify with the correct information. My name is wrong. My address is wrong and also other consumer reporting information dealing with credit and background that needs to be updated with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting and XXXX  Acct XXXX, XXXX. XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting and XXXX  Acct XXXX and XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 2023-04-28
Company: Experian Information Solutions Inc.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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

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 2023-01-06
Company: Navient Solutions, LLC.
State: AR
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:
My previous loan company that had been assigned to me was naviant. They told me that if I made 3 consecutive payments of I beleive {$300.00} on a specific date for three months in a row that I would qualify for an assistance program that would then secure me me making around a {$30.00} to {$40.00} payment each month for the next 64 months. I made two of these payments, and submitted my information ( which I was told they never received ), I then submitted it again, from which I heard nothing back from them. Shortly after making the second payment of {$300.00}, Navient was no longer the company I dealt with and I was assigned to a new company. I have patiently waited to see if that {$600.00} payment would ever show up on my credit report, and assumed the delay in its appearance was due to the pandemic. I recently saw an article that stated navient had been acknowledged for some deceptive tactics regarding student loan debt. I graduated college with a XXXX XXXX, and a XXXX XXXX XXXX. I would have liked to continue my education and obtain higher credentials so that I would hopefully obtain more opportunities for higher salary paying jobs, however, the interest is astronomically high on student loans and being that I am a XXXX XXXX XXXX XXXX  along with inflation, furthering my education does not seem like a very smart option at this time. I am worried that the upcoming absence of the deferred payments will require me to have to commit to the monthly payment I had tried to avoid prior to agreeing to.the terms of navients arrangement. These payments come to between {$250.00} and $ XXXX from what I've seen on my paperwork. Money is tighter then ever and I am literally living paycheck to paycheck. I am wondering if Navient fraudulently set me up on a plan that was set up to not be possible, and took my {$600.00} for whatever reason except to go towards any of my loans. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Throughout the week of XX/XX/2019 I contacted XXXX, Equifax and XXXX about adding my phone number to my fraud alert. They all refused and further demanded I mail in my photo ID in order to accomodate my request. 

The major issue here is that the bureaus can ask consumers all sorts of personal questions to verify exactly who they are only to tell them thats not good enough, mail in more of your personal information ... ... 

All I attempted to do was add my phone number, which was removed by each bureau, so that any creditor attempting to run my credit could call my number to verify it's me!!! 

The bureaus each state just to get my photo ID into the system would take as long as 10 to 14 days. In the meantime, I'm suffering the embarrassment of two creditors placing red flags on my pending  accounts as if I did something wrong because all the Bureaus demand I mail in my photo ID in order to verify who I am to simply add my phone number to the fraud alert! Really!!!!! 

Most credit bureaus have been hacked into recently with no fines to pay for allowing strangers into their platforms who now have all of my personal information. But yet they are here giving me a hard time!!! Why??? 

Fix this issue please! 


Secondly, I have previously complained of the abuses of all three bureaus, Equifax, XXXX and XXXX reporting a Bankruptcy on my report and demanded it be removed more than 10 times at each bureau as it does not belong to me and actually reports inaccurate information. 

In XX/XX/2019 I added a personal note stating that I have contacted XXXX to have that report frozen where no one has access to that information. However, as of XX/XX/2019 XXXX and XXXX refuse to remove the bankruptcy item form the report and so states that it is " verified as accurate ''. 

I have previously written to each bureau and demanded their procedures for verification as well as the names of any person who walked into the bankruptcy court and requested information regarding XXXX XXXX XXXX and a Clerk, any clerk, then and there gave over any form of verification to that person to report as verified as accurate. The Clerk at the XXXX Texas Bankruptcy Court states " this court will never verify any information to any credit bureau ''!!! This information is currently reporting as a personal note on my report and still causing loss and damages to my person XXXX XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
MY bank USSA is telling me that, I am responsible and liable to pay a vehicle loan I had taken out on XX/XX/2023 for XXXX to purchase a vehicle, a vehicle I never received from the dealership and do not have. the dealership committed fraud and filed for bankruptcy 3 days after receiving full payment from the bank on XX/XX/2023. I never received the vehicle nor was it ever in my possession. the bank wired the full payment to dealership account and didnt secure lien on this vehicle. The bank dont have the title or a lien hold on this vehicle. The bank did not secure the lien and dose not have the vehicle as collateral. So they are saying I am responsible even though the dealership breach of contract and breach of the New Hampshire Consumer Protection Act. That I am still at fault for the dealerships crime. The bank said Because the contract was with me and not the dealership I am responsible. I dont see how I would be at fault to pay back the loan. I have no vehicle and the bank has no collateral or Title on the vehicle. The bank doesnt own this vehicle because the lien was never secured on the vehicle I was trying to purchase.

I called USSA Numerous times to inform them about the dealership fraudulent scam so that we can collectively go after the dealership so they could pay USSA back. But USSA did not look into the situation even after I provided them with all the Documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a domestic wire transfer from my Chase account to another Chase account. Chase did not follow my wire instructions and sent the funds to a FOREIGN bank instead. Chase will not return the funds and has no explanation for this failure to deliver the funds as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX : I PURCHASED A {$500.00} VANILLA VISA GIFT CARD AT A XXXX GROCERY STORE USING MY CREDIT CARD. 

THE VANILLA VISA GIFT CARD IS ISSUED BY XXXX. 

THE VANILLA VISA GIFT CARD IS DISTRIBUTED AND SERVICED BY XXXX XXXX XXXX... 

XXXX : I CHECKED THE BALANCE. THE BALANCE SHOWED {$500.00}... 

XXXX : I TRIED TO MAKE A PURCHASE WITH THE VANILLA VISA GIFT CARD AND THE TRANSACTION GOT DECLINED .... 

XXXX : I CHECKED THE BALANCE. THE BALANCE SHOWED {$0.00} ( XXXX )... 

XXXX : THERE WAS AN UNAUTHORIZED FRAUDULENT TRANSACTION ON THE CARD MADE FOR {$500.00} AT XXXX... 

XXXX, XXXX XXXX XXXX XXXXXXXX - XXXX {$500.00}... 

XXXX : I FILED A DISPUTE FOR UNAUTHORIZED FRAUDULENT TRANSACTION ON THE CARD MADE FOR {$500.00} AT XXXX... 

XXXX : XXXX EMAILED ME THE COMPANY HAS RECEIVED MY DISPUTE FORM AND REQUESTED DOCUMENTS INCLUDING MY PROOF OF PURCHASE RECEIPT... 

XXXX DISPUTE CASE ID XXXX ... 

XXXX STATED THE EXPECTED COMPLETE RESOLUTION SHOULD BE WITHIN 45 DAYS TO 90 DAYS .... 

IT HAS BEEN MORE THAN 90 DAYS. I STILL HAVE NOT GOTTEN A RESPONSE OR RESOLUTION FROM XXXX IN REGARDS TO THE DISPUTE... 

THE RESOLUTION I WANT IS A {$500.00} CHECK SENT TO MY HOME ADDRESS FOR THE UNAUTHORIZED AND FRAUDULENT CHARGE MADE AT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 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.

It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : 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 non-monetary relief