BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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:
I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to Experian, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
FXXXX 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 Original creditor : XXXXXXXX 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 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is still saying that I have a balance on this account and has still been flagging my account as " Late '' since it was settled by the courts on XX/XX/XXXX. I don't have the full account number, but my XXXX credit report lists the first 12 digits as XXXX. 

XXXX XXXX garnished my wages until the account was satisfied on XX/XX/XXXX. The Superior Court of the District of Columbia case number for this matter is XX/XX/XXXX XXXX XXXX. A copy of the court document is attached. 

Also, I've attached the results from my recent XXXX dispute and a printout of what is currently showing on my TransUnion report via 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 2022-04-08
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I reviewed my credit report and saw that XXXX at XXXX was STILL reporting to my credit for Equifax. This account has been paid in FULL! I have attached proof of payment and would like for you to remove this from my credit report at once! This is tarnishing my credit score and impacting my buying power. I have already sent over XXXX rounds of dispute letters!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/2022, XXXX XXXX, Account number XXXX, Date opened XX/XX/2022. Please provide proof of how you investigated these accounts belong to me.I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Trans union LLC is still reporting unauthorized inquiries that was placed on my consumer profile with out my written permission. XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX and a new inquiry was just placed XX/XX/XXXX XXXX. Its been over 60days of my trying to resolve this issue with TransUnion. Its on file with TransUnion that I was victim of my data being compromised. And TransUnion responses with a recent letter. Stating that my being a victim of identity theft. Does not apply to unauthorized hard inquiries that was placed on my trans union report. That was placed with out my written consent. I will be submitting TransUnions response letter to the states attorney office. And I did hire legal counsel regarding. The violations And laws trans union continuously. Continue to break and unfair credit reporting with disregard of the consumer non personal information. Who TransUnion never had the lawful authority to publish in the first place. With out my written consent

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 2020-03-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Chase on Monday, XX/XX/XXXX. I was told by automated message that I would be on hold for 1.5 to 2.5 hours to speak to a representative regarding my difficulties paying my mortgage due to loss of income during the Coronavirus outbreak. I was told by the representative that it was taking so long because the interest rate was decreased and the same department was busy refinancing mortgages for clients. When I did speak to someone, I was direct to chase.com/mortgageassistance where I am required to complete and mail in a collection of documents, including a profit and loss statement for my business. I do not have such a document completed yet and due to the delay in income tax filing, this is an extreme effort to put this together before I run around of funds for my mortgage. I have never missed a mortgage payment in my life and I need more immediate assistance, not a complicated process where I am being asked to meet a list of requirements to simply request some kind of deferment in payments. I have not experienced any interest or compassion from Chase in helping me address my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Voss & Klein, LLC
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:
back in XX/XX/2014 XXXX XXXX XXXX did work for me at my t house. I contracted them WITHOUT a time frame. after I saw they were not doing the correct service I terminated them after a day. they billed me for 3 and wrote on top of contract a minimum term which is not initialed by me or them! they were being thieves and I paid them for the time which they did the job, that's all they deserved. I am a reasonable and fair and have ALWAYS paid my obligations. I have asked the collection company for a copy of the executed invoice and to note where they wrote in a term, they have NEVER complied!!! 
the collection agency is no better than the people they collect, zero integrity!!!! 
thanks for looking into the matter and I hope you can get the answers I could not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Johnson Mark LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice from Johnson Mark LLC, XXXX XXXX XXXX # XXXX, XXXX, UT XXXX regarding XXXX  XXXX credit card debt. I lost my job and had no way to pay the debt. I moved to XXXX and informed the law firm that I was filing bankruptcy in XXXX & XXXX 2020, and they purposely filed a law suit in XXXX  where I only lived for 3 months. They knew I moved to XXXX   and I gave them the name of my bankruptcy attorney, XXXX XXXX office with the phone number. 

I believe this is a deceptive practice because they filed in a former state knowing I had moved and the new address was also on record with the credit agencies. This is deceptive because I told them I was filing bankruptcy, gave them the bankruptcy attorney 's information and they proceeded to try to file for a judgement in another state knowing I no longer lived there. 

Please send this information to XXXX XXXX as well because this is very deceptive and crooked. Johnson Mark LLC is a third party hired by XXXX XXXX who behaves in a deceiptive manner to try to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, I'm writing due to an issue with submitting a PSLF form to FedLoan servicing. I've submitted the form twice and the most recent issue was presented via a letter stating that the form I submitted contains missing information in section 3. However, when reviewing the section, the questions that were left blank are due to the previous question in that section saying " Yes- Skip to section 4. '' Since the response to that question in my case was Yes, the 2 remaining questions were skipped and I continued to Section 4. I spoke with a representative from FedLoan on XX/XX/22 who advised me to answer " No '' to the 2 remaining questions and resubmit. However, answering No to those questions does not accurately describe my situation and I fear answering " No '' would be inaccurate and could cause a denial. I waited on hold for 3 hours to speak with a PSLF counselor to verify this advice given by the representative, and was not connected. I was given a 60 day time period to respond to this " missing information '' but can not get ahold of anyone at the service for assistance. Three hours on hold is not a reasonable amount of time to wait. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
State: NJ
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:
On XX/XX/XXXX I received a call from sears credit ( citi bank ) stating my account was past due ( by one day ) and if I wanted to stop receiving call I had to pay right away, so i paid with my bank card. ( canceled my card as well ) Problem solved, or not. In XXXX I applied for credit through woodmiser and was denied to low credit score, after receiving my credit report I noticed it dropped because sears credit says I missed XXXX 's payments. Yes the one I paid over the phone on my bank card. I called sears credit and they said the money was put towards the wrong account. They would refund me any late payments if they felt it was due. 2 weeks later I received a letter stating they there not doing anything about it it was reported as it should be. I called sears back talked to a manager ( eventually ) and " XXXX  '' said there was something wrong he'd have his " team '' look into it and get back to me within 3 days. That was 2 weeks ago. I disputed this the XXXX XXXX and it was deleted, now it seems im supposed to do this what the other 2 credit reporting agencies then if its not fixed by the reporting agency. Then I get turned down for credit then I have a suit against sears credit, the first words in fair credit reporting act is " fair ''. If there not responsible for there mistakes and I'm the one that needs to fix it please explain how that is remotely " fair ''. My score dropped nearly 80 points, it affects my interest rate on my credit cards. I was denied credit because my score dropped and sears doesn't have to do anything about it.

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 2023-04-24
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
State: MS
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 disputed the student loan account with XXXX  for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX and US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: ENCORE CAPITAL GROUP INC.
State: IL
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 AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Midland Funding LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ACCOUNT NAME XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCT : XXXX MIDLAND CRED ( Original Creditor : XXXX XXXX  ) ACCT : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of an internet scam. I had sent an email inquiry about a boat listed for sale on XXXX XXXX. I received an email from a guy named XXXX XXXX claiming to the seller. He stated he was selling the boat through a broker service named XXXX XXXX XXXX. There was a link to website and it looked like a legitimate company. I agreed to buy the boat and followed the payment instructions for a bank wire transfer which was sent on XX/XX/XXXX. When the boat didnt arrive as scheduled I called the number listed on the website and an agent told me I would be receiving an email within 5 minutes updating the status of my order. I got an email and it stated there was a minor accident and that the boat would be delivered the next day which was Friday XX/XX/XXXX. When the boat didnt arrive the next day I started having a bad feeling and I went online and found a XXXX  complaint that was identical to my experience. I called the bank immediately and the agent with the fraud claims department said I would need to go to a XXXX XXXX brach since I done the wire transfer in person at a branch. When I arrived at the bank on Friday at XXXX it felt like everyone was reluctant to assist me. A banker did call the fraud department and I explained the situation again and was told the same thing. I told the agent that I was at a XXXX XXXX branch using their phone. I set the phone down and found a banker to take the call. XXXX XXXX helped me after talking to the agent on the phone. She did a XXXX wire transfer reversal and gave me a case number. The money was sent to a JP Chase Morgan bank account and as it turns out my boat partner XXXX XXXX has a bank account with Chase bank. She had given me half the money for the boat purchase by depositing a check into my account the day before I did the transfer. On Saturday XX/XX/XXXX she went to Chase bank to make complaint because the bank was allowing scammers to use Chase bank. The agent she spoke with said that Chase was aware of the issue with account as of 4 days prior to her visit. XXXX called me on XX/XX/XXXX and said they were still waiting for a response from Chase bank about the reversal. I received a letter from XXXX XXXX dated XX/XX/XXXX that I didnt receive until XX/XX/XXXX that I would not get a refund as Chase would not return the money and the inquiry was considered closed. I called XXXX today XX/XX/XXXX because I missed a call from her last Friday. She said they had made several attempts to reverse the response. I also called the fraud department to verify this information.

Company response to consumer: Closed with explanation