BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Middle Georgia Management Services
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
We acquired a loan in XXXX from XXXX XXXX in XXXX for {$800.00}. We made the first payment fine due to it was on my old checking account card. We went to using XXXX and XXXX XXXX for our deposits and every month when trying to pay, they would deny payment stating they cant take those cards. We work 6 days a week, and nothing was mentioned at the beginning about only taking certain types of payments. We can not just go an hour to pay a bill each month. After we got behind, one of the ladies who works there, came to my husbands job, and decided to let his co workers know how late he was and said some terrible things about him, with him not even being around at the time. Luckily, they came back and told him everything, which was extremely embarrassing, due to we do not want everyone knowing our business on our bills. She could have called him outside, or to the side instead of letting his manager and co workers know everything. We are willing to pay it all and have it completely paid off before the end of XXXX, but now they have decided not to take any payment and to sue us for non payment. I am hoping something can be done to stop them from telling their customers business to anyone that will listen. We are filing with the FDCPA also and hoping she gets terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I had {$4700.00} stolen out of my business checking account with Chase Bank through the XXXX app. I have deduced that a hacker got into my laptop and then into my bank account. Once in my chase bank app and into XXXX, the hacker created a new XXXX recipient- XXXX XXXX- and sent that recipient {$4700.00} via XXXX. Chase has investigated this case XXXX times, each time denying that this is fraud because the IP address is consistent with my usage and there is no evidence of multiple efforts to get my password correct. I have repeatedly denied authorizing this transfer of funds, yet Chase continues to refuse to refund me, claiming there is no evidence of fraud. Essentially Chases finding is calling me a liar and a criminal - if my report of theft is not true then arent I trying to commit fraud? I have been robbed via the XXXX app and Chase needs to refund me since I did not authorize this transfer of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: OPORTUN FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Of my five Credit cards, in which ( for College purposes ), I stipulate delay ( and have corrected that by setting it aside for a while ), yet all four others both gave Notice and accepted accommodation-Rescheduling ; however, OPORTUN disallowed access to my Account, systematically offered no Information, and on my most recent Due date ( today ), said they sold the Account ( whose number three people gave, and that Number was only a Medical Advertisement robot : this Process was entirely and inanely Repetitive ). XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: NY
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 recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on these accounts. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed accounts are listed below. 
XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX Balance Owed : {$4900.00}

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 2019-04-09
Company: EQUIFAX, INC.
State: NC
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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I borrowed money to pay off debt through XXXX. They transferred the loan to Achieve. The original loan was done by issuing me checks to pay off my creditors. I was given two checks to be paid to the Federal agency, the department of education. I did not send the checks because of the student debt loan forgiveness program authorized by the Biden administration, expecting the loans to be forgiven ( these were parent plus loans and the loans were forgiven ). I contacted XXXX about seven weeks ago to have that part of my debt to them canceled, or for them to reimburse me, along with accrued interest for the uncashed checks. They have not reimbursed me and keep telling me they are attempting to do so, but they have to verify the checks with XXXX. My patience is exhausted. I have evidence the checks were not cashed, as they are in my possession. I am currently awaiting a mortgage refinance loan and fear my money will never be returned to me. Achieve loans insists they can not even give me an estimated time for the resolution of the issue.

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 2019-04-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Failure to produce any legal evidence or verification for the alleged debts, and is currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: PA
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/2023 via certified XXXX mail a letter was sent Experian requesting Incorrect personal information be removed from my credit report. In this letter the correct info was provided and proof of changes were also requested. 

As per the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute and request the removal of inaccurate information from my credit report, and for this to be done in a timely manner. To date, Experian has not responded to my request nor have they updated my account. 

I am a victim of Identity theft and this absolutely continues to make me susceptible 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
hippa violation and FTC violation showing on XXXX and XXXX and 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 2023-10-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Complaint Against Credit Bureaus for Unresolved Identity Theft Issues I am writing to formally report an unresolved issue with certain credit bureaus regarding fraudulent accounts on my credit report as a result of identity theft. Upon reviewing my credit reports, I identified two unauthorized accounts : XXXX XXXX Account Account Number : XXXX Outstanding Amount : {$2300.00} XXXX XXXX XXXX XXXX Account Account Number : XXXX Outstanding Amount : {$1100.00} In an attempt to rectify this, I initiated disputes with the credit bureaus through written communication on two separate occasions. Regrettably, despite my earnest efforts to resolve this critical matter, I have not received any acknowledgment or response to my disputes. The presence of these fraudulent accounts has not only severely impacted my credit score but has also caused significant distress in my personal life. I had taken the necessary measures in good faith, expecting the credit bureaus to address and correct these inaccuracies. It is deeply concerning that these disputes have seemingly been overlooked or ignored. I implore the Consumer Financial Protection Bureau to intervene in this matter and facilitate a just and prompt resolution. Your esteemed bureau 's assistance in ensuring the removal of these unauthorized accounts from my credit report will be invaluable in restoring both my credit standing and peace of mind. Thank you for your prompt attention to this grave concern. I am hopeful for a favorable outcome with your guidance and intervention. Warm regards, 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There has been a number of fruadulant inquiries on my personal credit report. I need these removed immediately. 
Here are the Inquiry details. 

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2021-01-07
Company: CL Holdings LLC
State: NC
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:
I received a letter on XX/XX/2020 from a firm called Jefferson Capital Systems LLC stating that they were the new owner and creditor for my " referenced account. '' The referenced account was listed as " XXXX ACCOUNT. '' After reviewing my e-mails and XXXX and XXXX accounts, I was not able to determine what the balance was from as I had not received any e-mails from XXXX notifying that I had a balance that needed to be paid. The only notification I received was an e-mail on XX/XX/2020 from XXXX stating that my balance had been sold to the creditor Jefferson Capital Systems LLC.

The letter sent by Jefferson Capital Systems LLC dated XX/XX/2020 states that payment of the amount of debt must be paid within 30 days to avoid reporting on my credit report, and subsequent damage to my pristine credit history. 

The reason that I am writing a complaint for fraud is that balance in question had already been paid to XXXX in XX/XX/2020. There was not attempt by XXXX/XXXX  to notifying me of the balance they sold to Jefferson Capital Systems LLC of " Balance : $ XXXX '' as stated in the e-mail they sent notifying me of the sale of the balance on XX/XX/2020. 

While I was initially unaware as to what this balance could be when receiving the letter from Jefferson Capital System LLC, I determined that it was from the sale of a pair of shoes on XX/XX/2020 and the associated fees with the sale that created the alleged past due balance were paid prior to my transfer from XXXX to my bank account. 
In this case, I believe that XXXX  and Jefferson Capital Systems LLC are both fraudulent operators. XXXX XXXX fraudulent activity including the sale of accounts receivables to J

efferson Capital Systems LLC in which they had already received payment from the initial customer. I believe that Jefferson Capital Systems LLC is behaving fraudulently by knowingly pressuring customers of PayPal who have had their fraudulent " balances '' sold to Jefferson Capital Systems LLC to pay these balances immediately due to the creditor 's threat of causing of harmful implications to consumer credit reports and scores if their payment is not made within 30 days of notification of the Jefferson Capital System LLC 's ownership of the balance and request for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: IA
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, XXXX XXXX, a federally protected consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation XXXX. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-09-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I enrolled in the promotion to open a Citibank interest checking account ( first time Citi checking customer ) via the promo link I was sent. The terms indicated that I needed to deposit {$50000.00} within the first 20 days and maintain that balance for 60 days to receive {$700.00} cash bonus. I opened the checking account on XX/XX/2021 and deposited {$50000.00} during the opening of the account. Now its XX/XX/2021 and Im still waiting to receive the {$700.00} bonus offer. I have maintained my balance the whole time and in fact deposited more money.

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 2023-10-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 22nd endeavor 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 XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation