BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: SC
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:
This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the XXXX bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-14
Company: Experian Information Solutions Inc.
State: TX
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 act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
never applied for any credit cards as i have been working to improve my credit score in the last months. I regularly check my credit report and noticed one day on XX/XX/2021 I had my credit pulled for a inquiry I have never made. I have tried calling XXXX XXXX and Transunion and nobody has been able to even locate the account.

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 2023-09-20
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I spoke to Apple and I explained what happened the purchases were made through appl e pay and my physical card was stolen and my phone was also stolen. Apple closed my account and is forcing me to pay outstanding balance for transactions I did not make I have had to replace my phone multiple times. Apple is making it seem like I am lying about the situation and I feel very disrespected on that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Financial Business and Consumer Solutions.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. XX/XX/2021, XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 the calls are always at least 3xs per day and from XXXX. I've attempted to set up a payment with them but I'm not working so I couldn't and after that told them to please not call anymore they continue to call and harass me constantly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
Im the only one that can verify or validate anything my credit report. I was never contacted in writing.

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 2023-09-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wired a Fraudulent company {$5000.00} from my personal Chade account on XX/XX/2022. 
After the company took back their truck, fired my driverI requested a refund. XXXX XXXX XXXX XXXX XXXX XXXX refused to refund my {$5000.00} deposit. I Spoke to my institution many of times. Chase reached out and never got back to me with what this other Bank said. My Bank will not refund this wire to a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/NELN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I recently pulled my credit reports from XXXX, Transunion and XXXX and saw there were multiple inquiries I did not recognize and did not authorize. I contacted the credit bureaus multipe times and they would not help me and gave me the run around. They eventually informed me to make a report on FTC regarding said inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2023, Chase decided to end relationship with me with no reason. In XX/XX/2023, Chase closed both my saving and checking account, and at that time they told me they will send me the check about the money in both accounts within XXXX business days, but it already 20 days gone. I called them everyday, and they just can't give me a clear day to give me the check just told me their department is investigating. I am an international student here, this really give a a big trouble without those amount of money, nearly {$4400.00}. Please return the check as soon as possible!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to this company XXXX several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the hospital following major XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. XXXX keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.

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 2023-07-28
Company: Frank, Frank, Goldstein & Nager, P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from a law firm called Frank , Frank , Goldstein & Nager PC. in early XXXX regarding bills they claimed I owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent them a letter disputing the debt, because the fees had already been paid, and demanding they validate the debt and instructing them to stop contacting me. 

The firm never validated the debt. Today I received essentially the same letter as I received in XXXX, seeking to collect the same debt. 

I have repeatedly tried to contact XXXX XXXX XXXX regarding this issue over the last two years as well. They simply do not respond. I have brought it up with my treatment provider during our visits as well, and they inform me they " will take care of it '' but the issues are never addressed. I am a XXXX XXXX  and the stress of being harassed by debt collectors is taking a negative toll on my health.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
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 found the following fraudulent accounts on my credit profiles and notified the credit bureaus along with my identity theft report, yet they remain ; XXXX  XXXX {$27000.00} XXXX  XXXX {$17000.00} XXXX  XXXX {$580.00} Chapter XXXX Bankruptcy XXXX Please help

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 2020-02-19
Company: United Revenue Corporation
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:
I do not owe UNITED REVENUE CORP this debt, they have no debt validation for this debt. I have no contract with UNITED REVENUE CORP. Also UNITED REVENUE CORP is in violation of my HIPPA rights. I never authorized UNITED REVENUE CORP to hold my medical records. XXXX  is also in violation of my HIPPA rights posting medical debts on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: I.C. System, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I C Systems has negatively reported {$2600.00} on my credit reports showing this as a new delinquent account. The original creditor is XXXX. I do not recognize the debt but even if the debt were mine, I've been with my current cell phone provider for over 2 years which means the cell phone debt is past the 2 year statute of limitations. At the very most, this debt ( if mine ) should be at least 2 years old on my credit reports. IC Systems just reported it negatively again ( XX/XX/2021 ). They show the account was opened in XX/XX/2021 but I didn't open an account with them. I've asked them to provide me with information on the debt ( once by phone, twice in writing ) and their response was " how are paying this debt today '' and then a letter telling me to get an attorney or something. ( Will try to find letter ). If the debt from XXXX is valid, it is over 2 years old and should be reported as such 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 explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There is an account on my credit report that is due to fraud. I have contacted the company and they have no record of my account, yet XXXX and Experian continue to report that account ( Block XXXX XXXX and XXXX XXXX XXXX XXXX ). The attached documents prove this does not belong on my 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 explanation
Consumer complaint received 2023-08-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally has not been properly managing my payment for a car I received a loan from Ally and Ally is sending me bill statements saying I am 3 months behind. I have all my bank and money orders from day one showing I am currently updated on all payments. Ally also cancel the Extended warranty I purchased for the car and got the money back and did not notify Me they got {$3800.00}. Back for the warranty I call about getting the car repaired and Ally claim I call 3 weeks after getting the car. And cancel the extended warranty. I told her that You are a liar she claim she had a record of my call I ask to hear it She said ok left the phone on hold and came back 3 mins later saying she couldn't find it. She said the money went back to the lien holder which is Ally and they did not notify me that they received that money and did not deduct it from the payment of the car. Now the dealership said that they can not fix the car. If NO MORE THAN XXXX XXXX XXXX DEALERS ARE SUPPOSED TO FIX IT. THE MANUFACTURER 'S WARRANTY IS SUPPOSED TO BE ON THE CAR UNTIL THE CAR IS PAID OFF. OR IT FALLS UNDER THE LEMON LAW. WHICH MEANS I AM SUPPOSED TO GET ALL MY PAYMENTS BACK FROM THE LIEN HOLDER.also I am looking for a lawyer on the fraud committed.

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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This account was placed on my credit report for an old cable company with a balance for equipment fees. The equipment was turned in and original debtor updated to show balance owed to them was {$9.00}. I paid the balance that was remaining and original debtor shows the account has a {$0.00} balance. I have sent proof of all statements and credits to the account from original debtor to the collection company and to the credit bureaus while and disputed it multiple times. The collection company keeps reporting to the bureaus that the debt is valid and I owe a balance even with proof of payment and {$0.00} dollar statement from original debtor. They refuse to cease reporting the erroneous information and account after multiple phone calls emails and requests to have it corrected and removed. They also are reporting different account numbers across the XXXX bureaus that do not even match the account number they gave me or the original account number with XXXX XXXX. I have tried to speak to different representatives but I am always transferred back to XXXX who states that they don't work on my time they have a business to run and that it doesn't matter if I have sent them proof of {$0.00} balance with original debtor because she shows that I owe her company a balance. I have given them ample amount of time to address this problem and they keep reporting fraudulent information and trying to collect on a debt I do not owe. They are completely unwilling to correct this situation

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