BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, 2 separate pending withdrawals for {$2000.00} appeared in my Chase checking account that were not authorized. These were " XXXX  with XXXX '' withdrawals. I have never used XXXX or XXXX. I do not recognize the names of the individuals whom withdrew the amounts. Chase will not stop the transactions. 

I want my money back from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
Company: RFNA, LP
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:
Republic Finance # XXXX I have sent XXXX  and Republic Finance several letters over the last XXXX months in XXXX and even one in XXXX of XXXX requesting validation of a debt. I included my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. I sent at least 6 letters to XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX starting on XX/XX/XXXX requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. Moreover this account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? Republic Finance has been re-aging this account which is a violation of my rights. XXXX  has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me? 

Again, I previously submitted letter after letter to have this looked into. I requested assistance from CFPB in obtaining loan paperwork with terms and conditions. I indicated that I had previously attempted to resolve it. Republic Finance Still has not provided the loan terms and conditions as promised directly associated with my social security number, loan number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-19
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 sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the Per FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX I looked at my credit report because I have huge goals. I am looking to Buy my first house. I wanted to make sure everything was reporting 1 00 % correct AND everything was accurate. Can you reinvestigate the completeness accuracy of the list of accounts below. 

Account name : XXXX XXXX account Number : XXXX investigate the completeness accuracy of every piece of information If its not accurate, please remove it from my credit report. 



Account name : XXXX XXXX XXXX Account Number : XXXX investigate the completeness one! accuracy of every piece of information If its not accurate, please remove it from my credit report. 


Sincerely, 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 2022-03-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been paying my student loans since XX/XX/XXXX of {$31000.00} XXXX started paying {$250.00} and per tax notices yearly, I should have paid down about {$12000.00}, about $ 100 monthly for 10 years when in XXXX, I lost my job and they lowered by payments that I am only paying interest no principal of {$160.00} So as of today, I, per their records, I owe {$26000.00}. Per my records, I should only owe about {$19000.00}. I am XXXX XXXX XXXX and will be retiring next year and will be living on a fixed income and my payments will be going up from {$160.00} to XXXX for another 8 years in XX/XX/XXXX at my full retirement age. I want to know where my $ XXXX is? This in unacceptable that I have to take their word for what I owe. So I will have paid on my loan for 23 years. I will be XXXX when my loans are finally paid off. Can you please help see what happened when my loan was taken over by Navient? They claim I owed {$28000.00} in XX/XX/XXXX when I should have only owed {$31000.00} less the {$9000.00} principal paid for XXXX XXXX years or 90 months of $ 100 monthly for a total of {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2018, I referred my wife to open a checking account, which made me qualified for ' {$100.00} refer a friend a promotion. ' Citi told me that I am qualified for this promotion, but they requested to send my W-9 and I sent the required document. XXXX is the reference number for my inquiry. 

It's been months since they received my document, but they did not credit my account yet with that promotion.

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 2023-03-23
Company: American Financial Network Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is nightmare since XXXX. I'm being approved for the XXXX XXXX funds for 17 futures mortgage payments in XX/XX/2022. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX, XXXX payments are past due because they aren't applying the payment on time. It's not fair that they received the payment on time and they still reporting to the Credit reporting agencies. I'm being calling almost every day and they told me that is an issue with XXXX that is the third party that apply the payments. Since XXXX they are receiving the checks but not applying to the account. It's so unfair that we have to go through this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit reports and there is a collection account showing on my credit reports for a company called Convergent Outsourcing. The original account holder is XXXX and in the amount of {$720.00}. This alleged account does not belong to me and is causing negative information to be reported. I've already reached out to XXXX and they advised me to reach out to Convergent Outsourcing to have the negative information disputed and removed. I have disputed the Convergent Outsourcing collection account with all 3 credit bereaus and they refuse to remove the alleged debt. At this point I would just like it to be removed so that I may be able to acquire new credit and build a positive portfolio.

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 2019-08-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My identity was stolen that resulted in a XXXX account being opened for {$140.00} that closed. A bankruptcy thats on my credit file submitted by another company.The court i filed with stated that they do not share that information with the credit bureaus.

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 2023-06-19
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/2022 to XXXX. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have made some payments but have stopped due to loss of pay. They must have looked me up on XXXX or other social media and have started calling my family members and friends and giving them information about my debt. I never gave them phone numbers of my friends or family nor have I gave them permission to call them and tell them I owe this company anything. That is a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: MA
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 am a victim of identity theft. I have reached out to the credit bureaus on numerous occasions. I've called, mailed in certified mailed and opted out as well and nothing has been done. I've been contacting them for over 3 months and nothing has been done. I am currently in the process of filing a lawsuit against XXXX, XXXX and Experian. My lawyer XXXX XXXX XXXX XXXX ( The Law Offices of XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX, MA XXXX has overseen my claims.He has done a thorough investigation pertaining to the documentation and detailed record of certified letters with the credit bureaus that I have provided and realized that the XXXX, XXXX and Experian are in direct violations of the fair credit reporting act ( FCRA ). here are the fraudulent accounts and inquires as it pertains to each bureau Experian XXXX XXXX   {$350.00} XXXXXXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$63000.00} XXXXXXXX XX/XX/XXXX XXXX {$660.00} XXXXXXXX  INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX   XXXX XXXX {$350.00} XXXXXXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  {$63000.00} XXXXXXXX  XX/XX/XXXX XXXX {$660.00} XXXXXXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XXXXXXXX  XX/XX/XXXX XXXX XXXX {$190.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX {$63000.00} XXXXXXXX  XX/XX/XXXX XXXX {$660.00} XXXXXXXX INQUIRES XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In our pending lawsuits, we are holding the following individuals responsible for negligence .These individual will be named in the lawsuit if accounts aren't removed immedediatly. as followed : Experian XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO Experian North Americas XXXX XXXX Vice President and associate general counsel XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX Director fraud and identity Management XXXX XXXX VP and division gen counsel regulatory XXXX XXXX XXXX Senior Vice President enterprise Fraud ID Theft XXXX XXXX vice president and group counsel XXXX XXXX XXXX XXXX corporate vice president chief legal officer ] '/

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 2023-03-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  added 2 late payment when Covid 19 was starting and everyone was struggling and i was never late on any payments this information it's completely wrong i try to fix this issue with the dealer and they said they can't help.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.C 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 by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

In accordance with the Fair Credit Reporting Act XXXXXXXX  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 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 explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I did receive responses to my complaint # XXXX from Equifax, that is why I am duplicating my initial complaint. 

Good morning, I have started seeing that my credit report right now is full of hard inquiries which have not been by me, moreover, I have not been living in United States for 5 years, i dont know who is using my information but i would like to delete hard inquiries and one collection account which does not belong to me 1 ) XXXX XXXX Reported : XXXX XXXX, XXXX, $ XXXX Closed 2 ) XXXX XXXX XXXX  XXXX XXXXInquiry : XXXX XXXX, XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX-Inquiry : XXXX XXXX, XXXX 4 ) XXXX XXXX - XXXX -Inquiry : XXXX XXXX, XXXX 5 ) XXXX XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX 6 ) XXXX XXXX - D-Inquiry : XXXX. XXXX, XXXX 7 ) XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX 8 ) XXXX XXXX, XXXX-Inquiry : XXXX. XXXX, XXXX 9 ) XXXX XXXX- Inquiry : XX/XX/XXXX 10 ) XXXX XXXX- Inquiry : XXXX. XXXX, XXXX 11 ) XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX 12 ) XXXX- Inquiry : XXXX. XXXX, XXXX 13 ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 14 ) XXXX- Inquiry : XXXX XXXX, XXXX 15 ) XXXX XXXX XXXX XXXX- Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account completely from my Credit Reports : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation