BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
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:
Please see the following FTC report and remove the unverified collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is not my account. Please provide verification, method of verification and validation f debt. There are errors in this account it has no " late payment dates ''. Please remove ASAP. 


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 2023-07-19
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
I settled my charged off jp morgan chase account in XXXX of 2022. It shows a XXXX balance and closed on my XXXX and XXXX reports but XXXX shows that I still owe over XXXX. I attempted to dispute it but was told I had previously disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC placed my account with Resurgent capital services ( collection agency ) on XX/XX/2023 and {$770.00} must be paid. I never had an account with LVNV. 
I attempted to call Resurgent Capital Services, but nobody answered the phone. 
Resurgent Capital Srvc XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, 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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries appear on my credit report that I dont recognize they should be remove promptly XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is trying to collect the debt and the debt is also being reported as a medical debt in violation of the Health Insurance Portability and Accountability Act ( HIPPA ) and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) ( HIPPA ) agreement with the original terms who the doctor was, what services performed, time of allege service dates, what the diagnosis if any was and stating that I gave them permission to report this debt to the credit bureaus in violation of my privacy rights and how long the ( HIPPA ) agreement if any stays if effect. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof that the ( HIPPA ) agreement if any allows them to collect and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not remove from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid off the settlement amount to my JP Morgan chase card but on my XXXX account it is still showing up as unpaid and delinquent. It is devastating to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
im receving bills from Lowes for someone named XXXX XXXX, It is not me why am i receving them?

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 2022-10-07
Company: Carvana Group, LLC
State: CO
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: Problem with personal statement of dispute

Complaint:
I am filing this compliant for my husband as he applied for a loan from Carvana on XX/XX/XXXX. Carvana called us on XX/XX/XXXX and stated that we could not get approved for financing because the identity quiz was failed and that we would need to get third party financing. The issues are as follows : 1. Carvana stated that the identity quiz was taken 2x but we were only offered the opportunity to take it once. They said the second time there were not any answers inputed. When we asked the question how did that happen when the system only offered the quiz one time. They stated it was a system error and they opened a ticket and sent me an email but no email was recieved. 
2. Even though we failed the identity quiz there is a hard pull on credit report right after my husband took it. When asked Carvana they stated once again system error sorry there is nothing we can do. 
3. Based on thinking we provided the correct answers we sent over personal documents as well as already took insurance out on the car based on there direction. When questioned once again recieved the response it was a system error, there was nothing they could do. 
4. because of this they will not hold the car until proper financing from a third party is recieved. 

Because the verification quiz as failed they should have not proceeded in pulling the credit report or having us upload additional personal documents. They have a copy of the drivers license and require a notary so that should suffice. While policies are understood the fact that a credit report was ran without proper verification is concerning and should not have happened and the fact they we were advised that the system errored is not an excuse to do a credit pull if the proper authorization was not received. We find that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Professional Receivables Network
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
First off, I don't owe a balance with XXXX ... I've been harassed by fXXXXr for months now after telling them to cease communication! They violated fair debt collection practices! Then sage capital recovery has called and threatened me with jail time if I didn't pay. The guy, told me I need to learn how to pay my bills! This is harassment and is against federal law!

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 2023-07-24
Company: EQUIFAX, 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:
To whom it may concern, in accordance with the Fair Credit Reporting Act XXXX Acct XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right yo 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: EQUIFAX, INC.
State: GA
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 is falsely stating that they have verified a bankruptcy # XXXX with the furnisher who is a third party company that they are reporting on the dispute response, XXXX. I have disputed this account with Equifax on XXXX, XXXX, XXXX, and XXXX of XXXX. They asked me to dispute the information with the furnisher and I then provided proof which I have provided to them several times and yet they still state they have verified the information despite having the documentation provided from XXXX that this account was deleted because they could not verify the accuracy of the account. They have also falsely stated that XXXX has verified the information on XX/XX/XXXX, when the attached documents show XXXX deleted this account from their system on XX/XX/XXXX. So did Equifax truly verify this with XXXX? I have also contacted the clerk of courts on XX/XX/XXXX and they also verified that they do not verify any personal records for any individuals or sources and that they do not have control over misuse and misrepresentation that is being reported in error by third parties. I am asking Equifax to please provide documentation of this account that they are clearly erroneous and falsely reporting. I asked that they investigate this account accurately and fairly and to provide supporting documentation. How can Equifax take advantage of a consumer by not providing the requested documents to verify the accuracy of this account. Equifax is clearly breaking the law. Per the Fair Credit Reporting Act the account must be thoroughly investigated and documentation must be provided. Per the FCRA it is Equifax duty to update and correct information and to provide valid documentation of the disputed account. It is against the law to report third party information without truly verifying the source for accuracy. It is detrimental to the consumer to have this inaccurate account reported and is very timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2023-07-19
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft by a family member. I disputed a fraudulent credit card debt with Navy Federal Credit Union and all credit bureaus. I contacted Navy Federal on today XX/XX/2023. I was transferred to the credit card department I was asked for my social security number I explained to the rep in brief detail why I was calling. My main purpose was to ask why someone in their ( Navy Federal ) credit card department was fraudulently reporting erroneous payment data to XXXX, XXXX, and XXXX XXXX. I explained to them that they were in violation of the FRCA which is a serious violation. Navy Federal is not only reporting a fraudulent account but increasing the balance by small denominations. When I realized the account was on my credit I called and requested it be closed down this was in XXXX but yet Navy has reported the following data for the last 5 months as 30, 30, 30, 60, 90 days late. This is fraudulent. I did explain that they have an obligation to provide me with validation of debt. The representative I spoke with stated that her supervisor told her to tell me that they couldn't speak to me further because I was seeking legal action against them. But yet they have the audacity to try and intentionally harm my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Comenity Bank for XXXX has claimed since XX/XX/2022 that they have been going through a system update. Said update has caused errors trying to make payments as well as no statements generating. I have not received a monthly statement since XX/XX/2022 and no one knows when the " system update '' is going to be finished or fixed or whatever is going on with it. Blatantly not sending statements to your consumers is a major problem. Not having a working system to make payments is a major problem. Telling your consumers that you do not know when it will be fixed when it's going on month 4 is a major problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
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 have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the Experian and XXXXXXXX XXXX XXXX  and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. XXXXXXXX XXXX  XXXX Date Opened : XX/XX/2007 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 2022-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I would like to present my right to rescind the transaction for auto because I was not provided with the type of notice of my right to recession under the Truth in Lending Act ( TILA '' ), 15 U.S.C 1601 et seq., that is required by the Federal Reserve Board. I reserve all rights to raise additional or alternative grounds for rescission under state or federal law. I exercise my right to rescind pursuant 15 U.S.C 1635, and Regulation Z, 12 C.F.R. 1026.23. This rescission is effective as to all aspects of the transaction, including all document signed in connection therewith, and automatically and immediately places the parties I the status quo ante, i.e., in their pre-contractual positions, before the transaction was entered. I understand that Bank of America have 20 days after receipt of my letter to return all my monies paid in the transaction and to take any action necessary to reflect the termination of any security interest created under this transaction. Per 15 U.S.C 1640 ( a ) States " if you do not cancel the security interest and return all consideration paid within twenty days of receipt of letter, you will be responsible for actual and statutory damages. ''

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 2021-10-13
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was 100 % unaware that my charge card was being used for something involving XXXX XXXX or something associated with it, there were charges ranging approx. {$99.00} - {$4.00} for different subjects according to the explanation of charges it would say professional services, entertainment, and various other names. The mass amounts of charges were smaller charges $ XXXX {$19.00} charges, I have medical problems that's private and on a small XXXX for my income who ever used my charge card was using it as if they weren't paying for it and didn't care. I'm XXXX XXXX XXXX and don't make childish charges as been placed on me. I have reached out to Chase charge card company several times and demanding those fraudulent charges be dropped, and they believe the XXXX XXXX and are refusing to remove them. I asked around my family and no one has used my card, however there were several other accounts linked to my XXXX XXXX and I deleted a third party account and got a new number and card. The only way I ever fooled with XXXX was to play XXXX years ago and it was a big mistake it opened the door once I gave financial information to them. These charges have been done several days in a row to skipping a few days. I want my fraudulent charges removed they aren't mine. I can't get in touch with XXXX except messaging them while telling them the charges aren't mine they say its against their policy to remove the charges. I guess when it isn't their money they don't care. I will admit I made a few charges over the years very few 4-5 charges for {$9.00} and I believe {$4.00} but there's been someone making numerous charges, my wife was suppose to monitor my bill she has a lot going on and didn't observe them because they weren't large amounts but added up to over {$4000.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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 XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not permit information 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 any other adverse items 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 so has reasonable cause to believe the information is inaccurate. I requested the original agreement with date f debt assignment from original company, I have not received, the account is stating it was opened in XXXX on my credit report which is completely false. I asked Transunion to validate information listed on my report and that has not be done XXXX Balance {$560.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX hence this account is past 7 years period. 
Opened XXXX Reported Unknown Condition XXXX XXXX XXXX Balance {$150.00} Original Creditor : Not Available/ COLLECTIONS XXXX Act. # XXXX Opened - false information/ I have not opened accounts within the last 8 years. 
XXXX Reported Unknown Condition/ this is the information listed on my credit report which is absolutely wrong

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