BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Professional Debt Mediation, Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 RE : ACCOUNT NUMBER XXXX DEAR PROFESSIONAL DEBT, I WAS INCONTACT WITH XXXX XXXX FROM YOUR DEPARTMENT BUT HAVE YET TO GET AN UPDATED RESPONSE. I EMAILED WRITITNG TO YOUR MOST RECENT CORRESPONDENCE RELATED TO THE ACCOUNT NUMBER I REFERENCED IN THE SUBJECT LINE ABOVE. AS I AM CONSIDERING THE POSSIBILITY OF SETTLING THIS DEBT. 
I ACCEPT NO RESPONSIBILITY FOR OWNERSHIP OF THIS DEBIT. HOWEVER, I AM WILLING TO COMPROMISE. I SENT AN OFFER OF {$1500.00} XXXX LUMPSOME OF PAYMENT TO PAY THIS ACCOUNT OFF WITH AN EXCHANGE OF THIS ACCOUNT BEING DELTED AND REMOVED. I THEN RECEIVED A CORRISPONDANCE ON THE XXXX STATING THAT {$2700.00} IS YOUR CLIENTS BEST/FINAL OFFER. I THEN SENT ANOTHER EMAIL STATING THAT {$2700.00} IS NOT SOOMETHING I CAN PAY AND MOST DEFINITELY NOT BY THE XXXX. HOWEVER I AM TRYING TO TAKE CARE OF THIS DEBT BEFORE I LEAVE OUT THE COUNTRY. I WOULD LIKE TO BE ABLE TO SETTLE THIS DEBT INSTEAD OF SITTING FOR 7 YEARS AND FALLING OFF. 
AS OF NOW {$1500.00} IS THE MOST I CAN PAY ON THIS DEBT. IF GIVIEN UNTIL THE XX/XX/2023 I CAN PAY {$2000.00} ON THIS DEBT TO SETTLE IT OUT WITH A XXXX TIME PAYMENT. AS STATED BEFORE I DO NOT ACCEPT ANY RESPONSIBILITY FOR OWNERSHIP OF THIS DEBIT. HOWEVER, I AM WILLING TO COMPROMISE. I CAN OFFER A SIGNIFICANT SETTLEMENT AMOUNT IN EXCHANGE FOR THE FOLLOWING : XXXX. YOU AGREE, IN WRITING TO DESIGNATE THE ACCOUNT AS PAYMENT IN FULL ONCE YOU ARE IN RECEIPT OF THE AGREED UPON PAYMENT AMOUNT. THE ACCOUNT WILL NOT BE DESIGNATED AS A PAID COLLECTIONS OR SETTLED ACCOUNT. 
XXXX. YOU AGREE, IN WRITING TO COMPLETELY REMOVE ANY, AND ALL REFERENCES TO THIS ACCOUNT FROM ALL CREDIT BUREAUS TO WHCH YOU REPORT. 
HOWEVER, AS I DO DISAGREE WITH THE SETTLEMENT AMOUNT SENT. I AM WILLING TO PAY $ XXXX {$2000.00} TO SETTLE THIS DEBT DEPENDING ON THE DATE OR TIMEFRAME GIVEN IN EXCHANGE FOR YOUR AGREEMENT TO REMOVE ALL INFORMATION REGARDING THIS DEBT FROM ALL CREDIT REPORTING AGENCIES, SO WOULD YOU REPORT WITHIN XXXX CALANDER DAYS OF RECEIPT OF PAYMENT. 
IF THE ABOVE MENTIONED ITEMS CAN BE MET, IM WILING TO MAKE THE PAYMENT ON THIS DEBT IMMEDIATELY. WHEN I AM IN RECEIPT OF A SIGNED AGREEMENT WITH THE AFOREMENTIONED TERMS FROM AN AUTHORIZED REPRESENTATIVE ON YOUR COMPANY LETTERHEAD, I WILL MAKE PAYMENT. AS I LOOK FORWARD TO RESOLVING THIS MATTER QUICKLY. 
SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-17
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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that was never late for. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX builder XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks

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 2023-02-17
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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

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 2023-01-19
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2023-10-07
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone when to a atm machine and withdraw money out of my account why I was at work XXXX  times every XXXX minutes for a total of XXXX dollars and I been trying to get it back from chime but they keep denied it saying no error I even send them the police report and still denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: MD
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am currently on vacation in XXXX. On XXXX  XX/XX/19 I tried using my card and it wasnt working. I tried to go to an ATM and that as well did not work. 

I called Chase to see what was going on & they informed me they have frozen my account and in 10 days will close my account. I have done nothing wrong at all but thats besides the point. They gave me no reason as to why. 

However, I have no access to any of my funds & I am stuck in XXXX with no money. They said the account will close in 10 days and after that I will receive a check in the mail. 

This is the only account I use. I dont have access to any money anywhere else & I am currently stuck in XXXX and have no money for food, for a place to sleep or a plane ticket home. 

I requested they let me transfer my money to another account i have, to my mother or send via XXXX XXXX or something similar. They told me no for everything. I dont know what to do. I am literally stuck in XXXX with no access to any type of money. I feel I just got robbed and thrown on the street and I did nothing wrong. I am scared & I dont know what to do ...... They can close my account thats fine but please allow me to access my money so I can get home..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Bright Capital Inc
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
This company offers to fix peoples credit. They ask you to connect your bank account and once you do they state that they charge for membership. I clicked cancel at this point however, I was still charged {$99.00} on XX/XX/2023. This company never provided any services to repair my credit and will not return my money. I have tried to contact them via phone however, all of their phone numbers are fake. One phone number they have listed ( XXXX ) says it is disconnected and to call XXXX which calls your cell provider not them. The other phone number ( XXXX ) says they can not answer your call and to email them at XXXX. This company will not return my emails and I have verified that I do not have an active membership with them. Other people have reported similar experiences with this company and they are scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i am not understanding HOW these companies are ALLOWED to update our credit files with Account information disputed by consumer, meets FCRA requirements, but they DONT send the ACCUSED CONSUMER any documentation. I have not gotten ANY responses from the last XXXX disputes that I have filed with this company. 

I am writing to the Attorney General 's office as well to make them aware because I have written to the credit bureau XXXX SEVERAL TIMES ) as well as the collection agency stating this is NOT my account and that I want VALIDATION done to prove this is my account. I have yet to recieve anything with my signature on it showing I signed for service. 

I am demanding this be removed from my credit file. Validation has NOT been completed as requested several times.they have neglected to complete their dispute process within the XXXX days allowed and NEVER send me any type of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: TX
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 XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific items 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 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 2023-09-14
Company: Experian Information Solutions 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 2023-09-22
Company: General Motors Financial Company, Inc.
State: NY
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. GM FINANCIAL XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: IL
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:
Dear Experian, I reached out to XXXX XXXX XXXX ( XXXX  ) on XX/XX/23 via the CFPB - Case # XXXX. I explained to them the following : " XXXX XXXX XXXX has placed me in collection for a " XXXX '' Account. I have not received any communication from them in writing or via phone. I have no knowledge of such account and belive this is an error. I only have XXXX XXXX XXXX '' XXXX have responded stating that they have placed this account on hold and it will no longer be reporting in my understanding. Please remove this account from my credit report as it does not belong to me and is impacting my financial well being greatly. 

XXXX was unable to furnish debt validation upon request or an original invoice. They also did not notify me of the collection account/debt via any type of communication. 

Please remove this account and send me an updated credit report. XXXX has already removed this account from 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 non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: WY
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 submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have reached out to the credit bureaus about negative items showing my credit report and they have not responded in the 30 day time frame based on the FCRA. 

Account Name : XXXX XXXX XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

TRANSUNION CREDT BUREAU .Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Unverified account Creditor Name : XXXXXXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Also, please remove all non-account holding inquiries over 30 days old and add a XXXX Suppression to my credit file. 

Creditor Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX - XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Unverified account Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unverified 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 non-monetary relief
Consumer complaint received 2023-09-25
Company: Maximus Education, LLC dba Aidvantage
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hold times are over an hour to get to an agent. I requested documentation to provide to a mortgage lender explaining that the OSLA and Aidvantage credit lines showing on my credit report are the same loan and not from two different lenders. They failed to provide the documentation. I attempted to call back waited on hold again for over an hour then an agent picked up the phone and immediately hung up, making me need to call back again to request the same documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
For company to do what fair equitable to me by consumer by deleting the items identified as identified theft from my consumer reports

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 2023-01-11
Company: Experian Information Solutions Inc.
State: TN
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 accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account name XXXX XXXX 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.

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 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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