BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
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: Public record information inaccurate

Complaint:
I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however Equifax lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on Equifax. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. 
XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX Equifax Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: New Century Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, XXXXew Century Financial, XXXX XXXX XXXX attorneys obtained a default judgement against me for a XXXX Bank XXXX XXXX in the sum of {$17000.00} In XXXX, I was served with motion to enforce litigants rights, and writ of execution for bank levy. The debt {$17000.00} was collected and satisfied through bank levy. 

On XX/XX/XXXX I received an empty certified mail ( not return receipt ) envelope from XXXX, XXXX, XXXX XXXX. 

XX/XX/XXXX I received a certified mail package From New Century Financial, XXXX, and Superior Court of New Jersey, XXXX XXXX containing Motion to Revive Judgement for {$17000.00}, plus XXXX costs, and {$7600.00} in interest. 

New Century Financial remained Plaintiff, despite disclosing in the filing that the debt had been transferred to XXXX XXXX XXXX. 

Therefore, we respectfully submit that XXXX ) this debt was paid by bank levy, 2 XXXX XXXX and New Century have fraudulently transferred the 'debt ' to a third entity. 3 ) despite this they have defrauded me and the court by representing that I was served according to the rules of the court, making false statements to the court ; claiming they had standing in the matter, and unconscionably adding costs and interests to a debt they had previously collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was rejected for a loan from XXXX XXXX XXXX ON XX/XX/23 STATED/ EQUIFAX SCORE WAS XXXX Now I HAVE JOINED PAY THOUGH XXXX CREDIT AGENCY- to monitor ALL 3 AGENCIES. 

Right now MY EQUIFAX SCORE PER XXXX SCORE FOR EQUIFAX SHOES XXXX On XX/XX/23 upon applying Thur aforementioned XXXX  ON XX/XX/23 my exquifax score WAS XXXX yet on rejection letter states I WAS REJECTED BECAUSE EQUIFAX REPORTED A XXXX score, I called EQUIFAX FINALLY TALKED TO A AGENT - he said HE HAS NO ANDWERS AND COULDNT EVEN TELL ME MY CURRENT SCORE ON EQUIFAX . Im confused- it was as if I AM BEING PUNISHED FOR NOT PAYING EQUIFAX FOR THE SERVICES I PAY XXXX TO AVCESS ALL REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My credit score dropped from XXXX to XXXX on XX/XX/XXXX. I received this information from XXXX XXXX, noting that on this date a '' derogatory public record '' had been entered on my credit report. 
I contacted, by mail, Transunion Credit Reporting Company, requesting an explanation for this decline in my credit score. 
I do not recall any incident that occurred prior to XX/XX/XXXX that would be considered " derogatory public information ''! 
I did dispute a charge with a physician 's office, but unable to recall the date of my visit to the doctor? I had paid this physician, in full, for the amount charged! 
It is my understanding that derogatory reports by medical doctors and/or facilities will not be considered as " derogatory " and can not be used to reduce a person 's credit rating. 
I have not received any response from Transunion Credit Reporting and request that CFPB contact them for an explanation.

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: Experian Information Solutions Inc.
State: MI
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 highlighted areas on attachments. 

How is it possible Experian investigated and verified the account but there are still inaccuracies showing if one creditor is reporting the same info? Negligence in reporting accuracy is proven here. Even after asking to investigate. For example, how can Experian report a 90 day late when also report perfect payment history? How can one report a Bankruptcy and months later report a charge off? Multiple violations. I feel as though Experian unfair reporting is violating my consumer rights willfully. Experian listing this inaccurate account info is hindering my personal life. Late payments, charge offs etc. are serious delinquencies. I cant qualify for a home loan or rental. This is negatively impacting my mental state and my children livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: JPMORGAN CHASE & CO.
State: NY
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:
This complaint is regarding a dispute ongoing with XXXX. Ive purchased the item last XXXX and received it on mid XXXX and I returned it back immediately. The total transaction amount is XXXX Since they Ive been waiting to receive the refund and then filed dispute related to the refund. 

Chase credit card has been stalling the process by asking me to wait after Ive submitted the requested evidence - photos showing Ive returned the item, self statement about the dispute, and Ive followed their order and did all in time. Since then for approximately 1.5-2months, all I was told to do is patiently waiting as its under review. 

But waiting with no response, Ive reached out to merchant XXXX regarding the transaction, and they agreed to refund me by showing me proof of refund and exact amount. 

Then I called chase and submitted new evidence of the refund but still they stating they dont see the money. Only after I requested to speak to senior supervisor at dispute center, they told me they already closed out the dispute given the timeframe extended beyond two billing cycle and they cant do anything for me. It fell to be my responsibility to get the money back myself. Then my question is, merchant stated they refunded and chase saying they didnt see and refused to help me only because they asked me to wait and now its beyond the timeframe. 

How does this make any sense? Merchant said they did refund, and shows me proof of refund, chase saying they do not the refunds and refused to do anything not even reopen and check. 

This is completely fraud and stealing customer money. Ive been responsive and did everything I was asked. In addition, I did their job by going in contact with merchant. And got proof of their refund. 

On top of transaction amount XXXX that merchant refunded me now taken by chase, theres also accrued interest for XXXX, chase just steal that principal money and earn free interest on it for 4months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: SL Finance LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted and scammed but a debt consolidation company trying to fraud me out of money saying to pay the fees for 5 months, and my student loan debt would be paid off in 1 year.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act 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 non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 non-monetary relief
Consumer complaint received 2020-04-02
Company: EQUIFAX, INC.
State: AR
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 the first time I have ever had identity theft. I'm not sure the reason behind this, but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Square Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/20, someone using my bank debit card number took cash out on an app called " Cash App '' via a mobile device. I do not have the app and did not authorize the transaction. I was notified by my bank ( XXXX XXXX XXXX XXXX ) early on XXXX about this. The person or persons made several transactions on that app. 

!. Cash app {$190.00} 2. Cash app {$100.00} Since I learned about this early in the morning, I called my bank and immediately and canceled my card. The transaction of {$100.00} did not get posted to my account. However, the one for {$190.00} did get posted. My husband and I spent 4 hours on phone calls trying to fix this on XXXX. And today, XXXX, I spent another hour. It was impossible to get through to someone on the phone. We tried 5 different phone numbers and nothing worked. And there was no way to email or do a live chat if we didn't have an account or code number. We then found another phone number and someone was on the phone with us for 45 minutes trying to help us. Unfortunately, we realized later that the person on the phone was not an employee of cash app and we were scammed again. I have the phone numbers that we called and more details if they are needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
Hello! 

I have sent documentation of my credit report to Experian and XXXX to resolve incorrect information that has been reporting on my credit report. I will attach documents of everything that is incorrect and it is listed across all 3 reporting agencies. The amounts shows different balances, opening, and closing dates.

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 2020-04-02
Company: EQUIFAX, INC.
State: AR
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 was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX  XXXX {$4600.00} XXXX XXXX  XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX   XXXX {$150000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
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 called transunion because i am a victumn of inquires placed on my account that i didnt not make or authorize, they told me they would not remove them, i need these taken off as it is unfair, not accurate, and simply need to be removed as they are not mine. I would like these removed asap, i recently called XXXX  and they removed everything false for me, idk why transunion is not doing their job to make sure my credit report is accurate.

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 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently looked at my credit report and seen XXXX XXXX  on my report. I have no knowledge of this account and it is fraud. I also filed with FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing the results of my dispute I am not confident that the bureaus investigation was accurate and complete in accordance with Metro 2 data field formatted reporting standard. Along with not being in accordance with FCRA 623. As well as multiple violations under 15 USC 1681 ( 15 U.S.C. 1681 Section 602, 15 U.S.C. 1681 Section 604 A Section 2, 15 U.S.C. 1681c. ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( A ) ( 1 ) ). In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights under the statutes listed above. 

The creditor has received payment for the accounts as a charged off and is now reporting my earned income. Please remove these accounts immediately as the information being reported is in accurate and violates my rights under the FCRA.

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 2022-04-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My checking account and debit card were used without my permission. XXXX XXXX XXXX  XXXX, my phone and cards were taken away from me. Someone proceeded to use my digital wallet and card. I reported the unauthorized use to the card company and they provided temporary credits. The company took the credit away even though I reported to the company that I didnt have access to my account or card because it was stolen. When I got access to my account I noticed the charges and immediately reported them. I couldnt go anywhere I was XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I did not consent, nor benefit from or authorize any of the following Accounts : XXXX XXXX XXXX  - Account # : ending in XXXX - {$340.00}

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 2020-06-26
Company: AVANTE
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 and XX/XX/2020, Avante USA, XXXX XXXX XXXX XXXX, called my father twice about my debt. They already have my address and phone number on file. I have not received written notification about my debt from the either. I am only aware of them because of these two calls to my father.

Company response to consumer: Closed with explanation