BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
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: Information belongs to someone else

Complaint:
I am disputing a fraudulent inquiry on my credit file from XXXX XXXX. Inquiry date was XX/XX/2023 this was not made by me this inquiry is fraudulent and I would like it removed from my credit report. I already filed a dispute with Experian as well as contacted XXXX  and requested it to be removed and any cards canceled

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 2023-03-23
Company: First Federal Credit Control, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received notice from First Federal Credit Control XXXX, a Debt Collection agency and responded with a Notice of Dispute. 
Requesting the following information. 
1. A detailed accounting of what the money you say I owe is for ; 2. A detailed explanation of how you calculated the amount you say I owe ; 3. Copies of any documents that show I agreed to pay what you say I owe ; 4. Identify the original creditor and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process. 

Received a call from collection agency who said they received my notice and are not required to provide any of the requested information and would not be sending anything. They put a late notice on my credit report despite this not being a valid debt and receiving Notice of Dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: PA
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 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 2019-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I came off of forbearance in XXXX of XXXX due to my industry being shut down due to XXXX. I had began the process of submitting an application for a loan modification to Loancare LLC. I was also assigned a single point of contact that did not actually exist. Every time I called I spoke to someone different, and was given different, incorrect or insufficient information every time. After 9 months of going back and forth, Loancare finally accepted my application and has considered it complete. They sent me my trial payment period plan offer. I have until XX/XX/XXXX to accept their offer. This is also when my first payment of the trial offer is due. At the same time they sent me the offer, I got approved for a grant for mortgage assistance for almost the exact amount I am behind on. When the company reached out to Loancare to retrieve my file- Loancare told them that they can not accept my assistance because I am already entered into a modification. I have not agreed to or signed anything or made my first XXXX payment! They have dragged out my loan modification application process for an extra 9 months, without allowing me to make payments, putting me further delinquent. I took extra steps to get approved for mortgage assistance and they will not accept it. They told me numerous times to send in the same documents over and over again while submitting my application. Many times I had to start all over again, due to them stating it was incomplete, even though I had proof of the email with the documentation. They would mark my application as incomplete without notifying me if other documents needed. They are purposefully making it difficult for customers coming off forbearance. They are trying to set people up for failure and take peoples homes since the equity in all homes is sky rocketing right now. I am sick to my stomach from their tactics. I am so worried that by the time I can get someone to help me, my opportunity to have receive the assistance will be gone, since it is a first come first serve basis, and Loancare will get what they want, and force me into agreeing to the modification.

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: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

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 2021-12-11
Company: JPMORGAN CHASE & CO.
State: TX
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 notified through a push notification and email from Chase Bank, that there was a suspected fraud transaction. The transaction was from XXXX XXXX, located in XXXX, TX, for the amount of {$4000.00}. This fraudulent transaction took place on XX/XX/2021. I immediately disputed this claim to Chase by calling their fraud department. The fraud department advised me that they had determined it was fraud and that the transaction was had tried to be processed numerous times before successfully charging my card. On XX/XX/2021, I received a letter in the mail from Chase that was dated XX/XX/2021, notifying me that my fraud claim had been denied. The letter did not state the reasoning, nor did they provide me any information on how to dispute their finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With TransUnion : XXXX XXXX XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX  OPENED XX/XX/XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2020-01-24
Company: TCF NATIONAL BANK
State: IL
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, a purchase from an organization titled as " XXXX '' appeared on my bank account for an amount totaling {$72.00} plus a {$2.00} international service fee from the same organization. I did not purchase any product or service that day and did not know about the transaction until my financial institution, TCF bank, alerted me of possible fraudulent activity. I had told them that I had not instigated the transaction, so they went forward by freezing my account. I was not automatically refunded for my money, as I was told that I was responsible for calling the organization to issue a refund to my account. After being given the phone number of the organization, I attempted to call and was never able to contact someone. At this point, I expected that the organization may be illegitimate and asked my bank to contact the company since I had no luck talking to someone. Afterward that conversation with TCF bank, I was instituted a provisional credit for the amount that appeared to be stolen from my account. On XX/XX/2019, my provisional credit was reversed. I was told that after investigation, they had come to the conclusion that I had benefited from the transaction made to the organization. When I asked how they came to this conclusion, I was told that the details of my case could not be provided unless I submitted a written report to my branch or mailed it in. I was unwilling to do this, as I did not believe that further investigation would cause TCF to change their mind and I was already frustrated at the amount of time I had spent trying to get my money back, figuring that the extra time would probably not be worth the money that was stolen. I still do not understand how they believe that I benefited from the transaction after they flagged the payment as possibly fraudulent, especially when I have had no other history of suspicious activity on my account for the many years that this account has been open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: DE
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:
To whom it may concern, i have submitted the bureaus to remove the following information on the dates listed ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and along with last sent on XX/XX/XXXX. i have yet to receive any details from all 3 bureaus on status on these accounts below. it is effecting me an moving forward in purchasing a home. 


Creditor : XXXX XXXX XXXX XXXXXXXXReason : The 7 -year reporting period has expired on this account, Please remove XXXX EXPIRED XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This is being reported twice, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove immediately Creditor : XXXX XXXX XXXX XXXX XXXX XXXXReason : I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you can not report Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXReason : This Account is not mine, Creditor does not own debt Remove from my account immediately

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 2019-12-14
Company: EQUIFAX, 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:
Creditor this is my father and its on my report case. acc- XXXX, bal-XXXX XXXX XXXX XXXX, acc- XXXX, bal-XXXX XXXX XXXXl, acc- XXXX, bal-XXXX XXXX XXXX XXXX, acc- XXXX , bal- XXXX XXXX XXXX, acc- XXXX, bal- XXXX XXXX XXXX XXXX XXXX, acc - XXXX, bal- XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I have opened a dispute with navy Federal due to over 8k worth of unauthorized charges on my navy federal platinum card. My account was temporarily credited during their investigation. I was later  notified that my credits were being reversed. I contacted the rep and asked why and I was told due to some information from receipts matching mine. I asked what information and he said name, email, and phone number. I let him know that is public information that could easily be found online and asked if I could appeal. I appealed, with my appeal I sent them a letter from one of the creditors freeing me of any debt owed to them due to fraudulent activity because they agreed my information had been compromised, along with my public information that I found online, i.e. phone numbers, emails, and addresses. ( Any criminal can use the dark web to find out anything ). I do not know when or how my card and information had been compromised, however, I contacted some of the businesses and did my own investigations and most of my information if any did not even match my own, most importantly NONE of them had my home address for any deliveries. I also asked when doing my appeal to please forward me any documentation inclusive to their investigation that would cause another denial. They have again denied my appeal and have not provided me with any supporting documentation. This over charge to my account has caused a tremendous drop to my credit scores and has a negative effect to my lively hood. I am finding this to be very unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I sent a letter to all XXXX credit bureaus them on XX/XX/2022. 

You are reporting Inaccurate information in consumer reports concerning me that you have complied and published to third parties. The following tradeline item is inaccurate because you have my name, address and employer inaccurate. 
Name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inaccurate Employer : XXXX XXXX XXXX XXXX. Inaccurate Addresses : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX  XXXX inaccurate XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2022-01-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. I disputed the fraudulent information on JPMCB CARD from my credit report and I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX, JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XX/XX/XXXX I have informed Enhanced Recovery Collection of identity fraud and have provided them with an identity fraud filing with FTC IdentityTheft.gov on an idem they have reported to XXXX, and yet knowingly they kept additional fraudulent account information that they had under my name and Social Security Number from in in an attempt to harm my credit report in future as they did in XXXX of XXXX. 
The attached document shows that Enhanced Recovery collection had knowledge of a fraudulent account opened under mu name & SSN with XXXX XXXX XXXX in XXXX of XXXX, and when I notified them with FTC Identitytheft.gov informing them of fraudulent account they reported for charges with XXXX XXXXXXXX, they failed to notify me of the other collection account they had at the time under my name & SSN with XXXX XXXX XXXX and as a result waited for an opportunity on XXXX of XXXX to knowingly hurt my credit rating with Credit Reporting Bureaus. 
I have attached both Identity Theft report as well as a screenshot of my XXXX Credit Report showing XXXX XXXX XXXX fraudulent account was with Enhanced Recovery Collection on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I have already disputed these items with the bureaus but they did not remove them, nor prove validation.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm a victim of the 2017 XXXX data breach my information was leaked on to the Dark web please delete the fraudulent accounts that we opened in my name XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$100.00} all within the 2017 data breach

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