BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: GB Collects, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received a letter from GB Collects on Monday, XX/XX/XXXX stating I owed {$28.00} to XXXX New Jersey HMO, my health insurance provider until the end of XXXX. During that time period, I was on autopay and never missed a payment. I called GB Collects on Tuesday, XX/XX/XXXX and spoke with XXXX XXXX asking for clarification and proof of the debt. He wasn't sure what the debt was for and said " it might be for a prorated month in XXXX '' which is not possible because I canceled my insurance plan and switched to a different provider well before the marketplace deadline when I moved out of state. I even received a $ XXXX reimbursement from XXXX XXXX XX/XX/XXXX for collecting too much from me when I was still a member. XXXX said he would send me a copy of the proof via email but he never contacted me about it. 

I had not heard from XXXX again until receiving a letter sent to my old address on Wednesday, XX/XX/XXXX stating " After repeated requests, we have not heard from you regarding the above delinquent balance of {$28.00} owed to our client, XXXX New Jersey HMO ( R ). Due to your lack of payment, we are forced to proceed with further collection activity. In order to resolve this seriously delinquent issue, you must remit payment in full of {$28.00} immediately. '' Signed - XXXX XXXX. 

This company is demanding payment without providing proof of claim, which would not exist since all of my XXXX transactions were direct auto-pay. 

Company information : GB Collects XXXX XXXX XXXX XXXX XXXX, NJ XXXX Recovery Agent : XXXX XXXX Extension : XXXX Acct # : XXXX File # : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: GA
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.

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 2022-02-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 43 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My wallet and a cell phone were stolen from my car 2 months ago. I immediately reported to credit card companies. The thief used my cards to purchase expensive items. I filed a police report soon after. There were 6 credit cards/debit cards in my wallet. All companies gave me credit back for the fraudulent usages but Bank of America Mastercard has refused to give me credit for the charges totaling {$17000.00}. They said they did not approve my claim because the charges were made " by the guarantor and/or authorized user ''. I am the only such person and I did not make the purchases nor I did not authorize such usage to anyone. I provided all necessary information including the police report. I went through this struggle with the credit card company 3 times already and they do not seem to budge and they are trying to force me to pay for the obvious fraudulent charges. I need help from your bureau.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: WI
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 was sent information on letters stating that they verified it through the original creditor, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report.

I. WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S. Bankruptcy Court never provided any information to your company, nor do they ever validate and/or confirm public records ; 3. The public records information is never validated by the Recorder of Deeds nor the U.S.

Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law ; 4. The U.S. Bankruptcy Court confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly ; 5. Your company reported unverified derogatory information to my consumer/credit report ; 6. Your company failed to provide me with competent and documentary evidence to prove that the disputed information is verified. The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '' ; 7. According to the FCRA, I have the right to an accurate consumer/credit report. 

YOU HAVE 15 DAYS FROM RECIEVEING THIS TO REMOVE IT or I will file a lawsuit.

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 2018-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint is in relation to the reporting of late payments on accounts and the reporting of a bankruptcy on credit reports. When a bankruptcy is filed, the filer is counseled not to pay any payments on installment accounts. 
However, there are two separate sections which are reported negatively on the credit report for those same past due payments- thus, you are dinged in two separate categories negatively for the same transactions. 
One category cites legal actions including bankruptcies and the other category cites delinquencies. 
If the only reported delinquencies occurred during the filing of the bankruptcy, during a period in which you are counseled not to make payments due to the bankruptcy, then those same transactions negatively impact your credit score twice- which is 50 % of your credit score, rather than the 15 % of the score for publicly recorded issues or 35 % of the score for late payments. 
These same transactions which are included in the bankruptcy ( and state so on the report ) should not be delinquencies reported separately ( which thus critically hurts the credit score in an imbalanced method ).

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 2023-02-11
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My XXXX paycheck was fraudulently diverted to a chime account. I have been contacting them since XX/XX/XXXX and they are not giving me any info. I did not open the account. My paycheck of {$1400.00} is still missing. I called them numerous times. They will not let me know any transactions. On one phone call they told me the money was sent back and that did not happen. They will not tell me who opened the account. They will not give me any transactions or account info. The money is still missing and they are not being cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
XXXX bank is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an XXXXXXXX or XXXX of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking CHASE policies listed on their website. Only an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Kikoff 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:
I send a lettter to the credit bureaus on XX/XX/2021 certified mail stating that i never gave them consent to report these accounts on my report these things or hindering my identity.

According to 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Under the U.S code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state also Ive already involved and sent this letter to the CFPB, attorneys general office and the better business bureau and Federal Trade commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Citibank didnt give the dates but I have the amounts that were taken from my account unauthorized in Nevada USA such as followed : {$1000.00}, {$1500.00}, {$1000.00}, {$250.00}, {$250.00}.

Also I was supposed to pay my landlord for my monthly rent payment and I sent out the amount of {$2100.00} and someone stole it from my mailbox and was cashed by potential thieves. 

Citibank told me that Im responsible for all of this but they dont give me all the necessary paperwork to follow a complaint with the city police. 
I hope you guys will help me with this issue. 

Thank you and XXXX bless you.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only thing I have received from XX/XX/2023 is a letter stating that it doesn't appear to have been sent from me. After receiving that letter, I sent another dispute on XX/XX/2023 identifying myself and addressing the fact that I received the letter from you all. I pulled my report again and my account has not been updated to reflect the changes and ensure that the reporting is 100 % accurate. The following account isinaccurately reporting on my consumer report and are also in violation of 15 USC 1681i ( c ). XXXX Account XXXX : XXXX I demand that it be deleted from my profile due to inaccurate reporting. These errors have damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX I was reviewing my reinvestigation for the account US DEPT OF ED/XXXX  I noticed the result of the investigation came back as updated. The before information attached to this CFPB report is not true at all because more than half the information is not filled out. For example, on the account info before it was disputed, Experian did not fill out the account type, responsibility, balance, balance updated, recent payment, monthly payment, original balance is all blank and not filled out which is incorrect. This information was originally filled out which means Experian is not even investigating the right information. Experian was being deceiving and filled out the information after the investigation labeled the investigation as updated like that information wasnt already in my consumer report before the investigation. I have not been given a fair investigation from Experian for they are destroying my livelihood. Pursuant to 15usc 1681a ( e ) Experian must provide me the 3rd parties method of verification to this account. They have failed to provide me their method of verification, so I demand Experian to remove this account from my consumer report. Attached to this report is the before and after of the investigation information. The " after '' investigation information file attached has just below the account name states " your information may have changed since XXXX XXXX, 2023 '' for no confusion.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: AL
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 am a victim of identity theft please remove this fraud inquiry 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 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXXXXXX XXXX and Trans Union are ignoring my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2022-02-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Release hold on credit cards and accounts. 

XXXX WAS SUPER RUDE, and could not provide federal documents to verify after 2 months of the account opening now you asking for this and military orders. 

I HATE THAT THIS NAVY FEDERAL CREDIT UNION IS ASSOCIATED W/ MILITARY AND BEING TREATED LESS THAN. AS A XXXX XXXX XXXX, I CAN BET MY WHITE counter partners WAS GOT SPOKEN TO, LET ALONE TREATED IN THIS MATTER. 


Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I certainly hope you can help me. This problem originally began as a foreclose. We had a mortgage with OCWEN. We tried time after time to modify our loan with no chance of it happening. This was back in XX/XX/2013. They kept losing our paperwork, thus leading to deadlines not being met. We never got to speak to the same person. We were struggling to pay our mortgage and we needed to remortgage it in order to keep our home. Something was always wrong with the documents we sent in or they lost something. They ended up encouraging us to do a short sale and we followed their advice to the letter. In the end, we lost our house to a foreclosure. This was our first house. We moved from XXXX to XXXX  to be with family. A couple of years later we received a couple thousand settlement because they were sued. I am asking for OCWEN to remove their name and account from our credit report. That is it. We can't go back and get our house back. Yes, they should have helped us, they could have helped us, but they did not. They can remove this from our credit reports. It's the least they can do. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: MD
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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