BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have a credit monitoring alert with the wrong information that does not belong to me. 
Creditor type states ( Bulk purchase finance ). 
I do not recognize this nor have I made any purchases with XXXX XXXX XXXX. Please have this removed off of 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 explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiry : 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 2019-10-23
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: Account status incorrect

Complaint:
XXXX is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted XXXX via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.

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 2022-08-09
Company: EQUIFAX, 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: DC
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 HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX DOC ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE ACCOUNTS THAT ARE NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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: Account status incorrect

Complaint:
XXXX is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted XXXX via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.

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 2023-07-12
Company: EQUIFAX, INC.
State: PA
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 noticed this account with XXXX XXXX XXXX XXXX back in late may that appeared to have been opened without my knowledge or consent. I am deeply concerned about the fraudulently activity associated with it. I have also contacted the major credit bureaus about placing a fraud alert on my credit file and I will be freezing my credit to prevent any further unauthorized accounts from being opened in my name. I would like to emphasize that I have never applied for or authorized the opening of this credit card account with this company. It is clear that this account was established as a result of identity theft, and I am eager to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have a 2.5-year-old fraud complain against a store card from Macy 's. I had an existing card account with them. While I was on a 3-year assignment overseas, somebody had a card issued on my existing account in their name, much how you would add a spouse to your account. They then charged {$900.00} in goods using this new card and then did not pay the balance. At the same time, I had a fraudulent credit account created with a different bank and under my name with a credit card issued to the exact same individual as the Macy 's card. This credit account was discharged as fraud very quickly. 

I suspect that the cause of the fraud was a mail forwarding service in XXXX Texas that I was using to receive my home mail while I was overseas. This would put them in the position to respond to any credit card offers and to receive my billing statements from existing accounts. 

I opened a fraud case with Macy 's but according to them it was denied because in their investigations system they labeled it as " account was created fraudulently '' which is different from " card was issued fraudulently under an existing account ''. In the meantime, they sold the debt to Citi IRU as a collection agency. Right now I have 2 organizations that deny that the problem is on their end and they blame the other company for keeping the ticket open. Meanwhile, I have faxed fraud statements, my overseas assignment letter, etc to show that I have not lived in Texas nor was I even in the United States during the time that the new card was issued under my account. However, I have to send documents to both organizations since they each believe that they are the sole account " owner '' and do not share investigation details with each other. They have also claimed that email and faxes have not arrived. 

In fact, they don't even share information with me as far as why a card was issued on my account or past billing statements so that I can verify if the purchases were made by myself or not. I have had to reconstruct the fraud incident using bits of information gleaned from conversations with the fraud investigations teams over the course of these years. 

2.5 years later, this is the only negative mark on my credit history. At {$900.00}, I could easily pay this account off. However, in doing so I would be acknowledging that the debt is legitimate and that The case file at both Macys and Citi is XXXX The person who created the card on my account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am with Amex Serve, the WORST WORST WORST checking account ever!!!! 
They literally made me XXXX since I haven't been able to use my account for almost a month. The cards never show up at the right address, or if they do they do not work or quit working. Then when I order a new card I get locked out of my account. They refuse to refund my money as they hold it hostage. They refuse to mail me a check to close the account without an active debit card. Then they charge me fort each card, and if I lose it they lock me out of my account entirely so I can not access my money. If I go online to try and transfer my money, it blocks me. When I try to call customer service for help, it says that I need a 15 digit account number ( card number that I dont have ), and it WILL NOT let me through to speak with one of their robot service agents to get help, and if I ever get through by absolute miracle, then they tell me that I am not allowed to have a new card because they shipped it it the wrong address so I am not allowed to close my account, request a new card, or transfer any money because they keep making the same mistakes. They have cause huge hardships in my life and I am ready to file a lawsuit. I have decided since I am XXXX  now thanks to these crooks that its better to have my mail going to advocates who are witnesses trying to help me. You are a terrible to do this to me AMEX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : CALL 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 2019-10-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I purchased a couple of flights on XX/XX/XXXX to and From XXXX from two airlines who ended up going through Financial Insolvency ( XXXX XXXX and XXXX XXXX ). The amounts paid were {$420.00} and {$380.00} respectively. 

Once I learned about their insolvency, I tried to contact the airlines for a refund but wasn't able to reach anybody. I decided it would make sense to book two different flights since the Terms of Service of the credit card state that the original purchase would be covered and I would be getting that money back. 

The Terms of Service of this credit card as well as their own website list Financial Insolvency as one of the events covered under the travel insurance they offer : https : //www.chase.com/card-benefits/sapphirepreferred/travel Upon contacting the company to file a claim, they told me they do not cover Financial Insolvency and refused to help me submit a claim. I called back to talked to a different rep and they had the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
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:
I noticed unauthorized accounts opened on my credit report. Please remove and block all accounts from my credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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:
Experian is reporting a fraudulent account called XXXX on credit report. This is not my account and my information has been compromised. XXXX information does not match my personal information. Therefore, this account should be deleted 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 explanation
Consumer complaint received 2021-09-03
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We went for Lab service to XXXX XXXX XXXX in Month of XXXX. I have given them both Primary and secondary insurances to claim for insurance on my blood work. Later one month the XXXX team sent me a letter for the remaining balance and I called them to file with my 2ndary insurance who takes care of what primary is not paid or left over balance. But even after months they never filed a claim with my 2ndary insurance and they end up sending this {$110.00} to a collection agency called CREDIT COLLECTION SERVIC. 
This collection agency never called me and they reported that they sent me a few letters but I didn't receive anything. Without talking to me over phone or email, this agency reported to 3 of Credit Bureau 's on XX/XX/2021 about missing payment for the original creditor : XXXX DIAGNOSTICS INCORPORATION. 

Then on XX/XX/2021 when i saw my credit report with these collections i called them and asked why no one called for this collection. I have valid reason not to pay, because XXXX has not filed a claim with my 2ndary insurance. The response I got from the collection agency was bad and they are not polite. so, instead of arguing with them i paid total amount on the same day XX/XX/2021 and requested agency to please remove collection as this not legit because miscommunication between everyone and no one reached out me from collection agency on this due and as well XXXX  did not file claim with my 2ndary insurance yet who supposed to try that option before all this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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: Information belongs to someone else

Complaint:
I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies.

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 2019-10-23
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a bill from the doctors that I didn't agree with the amount because it seemed extremely high and like it might not have been my bill and requested a detailed bill from the doctors office. The hospital never complied after 2 request. On XX/XX/2019, I received a collection bill from Health Care Receivables Group and immediately requested a debt validation on XX/XX/2019 of the debt because I still believed there was an error. Healthcare  Receivables Group never validated the debt within 30 days, even though I submitted my request within days of receiving the initial notification. They continued after this moment to call me numerous times a day and leaving voicemails regarding this debt. on XX/XX/2019, I finally answered and told them to stop calling me and that I had asked for validation months ago and never received it and they immediately slapped this collection account on my credit report at that point on XX/XX/2019. I am currently under contract for a house an their unfair collection practices have cause me tremendous XXXX and XXXX, not to mention could cause me to loose my earnest deposit and due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Today l checked my annual credit report. There is a credit card from XXXX XXXX XXXX XXXX XXXXTD bank  opened XX/XX/2019 on my report. I did not open this card. Luckily, nothing has been charged or paid on it. I want this account closed. I have been on phone ( s ) for hours, on hold with both XXXX XXXX TD bank. Because l only know about this card via my credit report, l don't have all 16 digits of the account number to close it online. Also, because l didn't open this account, my phone number doesn't match up with anything they have on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
This should already be deleted it has been on my credit since XXXX and I need it removed I don't owe Portfolio Recovery anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Capio Partners, LLC
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: Information belongs to someone else

Complaint:
Capio partners XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Capio partners a debt collector intentionally and with intent to cause harm to my credit to force a settlement reported a debt with a service date of XX/XX/XXXX as being from XX/XX/XXXX and 90 days past due. 
This was done with the intent to force a settlement or compromise ( they offered to accept approx. 75 % of the amount in question for an immediate removal of the misreported information ) and with intent to harm my reputation and ability to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have diligently applied for acceptance of a Loan Modification with XXXX XXXX/ LoanCare Servicer four consecutive times only to be denied. I had done the first modification on my own, then the last three by professionals including a Bankruptcy attorney. My income is {$6800.00} a month with mortgage payments of {$2100.00} including Escrow. I more than qualify financially for a modification. My attorney couldn't understand why the denial nor the professional loan modification servicing company. I need for CFPB to investigation XXXX XXXX/ LoanCare Loan modification process and procedures. Something is terribly wrong. They are moving quickly and forcing a foreclosure on my home.

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