BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: MNE Services, Inc
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving phone call from a person who is claiming to be a debt collector for an online payday advance. when i asked this person to provide me with a copy of a contract with the name of the original creditor. they could not do it. This person has been calling my job repeatedly as many as 20 times daily. when told that i am not there, he become rude and abusive. I have communicated with another agency about this person and there business and was told that this person was running a scam and not to pay them. when i shared this information with this person, they treating to call my job everyday until i paid them the money they requested. My employer stated that this person called 18 times back to back using different phone numbers, after i got of the phone with him. I have asked this person to stop calling my job and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax continues to report inaccurate information even after original creditor requested removal. I have made multiple disputes to have this removed. On XX/XX/XXXX XXXX XXXX  requested all three credit beauros to update the XXXX XXXX Credit card as paid in full and remove 4 late payments dated XXXX. XXXX  and XXXX  complied with the request however Equifax has not. On XX/XX/XXXX I filed a dispute through Equifax online dispute center. I provided the affidavit with the request to correct the derogatory account and remove the reporting of late payments from XXXX. I received the results of the dispute on XX/XX/XXXX and the information had not been updated to correctly report the information. Additionally, I filed a report with the Consumer Financial Protection Bureau. Equifax  responded to the dispute stating that they would investigate and update the information accordingly. They have yet to update. On XXXX XXXX they updated the account still reporting the innacurate information of 120 day late payments from XXXX. 

Your Desired Resolution : This information on my credit report needs to be corrected immediately. It is currently preventing me from getting a home loan. It is an absolute failure and is placing an undue amount of distress on myself and my family. Equifax must remove late payments dated from XXXX on the XXXX XXXX XXXX credit card .

This case will be reviewed by a complaint specialist at the XXXX  XXXX  XXXX, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
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:
I had a crdeit card that was open under my name which was fraudelent.

i reached out to the credit card company in which they are affiliate with two other companies. They did an investigation and sent me a letter stating that the account was fraudelent. but the biggest problem i have now is that a hard inquiry is on my credit report.

ive been fighting with them to resolve this issue but it seems that Transunion and the credit card company keep blaming each other of the error.

the other two credit bureaus delete the item off my report. But Trans union refuse because of the letter i received from the credit card has a different name from the inquiry that is post on my account.

Neither of them is taking blame for this error.

i also wrote you as well about this incident and you forward it to the FDIC in which its not their field. i have a problem with the credit bureau ( TRANS UNION ), not the bank credit card name : 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 2018-12-26
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX  Other Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX XXXX XXXX XXXX  Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XX/XX/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 2017-07-30
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
Credit Bureau is reporting inaccurate information on credit report with Macy 's.
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXXXX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

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 2017-07-28
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Attention to Argon Agency : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Aargon agency I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl 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 2022-01-18
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian has allowed erroneous info to be on my credit file that is damaging my credit score, and credit worthiness... 

Unauthorized Inquiry : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX is old account I closed in XX/XX/XXXX ... they reported it as a charge off, I disputed several times, Experisan did not retrieve any records and mail them to me of what first premier had so I could respond, they only said it was verified, it is not a charge off XXXX agreed to remove from file after I agreed to pay it off, it must be removed

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 2022-01-18
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:
I filed a dispute with Experian credit reporting agency on XX/XX/2021 about a bankruptcy showing on my credit report unknown to me. On their website it states that they get their bankruptcy information from XXXX credit reporting agency. I contacted XXXX and ask them to send me a copy of my report that they had on me. I received the report showing no bankruptcy on my report and sent it to Experian credit reporting agency. On XX/XX/2021 I received a response from Experian stating that The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. I don't think they contacted XXXX because if they did XXXX would have reported to them that they don't have a bankruptcy showing on my report. I have attached the XXXX report to this case.

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 2017-07-26
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Earlier this year, 2017, Hunter Warfield contacted me regarding a bill with XXXX XXXX. I was confused. XXXX XXXX was to send me a bill. I asked Hunter Warfield to send me a bill. When the bill arrived by mail, I saw that XXXX XXXX had been sending the bill to the wrong address. I called XXXX and they said that they had already submitted to collection.There was nothing they could do. So for several months I tried to resolve with Hunter Warfield. They were rude, obtuse and finally I got to someone who could help me. I am on a limited income. Therefore, this was quite difficult. It was frustrating and unfair. I finally settled.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. And the multiple name spellings.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I have a XXXX account that was paid in full and it shows negative as well. 
XXXX bill And multiple ( 10 ) name spelling addresses XXXX XXXX  XXXX  XXXX, XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX, nj

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After review of my credit report, a discovery of unknown inquires appear on my credit report. Due to not knowing who the person is who applied for each of these account I was advised by my local government to complete a FTC. The FTC then provided me to come here with the form to have the issue resolved. This is my first attempt at resolving this issues.

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 2019-09-13
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: EQUIFAX, 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 received a copy of my credit report and found the following item to be in error. in no form i recognize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to Chase Bank XXXX XXXX XXXX in XXXX California to the atm drive through window deposited money and the machine calculated my deposit wrong I had XXXX XXXX dollars bills and my email receipt says I only deposited XXXX XXXX dollar bills so I should of deposited XXXX and bank email receipt says XXXX can they review their cameras or the machine since it miscalculated my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 at XXXX my chime account was compromised of {$4800.00} due to the fact my card was lost. I contacted chime to let them know what was going on with my account. Chime notified me that the charges on my account was through XXXX XXXX in which I was not aware of. Chime trying to make it seem like it my fault. I called XXXX and they told me that there wasnt no transactions under my XXXX  nor phone number with XXXX XXXX. Chime is giving me a hard time on giving me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: OK
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date of incident : XX/XX/XXXX Date of emergency visit : XX/XX/XXXX Amount I have to pay : {$3100.00} Company I contracted XXXX XXXX from : XXXX XXXX. 
Collections company : Amcol systems Hello, I was told to reach out to yall regarding this on going issue I have been facing with XXXX  XXXX for almost a year now. 

I had dined in at XXXX XXXX in XXXX XXXX, tx and contracted severe XXXX XXXX that resulted in a very expensive emergency room bill. I could not eat or drink for 3 days nor work. When i went to the emergency room it was infact XXXX XXXX XXXX I had gotten from XXXX XXXX. I had never been that sick in my entire life. I have been reaching out to them since the incident to see if they will help pay for the bill. I get no return phone calls or emails from them regarding my complaint. When i do call and I am lucky enough to actually speak to someone they blow me off saying someone will reach out to me and it never happens. This is the same restaurant that was in the news for having bad temperatures in their freezers and having to discard thousands of dollars in bad food products. 

At this point my bill had been sent to collections and I have almost paid the entire thing off while I have been going back and forth with XXXX  and getting no where. I dine with XXXX quite frequently and also a member of XXXX select club and their XXXX XXXX club with the casino. I feel this is absolutely rediculous for them to treat customers this way and am reaching out to yall as a last leg for help. 

I do not feel obligated to pay this bill. I have been paying on my collections and have n't missed one payment. My account is up to date and in good standing however I have 2 derogatory marks on my credit right now because of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00}, XXXX OF XXXX XXXX Opened Date XX/XX/XXXX Balance {$4600.00}, XXXX XXXX Opened Date XX/XX/XXXX Balance {$3300.00}, XXXX XXXX  XXXX Opened Date XX/XX/XXXX Balance : {$13000.00}, and ( Original Creditor : ) XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 disputed a negative reporting against my account by XXXX. All three credit bureaus placed a statement that the amount is disputed by the consumer by have not removed it from my credit report. XXXX will not discuss the inaccurate information claiming that the account is with an outside agency, XXXX. XXXX now states that are no longer handling the account. The credit bureau investigation is really not unfair. The bureaus simply ask the creditor if the information is correct then continue to report the information. A consumer who faces so much financial hardship due to damaged credit should not have to go through hoops to correct an error on her credit report. It is unfair.

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 2021-09-14
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want to report this debt syncs/Lowes account number XXXXI tried to contact them but they dont have my account, ,I never own this account.I wanted them to verify my account which they said on my report is verified, but I never received any mail or verification, Then I received unknown company agreement, which I never spoke or agreed to, ,I even tried to contact this collective agency company to verify my ownership, .They dont answer .I tried to call, and company dont recongnize my file number or social security number, Something is very wrong here, ,Please investigate .I will attach what I received,,, and again letter said we spoke in XXXX, I never spoke to them, Please remove this account from my fil

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