BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: Atlanticus Services Corporation
State: MI
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:
The balance on this account is not reporting accurately. The only payment terms that are in agreement with Aspire, is to ONLY pay the {$300.00} line of credit that was origianally extended to me. Somehow the balance increased to double the amount that was agreed upon. This account is now reporting fraudulent information abount me. I want this account deleted immediately. This account status should be " OPEN '', and paid as agreed. HOW CAN These credit reporting companies can report fraudulent information without penalty? Late payments for this account can not be reported for any closed account on a consumer 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I'm trying to buy house, but i can not, because of my credit. 
i paid my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
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 was notified that my information was compromised. Took the appropriate steps to remove the items. Credit reporting agencies have not removed them.

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 2023-07-26
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter on the XXXX of XX/XX/2023 from Peter Roberts & Associates , Inc stating that I owed {$380.00}. 

The letter states I have 10 days to comply or they will alert the credit bureaus of my failure to pay for medical bills from XXXX XXXX, which is my insurance. 

There has been NO breakdown of charges, I went out to XXXX XXXX and logged in and saw no bill for the amount referenced. Unless they ( collections XXXX XXXX ) SEND me a breakdown of charges, I cant pay it because I have no idea what Im paying for. 

They have my address, why cant they send me a breakdown? This is so ridiculous, theyre trying to ruin my near perfect credit score! Send me a bill BEFORE reporting to creditors!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was an account opened on XX/XX/2018 with XXXX XXXX XXXX with a ending balance of {$570.00}. The company said it was opened in North Carolina and I live in XXXX, Michigan. This account was opened fraudulent do to the results of identity theft.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

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 2021-07-02
Company: FMK Credit Education Center, INC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a payday loan. I submitted my information including my social security number and bank account information. I was then called and told that I can not revive a loan and they hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-05
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:
XXXX is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

Experian and XXXX  not letting me look at my credit BEEN a victim of ID Theft XXXX  XXXX not paying for their mistakes i have letters and asked for a fix

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 2021-05-20
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I canceled my cellular service with XXXX XXXX XXXX in XX/XX/2020, I was contacted in XXXX regarding the debt and have been trying to work with them on settling the debt for a lesser amount, the bill collector has refused numerous tips to settle this debt. I dont feel that I should pay the full amount because I can disconnect the service due to false bills, poor service and them not meeting the standards that they set for when I first got the service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: ACIMA CREDIT, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i sent them a letter on XX/XX/17 asking them to verify the debt and what actions they took to veryfiy the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband and I sent a letter with a check for settlement over a week ago via certified mail and when we made contact with them today XX/XX/ they are using deceitful tactics such as that they returned the check back stating that XXXX ( when they are a 3rd party debt collector ) wasnt accepting that amount last week but now they are this week, but wont provide proof of our check being sent back the debt collector is Diversified adjustment services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Merchants Acceptance Corp
State: WA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Global Credit & Collection Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is repeatedly calling my sister at the phone number I provided on the previous page. I first returned the call from her number and then from my own. They were asking for personal information to verify my identity but they refused to tell me who the company was. I explained to them that my attorney advised my sister to file a police report for harassing phone calls and for me to file a complaint about them and not to give out any of my personal information, especially since they wanted my social security number. I also told them I didn't know who they were so I wasn't giving any personal information, especially since I believe these calls are related to previous calls to my place of employment and my family members where the individual was pretending to be from the county prosecutors office and said they would be sending someone out to pick me up. Not only at my place of employment but they also told my relatives that they would be showing up to look for me at their homes. I verified with the prosecutors office that this was not the case. After calling to ask they leave my sister alone and tell me who they were calling on behalf of, I was threatened with legal action against my sister and I was hung up on. They have also threatened my sister with legal action although they are the ones who are harassing her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. MUFG Union Bank NA have violated many laws. 
Section 605, Section 605A, Section 605B.

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 2023-01-13
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:
processing time for electronic transfer of funds takes 5 days recent transfer on XXXX XXXX not in account as of today XXXX XXXX American Express Bluebird account company contacted and no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I found an investigation about incorrect items on my credit report on XX/XX/XXXX I havent got a response as well past 30 days from Trans Union XXXX and 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 2023-08-29
Company: Harpeth Financial Services, LLC
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I have sent 4 separate messages via email and through the contact us section of the Companys website. The emails were dated XX/XX/XXXX and XX/XX/XXXX. I attached a copy of my debt resolution agreement that I am enrolled in and specifically revoked their ACH access and debit card access. I cancelled the debit card so the first time the debit was declined. 
They attempted a XXXX debit as an ACH and it was paid. This was days after my repeated messages which were not acknowledged, by the way. They are in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The credit agencies will not correctly update my credit report as XXXX XXXX XXXX credit card has been paid off.

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
credit reporting agencies still have not removed the inquires 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 2019-11-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is giving credit bureaus different information about me defamation of character showing wrong information about me ... 

Experian and XXXX  not letting me look at my credit BEEN a victim of ID Theft XXXX XXXX not paying for their mistakes i have letters and asked for a fix

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: JDJ Investments, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt with XXXX healthcare system was paid via 6 months payment arrangement for direct debit from my paycheck. The debt was satisfied early with a last payment of XXXX at my request. XXXX XXXX put a collection on my credit report originally for {$1000.00} then increased it after I notified them of the mistake {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made 3 attempts with XXXX XXXX XXXX XXXX by certified mail concerning their account number # XXXX for a debt in the amount of {$200.00}. I have notified them this is not my debt and asked how they are verifying this debt. I requested something with my signature instead they sent me an itemized bill. I have requested 3 times something how they are verifying this and something with my signature. They have yet to comply. I have requested the 3 credit bureaus to remove this from my credit file due to XXXX XXXX not providing me with undisputable proof. XXXX and XXXX  have removed it from my credit file. Equifax has responded with XXXX XXXX have verified it with them, but to this date Equifax has not has not or will not provide those facts with me. I want this removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: BB&T CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My bank who held my mortgage was sold quickly over a course of a few months. XXXX XXXX was bought by XXXX XXXX XXXX, then XXXX XXXX, and finally BBT. I believe that my mortgage was reported late for 4 months straight during this time in error which is now effecting my credit score to  purchase a new property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received my trust fund funds from XXXX  on XX/XX/XXXX and deposited the funds into a new account with chase. They released the money on XX/XX/XXXX but on XX/XX/XXXX they froze my account with the XXXX In it. I went to the bank several times and gave them the XXXX  contact number of which they refused to utilize. They closed my account XX/XX/XXXX and stated they didn't have the money as it never cleared. I got confirmation from XXXX  that the check had indeed been cashed by chase bank. I took a copy of the proof to them on XX/XX/XXXX and they are now refusing to talk to me or the people at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: JPMORGAN CHASE & CO.
State: WV
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:
On XX/XX/XXXX I booked a airline flight with United airline by using my United airline card from chase bank.. when I change the flight the online submission said I would be getting a refund of my purchase flight Then when I called them to see whats going on they said they are not going to give me a refund so I paid XXXX with no service. Because I book another flight and and flew out one day earlier. So basically XXXX of my money that I have to pay the credit card company back is going. It feels like I was rob of my money .i file a dispute with the card company under the fair credit billing act under the reason I been charge for services I didnt receive, I file all the disputes on XXXX the XXXX and in XX/XX/XXXX. I feel like since the card company chase United explore card is affiliated with United airline they will take they side. I never missed a payment with this company can you please help me get my refund. The attached pictures are the pictures of the flights they charge me with that I didnt use. And my boarding passes of the flight I used

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
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 fraud alerts or security freezes

Complaint:
I would like my fraud alerts 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 2017-12-13
Company: Alorica Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Less than a year ago, I unfortunately had to be hospitalized and at the time I did not have health insurance and I was told by the hospital that I would qualify for emergency XXXX based on my circumstances. I have never received a bill or any form of notice. 

A few months later, I was checking my credit report and I was shocked to learn that I had all of this outstanding debt that had gone into collections. I never received/done any business with any of these entities listed in my report. 

The list goes as followed : XXXX XXXX XXXX, XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2017-12-13
Company: EQUIFAX, INC.
State: CT
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:
My information has been compromised as a result of the Equifax security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received letter, dtd XX/XX/2023, RE : Notice of Data Breach, reference XXXX XXXX XXXX XXXX XXXX Advance America ( the company ), in which I was informed of a data security incident that may have impacted some of my personal information. I received a negative ( collection ) on my credit report that it had been placed in collection for non payment after three months. My husband and I started work on credit repair in XX/XX/2023 with an established company and have not tried to establish any new credit.

Company response to consumer: Closed with explanation