BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-23
Company: I.C. System, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I pulled copies of all 3 credit reports from the credit bureaus. I noticed I C Systems Collections listed as a collection account. In XX/XX/XXXX I disputed with all 3 bureaus and it came back as verified. On XX/XX/XXXX I sent a certified letter demanding validation of alleged account. ( Certified mail receipt enclosed ) Prior to this I never received a dunning notice. I was never notified within 30 days of placing negative information into my credit file.

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 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Various information and accounts are fraudulant, opened by someone other than myself. Identity was stolen and they keep telling me the debt is mine even though my ssn was stolen

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 2017-09-15
Company: J&L Collection Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX, 2017, caller " XXXX '' from J & L Teamworks of XXXX California ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) called my father and informed them that I had a medical debt. I believe this violated section 808 ( b ). In addition, they did not notify me first of any debts associated with my account. They did not call me first. 

I believe the remlevent provision is : ( b ) Communication with third parties Except as provided in section 1692b of  this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Re : XXXX Continue debate over JP Morgan credit card that was issued to me put back in early XX/XX/2018 for travel. I think XXXX and JP Morgan 's plan was to keep any employees 50 and over too tired so we didn't notice that they were stealing from our credit card accounts we were working 7 days a week and 10 hours a day and my last day for working with XXXX was XX/XX/2018 yet JPMorgan kept changing the Auto machine to say different things when I called to check on my account, and I wasn't working nor using their credit card. Now starting with the auto machine it was at one time {$4000.00} that this bank had been asking for in beginning but I only had XXXX   XXXX so I sent it and at that time I was trusting that the government Bank was a good bank being a good steward staff member. A JP Morgan staff person told me the {$3000.00} was for the XXXX XXXX, so I called to XXXX XXXX  and they said they had already been paid in full. This is when I knew JPMorgan Chase bank was Bank was telling lies. Also this bank did not tell me that the hotel the XXXX  XXXX although a crooked Hotel had already taken their {$150.00} to pay for the time I had stayed there- JP Morgan owes them {$150.00} more, and JP Morgan shouldn't be just as corrupt to steal from them. JP Morgan- Chase Bank sent me invoices this bank calls them ( disputes ) but on the banks auto machine they called it my credits. JP Morgan Case Bank gave me a check for {$1700.00} attached. After I sent this bank my $ XXXX XXXX paid $ XXXX then this bank set up a credit for me, that I didn't ask for. My age is a perfect prey in fact any workers XXXX and over and XXXX -Home land Security was hoping we didn't notice what they were doing and I didn't know either until the dispute. I will let the XXXX protection know and the elderly protection know what what's going on with JP Morgan Chase Bank. I told my boss and he just cut off my XXXX-off and went into hiding. THIS lets one know this bank is corrupt and XXXX. I have put in a report with the Police. Now if JP Morgan- Chase Bank wants to go to court they can bring their invoices in strong reasonings with them. The Banks auto machine began to say I owed JP Morgan- {$630.00} then they say - I had it in credit. This amount was from a case that I won back in XXXX XXXXand I spent the whole XX/XX/2018 fussing with a JP Morgan Staff woman -XXXX  XXXX about a case that has already been settled in XX/XX/2018, ( how crazy is that? ) So I requested a man staff of JP Morgan to look over my account there at this bank. JP Morgan 's auto machine began to say that I had XXXX in credit I requested that-but never got, it then it said that I had a credit of $ XXXX so I requested that, but never got it.My $ XXXX JP Morgan wants it back I say no and we can go to court and they can bring all the paperwork and invoices I'm ready to go

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was going through my XXXX XXXX account and noticed that there was fraud and things I never authorized on my account that I was told was gon na come off my account since I have no idea what they were talking about. As someone tried to steal my identity Collections that are fraud XXXX XXXX for {$870.00} is fraud and not authorized XXXX XXXX for {$770.00} is fraud and not authorized XXXX XXXX   {$260.00} is fraud and not authorized I have spoke to these companies and have informed them. 

There are also hard inquires that are fraud that I never applied for. 
XX/XX/XXXX XXXX XXXX  XXXX XXXX on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/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 2017-09-15
Company: Santander Consumer USA 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 information incorrect

Complaint:
I made several good faith attempt to settle my account with Santander. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX account on my credit report is reporting incorrect. Ive sent several disputes regarding this account and nothing has change. On XXXX, and XXXX of 2022, Ive sent several disputes to correct the information even after the reinvestigation. This process is violated my rights and want removed. After notifying them of inaccurate information they still did fix. Under 15 usc 1681, you must hold my report to maximum accuracy. Also, you can not furnish inaccurate information knowingly wrong. The reinvestigation did not fix these problems even after factual disputes sent. This is a clear violation of my rights.

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 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My XXXX  debit card with Bank of America seems that was compromised. I never lost or have let anyone used my card. I used a Bank of America ATM machine on XX/XX/2020 and on XX/XX/2020 when I tried to withdrawal more cash I just couldn't get any cash. Immediately contacted them and open a claim for investigation. They told me to freeze my account because I didn't want anyone to take the only money left and for them to send me a new one. I destroyed my old card waiting for the new one and for them to resolve my situation. All I got was a letter stating that my money won't be refunded because of suspicious activities of fraud. That is ridiculous and offensive because If they check their cameras and their ATM machines systems, they will find out that my card was never used to withdrawal any money. I lost almost all my XXXX savings {$4900.00} dollars. No one helps me on the phone nor the bank. Because they claimed that bank of America is just an intermediary. I don't work, have no money or card and no hopes to get my money. I need help. I'm 100 % confident that it wasn't me or anyone taken my card. That is a lie.

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 monetary relief
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: MO
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:
My address on my Experian credit report that I pay extra to have monitored is wrong XXXX XXXX XXXX XXXX XXXX mo I HAVE never lived there why is this on here? What else is wrong on my account

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 monetary relief
Consumer complaint received 2021-02-24
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX to prepare for a mortgage, I pulled myXX/XX/XXXX Consumer Credit Report from XXXX. I found an account that I did not recognize on my credit. A company called COMMERCIAL ACCEPTANCE COMPANY, who has never notified me, or sent me any information whatsoever, was reporting the account in question. On XX/XX/XXXX, I found a dispute letter online and I sent it to them because that is my right. I sent that letter to the address that is reported right there on my XX/XX/XXXX report. That letter was returned to me. How can this be? They are required to report 100 % Factual information to the credit bureaus, otherwise, the account constitutes defamation of character! They have violated the FCRA and FDCPA by reporting incorrect information substantially in the form of an incorrect address. THIS IS ILLEGAL! PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Previously disputed bankruptcy reporting on credit file several times. I sent a validation letter asking for the person that verified information through clerks office but received no response back. I also contacted XXXX XXXX whom a rep by the name XXXX XXXX at (XXXX) XXXX who explained that a bankruptcy was not showing on her end. I also received a letter from XXXX stating the timeframe required that the bankruptcy could not be verified accurately after a re investigation.

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 2019-08-29
Company: AFNI INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A company named Afni says that I opened an account on XX/XX/XXXX for {$870.00}. It says that it was for a XXXX account. I have been with XXXX since XX/XX/XXXX and can't even get XXXX in my area. I would think that an inquiry would have shown on my credit report for this? 
I have filed a dispute with Transunion ( file # XXXX ),  XXXX and just now written a letter to Afni but it may not have had time to get there. 
Afni reported me to collections on XX/XX/XXXX and my credit score dropped from XXXX to XXXX. How can they do this? 
Afni address : XXXX XXXX XXXX XXXX ILXXXX I was never contacted about this. It just showed up on my credit report. So I don't have any collection letters to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
in the past synchrony bank care credit was made to repair repeated wrongful credit reporting ... now they keep raising the balance on my closed account that i am paying off with no valid reason..they also refuse to delete my bank information

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 2018-09-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans are currently being serviced by Pennsylvania Higher Education Assistance Agency. I have had multiple periods of " qualifying employment '' through the Public Service Loan Forgiveness program, but several periods have not been calculated correctly, resulting in fewer periods of qualifying payments. For example, they claim that information is missing from forms when it is not, or they claim that payment tracking can not start when I am still with the employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit report, I have found numerous inaccurate names, aliases and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on 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 2023-01-04
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: Investigation took more than 30 days

Complaint:
this is an unfair system, one that must be ignored and exploited, and many laws have been broken because of the seriousness of cheating and not taking my situation seriously and cause defamation and no response for more then 30 days

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 2023-01-29
Company: Experian Information Solutions Inc.
State: AL
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 bankruptcy on my report that should not be reported because it was given to them through a third party source not from the original source and they won't delete a third party source violating my privacy which they by law can not do.

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 2019-03-18
Company: EQUIFAX, 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 recently asked my cousin to take me off as an authorized user on his XXXX XXXX card. All was fine until I recently got an update on my XXXX XXXX showing creditor companies saying I am still on the account. I called XXXX XXXX as Did my cousin and XXXX XXXX had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.

Company response to consumer: Closed with explanation