BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-26
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My second complaint is for CommonWealth Financial, who has a medical collection on my credit report for {$110.00} at XXXX XXXX XXXX XXXX from XX/XX/XXXX. Ive had a primary  doctor since around XXXX of XXXX, theres no reason at all for me to go to the ER. I have no idea how or whos going to these places using my information. But the debt is not mine and should be remove from my reports, all 3 credit bureaus. Ive disputed this account with XXXX  which the company agreed to delete the inaccurate fraudulent unverifiable collection. Yet the company continues to report to XXXX  & XXXX  while knowing the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, an unauthorized charge of {$100.00} was made from Best Buy to my Citi Mastercard. I did not authorize this charge. Best Buy and Citigroup are both giving me the runaround. I just want the charge reversed.

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 2023-03-03
Company: JPMORGAN CHASE & CO.
State: NJ
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/2022 my credit card company posted a charge for {$160.00} from XXXX XXXX XXXXXXXX which is not supposed to be a charge on the card when I found out about that I contacted my credit card company and told them that I didn't authorize this charge so they open a fraud dispute regarding that charge and credited the balance back on my account, but recently the fraud department from the credit card company contacted me and told me that they have to dismiss this dispute and advised me to call them back to open another dispute for an unauthorized charge by the merchant with an agent over the phone. When I did try doing that, the agent from the Chase credit card company told me because the fraud department has closes dispute in the favor of XXXX I have to pay that amount and they can not help me open another dispute or else I have to write a letter and mail it to them and then they will decide whether they can open a dispute or not. I firmly believe that this is unjustly trying to make me pay for some thing that I didn't authorize on my card. As I paid the full balance of my stay with XXXX with my another card, and this card was just used for identification purposes which shouldn't be charged with any kind of fee or payment as I have the proof that I paid the full amount with my another Chase credit card. I informed them regarding what I am saying here, but they are not ready to listen to my side of the story and not opening another dispute and unjustly trying to ask me to pay the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
It's my understanding that I may get weekly credit reports using XXXX. Otherwise, XXXX, XXXX, and TransUnion will only update once a month, if I'm lucky. I know that several items have been removed from my report and/or disputes have been resolved. I do not know, however, what the results of these disputes are nor have my online credit reports changed at all from XX/XX/2020. When I try to get these reports via internet or by phone, all 3 agencies are now stating that they can not give me this information. XXXX, the worst of all, claims that they have no such person in their database matching my name, SS #, and address. They are just lying. I was found quickly enough last year when I was found to be a member of the Class Action that was filed against XXXX for the release of my information. Trans Union 's excuse is that since I have an ongoing dispute, I can't see my credit report, including, but not limited to, the results of prior disputes filed. I have been very aggressive in going after these fictitious accounts lately, after spending the past few years having my XXXX XXXX and trying to recover. I believe during this period of time is when all this false information was added to my reports. The credit agencies seem to suddenly be either ignoring me or trying to avoid me. Neither will work.

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 2021-02-03
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: Information belongs to someone else

Complaint:
Trans Union fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX  fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX XXXX REPORT INCORRECT BALANCE ON 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 explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions 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:
XXXX XXXX ( credit card services ), reporting my account to Experian Credit Bureau as delinquent on XX/XX/2021, when it has " Never '' been delinquent. Also, it is reporting wrong amount owed, thus my credit score went down 7 points because of the inaccurate information reported. The amount in question is {$1100.00}

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 2020-11-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained a copy of my credit report and notice accounts i dint not authorize. TThe following companies have violated my rights acording to 15 usc 1692. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX inquire XXXX XXXX XXXX XXXX XXXX inquire XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: ENOVA INTERNATIONAL, INC.
State: OR
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:
XXXX XXXX XXXX reported on XX/XX/XXXX a collection on my XXXX  credit report for {$530.00}. When I contacted the number listed, they say the original creditor was Cashnet USA and the debt is related to a XXXX payday loan. I was never notified of this debt, and when I requested detail on the specific debt, they were unable to provide it and referred me to a company with a disconnected number. I called the company Cashnet USA that they say was the original creditor, and the company confirmed I never had any unpaid loans from them. I have disputed this charge with XXXX  and am waiting on resolution to get it removed from my credit report. I do not understand how a company can just add a collection on a consumer 's credit report without any support or prior notice to the consumer. The credit bureaus need to address this issue, it has impacting a large number of consumers, judging by the number of complaints about this company and others like it on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to connect Credit Collection Services via mail twice but they have not responded with letting me know how I owe them this debt. They are unable to verify or validate that I owe them a debt. 

I have requested that they stop reporting this account to XXXX  and delete it. 

CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Account number as reported : XXXX Amount reported {$110.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: MO
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:
Where do these accounts come from? I have no business transaction with any of these accounts. The account should be remove because they don't belong to me..XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 2019-11-16
Company: Ocwen Financial Corporation
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi Im currently in litigation with XXXX XXXX XXXX for a second mortgage for a home foreclosure. The primary mortgage is responsible for paying the second and is refusing to even acknowledge it exists or that the first, Ocwen Mortgage, received an overage on the note due to them. XXXX will never get a dime from me. They are liars and are harassing me for money that is actually owed from Ocwen who took the property. Banks not paying each other is not my problem.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay all my bills by bill pay. They did an escrow analysis adding a charge of XXXX . In XX/XX/2020 they sent an up charge, Since they were sending unlimited advertisements to me I apparently missed their notice. In XXXX I called and was notified I Did not pay their up charge that I could pay it on the next Payment. I paid it then. They then notified after cashing the {$1100.00} payments, that my payment was 30 days late, of course this has affected my credit rating. NewRez loan number XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Bebit was closed in XXXX  balance no payment was missing improper reporting to all 3 credit inquiries pls remove well fargo card service

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 2019-10-29
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was fraudulent charge made on my card at a wireless store. I notified Barclay by phone 5 times emailed and faxed them over a 2 month period. I have been unknowingly paying for the charge for over a year because I have all cards set up on autopay and recently relized when my bank account was compromised and had to set up all accounts again on new account and realized I had two Barclays payments coming out. I am getting the run around and no help from Barclays!

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 2020-05-31
Company: Experian Information Solutions 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:
I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX stating that they have notified all Three Credit reporting Bureaus to remove any account listed on the attached letter. I filed a case with the CFPB dated XX/XX/XXXX and XXXX XXXX XXXX stated that they notified the all three credit bureaus a month ago. The case number for reference is # 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 2021-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
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 XXXX XXXX reporting on my Credit Report as this is a incorrect error, From XXXX, I have No knowledge of this debt! Account # : XXXX! Phone number : XXXX!! Pleaseeeeee, Im, asking, too, Remove, this debit, Completely off, my, Credit Report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Credit Bureau is in violation of FDCPA, FCRA and also XXXX compliance. The account in question is over 10 years old.

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 2020-07-02
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: Their investigation did not fix an error on your report

Complaint:
I been previous disputing with XXXX  and Transunion the following account XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These accounts have been paid in full and are old to be part on my credit report. Every time I dispute the account I receive an email or letter that the accounts was previous dispute but the don't fix the inaccurate information form my personal 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 2021-02-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a notification that XXXX XXXX  XXXX XXXX and XXXX- xxxxxxxxxxxx XXXX was a new account on my consumer credit report. This account was previously deleted back in the year XXXX and also XX/XX/XXXX and I did not receive a notice from Equifax nor the original creditor XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. Also, I received written notification that this item will be deleted because it violated my rights under the FCRA ( See ATTACHMENT ). Also, the following account ... XXXX XXXX XXXX XXXX is in violation of the law where it states that I must receive written notification that the account will be re-inserted within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ) from the original creditor or Equifax. I did not get written notification of this fraudulent account. Please also do a fraud investigation for the following unauthorized inquiries : XXXX XXXX XXXX, XXXX EQUIFAX MORTGAGE SOLUTIONS-XXXX  XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
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: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-03-13
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 2021-02-03
Company: LEXISNEXIS
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:
I filed a complaint against LexisNexis with CFPB ( # XXXX ) on XX/XX/XXXX. I finally received a letter on XX/XX/XXXX dated XX/XX/XXXX from LexisNexis stating that I can access my report online and they provided a PIN. When I attempted to access my report, I received a message that my PIN had expired because it was only good for 30 days. I received the letter 49 days after it was dated. I called LexisNexis today and was told that they are unable to provide a new PIN to access my report and that they would have to send another letter in 7 - 10 business days. They were unable to connect me with a supervisor for assistance. I originally requested that they correct my report in XX/XX/XXXX and filed the complaint with you when they failed to make the legitimate corrections. I was also informed that they are unable to email the report to me. This has been an extremely frustrating experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Nelnet, 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: Account status incorrect

Complaint:
On today, XX/XX/XXXX, I received an alert from TransUnion that a Nelnet account was reporting 120+ days late. This caused my credit score to drop 61 points! I called and spoke with a representative and she said that they have not reported on my account since 2016 and that my account was paid in full through consolidation. I demand that this account is removed or updated to show accuracy.

Company response to consumer: Closed with explanation