BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: JMAC LENDING INCORPORATED
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX, JMAClending is my loan company. I have been having trouble with my mortgage payment getting higher every month without explanation .My mortgage payment for XX/XX/XXXX was XXXX Payment due on XX/XX/XXXX. XX/XX/XXXX XXXX payment due on XX/XX/XXXX.statement dated XX/XX/XXXX XXXX Due date XX/XX/XXXX. I do not understand why my payments are so XXXX  up. My phone # is XXXX or XXXX If you need copies of statements I can send them. Address XXXX XXXX XXXX XXXX XXXX, Georgia XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two credit cards with Citibank. One has a credit balance ( money owed to me ) of {$660.00} ( card  ending in XXXX ). The other credit card has a balance due XXXX money I owe the bank ) of just under {$100.00} ( card ending in XXXX ). Three times I have called the bank and asked that they transfer the funds from the one credit card to pay the balance owed on the other credit card and mail me the difference. However every time I call the person taking my call acts like I am speaking a foreign language and I never get any meaningful assistance. I want the one credit card account paid using the credit balance in the other credit card account that is owed to me and the difference mailed to me. This is NOT  a request to close either of the accounts it is simply a request that money owed to me be refunded after the amount owed is paid.

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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: OH
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 looking over my credit report & noticed some errors. I've misplaced my credit report since then and would like to receive another copy. I have attached my ID & SS card. My address is XXXX XXXX XXXX XXXX, Ohio XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this collection Attempt since 2018.

I have no knowledge of said debt owed and have repeatedly requested PROOF THAT I OWE SAID DEBT.

A signature agreeing to pay the amount that the creditor said I owe? OR Any formal documentation that legally binds me to the amount of money the collection agency falsely accuses me of owing.

What happened to justice and fairness in reporting from credit bureaus?

Does Experian just take the word of EVERY COLLECTION AGENCY reporting a debt owed without the responsibility for proof of said debt before damaging someones credit worthiness with a unjustified accusation.

If this is not the case, then why are they not required to send us, as the consumer, whatever legitimate documentation or electronically agreed to contract that a credit collector claims is owed before dragging down our credit score and making us look like a bad credit risk?

Is this not Defamation at the highest level?

Affecting our ability to work at some jobs?

Ability to house, clothe an feed our families? Which is an essential human right that seems to be handled with absolute disregard and disrespect.

EITHER SEND ME SOME LEGAL AND BINDING DOCUMENTATION THAT SHOWS UNDENIABLE PROOF OF A COLLECTION BEING CLAIMED OR REMOVE THIS LIE AND UNWARRANTED ATTEMPT AT EXTORTION.

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 2017-10-03
Company: SYNCHRONY FINANCIAL
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:
Violates XXXX and CRA.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Upon intense inspection of my credit file I found a total of XXXX ( XXXX ) errors and therefore XXXX ( XXXX ) violations TransUnion made against me . Proof of these errors/violations has been attached to this CFPB Complaint. These violations include but are not limited to ( as compared to other consumer reporting agencies XXXX & XXXX I am distressed that TransUnion had included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that credit reporting agencies ONLY report 100 % accurate credit information. Therefore every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated. 

TransUnions failure to positively verify these accounts HAS HURT MY ABILITY TO OBTAIN CREDIT AND I AM DISTRESSED. Under the FCRA, unverifiable accounts MUST be removed and if you are unable to provide me a copy of verifiable proof, you MUST remove the accounts listed below : I demand that the following accounts be VERIFIED or REMOVED immediately : 1. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 2. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 3. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 4. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 5. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX Account Number : XXXX PLEASE REMOVE IT FROM MY REPORT 6. The following account is unauthorized, inaccurate and is not mine. This fraudulent account has hurt my ability to obtain credit : XXXX  Account Number : XXXX PLEASE REMOVE IT FROM MY 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 2019-07-09
Company: AMERICAN EXPRESS COMPANY
State: VA
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 had paid with my American Express the last amount for a trip with the invoice being a total of {$2100.00}, the invoice included the travel insurance. Each call to the travel agency ( XXXX ) resulted in a transfer to nowhere or not receiving the information that was promised. I have contacted the credit card company on XX/XX/XXXX to help resolve the issue but they are not able to provide the refund even the clear fraud that the web page is doing. I have contacted as well XXXX XXXX XXXX to no avail. 
I have no received any information from any party what are the intentions or required documentation to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
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 have been a victim 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 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This is aggravated identity theft, there were XXXX student loan accounts fraudulently opened in my name without my authorization. XXXX for {$4000.00} and another for {$13000.00} with US DEPT OF EDXXXX XXXX For over XXXX months I tried several times to get matters escalated what their credit department. There were no proper verifications done at the time of opening in contracts nor do they have my signature on file. This is a violation of my consumer rights and this is unlawful to add these accounts to my credit report without proper verification or my authorization. I am demanding for these accounts to be immediately removed from my credit report as they do not belong to me and are a misrepresentation. According to our consumer rights, prior to these accounts being inserted into my report they should have been verified and analyzed for accuracy. This is my formal complaint, keep in mind I've tried several times of contacting the credit bureaus as well. I have proof of deletion from XXXX and XXXX. Experian originally removed it from my account on XX/XX/2022 and I have proof, yet they added it back onto my account which is unlawful. I'M DEMANDING FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT AS IT IS DAMAGING MY BUYING POWER AND CHARACTER AS A PERSON. 

I'm willing to seek legal help if these accounts are not removed immediately.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. 

These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2017-10-02
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: Account information incorrect

Complaint:
On XXXX a complaint was filed with CFPB in reference to XXXX investigation into a hard inquiry on my credit file ( complaint # XXXX ). XXXX response stated the hard inquiry was valid, because of persistence and established dialog with XXXX XXXXs executive office ; on XXXX XXXX, XXXX a letter was received agreeing to remove the Hard Inquiry from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This is paid off and should not be reporting a balance. I would like for this to be removed off of credit as it is already paid and is reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: CREDICO. INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company " Credit Collections Bureau '' is continually harassing me for a debt I have already stated I do not owe, which they refuse to specify for what for the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act everything on my credit report has to be 100 % accurate. 
the credit Bureaus stated that my account was properly investigated on numerous occasions. how could that be possible if for XXXX XXXX with account number XXXX the account number is different on Experian from XXXX and XXXX, XXXX does not have an account type, the date open is inaccurate, the date last active is inaccurate, date of last payment is inaccurate and payment history is inaccurate on all three bureaus. 
Also, for XXXX XXXX with account number XXXX, the account type is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the term is inaccurate, the past due balance is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. 
these are grounds for removal, and they also violated my rights under 15 U.S.C 1681 section 602 A, which states that I have the rights to privacy. 15 U.S.C 1681section 604 A, section XXXX : Also states that a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX with account number XXXX and XXXX XXXX with account number 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 non-monetary relief
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: TN
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 and XXXX are reporting incorrectly a collection in the amount of {$4000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 17 and 18 of the attached credit report. ) I have healthcare coverage with XXXX but had to go out of network for an emergency room visit for XXXX pains. I didnt have a choice as this was a dire situation. Anytime you have a life threatening emergency they are suppose to cover you as though you are in network. This collection is not mine. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: EQUIFAX, INC.
State: DE
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:
In late XXXX I lost a job. As a consequence I had problems paying bills. 

One of the bills was XXXX XXXX. The account was turned over to XXXX XXXX XXXX in XXXX, NY. 

Subsequently I contacted them to see if there was a way to settle the account. 

They told me it had been given to a law office and gave me the number. 

I called a number of times ( XXXX ) and left voice mail but never got a call back. 

I 've called XXXX and never been able to reach anyone to talk to about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
State: AL
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 pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Citi Card Services provides merchant services to Best Buy. 

On XXXX XXXX, XXXX I purchased on my Best Buy account ( through Citi ) a speaker for {$210.00}. A few days later I received a bill. The bill was paid and mailed to Best Buy Credit Services on XXXX XXXX. The bill was due on XXXX XXXX. 

The payment was processed and posted on XXXX XXXX ; 5 days after the due date and 16 days after the payment was mailed. Shortly after all mail was put on hold due to a scheduled vacation. 

Upon return of the vacation there was an XXXX bill from Best Buy Credit Services for a {$XXXX} late charge. A week or so later the XXXX bill arrived from Best Buy Credit Services for another {$XXXX} later charge and a XXXX cent interest charge for a total due of {$XXXX}. 

On XXXX XXXX I contacted Best Buy Credit Services ( Citi ) and informed them of the payment made in full and disputed all of the fees. They agreed to remove one late fee for {$XXXX} but none of the other fees. In order to avoid another late fee I made a payment of the total due, cancelled the card and informed them I 'd contact CFPB. 

Their reply was that they ca n't control the US Postal Services delay in delivering mail. The purpose of my complaint is to inform the CFPB of a possible tactic they are using to delay the processing of mailed payments in order to assess late fees on accounts. I believe I 've paid an amount that I was not obligated to pay but was forced to do so in order to avoid ongoing late fees and interest charges.

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 2017-12-26
Company: 4M Collections, LLC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX at XXXX am. 

Received a phone call on my cell regarding a debt. After returning the call, I informed XXXX that I was on the Do Not Call Registry and that I do not have any outstanding debts. He read the last 4 of the SS # that he was looking for, and I told him that was not me and the last known address he had was in XXXX Washington. I informed him that I had never lived in Washington State. He was clearly calling anyone with the same name as me, without regard to violating the Do Not Call Registry. 
Since I do not trust that XXXX will do what he says, I want all of this documented.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: T.S. Holdings
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Everytime I called about payment of a debt that was outsourced to them they were rude, they practice illegal/abusive acts and tactics to attempt to collect debts, so we paid the creditor ( XXXX XXXX ) directly. After paying the creditor we were told by reps from this company that they would not remove. The creditor already assured us that this agency is a 3rd party and they are contracted by the creditor. The creditor informed us that it would be removed. I spoke to 3 reps all who refused to transfer me to a supervisor and were speaking to me in condescending manners/tones also all stating that it would not be removed. I informed each rep that I would contact the CFPB and each time I was responded to with a laugh. Also, I spoke to the creditor who informed me that she spoke to this company directly AGAIN and told them to remove it from our reports.I reported this to you guys and they closed it stating that the client said debt was owed which is a lie. Ive enclosed my proof of payment. This company needs to be looked into. The XXXX and XXXX  I have received from them is unheard of. Literally stressed me out and caused me anxiety. Rude and unprofessional to say the least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief