BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting Credit card approvals. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2023-03-22
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
have recently reviewed my credit report and noticed you have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party ), provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party.

As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) p
rotects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in error, and this matter is coIrected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( Name ), ( Address ), ( City, and State & Zip ).

If you can not substantiate I authorized the release of my medical information within 30 days. and collection activity continues ( including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the OCR against you and the third party debt Collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a significant drop in my credit score in XX/XX/XXXX. About 90 points in 30 days. I do not have any credit card debt, mortgage or car payments so I found this very odd. I have a small amount of student loans that are almost paid off but I only recently graduated. I looked into my credit report and noticed a {$1900.00} notice of debt collection from Amsher Collection agency collecting on a delinquent XXXX bill. ( attached below ) I have never had an account with XXXX in my life. So I called both Amsher and XXXX. XXXX told me there was no account in my name they had a record of. Amsher forwarded me to odd people asking for my personal information and SSN. I felt uncomfortable and decided to call the CFPD. They guided me to help file for fraudulent identity theft, put a freeze on my credit and told me to send a letter of validation in order to gain more on the debt. I did all of those things and also disputed the claim from my records. I sent a letter of debt validation to Amsher ( attached below ) on XX/XX/XXXX and never received a response. I also was denied by dispute on my XXXX credit report ( attached below ). I want this fraudulent activity removed from my credit. Please let me know if I can provide any additional resources. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: ALLY FINANCIAL INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had two separate fraud claims with ALLY BANK One for {$25000.00} and One for {$750.00} I called at least 25 times to resolve these matters. Instead they falsly claimed they sent forms to my address with no proof. 

Instead of returning my money they closed my amounts. 

This bank committed fraud.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am being ignore after attempts to have inaccurate information removed from my credit report. I have provided Experian with clear evidence and facts of this inaccuracy.

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 2023-02-19
Company: Experian Information Solutions Inc.
State: PA
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:
Accounts appearing on my credit report are fraudulent. 


1. XXXX 2. 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 2021-04-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was scammed by someone, filed a complaint with chase bank and received a piece of mail in writing that says I had my money returned. I tried calling the corporate office and have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX {$2800.00} was fraudulently charged to our card XXXX XXXX XXXX XXXX On XX/XX/XXXX we noticed the fraudulent charges and reported them to Chase. 

Chase agreed to remove the charges and issued us a new card. 

In speaking with Chase, goods or services of these items were never received by the fraudulent purchase because we were able to notice the fraud before hand. 

In XX/XX/XXXX Chase reversed the {$2800.00} credit claiming 'we had received the goods and because of XXXX ' fraud protection it can be proved the charges belong to us '. 

We would like the fraudulent {$2800.00} removed from our card in accordance with Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
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:
XXXX Card was reported on XX/XX/XXXX via XXXX. However, fraudulent application have been submitted my identity without my consent to fraudulently obtain services. Do not extend credit without verifying the identity of the applicant. 


Also, XXXX XXXX was reported on XX/XX/XXXX via Equifax. I was being told its bern removed, but its not. Ive sent out a letter to Equifax since XX/XX/XXXX, but nothing has changed ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
LEXIS-NEXUS IS UNLAWFULLY FURNISHING PUBLIC RECORD NO. XXXX ON MY PERSONAL CREDIT FILE WITH THEIR COMPANY IN ERROR AND I HAVE DISPUTED SINCE XX/XX/2017. SEE ATTACHED. 

I WAS A VICTIM OF IDENTITY THEFT AND HAD SUPPLIED THEM WITH THE FULL POLICE REPORT AND THE LETTER THAT WAS RECEIVED DIRECTLY FROM THE BANKRUPTCY COURT SHOWING THAT THIS WAS NOT MY BANKRUPTCY. THEY REFUSED TO DELETE THE BK, AND ARE NOW IN VIOLATION OF SEVERAL FEDERAL LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am a XXXX vet living on XXXX since my XXXX and my wife and I decided to change from BMO Harris Bank to XXXX XXXX XXXX. I had a plan to migrate and my SSA XXXX check took two months to change from one institution to the new one so as I planned the second check transfer I expected the same time period. It only took XXXX 5 days to make the change. So my car insurance and my wife 's health Insurance payments bounced. I got them changed over to the new payment systems but BMO charged me {$35.00} a pop and then started charging me {$7.00} per day so now they say I owe them {$200.00} to close the account. I do n't have the money to close it until my next XXXX check at the end of the month. BMO says eventually they will close the account but who knows how much I will owe then. I am sorry this happened but I am not sure how to get out of this now.

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 2021-09-26
Company: EQUIFAX, 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:
I reported these 3 account over the last 6 months as Im correct reporting and nothing was done account keep being verified but not removed as demanded for inaccurate reporting and violations under the FCRA { 15 U.S.C. 1681 } Permissible purpose of consumer reports The law will be attached and Im demanding removal of all 3 accounts due to not having written consent as the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being help accountable for a {$2300.00} debt from XXXX University. A company by the name of FMS has been contacting me, even after i explained that i do not owe the school that money. I had a class at XXXX and was able to drop it before the cutoff date in order to received a full refund. My class was never {$2300.00} so i dont even understand where that number is coming from. I have email confirmation that the company approved the refund.. so i do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2022, my coinbase account was hacked, and approximately {$1000.00} dollars of cryptocurrencies were sold and the money transferred out. Original total investment in the account was roughly {$6000.00}, but current prices at the time was {$1000.00}. Coinbase has never resolved the problem, and though it's supposed to be insured, says they do not reimburse for hacked accounts. They only reimburse for " theft ''. Not sure how else one can steal money without hacking. They will do nothing, and to-date, I am still unable to get access to the account. It does not send me an e-mail to change my password, or access it. They send me the same repeated e-mail over and over when I reach out to them about checking my spam mail, but it is NOT in there. Can you PLEASE help me get a reimbursement?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: ResidentCollect, Inc.
State: TX
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:
Innovative recovery is reporting a collection on my reports that I am not familiar with. I have reached out to them for validation of debt and documents pertaining to this account. In return I received a copy of a lease and an Itemized statement with a place for a managers signature which was missing. A lease with no signature and missing signature for the XXXX makes this account and debt invalid as they do not have proof of any legal binding documents to validate this debt as valid and hold be liable. I am requesting that this account is deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$37000.00}. Please update this accounts.

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 2022-10-15
Company: United Shore Financial Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022 I sent in a XXXX dispute letter to XXXX stating that the item United Wholesale Mortgage do not belong to me and I would like for them to verify the information showing that it does belong to me. I received a response from XXXX on XX/XX/2022 stating that item was Updated and remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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 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 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 2019-09-29
Company: Experian Information Solutions 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 information incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-09-29
Company: EQUIFAX, 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 information incorrect

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX  - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
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:
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from  XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 2022-12-07
Company: Experian Information Solutions Inc.
State: NV
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXXXXX XXXX and may have got into the hands of the wrong person.

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