BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: Global Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not recognize this account. They reported multiple accounts owed and I do not admit ownership. It showed from XX/XX/2019, but no one has attempted to contact me or notified me of my right to dispute. I do not recognize this debt.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-06
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:
Re : Inaccurate account on credit bureaus : XXXX XXXX XXXX XXXX account : XXXX To : XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX, To : Equifax & To : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see with my own eyes - Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
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 am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; XXXX, XXXX, Experian shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX bank submitted a letter stating account was XXXX days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not XXXX days past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2021-11-15
Company: Experian Information Solutions Inc.
State: IL
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:
Ive 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 non-monetary relief
Consumer complaint received 2021-10-05
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: Was not notified of investigation status or results

Complaint:
Hello I sent in a letter asking Equifax to verify 2 accounts that were on my credit report that I do not recall ever being mine! They never opened up an investigation all they did was add remarks to the XXXX  XXXX account but never emailed nor sent me a letter regarding my dispute. The remarks dropped my score by 57 points. I am under the impression that I never received a fair investigation. 

Please see all my supporting docs thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: SC
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 letter is regarding account # XXXX, which you claim I have a charge off and I owe {$490.00} and my account was reported to collections as delinquent for {$490.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent and evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation.

Also please take into consideration that a police report was filed for this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: VA
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 disputed this account many times and i even summited a letter they supplied me with stating the account has been closed and they continue to tell the credit reporting agencies that the account is still open even showing payments are being made even thought the account shows a XXXX balance and has been closed for over a year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
checking my credit report ive noticed incorrect information on my Equifax file. I am interested in disputing all invalid data to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank had requested some XXXX documents earlier this year. I provided all the information requested. XX/XX/2019 Citibank called and sent email to confirm receiving the information. Despite confirming receipt of information, Citibank froze my account around XX/XX/19 resulting in check payments to be returned to payees. Citibank has since reinstated my account. However, Citibank will not provide a reason in writing why my account was blocked in the first place. On contacting Citibank Customer Care via their email system, I am asked to call a Citibank number XXXX. I did that which takes me to their general menu with no option to speak to a customer service rep. I sent a second email via their internal contact email but still get the same response - call this number.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: OK
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 sent my letter off. I told the credit bureaus to " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out.

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 2019-02-26
Company: U.S. BANCORP
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not given notice of garnishment by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. 
I have lived at XXXX XXXX XXXX XXXX, XXXX, KY XXXX since XX/XX/2018. They have had plenty of time to notify me. 
They did not offer an installment payment plan after I called them either.

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 2020-11-24
Company: CITIBANK, N.A.
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:
A fraudulent charge was made in XX/XX/2019. I didn't known until XX/XX/2019. By then the account was past due. I immediately notified the creditor. They agreed in writing the charge was fradulent.

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 2019-02-22
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Recently I decided to attempt to change my mortgage company. One mortgage company asked for certain information from SunTrust Mortgage. SunTrust decided to charge me for the expense they deemed necessary for faxing the information to the mortgage company. They added a {$15.00} fax fee to my mortgage payment!! I shrugged this off, mistake on my part. SunTrust has decided to add {$45.00} to my mortgage payment for next month. I was advised that the addition in the mortgage payment was for three separate fees for faxing. It has been my understanding that a mortgage payment was the amount that was agreed upon and one that has been signed by the customer!! In effect, this would constitute a breach of contract? I am saddened by the under handed ways that business are operating by!! The housing market in 2008 was proof that because of people that are not above board, we can have another crash in our housing system!! I can fax pertinent papers to you so that you can make an informed response. I thank you for your time and effort.

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: Caliber Home Loans, Inc.
State: UT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted a XXXX XXXX XXXX Representative after my husband passed away to update our mortgage information. At that time they told me that I could qualify for the Home Affordable Modification Program. ( HAMP ). I submitted all of the required documents including pursuant to their website check list including a copy of my husbands death certificate. I received a letter on XX/XX/2018 stating they would offer me an opportunity to enter into the FHA HAMP program. I had to contact Caliber in writing by XX/XX/2018. I sent all of the documentation on XX/XX/2018. In order to accept this offer I also had to make a payment by XX/XX/2019, however I made my first payment earlier than that on XX/XX/2018. I entered into this program, I followed all of their instructions including when to pay, and I was told I wouldnt have another payment for two months. However, I am on auto draft and they were suppose to take out my payment according to their new schedule. They didn't apply a payment to the correct date and now Im being reported late on my credit report. Late for XXXX and XXXX, 2018. These were the two months that I was entered into this program and was told I didnt have to make a payment. I would have paid the mortgage but I specifically followed the schedule they gave me according to the program rules. 

I have tried to work this out to no avail. Caliber Home Loans violated the FDCPA in numerous ways by employing false and/or misleading means to get me into this program. This violation is under 15U.S.C. & & 1692e ( 2 ) and ( 5 ). They are dangerously close to violating & 1692f by seeking payments not discussed in the HAMP agreement.

I have attached the letter that I was accepted into the program and I have also attached a detailed history of payment that supports this complaint. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is an additional complaint from an original complaint that, to date, has not ben resolved. I will attach all correspondence including the response Chase Bank gave you and was forwarded to me as the answer to my initial complaint. I have also included the " Affidavit '' Chase required I sign, notarize and send to them. 

The basic problem is that Chase Bank has been holding {$180.00} that they have agreed is owed to me but continue not to forward the funds via check or deposit into my account. 

Please note, the bank account number I am going to provide is for a CLOSED account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company XXXX - XXXX XX/XX/XXXX New Address - XXXX XX/XX/XXXX Commonwealth Financial - XXXX  XX/XX/XXXX ( there were 2 reports same from XXXX ) Commonwealth Financial - XXXX XX/XX/XXXX ( there were 2 reports same from XXXX  ) - Inquiry Details from XXXX XXXX ( XXXX XXXX XXXX XXXX. ) Inquiry from XX/XX/XXXX ( not mine ) XXXX ( Telephone Companies ) Inquiry from XX/XX/XXXX ( not mine ) XXXX  ( Miscellaneous Reptg.Agencies ) Inquiry from XX/XX/XXXX ( not mine ) XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX ( I had a credit card from XXXX  ) Derogatory Marks from XXXX XXXX  ( not mine ) XXXX  ( not mine, there were 2 reported ) XXXX XXXX ( not mine ) Ps. not represent enough information which is including from who, when, where, etc. depts. report, as well on XX/XX/XXXX-XX/XX/XXXX someone broke into the car and got all my wallets, credits card, driver license and social security number card ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no account or binding contract with this company, I have never opened an account with this company so I have no debt with them. Please discontinue on collecting and or reporting to my credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern : I hope this message finds you well. I was a loyal XXXX customer for two years and always paid my balance in full. I never received any notification that I had debt with this company until I received a phone call from XXXX XXXX Debt Collection Agency in  XX/XX/XXXX stating that I owed XXXX  . This was the first time I was informed of having any sort of debt with this company and I immediately paid the balance in full. When I moved I had cancelled the service and was not made aware of any remaining balance. I have always been responsible and accountable for my finances and this mark is an inaccurate representation of who I am as a consumer. Moving forward, I would not want this wrongful accusation on my history to negatively affect my opportunities in the future which revolve around my credit score. 
Thank you for your consideration and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Pulled my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.

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 2018-09-28
Company: TimeMark Solutions, Inc
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was told by TimeMark Solutions Inc, that the reason that I was not qualifying for XXXX forgiveness was because I needed to have my loans consolidated and taken away from XXXX  for five payments of {$110.00}. However, after speaking to XXXX, this is untrue and I could have filled out the paperwork myself for free. The information was presented as if they all worked together for XXXX and they do not. TimeMark Solutions Inc. is a third party company that is getting over on people when I am already struggling to repay my student loans. The money paid to them could have been paid towards my loans. Is there any way that I can get my money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22
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: Was not notified of investigation status or results

Complaint:
Fraudulent account on my credit report remove this Fraudulent account from my credit report XXXX XXXX XXXX account # XXXX fraudulent inquiries flagship inqury date XX/XX/2020 Fraudulent inquiries XXXX XXXX date XX/XX/2020 and XX/XX/2020 And also correct my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX I've been living at this address for over 2 years

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: AZ
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:
The following accounts are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX XXXX, {$360.00} and XXXX XXXX. The following accounts are lost/stolen and have fraudulent charges listed on the accounts : XXXX XXXX XXXX XXXX Visa credit card account : XXXX, XXXX XXXX  Visa credit card account : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
On my credit report I have a delinquent account with a company " Barclays Bank Delaware ''. It states the account was opened XX/XX/XXXX and closed on XX/XX/XXXX. The balance is {$95.00}. I do not recall opening this account. I have attempted to make contact with the business using the number provided on my credit report and the number provided online. I have called several times and have not yet been able to speak to anyone to find out what this account was for. It had had a terrible impact on my credit score and I need to get this resolved.

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 2021-04-06
Company: JPMORGAN CHASE & CO.
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:
My name is XXXX XXXX, I am an elderly man with resources. I have employed business managers and worked with personal bankers to insure my affairs are not out of order. However even though I have done my very best to insure that i am insulated from mistakes that can occur, one can not completely protect themselves from mishaps or fraudulent activity. The late payment appearing on my Chase credit card account is not my fault it is the result of both a mishap and fraud.

Company response to consumer: Closed with explanation