BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
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:
I am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by XXXX and XXXX I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
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: Information belongs to someone else

Complaint:
I found out that there are several accounts reflecting badly on my credit report today XX/XX/20 when I was denied from opening a credit card at my bank. None of those accounts belong to me nor did I authorize anyone to open those accounts using my personal information. I have no idea who could have stolen my personal information to open these accounts behind my back but I already filed a police report. I did not gain anything at all from these accounts being open in my name nor did I take part in any purchases, transactions or payments regarding these accounts. I have never had any written/verbal contracts with any of these companies.

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 2018-01-26
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Citi-Mortgage concerning a refund check of XXXX cents that was supposed to be mailed to me in XX/XX/XXXX has yet to be mailed to my place of residence. 

Also I spoke with Citi-Mortgage in XX/XX/XXXX and a customer service agent told me the check was mailed on XX/XX/XXXX they continue to give me the run around concerning the check please help resolve the matter. 


I will attach the letter to my complaint Thank You 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 2023-05-22
Company: Experian Information Solutions Inc.
State: PA
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 information on my report is incorrect.

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 2023-08-10
Company: Conn's, 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: Old information reappears or never goes away

Complaint:
I have a conn 's account showing on my XXXX credit report. This account has a first delinquency date of XX/XX/2016 THis account was removed from my credit report and is now showing on my credit report again. this account needs to be removed immediately balance showing on Credit report is {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dispute letters were sent to all three credit bureaus for the first time on XX/XX/2022 with the identification required such a valid driver license and copy of my social security card. Never received answer from those dispute letters back to my mailing address. 

I sent a second round of dispute letters on XX/XX/2022 to all three credit bureaus with the identification required AND a letter stating that they haven't responded to the first dispute and this could be a violation of the law and I could notify the FTC if they did not responded. To this date I haven't received answer from my dispute letters from non of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Conn's, 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: Account status incorrect

Complaint:
this started in XX/XX/2019 over a financing of flooring at XXXX XXXX XXXX XXXX Texas XXXX financing was originally done in XX/XX/2019 first payment was XX/XX/XXXX for 24 months which I requested 36 months and they would not accept 36 months they would only do 24 months. The date I went to them to do a renewal was XX/XX/XXXX spoke with XXXX XXXX and she did the renewal for the 36 months that I requested for at first. First payment was XX/XX/XXXX which I had paid monthly since the renewal but for some reason Conn 's Office has been calling and harassing me over {$350.00} for this loan that as already been renewed back on XX/XX/XXXX for 5 months every week 3 to 4 times a day I have received threating phone calls and message 's from Conn 's Office. They put this on my credit as delinquent and late fees and refused to take this off knowing that this loan was already renewed back on XX/XX/XXXX. As of XX/XX/XXXX I have received another threating message and phone calls. I have tried on several occasion to resolves this with different other organizations of Conn 's to get this matter resolved with out any resolutions in the matter. I also tried to contact the Corporate Offices in Arkansas but once again no resolution what so ever for the matter. These are the Account numbers in which are the issue 's consist of Account # XXXX closed out and this is the current Account # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Someone has stolen my identity and constantly opens up prepaid cards in my name in an attempt to get into my personal accounts to steal my money. Cash app, XXXX, XXXX XXXX XXXX, square cash cards, etc. I have called these banks over and over again. But they still allow this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After learning how to navigate the apps for the 3 credit bureau I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. Even after filling a report a few years back for identity theft. 

On or around XX/XX/2021 I wrote letters to each bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I should n't have to pay for a freeze. This is ridiculous esp. after the XXXX  breach. I just want to protect myself, not make the credit bureaus lots of extra money for XXXX up.

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 2018-04-24
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XX/XX/2018 I was making a reasonably large purchase in the amount of {$3700.00}. I had {$4100.00} in my account. I called Netspend customer service to ensure the transaction would proceed without issue. I was reassured that there would be no problem. I informed them the location, amount and company name the purchase would be from. approximately 3 minutes later, the card was swiped and declined. Netspend held {$4100.00} on the {$3700.00} charge. I called customer support and they informed me that Netspend holds 15 % on all rental charges. This is something that is not in the terms and conditions. customer support informed me also that to receive my money back, i would have to provide them with a confirmation receipt that the transaction was declined. upon providing them with the only documents i was able to get, they informed me that it was insufficient and that there was nothing more they could do. The merchant had sent them an email with the declined receipt attached. 2 representatives would not transfer me to a supervisor, and all of the reps would not allow me to be transferred to a united states call center. XX/XX/XXXX, i received a call from their corporate headquarters to verify the transaction had been cancelled. The funds were immediately released to my account with no further question. I spoke to XXXX XXXX, Corporate customer experience representative. I asked him where this information was in the terms and conditions, he informed me that it was in " pending transactions ''. after searching through the document, i was unable to find anywhere that addressed rental transactions. I asked him to locate it for me, after which he quickly ended the call stating he didn't have the time. I am very upset with the customer service of this company. There is a huge communication barrier in the fact that many of the representatives do not understand the english language well. To top off the matter, they will not transfer their customers to an american center where the communication will not be a barrier. If customer service is an important matter, this company is not one to give business to.

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 2018-01-26
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yesterday I received a warning from XXXX that my credit had dropped. I went to check and found a company called XXXX XXXX XXXX XXXX asking me to pay a hospital bill that don't belong to me. I'm trying to communicate but I have no answer. I NEVER received any mail from this company at my address. XXXX XXXX XXXX XXXX is making false and defamatory statements about me regarding debit they are trying to collect. I think this company is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX : {$0.00} XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) Account XXXX : XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-02-22
Company: EQUIFAX, INC.
State: NC
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:
Current information that is on my credit report is not validate and need to be updated. I currently XXXX and this incorrect information is causing a lot of stress on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: TX
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:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Mortgage Research Center, LLC
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:
OnXX/XX/XXXX,2020, I signed for my home with Veterans United Home Loans . I paid the first payment that was due on XXXX XXXX, 2020, and at that time I set up a recurring automatic payment for all future payments. When I realized my XXXX and XXXX payments were not taken out of my account, I immediately called to make those payments over the phone. At that point, I resubmitted the automatic payment details and reconfirmed that it was set up -- again. 

I am making this compliant to the CFPB after filing a compliant with Veterans United Home Loans to dispute the late payment added to my credit report. Contrary to their claim, I was not notified about any missed/late payment. Veterans United Home Loans refuses to substantiate their claim of attempted notification with any proof. They are unwilling to admit the error even though they erroneously sent me repeated emails congratulating me on closing my home loan while my application was still being processed! 

I am requesting the CFPB to investigate the matter and have the inaccurate reporting notification be removed 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 2023-11-03
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I received a letter from Experian last month round XX/XX/XXXX cause I purchased car over 7years ago and the car had major problems so the mechanic guy came and pulled it to his shop and somehow he ended up keeping the car I XXXX XXXX and they say the title is with the company XXXX XXXX but somehow the mechanic got the car and it's on my credit it's stopping me from getting loans cars etc they say I owe but I dont

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 2022-08-09
Company: EQUIFAX, INC.
State: TN
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 Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: IL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: LJ Ross Associates
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with LJ Ross Assoc. They are unable to provide authentic, original signed documents or agreement stating such.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX Acct # xxxxxxxxxxxx XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Reported Bal : {$750.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD 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