BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
reported XX/XX/19 Balance {$1700.00} Company Amerassist AR Solutions. 
This company has put this on my credit for collection. I have not given anybody my social info. This is fraud and i request to be taken off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
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:
Equifax has completed a dispute for a collection on my credit report. I am unable to access the results of this dispute after trying numerous times over the course of a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a notice of bank levy from XXXX XXXX XXXX as trustee regarding a default judgment or guarantor of XXXX XXXX XXXX installment loan. No dates are listed in the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: CO
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 ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I was directed to TransUnion from XXXX, a site recommended by the federal trade commission website on XX/XX/XXXX. Transunion does not distinguish between free credit report and free credit score, one of which is not free. It sucked me into to paying a {$24.00} subscription fee to view a credit score when I just wanted my annual free credit report. The site relentlessly loops you, making it extremely difficult to cancel this automatic subscription. Transunion is dishonest and does not make it apparent what product you are signing up for.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach 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
Consumer complaint received 2020-01-27
Company: ID Analytics, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
After receiving my personal credit report from Sagestream LLC I submitted a statement asking if in the notes it could be put that one of my accounts was closed due to fraud. I followed the company 's procedure and sent a secured fax and gave a deadline of XX/XX/2020 XXXX XXXX est to respond. They did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: STATE FARM BANK, FSB
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX XXXX Sent money on XX/XX/2020 via paper check in the mail. I was informed it was for a XXXX XXXX job which I had applied for. I also called my bank and the bank the check was from to see if it was legit and it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Ad Astra Recovery Services 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:
On XXXXX-16 at XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX . We reached a settlement agreement and he promised my debt will be deleted from my report after payment. Auth # XXXX for payment. The account is still on my credit report as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
OK I cant Trans Union and reported that I have a XXXX XXXX XXXX a auto loan finance that I dont recall me giving consent to run my credit I have some from Arizona I live in Virginia as we speak so does not make sense why I would try to purchase a car in Arizona they told me that they belong to me and that they could not help me thats why I know I want proof that I did consent to these and that I signed up to run my credit

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 2019-04-16
Company: Experian Information Solutions 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:
There was an account opened in my name in XX/XX/2014 at XXXX XXXX, before I was XXXX years old. There is also another account from XXXX XXXX that was opened. Both of the accounts are fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account. The last account is XXXX XXXX that is being reported twice on my report, one as negative and one as positive and paid with the same account number. I disputed this account also, with no response or validation sent for the account. Last, I asked for validation for the collection debt from XXXX XXXX twice and still I have not received anything that attaches any of these debts 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 2019-04-16
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in bankruptcy and paid it in full but i paid my mortgage company XXXX while in the plan and they wont provide proof of how my funds where paid to my mortgage and i wrote 2 QWR to them and they told us that they dont have that information and they also sumited 2 claims saying that we didn't make certain payment and i know they have stole money from us

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019 I received an email alert from XXXX XXXX notifying me that XXXX XXXX XXXX had charged my credit card for an UNAUTHORIZED amount of {$200.00}. But when I called XXXX XXXX ( the issuer of the credit card ) to inform them that this was a fraudulent charge, and that XXXX XXXX XXXX was stealing my money. They told me I had to contact XXXX XXXX XXXX and request a refund or wait until the charge actually post to my account and then file a dispute. WHAT? So in other words they told me I had to first wait until XXXX XXXX pay the thieves, then I had to call and ask the thieves for my money back. And if the thieves didnt give my money back, I had to contact XXXX XXXX a second time and dispute the stealing. This is absolutely terrible and totally unacceptable. How can a bank or any other company create a procedure like this? Whats the purpose of receiving alerts about fraudulent activity on my account if the bank much first pay off the transaction before I can dispute the fraud. The Consumer Financial Protection Bureau must make banks change their policies in order to better protect consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX  # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. 

failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 explanation
Consumer complaint received 2019-04-16
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:
On XX/XX/2019 a hard inquiry was placed on my credit report by XXXX in which I have been with the company for a year already. In no time did I apply for any services with them on XX/XX/2019 because I am a customer already. I have spoken to XXXX and they confirmed that they did not run my credit at all on the day of and would not just run my credit for anything. I feel my social security number was compromised and when I spoken to transunion about this issue they said nothing could be done and that the inquiry would stay on my report for two years. And this is why i am fighting this problem now. If you see anything that you do not recognize please investigate it until it gets 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 2019-03-22
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: Problem with personal statement of dispute

Complaint:
Emergency room visit year XX/XX/2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/2012 so they added it to my report as new split into two of {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently paid off a mortgage loan with Freedom Mortgage. Freedom mortgage charged

me for 11 payoff statements in the course of 4 months. Several payoff statements in the same day at {$30.00} each for a total {$330.00}. I called to complain when I received my mortgage statement that it was excessive and there is no reason to charge me for multiple payoff statements in one month and multiple in the same day. They really could care less. They have my money and the loan is paid in full. I want my money back. I am good with two payoff statements, maybe even three. But, the gauged me and I have no recourse with them.

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 2018-02-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have a rebate card issued by XXXX for {$930.00} and the card is issued through wire card service ( citi card ). according to Wire card service they sent the rebate card to me on XXXX XXXX XXXX but I never received the card. Upon enquiry, they did an investigation about this and found fraud activity. someone else used that card in XXXX, XXXX XXXX, TX on XX/XX/XXXX. Then they sent me another rebate card on XX/XX/XXXXXXXX that card also I did not receive. When I called the company, they said they are going to do another investigation on this. 
After investigation they found someone used the card on XX/XX/XXXX in XXXX # XXXX, TX for the full amount of XXXX and they said they couldn't find any fraud activity on that.and they are not replacing the card to me. 
I called the company and asked them how they reached in that conclusion of not replacing the card? what is the result of the investigation they did? 
How they reached the conclusion that there is no fraud activity happened? 
They did not answer for any of my questions. they just said they closed the case. 
I want to know how the company reached a conclusion that they are not replacing the rebate card which I never received. also I want to get my rebate card as soon as possible. 

XXXX card No. XXXX used in XXXX # XXXX, TX for {$930.00} XXXX Card No. XXXX used in XXXX XXXX, TX for {$930.00} Thank you

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 2021-06-09
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted SEQUIUM ASSET SOLUTIONS. I provided my information I asked was this for because I don't have any accounts or utilities under my name they refused to assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: BARCLAYS BANK DELAWARE
State: FL
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 enter into a Trial for 2 products with the Merchant XXXX XXXX XXXX for which I paid {$4.00} and {$5.00}, respectively as shown on Credit card statement and for which i never received an email confirmation or receipt. The product was shipped on XX/XX/XXXX and arrived the first week of XX/XX/XXXX. 

Since i did not like the product neither received any confirmation of my Trial I thought there was no Trial. 
On XX/XX/XXXX appears on my credit card a second order with two additional charges for two more products {$88.00} and {$89.00} respectively from XXXX XXXX XXXX each dated XX/XX/XXXX. The same day I called Barclays, my credit card company and customer service instructed me to call the Merchant but still opened a dispute closed the current card and open a new one. 
I called the Merchant, canceled the shipping, the Trial and ask for a refund for the charges. I was told not to worry i will have to wait 10 days for my refund. To this date XXXX XXXX this refund was never issued. 

On XX/XX/XXXX, I received a letter from my Credit Card Company ( XXXX ) dated XX/XX/XXXX stating that they investigated and concluded " ... The merchant provided shipping details that shows the merchandise was shipped and delivered ... '' The documents show the order on XX/XX/XXXX and a shipping on XX/XX/XXXX Which means the order made on XX/XX/XXXX was shipped on XX/XX/XXXX, therefore they accepted the charges. ( they did not look at the dates and year discrepancy. Its impossible to ship an order that is not even made yet ). 

On XXXX XXXX I disputed the investigation and sent a letter explaining the facts and making note that the order was not the same and the Merchant was referring to the First Trial order I made, not the second order which I canceled before the product was shipped. 
I spoke with XXXX on customer service from Barclays and explained the mistake on the dates and he opened the dispute again understanding that I was right. A shipping date appears to be before the order was made. 

On XX/XX/XXXX I received a letter from Barclays saying that after a further review they are not able to assist me on this credit due to " Services were rendered and the merchant is due payment '' which is not true since i never received the Merchandise and the Merchant XXXX XXXX XXXX  can not provide proof of shipping of this second order because it was never shipped and/or received. 

I have been trying to contact either Barclays Credit Card and XXXX XXXX XXXX with no success after 1 hour on hold with both.

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 2019-04-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account from XXXX XXXX that was opened without my knowledge. The account is fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account.

Company response to consumer: Closed with explanation