BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: AVANTE
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I was called from the number XXXX and the person I spoke to informed me they were calling regarding an unpaid hospital bill from 3yrs ago. I asked for more information and the collector started yelling at me asking if I was going to pay or not. I was simply trying to understand because this bill was supposed to be taken care of by workers comp and my insurance. So I was very confused. I had not been receiving any notices or bills in the mail regarding this debt. I asked to speak to someone else because he wasnt listening or offering any additional info or clarification about the debt. He then yelled at me I was just going to waste their time and he was noting in my account I was refusing to pay and hung up on me. I called back and spoke to a woman and told her what happened and she then hung up on me. I called back a 3rd time and spoke to a man named XXXX and he explained everything thoroughly and we were able to get to the bottom of it. He pulled the recording for his manager to hear and I hope that they will actually take action against that individual and it wasnt an act. I feel like it was a bait and switch / good cop / bad cop kind of situation & very manipulative. These should not be standard or normal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX I sent TransUnion a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because TransUnion sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of TransUnion removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The addresses that follow do not belong to me, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX and 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 explanation
Consumer complaint received 2018-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been the victim of identity theft the following accounts were not opened by me : 1 ) XXXX  Acct # XXXX 2 ) XXXX  Acct # 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 2021-02-04
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report that I contested with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, 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:
Completely Irritated with Equifax! I have been trying to log into myEquifax account and information is Blank. 
I was able to visually see some data by " pretending '' to file these disputes directly with them. 
I am submitting these with attachments for Correction Again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and needs to delete right away : XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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 2023-11-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint has two parts : 1. I found that I am a member of Amazon Prime. even though I don't make enough purchases on Amazon to justify spending for this service. I canceled my Prime membership about one month ago. 

2. I have an Amazon credit card from Synchrony Bank that I used for purchases about once or twice since Synchrony claimed that I would get a discount by doing so. I then began receiving requests for payment, which I expected. I responded each time by paying in full. I stopped using the credit card when I noticed that monthly requests for payments continued, even many months afterward. The amounts appeared to be somewhat arbitrary, ranging from 35 to 50 dollars monthly. I finally called Synchrony Bank on XX/XX/XXXX to request an explanation. They responded that the charges were for Prime membership and for interest charges. Ideally, I would like to receive a refund for the amount that I overpaid and that these monthly requests stop.

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 2021-11-02
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was recently incarcerated from XX/XX/2021 to XX/XX/2021 and upon release I found out that my US Direct Express Card that I had previously lost was used fraudently during the time of my incarceration, immeadiately after release I contacted US Direct Express and notified them. I filed a complaint with a representative and had a form sent to me, it took several attempts because I could not access my account in which I had to do two verification. However on XX/XX/2021 I was able to submit the Dispute Form, my discharge Paperwork proving that I was discharged from the facility and it was successfully faxed to the dispute team on XX/XX/2021 A set of transactions were accepted and a set were declined. The set that were declined exceeded 120 days of being reported. However I was incarcerated and unable to report these. I am very sure there are protections for individuals who are incarcercerated and vicitims of fraud while in jail. I called US direct express early XX/XX/XXXX in the AM. The first representative transffered me to a supervisor, and after waiting 30 minutes I hung up, the wait the second time I called back was 20 mins. The third time I called back I was immeadiately transferred. The supervisor XXXX almost did not want to deal with this issue she said the claim once closed would not be reopened at all. However based on the dates of the transactions it is clear that the transactions were denied based on the 120 reporting dates of the terms and conditions with US Direct Express. Are there any protections for individuals who are incarcerated? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: CO
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I have sent Experian consumer credit reporting agency 3 letters explaining that 20 addresses, all phone numbers were all outdated. They deleted the phone numbers, and added them back on to the report. They deleted only 2 of 20 addresses. I explained to them of all the names they have for me, I only use 2, XXXX XXXX, and XXXX XXXX XXXX. I told them I despise the middle name, and don't use it at all. They changed my name to XXXX XXXX XXXX, even added the full middle name into my account name with no way to edit it. However, they haven't deleted the other names. I asked them to send by mail the method verification, and a certificate of validation, as well as all communication with original creditor. I had already contacted the people with the student loans, original creditor, and the ones who purchased the loan, and taken care of it. Experience has not investigated any of the debts, or sent proof. Yet they're stating these student loan debts are valid. One of the collections is now listed as closed, yet a brand new collection from the same company is also showing up. I was never notified of this company sending the information to a CRA either ( not the first time, or the second time ). I am supposed to be given an opportunity to direct the information, which was not done. Experian hasn't sent what is required to be showing this stuff as valid. The credit reporting agencies have a duty to report only accurate information. Only the names used should be showing, and no one can have 18 addresses. I'm going to sue them, but this is my record keeping submission. I have kept copies of all my letters sent to them by guaranteed delivery.

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 2023-11-05
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied in XXXX through the federal government for the safe income driven repayment plan I sent via USPS XXXX and through their website, written and electronic correspondence, and received no contact They have been overcharging me and month two months. This is not commensurate with my filing information or my wage income. 

I then proceeded last week, apply and resubmit the federal income driven repayment plan under the save provision and Im still being billed an incorrect amount by Nelnet The app is not working, requested electronic assistance and received no relief

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried refinancing an existing mortgage to lower my monthly payment with Quicken Loan. It was scheduled to close within 90 days which was XX/XX/2021. I submitted all documents on a timely basis. I received a call on XX/XX/2021 informing me that my application was denied due to a change in a new law that affects investment properties. 
As a result, my application was being denied. 
On XX/XX/2021 I received a letter by email from XXXX XXXX XXXX, Mortgage Banker that my application was denied due to failure to provide outstanding documents. My lock-in rate is lost and now I am left to start this process all over with a different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/XXXX I checked my credit report and I noticed a collection account was place on my credit report. I did not recognize the information shown in my report so I contacted the company by register mail on XX/XX/XXXX demanding verification and validation for the unknown account ( XXXX ). but my attempt was ignore, I did not received proof that account is valid or mine, I even waited more than the the 30 days they are allowed to respond ; by not hearing from the company I decided to try again and ask for verification and validation a second time on XX/XX/XXXX but I found the the same results. Once again the company chose to ignore the letters I send them knowing they were received and signed by them on XX/XX/XXXX and XX/XX/XXXX. This is damaging my credit and is been hard for me and my family to obtain credit. This is my last attempt to resolve this issue and have the company delete the defamation they placed on my report. This is the last attempt before I take this to the small claim court. I have noticed the company had violate several federal laws for this I will be seeking compensation for the damages and violations caused by the erroneous reporting they have reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In the beginning of XXXX I opened a business account but it was closed a few days later. On XX/XX/XXXX a check was mailed but I never received it. On XX/XX/XXXX I called to see where the check was I was told it was lost and another would b sent out and it would be expedited. On XX/XX/XXXX I called chase because I didnt receive a check I was told they had to investigate and make sure I didnt cash it and that they had to make sure it was lost. XX/XX/XXXX I called chase because I didnt receive my check the issue wasnt solved they hung up on me. XX/XX/XXXX I called about the missing check and I got 0 results. The check is worth {$2000.00} will I receive my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: CA
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:
Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request.

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that Experian and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with Experian and seeking its removal from their credit report under the Fair Credit Reporting 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 2021-10-06
Company: EQUIFAX, INC.
State: MD
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/2021 I sent dispute to all 3 bureaus for XXXX information them that XXXX was in litigation and was deemed a predatory lender with proof of this information. Also I previously sent a dispute showing how they are reporting different last active dates with all 3 bureaus and have re-aged this debt which a major violation and they refuse to remove this erroneous and inaccurate information. According to the FCRA the bureaus are required to report accurate information on my credit report and they still refuse to do so for XXXX  if needed I will file a civil suit with a Consumer attorney because I am being treated unfairly as a consumer with your reporting. Please remove this account permanently from my report. Attached please find my previous dispute along with proof of the litigation from XXXX. I have also attached my Driver 's License as well as my utility bill for proof of identity. Please consider this my written authorization. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX - XXXX XXXX Balance - XXXX  XXXX XXXX  XXXX : - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXXy : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX CO XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX AV XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2023-04-01
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

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