BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
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:
It is reported that I was 30+ days late on a Bill. On XX/XX/XXXX the company listed above charged me a fee of {$39.00}, prior to that day this account had a XXXX balance. 

On XX/XX/XXXX, I received a notice from a credit monitoring service that a delinquency was reported to my credit history by XXXXXXXX XXXX XXXX. I signed into my account with XXXX XXXX XXXX and observed that they charged me this {$39.00} fee which had a due date of XX/XX/XXXX. I immediately paid the balance. However, I never received a paper bill, an electronic bill, late notice, and/or a phone call that I had this balance with them. 

I contacted XXXX XXXX on XXXX XXXX and spoke with a representative and advised that I never received any notice of this bill. The representative advised that no bill was mailed or no electronic statement was sent. The representative advised a dispute would be put in to have the delinquency removed and advised it would take up to 14 days. 
On XXXX XXXX the delinquency was still showing so I followed up with XXXXXXXX XXXX XXXX and spoke with a representative who advise that the dispute was approved and should show removed. 

On XXXX XXXX the delinquency was still showing, so I contacted XXXXXXXX XXXX XXXX  again about the matter and was transferred to a supervisor. The supervisor advised that the dispute was denied. After providing all the above details to the supervisor, she advised that no notification was made because the email on file was not valid. I provided her with my email of XXXX, and she advised that email was the one they had on file. Also in the past Ive received previously from XXXXXXXX XXXX XXXX electronic statements. She also advised that someone attempted contacting me at XXXX ( my cellphone number ) on XX/XX/XXXX at XXXX pacific time ( XXXX central time my time ). I check my phone records and did not have an incoming phone call at that time. The supervisor advised that she would put in another dispute form based on the above information. 

On XX/XX/XXXX the delinquency was still showing, I contacted XXXX XXXX XXXX again. I was again transferred to a supervisor. The supervisor advised that the dispute was denied. I was instructed to mail a letter to dispute the matter. 

I am requesting an investigation into this matter and requesting that these delinquencies be removed from my credit history. Its apparent that an error occurred in regard to notify me of the bill, which I was capable of paying if aware of it, and I am paying the consequence of that error. I have never been late on any of my bills since being with XXXXXXXX XXXX XXXX  and Im willing to take this as far as necessary to have this removed because this is a very serious matter to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting 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 noticed that there has been multiple unauthorized hard inquiries and other accounts that have been opened that were not made by me. I think it is unfair to feel robbed out of my own information and it be appearing on my credit report inaccurately. I have attempted to contact the companies and credit bureaus to have them removed and they said that they need a police report of some sort but I have no idea who is doing this so therefore I am un-able to file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
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:
I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Checkr, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
about six years ago i live in XXXX XXXX XXXX got sick got behind went to court for what i owe XXXX XXXX put me on a payment plan... ..paid it off on the dates they told me to do i paid it off in full got the letter and the payment plan sheet how i paid it and this judgement is not on any of my credit report cause it paid in full thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Co-signer

Complaint:
Last year ( XX/XX/22 ) I inquired, over the phone with Navient, about releasing a cosigner on my loan. I was told that if I paid a lump sum to bring the loan current ( {$990.00} on XX/XX/XXXX  ), then go into a 12-month plan that required consistent on-time payments that would steadily increase in cost I would qualify for the cosigner release. 
The payment plan began on XX/XX/XXXX  and I paid on time every month. I can list every payment if needed. Afterward, I completed the 12-month plan and confirmed via, phone call, that I could now sign the cosigner release, I submitted the paperwork to release the cosigner and they denied the application. 
They cited a rule that had never been brought up nor addressed, saying that because I didn't have a specific graduation date in my information, they would not honor the cosigner release. This had never been addressed in any form when I spoke to them, on multiple occasions, via phone call, as a requirement. They simply told me to do the 12month plan and I would qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im having false charges from XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX With XXXX XXXX I had signed up through XXXX and the agreement was $ XXXX/month but after the 2nd month the cost/month was {$90.00} and we didnt agree to that amount I have equipment of theres Im willing to return as long as postage is paid and Im incapable of getting their dish off of my roof is the other issue With XXXX & XXXX we bought cellphones from them and had cellphone service where the rates were changed on us as well The amounts they have of what amount I owe is much higher than what it should be

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Experian Information 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: Information belongs to someone else

Complaint:
They have identity on all 3 of my credit report XXXX, XXXX XXXX, Experian credit reports. They are reporting wrong information. accounts I never opened. In know accounts. I am a victim of identity theft. Accounts open by someone posing as me. These accounts are not mine. XXXX XXXX XXXX, XXXX amount of XXXX XXXX XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX XXXX amount of XXXX. 2 accounts from the same company. account XXXX XXXX XXXX amount of XXXX. 2nd account XXXX XXXX XXXX amount of XXXX. XXXX XXXX XXXX XXXX amount of XXXX. These accounts I never opened someone posed as me to open these accounts! This is identity theft fraud. None of these accounts I have no knowledge of. 
I am willing to prosecute.

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 2023-09-06
Company: WorldRemit Corp.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I DID TRANSFER WITH WORLDREMIT TO DEPOSIT {$1000.00} IN XXXX XXXX TO TAKE OF MY ELDERLY PARENT ON XXXX DAY OF XX/XX/2023 AND THE MONEY WAS NOT DEPOSITED AS PROMISED DESPITE THAT THEY SENT EMAIL THAT THE MONEY IS DEPOSITED IN TO THE ACCOUNT. ON THE XXXX DAY OF XXXX, I CALLED AND COMPLAINED TO THE COMPANY. THEY REQUESTED THE BANK STATEMENT TO CONFIRM AND I DID AND SINCE THEN, I HAVE BEEN SENDING EMAILS AND CALLS BUT NO POSITIVE RESONSE THAN TO BE PATIENT WITH THEM. I SPOKE TO ONE MANAGER NAMED XXXX AND SHE PROMISED TO RESOLVE THE ISSUE THAT IT WAS THEIR LOCAL AGENT THAT CAUSED THE PROBLEM BUT TILL NOW MY MONEY IS NOT PAID OR REFUNDED BACK TO MY ACCOUNT. PLEASE HELP ME OUT.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
State: CA
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 have suddenly had an alleged medical debt posted to my credit reports with no notification. I have not been properly notified, and asked that the alleged debt be substantiated, and it has not been. My FCRA rights have been violated, because I was never notified of this alleged debt, or given a chance to dispute it. I also believe my HIPAA rights gave been violated by posting medical information to my credit reports, which is a public document. I dispute this information and feel my HIPAA and FCRA rights have both been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 my funds were removed out of my bank account. I filed a complaint and they refused to help me and said it was following the law and they must transfer my funds it was court order by the collection company during the stimulus relief package I received my funds and my child tax credit and the bank removed my funds and caused XXXX  XXXX. Recently I received a letter in the mail my account was in the negative and I disputed the charges and informed the bank of the error that caused me severe hardship with my XXXX children and sick mother. Furthermore, by law the funds are exempt from garnishment and offset even with a court order since it was federal advanced funds that was funding to help the economy during covid 19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: EQUIFAX, INC.
State: MI
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:
These accounts are fraudulent : XXXX XXXX {$190.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Several years ago I purchased a used vehicle through a car dealership and a finance company credit acceptance corporation and I surrendered the vehicle back to the finance company after having it for 1 month and I purchased the vehicle for {$3000.00} and and now the collection on my credit report says I {$7200.00} and it's stopping me from getting a home loan for me and my kids

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Grain Technology, Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
# 1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX SSN : XXXX | XXXX : XX/XX/XXXX Trans Union XXXX. XXXX XXXX XXXX, XXXX XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this letter. 


Sincerely, 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 2021-04-08
Company: Account Resolution Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, someone fraudulently withdrew {$1000.00} from my citi bank checking account. The person who did this, who is a stranger to me, distracted me while I was performing a withdrawal. I left the bank and went to a store and searched for my debit card and could not find it. When I checked my account, someone had withdrawn {$1000.00} from my account. I disputed this transaction 3 times already with my bank and they refuse to conduct a proper investigation and refuse to refund me my money.

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 2023-03-29
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am victim of identity theft by someone who apparently lives in Massachusetts. Addresses are now in my credit file from Massachusetts while I actually live in XXXX, Texas. This person has opened at least 3 credit card accounts in my name and with my social security number. Now, two collection agencies ( XXXX XXXX XXXX and Sunshine Credit Services ) are on my credit record trying to collect money not paid to XXXX XXXX. I have never had an account or purchased anything from XXXX XXXX. I am filing this report to make you aware of the identity theft and I have asked both XXXX and XXXX to remove these detrimental records from my credit file.

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 2019-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact this agency regarding items on my credit that are not mine. The first time I noticed something weird is when I applied for a XXXX account and was not approved. I then went to my bank who I have bank with for the past 6 years which I also have car loans with and they did not approve me for a personal loan. Please take these items off my credit. I have contacted my local police and the FTC. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Genesis FS Card Services, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a bill in the mail for a milestone credit card from genesis fs card services ( account ending in XXXX ). I did not apply for this card. I have not received this card and I don't want this card. Bill date I received was XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: LEXISNEXIS
State: AL
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:
I disputed the bankruptcy on the report. the bureau sent back and said it was validated/ verified so I reached out to the courts and the court said they do not provide information to the credit bureaus so somebody is lying.

Company response to consumer: Closed with explanation