BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-13
Company: Innovis
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: Personal information incorrect

Complaint:
I have a ton of errors on my credit report the I recently found. My name is incorrect on my credit report my name should be listed as only XXXX XXXX please delete any other names. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice. This security freeze request not only restricts credit bureaus and creditors but also future potential employers until I lift this restriction. The following addresses are not mines : XXXX XXXX XXXX XXXX  XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 explanation
Consumer complaint received 2020-01-13
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've tried many times to settle debts with Rash Curtis and Associates but they will not settle for any amount and continue to report negatively to my credit monthly. I ask to settle the acts reporting on my credit in XX/XX/2019 but they will only settle all debts including outdated debts from over 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the executor of the Estate of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX, deceased XX/XX/XXXX, duly appointed executor by XXXX XXXX, Washington, XXXX XXXX on XX/XX/XXXX. 
The estates papers showed the deceased had a bank account at USBank, Account # XXXX with a balance of {$36000.00} a/o the bank statement dated XX/XX/XXXX. 
Upon requesting access to the account, USBank informed the executor that the account had Beneficiary Designations signed by XXXX XXXX assigning XXXX of his daughters as account beneficiaries. A copy of the Beneficiary Designation was requested, but USBank informed the executor that would require a subpoena. 
A court-issued subpoena, specifically requesting " All documents showing beneficiary designations for any account held by XXXX XXXX XXXX '' was duly served on USBank 's legal representative in XXXX and in response, USBank produced some documents but no Beneficiary Designation document. USBank further claimed that it has now produced all documents that it has in its possession relating to the XXXX XXXX XXXX account. 
Absent the production of any document authorizing USBank to disburse elsewhere any funds in the XXXX XXXX account ( {$36000.00} per the XX/XX/XXXX, bank statement ), USBank should disburse those funds without delay to the 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 2023-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: NJ
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 noticed multiple accounts on my credit report that I dont recognize

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 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have sent several correspondences in regards to incorrect information on my profile. It has been well over 45 days.

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 2022-02-21
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Bureaus did not properly investigate my account with CHRYSLERCAP XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete and inaccurate. The 30 Days late is showing multiple times. This is damaging and irrelevant. Also, they payment status and the past due is being reported differently. I suggest that you should repair and update this account for legal and accurate furnishing. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
MyschoolloanwasthroughSallieMae.ThenIwasinwhatIthoughtwasaloanforgivenessprogram.NowsomeoneelsehasmyloanandSallieMaewillnottalkwithme.Thenewagencyhasattachedmywagesandkeepsmyincometaxreturn.IneverreceiveanythingsayingmyloanisgoingdownorhowmuchIstillowe.Ishouldofcompletedtheloanforgivenessbynow.Igraduatedin2001andworkforanonprofitwithchildrenwithXXXX.HowdoIgetthisloanforgivenandstopwageattachment?MyoriginalloanwasXXXX.Eachtimeitchangehandsitdoubled.WentoverXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
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:
Account name # : XXXX XXXX  act # XXXX Balance : {$1500.00} Date : XX/XX/2020 Account name : XXXX XXXX date : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX J.P.Morgan Chase Bank without any explanations closed my joint with my wife accounts. 
As I have been told by phone The Bank issued two Cashier 's cheques # # XXXX and XXXX, but sent them to the mailing address that I have been using for correspondence with the bank till XX/XX/XXXX. As since XX/XX/XXXX my banking statements and other mail from the bank were correctly sent to my home address in XXXX XXXX ( Attachment_01 ) such a mistake looks for me inexplicable. 
In XX/XX/XXXX I finally managed to file a Claim XXXX which was closed and reopened in April ( Attachment_02 ). During phone calls with constantly changing managers of Branch Complaint Escalation Group ( example could be seen in Attachment_02 ) it turned out that the only way to get my money back is to file a Declaration of Lost, Stolen or destroyed cashier 's check ( Attachment_03 ). The declaration concerns issues when check is physically lost or stolen and should be considered as a equivalent of sworn testimony in court and therefore must be notarized, in my situation in US Embassy in XXXX. 
The Bank forces me to make a false statements for which I have been already sent a blank declaration form twice ( see Attachment_04 ) by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
One of my credit card rewards is an annual {$100.00} travel credit for qualifying travel charges on the credit card. On XX/XX/20, I charged two travel expenses to my credit card for a total amount of {$60.00} and I properly received a {$60.00} travel credit on my next billing cycle. On XX/XX/20, I charged {$170.00} to my credit card for an XXXX car rental. Because I had already used {$60.00} of the {$100.00} travel credit, I should have been credited {$40.00} on my next billing cycle for the car rental charge. When the credit didn't appear on my credit card, I contacted PenFed Credit Union regarding the credit in late XXXX. I received an email from XXXX XXXX on XX/XX/20 confirming that I would be credited {$40.00} and I would need to wait one billing cycle to see the {$40.00}. ( I have the email for proof. ) I waited one billing cycle XXXX XXXX statement ) and no credit appeared. I then called PenFed Credit Union again and was verbally told that the credit was processed and to wait one billing cycle. I waited one billing cycle again XXXX XXXX statement ) and no credit appeared. I then called PenFed Credit Union for a third time on XX/XX/20 and vented my frustration with obtaining my credit. The representative assured me that my credit was coming and that it would be processed within 24-48 hours. When no credit appeared after 144 hours ( 6 days ), I called PenFed Credit Union a fourth time. This time the representative said that my XXXX car rental was not a " qualifying purchase '' and I was technically not due a credit. However, the representative indicated that the notes on the account show a promise to issue the credit and, thus, they would still credit my account the {$40.00}. However, I needed to wait a few more days to see the credit. At this point, I'm tired of dealing with their excuses and their lack of follow up. My issue was raised in XXXX and it's still not resolved after multiple unfilled promises by PenFed Credit Union and multiple follow up attempts on my part.

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 2022-02-21
Company: Nelnet, Inc.
State: MN
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: Didn't receive services that were advertised

Complaint:
I enrolled into XXXX XXXX at the XXXX XXXX location. I signed up for medical billing program around the year 2010. I was told I was approved for complete financial aid since I was a single mom and had no income. The grant was suppose to be approved for the program which was XXXX in financial aid. Then I found later that the school was closed permanently due to fraud. I tried contacting the school about my program and certification upon completion. It was unsuccessful, since then I have never received any notification about the closer or updatea about my certification they had promised and was unsuccessful finding a job. I also found out they have taken out not only federal loans under my name they also made extra personal loans which now I never agree or benefits from these loans. I am a victim of fraud from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Premier Student Loan Center
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was contacted by Premier Student Loans in XX/XX/XXXX about assisting me with loan consolidations and reducing my student loan balances and payments. They informed me that they could reduce my student loans so that I only paid {$5000.00} of the {$30000.00} I owe in $ XXXX/month increments. I paid their fee in 3 monthly installments and have been supposedly paying {$20.00} a month towards my loan balances since then. Today, I checked my loan payment history with XXXX and Premier has made NO payments towards the balance of my loan even though this {$20.00} a month was supposed to be paid to the balance of my loan. Today, XX/XX/XXXX I have made multiple attempts to email Premier to get my payments applied to my loan and the emails are returned as undeliverable. Their website is also " down for maintenance '' at this time. Due to not being able to get in touch with them, I have instructed my bank to stop all future payments and I intend to seek restitution for these payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: NC
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Incomm Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent to Vanilla Visa Gift Card at an e-mail address requesting replacement for two lost gift card on XX/XX/XXXX. I had also called them numerous times prior to this. I enclosing all the information that they asked for. I was told to send the first email to XXXX XXXX, 2nd to XXXX. I was told the first two email were wrong. On XX/XX/XXXX ; I called to get the status for case # XXXX, Vanilla Visa Gift Card stating that they didn't have the information. I was given another email : XXXX. I feel that I'm being giving the run around and that they do not want to paid for lost cards. The total amount is {$670.00} dollars. This is not an amount that I can just dismiss. They should not say they will replace when in reality they do not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically XXXX my life.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See attached

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 2022-02-21
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Merchants ADJ Services has placed medical bills on my credit report. Some of these accounts I have no knowledge of and I didn't give anyone authorization to even send my information to a third party. I haven't seen any contract stating that I gave them authorization to send my information to a third party. This is against HIPAA Laws. This has caused me so much XXXX because I'm trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Experian Information Solutions 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 company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}

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 non-monetary relief
Consumer complaint received 2023-08-15
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-03-11
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: Account information incorrect

Complaint:
XXXX account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. 
The account must be removed to show my true credit report. 
Please investigate and provide verifiable documentation of the : DATE of last activity, Outstanding Balance and the date account was charged off. 

XXXX  account number XXXX is reporting incorrectly. 
I request that this inaccurate item be immediately investigated. 
The account must be removed to show my true credit report. 
Please investigate and provide verifiable documentation of the : DATE of last activity, XXXXutstanding Balance and the date account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A closed FHA account by XXXX XXXX continues to appear as a negative account on my credit profile after I have brought this matter to the reporting bureaus ' attention. Since my initial complaints only minor discrepancies were corrected in order to avoid deletion, I assume, but the account remains inaccurate and delinquent and I would like it removed in order to avoid taking the issue to the FTC and the FHA complaint board. I have written many letters and sent out evidence and paperwork supporting the inaccuracies found within the month-to-month history, dates and amounts regarding XXXX # XXXX and I have received no resolution. As a result of my past disputes I have been harassed by XXXX XXXX with phone calls and letters asking me to stop disputing this with the CFPB. I have asked them to stop calling ; me as it is my right to dispute. I had no issues when I brought the same evidence via certified mail to XXXX  showing the difference of information which is misleading to my lenders and to my FICO score so what is the issue with XXXX  and Equifax? Please validate your investigation or otherwise delete the account immediately.

Company response to consumer: Closed with explanation