BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: CORELOGIC 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: Personal information incorrect

Complaint:
I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XX/XX/XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH 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 2019-05-18
Company: FACTUAL DATA CORP.
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 been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This past summer I signed up online for a credit card with Chase Marriott and I was supposed to get a XXXX point bonus that required {$4000.00} in spending. I spent over {$4500.00} within the next 3 months fulfilling the conditions. When i called to say i never got the points, Chase Marriott said that i signed up for a different promotion where i needed to spend {$5000.00} and would receive XXXX points. I would have been glad to get this promotion but its not what i saw or what i signed up for. I asked them for proof of my signature, but they said they dont have it.Obviously their computer system mistakenly shows that i had a different promotion and they are refusing to fix it. I wish i had taken a screenshot of the promotion.I suggest that others make sure to do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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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 2020-05-02
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:
Recently reviewed a copy of my credit report and found fraudulent accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
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:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my reportXXXX XXXX {$5000.00} USDEPED XXXX {$5100.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Ive been a victim of identity theft

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 2020-09-24
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My name is XXXX XXXX and on XX/XX/XXXX my relicard account was switched To inactive. Id only been aware of it because I tried ordering food and was declined multiple times. Id been told that due to me changing my address I needed to send in my State ID and a piece of mail that had both my name and address. Thursday of the following week I sent in all the items they needed and was told to give them five business. They also said I could check in sooner because its possible it could be done before that. 5 business days go past and still theres no difference in the account. Ive waited for hrs and Ive talked to multiple different customer service reps and they give me the same answer. Ive been without my funds for 2 weeks now. There should be a better  process to things like this. This is wrong.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 receive a bill from XXXX XXXX XX/XX/XXXX with charges that I did not make. I advised XXXX XXXX that the charges were not mine. XX/XX/XXXX, I received an email from XXXX XXXX stating they updated my address. I call the number on the email to advise that I had not moved and sent proof to the address that was given to me that I still lived in Virginia. I did not get another bill nor did I get a response, which led me to believe the account had been correctly updated to show that I did not make the charges. XX/XX/XXXX, I received a notice that XXXX XXXX XXXX XXXX XXXX that an account was overdue with XXXX  XXXX and a warrent in debt delivered to me.This was the first time that any information was given to me regarding the accumulated debt. Up until this time, I assumed that the original claim that I made XX/XX/XXXX had been updated to reflect that the debt was invalid and not mine. I looked over the documentation to discover that bills and documentation was being sent to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. I NEVER lived in XXXX. This address is printed on the billing statement. I began to research the address to see who used this card in my name, I was told that I had to appear in court. The court date has been changed twice due to the COVID-19 pandemic. I spoke with a representative with XXXX XXXX XXXX advising of the incorrect address and that I had proof of my legal address in Virginia. I explained that these charges were not mine and that i never received any billing until I received this notice to respond in court. I have lived in XXXX Virginia for over 30 years of my life, with proven track record of utility, driver 's license, continuous employment in the state of Virginia. I have been on my current job for 21 years. XXXX XXXX advised me to take the steps to report this fraud so that they can remove it from 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 2020-06-23
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a debt collector contact me that wouldn't Identify herself that was trying to verify old addresses for over 7 years back. I had to argue with her for her to identify that she was trying to collect a debt from sprint. The debt is more than 5 years old but it brought my score recently down 75 points as if it was brand new. Is That legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2015, I was injured in a work related accident. I was taken to the hospital for treatment. I told the hospital staff that there was a piece of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX area. The hospital staff disagreed, XXXX XXXX XXXX, and sent me home. A week later I returned to have the XXXX XXXX, and again informed them that there was a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They again disagreed, told me that the XXXX that I could feel was just a XXXX, and refused to further investigate. The following week the XXXX  had significantly diminished, and I was still living in pain from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I returned to the hospital a 3rd time, and they finally took XXXX, and found an 11.5 mm  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They XXXX XXXX XXXX, XXXX XXXX XXXX, and sent me home. The entirety of the treatment was to be covered under workman 's comp. 13 months later I became aware of a debt collection for {$240.00} that originated from the imaging department of the hospital on my credit report. I have called the hospital and the collection agency numerous times and informed them that this was to be paid by workmans comp, and gave them the contact information for my workmans comp   representative. When that failed to garner results, I disputed this debt with the credit reporting agencies numerous times. To date, the debt still remains on my credit report from at least on reporting agency.

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 2021-10-14
Company: Synergetic Communication Inc
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have an auto loan originally with XXXX that has now been charged off and closed for {$15000.00}. I contacted Synergetic communications and spoke with a manager name XXXX and I had XXXX loss recovery rep on the line as well within this conference call. I told synergetic manager that I want them to delete my financial information originally I gave them as a payment agreement that I set up initially a day prior to get this debt resolved and to have credit updated ultimately in the end. Upon me finding out that Synergetic doesnt do credit reporting., I then preceded to tell them to cease and desist calling me and send account back over to XXXX for me to work directly with them because they are the original creditor and who I actually owe. I tried to make arraignments originally with XXXX in the past but I wasnt able at that time due to XXXX XXXX and no longer working. I and the XXXX rep was told by Synergetic supervisor XXXX that they ceased the calling and communication on the account and that it depends on when XXXX pull the account back which they never will, and later finding she was somewhat lying. She also did not verify with me o. That call specifically if they deleted my financial information of my debit card that I had given them. After getting off that call the XXXX rep confirmed and verified with me that XXXX have closed the account and charged it off after reselling the vehicle and no longer proceeded with collection efforts and that Synergetic bought the debt from XXXX as a third party collection. She also stated to me that if Synergetic doesnt collect on debt that they would in turn sell the debt to another debt collection agency because XXXX is no longer involved and credit reporting may not even be updated even after payments made to third party collection agency because XXXX no longer report to credit bureau after account closure, write-off and debt selling of which I would incur problem with credit updating in the future.ed with this account by letting me know ultimately where I stand with XXXX directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I disputed the account XXXX XXXX XXXX/XXXX  XXXX XXXX  act # XXXX with XXXX, Experian and XXXX and the fraudulent, incorrect information is still there. 
I do not know who XXXX  XXXX  XXXX/XXXX  XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX  XXXX/XXXX XXXX XXXX  They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX XXXX account XXXX with XXXX, Experian and XXXX  and the fraudulent, incorrect information is still there. 
I do not know who XXXX XXXX  XXXX  account XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020

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 2020-06-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I disputed the account XXXX XXXX XXXX XXXX XXXX act # XXXX with Equifax, XXXX  and XXXX and the fraudulent, incorrect information is still there. 
I do not know who XXXX  XXXX  XXXX/XXXX  XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX XXXX   XXXX XXXX  They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX XXXX account XXXX with Equifax, XXXX  and XXXX  and the fraudulent, incorrect information is still there. 
I do not know who XXXX XXXX XXXX account XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I discovered on XX/XX/2020 that Chase Bank closed my account with them. I called them and they can not and or will not give me a reason for doing it. I'm on XXXX and have my monthly check direct deposited in my checking account. Now with them closing my account I have no access to my money till my direct deposit can be change by Social Security which will take 2 months. I have spoken to several people who Chase closed their account also at the same time. So it has nothing to do with any of my banking transactions. This is wrong for them to treat a person on XXXX like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: CommonBond, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2016 I applied to CommonBond for refinancing my two XXXX XXXX Student Loans into one with a smaller monthly payment. I received letters from XXXX that they had taken over my loans from XXXX XXXX ( via CommonBond ) and got my new amount and payment information. 

Two years later I found out that there was still a balance owed to XXXX XXXX. My mother was getting the notifications sent to her junk email and told me about it a few months ago. She made a payment at one point, not exactly sure why XXXX XXXX still had a balance. 

For the last couple months, I have been talking to Customer Service at Common Bond and XXXX XXXX, trying to figure this out. I got in touch with CommonBond and worked with a rep named XXXX. We spoke back and forth for a few months. Eventually, she agreed that I should not have a remaining balance with XXXX XXXX, as Commond Bond should have paid all of the remaining balance when I refinanced ( I have our email conversations. ) So I told her that I would like them to fix the issue because they messed up when they consolidated my two loans in to one. She agreed and asked me to refinance again. I went to do so, but then she informed me that my payment cycle would reset. The problem with this is that I am now under a year away from removing my mother as a cosigner. I have never missed a payment or made a late payment and I do not believe it is fair that I should have to start over when they made the error in the first place. 

I called XXXX XXXX to get the exact reason and timing why Common Bond made their error. Here is what I was given : Common Bond paid the incorrect amount for both of the loans they were supposed to pay in full for my refinance. The amount due was {$28000.00} and they paid {$28000.00}, leaving {$620.00} on one. The other amount due was {$15000.00} and they paid {$14000.00}, leaving {$360.00}. They did not do their job in properly refinancing my loan. Where I should have {$0.00} left on XXXX XXXX and only one payment to make, I have been left with two loans like it never even happened. The amount has been sitting an accruing interest. XXXX XXXX also informed me that they didn't pay the amount until XX/XX/2016, even though I applied in XX/XX/2016 and was approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CCS Financial Services, Inc.
State: GA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Perfection Collection
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never any relationship with the following company : PERFECTION COLLECTION LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX At a former resident there was a alarm service monitoring contract with a company called XXXX XXXX XXXX. The contract with this company expired and I thought that would be the end of business with them. It was not, they sent several people to the house stating that they had to upgrade the equipment in order to continue to " monitor '' the house. Needless to say the equipment was never installed. I was in constant communication requesting that the services be disconnected permanently, staying on the phone for hours only for the representative to tell me that they could not verify my information. This debt is invalid simply because monitoring services could not be conducted on the equipment installed at my old house. Can either the original company or debt collection company provide an proof showing alarm activity and that they were able to provide monitoring services?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation