BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
An account was opened in XX/XX/XXXX, with Financial Recoveries in XXXX. XXXX, NJ for the sum of {$940.00}. This was included in a bankruptcy, case # XXXX, filed XX/XX/XXXX. Nobody from Financial Recoveries showed up for the 341 meeting of creditors to dispute and the debt was subsequently discharged in accordance with bankruptcy law on or about XX/XX/XXXX. 

Since that time, I have REPEATEDLY contacted Financial Recoveries to have the debt removed from my credit report as it still shows that it is in collections. They initially requested proof of the debt being included in bankruptcy. Verification had been sent repeatedly after repeated claims that the email never came through. I have repeatedly called to try and address this issue only to be given some XXXX  run around with no real answer. They have since stopped answering the phone. I have repeatedly disputed the collections account only to have it kicked back saying its valid. 

At this point I am contacting a lawyer to address this, and am filing a formal complaint. This agency is XXXX  and needs to be dismantled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
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:
Credit bureaus keep putting info on y credit and its past the 30 day period of debt on my credit. I sent proof That i lived in Florida. I submitted several report to credit bureau. I need this removed its hurting my degree. pleaseSubject : Request for Removal of Debt from Credit Report I am writing to bring to your attention a matter concerning an outstanding debt listed on my credit report, which I believe requires immediate resolution in accordance with consumer protection laws. 

According to the Fair Debt Collection Practices Act ( FDCPA ) and relevant consumer protection legislation, it is my understanding that debt collectors are required to provide proof of a debt within a reasonable period upon request. If a debt collector fails to provide this proof within the designated timeframe, it may result in the obligation to remove the debt from my credit report. 

As per my records and the information available to me, the debt in question has been on my credit report for a period exceeding 30 days. Despite multiple attempts to obtain proper validation of this debt, no satisfactory evidence has been provided to support its accuracy and legitimacy. 

I hereby formally request that you promptly provide me with complete and comprehensive documentation validating the existence and validity of this debt. This documentation should include details such as the original creditor 's name, the account number, the amount owed, and any other pertinent information necessary to verify the legitimacy of the debt. 

Please be advised that failure to provide the requested proof within [ a reasonable period, e.g., 30 days ] will result in the expectation that you remove this debt from my credit report as per the provisions of applicable consumer protection laws. I also reserve the right to pursue any legal remedies available to me should you fail to comply with this request. 

I kindly request that all future communication regarding this matter be in writing to ensure accurate documentation and a clear record of our interactions. 

Thank you for your attention to this matter. I anticipate your prompt response and resolution in compliance with the applicable laws and regulations. 

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate

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 2023-06-19
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-07-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank kept {$21000.00} dollars after my account was closed 2 years ago I have tried contacting them multiple times just to be given the run around and i am unsure of my options when it comes to fighting for my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: MIDFIRST BANK
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During a serious hardship, I was misplaced from my home due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The mortgage is in my name only, so I had to pay my mortgage by myself, while I stayed at extended stay hotels, additional expenses, until the divorce was finalized, then I could return home. Due to my ex not paying any marital debt, I had to pay all the bills. I needed help financially, I contacted the mortgage company for forbearance assistance, I was told not to worry that there would be assistance, instead I was given a 6mo repayment plan, much higher than the original payment amount, no other options and was forced to repay starting the following month. I agreed to the terms and paid accordingly, after the forbearance was paid off, I was hit with a 2 months late credit hit of XXXX XXXX and I had no idea that would occur. As well, I was told that I owed additional escrow since the repayment agreement plan amount of {$1300.00} ( started in XX/XX/2022 ) occurred before the escrow was completed in XXXX, which was added to that payment and the subsequent. So I dont understand how I still owe as much as {$340.00}, but there was no awareness until after the forbearance was paid off and they are still holding my mortgage payment, saying theres only a credit of {$740.00} which has not been applied, and I paid the amount due of {$1000.00} as the normal mortgage payment starting in XX/XX/2022. Not until that payment was made, did I get charged with escrow XXXX, taken from my mortgage payment, causing my account to appear a month behind, this practice is not fair to the consumer, paying the late fees is better than penalizing good paying customers for years, when they are already trying to avoid foreclosure and stay in good standing, I dont understand how that benefits the company to hurt its consumer financially by hitting their credit score.

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 2023-03-08
Company: GOLDMAN SACHS BANK USA
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
22 charges from XXXX - XX/XX/XXXX called them in early XXXX and today XX/XX/XXXX. They said it was a known scam and they would take care of it. Got an bill on an account I did not open called them and said their visa nothing they could XXXX me to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: WV
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 have disputed identity theft on my credit report multiple times. I have submitted police reports, fraud affidavit, FTC identity theft reports ... all to no avail. I have fraudulent inquiries from creditors which are also lowering my scores. They have told me they didn't " receive '' my documents, my documents weren't sufficient ... basically I've been getting the run around and my credit report isn't fixed. It is hurting me from getting a home and it isn't fair because it's IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
This is my 2nd 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 items : XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX. Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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 2023-02-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I contacted XXXX XXXX XXXX on XX/XX/22 to settle this account and was told that my credit report would be corrected if I paid the settlement amount which I did do ; however, XXXX did not keep their word and refused to make any changes to my credit report causing me great undue hardship!!

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 2018-05-18
Company: EQUIFAX, INC.
State: NJ
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: Information that should be on the report is missing

Complaint:
XXXX case number Hello, PAY ATTENTION EQUIFAX IS INSISTING I GAVE INFORMATION THAT IS WRONG BECAUSE IT DOES NOT MATCH THEIR INFORMATION. I DO NOT LIE I NEVER GAVE FALSE INFORMATION. I WANT THEM TO SHOW ME WHAT INFORMATION THEY THAT DOES NOT MATCH. NOW THEY SENT ME A SECOND REQUEST TO SUPPLY INFORMATION TO PROVE WHO I AM. 

GET THEM TO SEND ME THEIR INFO FIRST. I THINK THEIR INFO IS NOT MATCHING BECAUSE OF THE WAY THEY PULL IT FROM THE SYSTEM THEY PULL BY THE ADDRESS ALONE INSTEAD OF THE NAME AND ADDRESS. I LIVE WITH MY MOM I THINK THEY ARE GETTING HER INFO AND SAYING MINE IS NOT MATCHING AND IT SHOULD NOT IT IS MY MOMS INFO NOT MINE. I SAID THIS MORE THEN ONCE. I WILL NOT SUPPLY DOCUMENTS UNTIL THEY SHOW ME WHAT THEY CLAIM I AM GIVING TO THEM THAT IS FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 non-monetary relief
Consumer complaint received 2020-07-22
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:
XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company 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 2020-07-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently went online to the Equifax website and as I was logging in I got till the end of login page it gave me a number to call I called the number, it ask to enter in all the correct information as I entered in all the correct information it told me that it would send a code to my phone the code never came, so it sent me to a questionnaire that had nothing to do with my report information/all information was wrong and incorrect so then it sent me to an agent as I spoke with the agent the agent told me that he couldn't do anything until I send in my 3 pieces of identification. When at the end of the day it clearly verified me over the phone and said it was going to send a text message to the phone on file which is my primary phone number my initial reasons for even going online was too dispute some items, I'm pretty skeptical about Equifax and sending them my information because it was stolen/ breached from this company in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: AES/PHEAA
State: CA
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:
In regards to XXXX XXXXXXXX XXXX : I made multiple attempts to find out what happened to {$640.00} of payments to my account since XXXX and its now XXXX and still no resolution and now threats of negative credit reports. I am now contacting the California XXXX XXXX, My state senator, and the XXXX 's XXXX. XXXX XXXX is extremely incompetent and should not have any control over student outcomes regarding such an important aspect of our lives. Basic accounting skills, payment paid then credit to the correct account? Not so simple XXXX XXXX. It is a distraction from XXXX XXXX, but it's ok at some point they will have to account for where my $ is and correct their multiple multiple errors. They really should look into there hiring practices ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: CITIBANK, N.A.
State: CA
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 customer service

Complaint:
A charge to my Citibank account was made early 2020. It was for a flight to XXXX Ga, to cover the XXXX XXXXXXXX XXXX as a XXXX. This was a XXXX XXXX, transportation was paid for by my employer. ( They reimbursed me for the fee ) Covid-19 cancelled the tournament. I told Citibank the airline was refunding the fee, but the money had to go to the bank account on file. I talked to Citibank 3 times during the process, they said it would be taken care of. In fact, on the third call, Sunday, XX/XX/XXXX the rep from Citibank said this would be taken care of in three business days. Nothing. Today, XX/XX/XXXX, the company said it's not their policy to send back money, they reimbursed my account, end of story. It's not my money, it's not their money. They either lie to their customers to get them off the phone or chat or every rep is ignorant or a liar.

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 2022-12-16
Company: EQUIFAX, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, 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:
I have been so patient with Equifax but it seems they are just neglecting my request of removing the items I asked them to do. Some items were not related to me and some of the furnishers were not authorized. I would like them to be removed immediately if no proof is provided. 
Incorrect addresses : 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 XXXXXXXX XXXX XXXXXXXX Employer : XXXX Charge off : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX  XXXX Balance : {$1500.00} Inquiry : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation