BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
From XXXX, I filed a dispute with XXXX, XXXX and Transunion about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX account number XXXX. There are two different high balances being reported. {$31000.00} on transunion and experian, but {$22000.00} on XXXX. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you

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 2017-10-24
Company: Thunderbird Collection Specialists, Inc.
State: NC
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:
called office and spoke with XXXX to request my account number. She was rude, and asked " what do you want it for. '' This company has attempted to ruin my credit by continuing to re-age an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I lost my card during a major theft incident in XX/XX/XXXX. I was sent a text in between from chase to confirm a charge, which I reported that time, but I didn't realize that the credit card wasn't cancelled. Considering I have multiple credit cards even with chase, I didn't actively look into it after that. 

During this time, I accrued multiple charges from an apple account which doesn't belong to me and other sites. I was assured that these charges will be removed, but they only removed few charges on XX/XX/XXXX. When I called, they not only closed the case without informing me, but also reverted the charges on my account. I had to call to reopen the case XXXX  times and every time there was request for a new document ( Documents submitted so far : Police report, XXXX account details, XXXX family accounts, transaction history, etc ). 

Most recently, I was called by an agent who wanted more information which I provided, but again the case was closed without any further detail. 

Attached are generic case letters I received dating : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
From XXXX, I filed a dispute with Experian, XXXX and XXXX about the inaccuracy being reported on my credit report of the account XXXX XXXX XXXX XXXX  account number XXXX. There are XXXX different high balances being reported. {$31000.00} on XXXX and experian, but {$22000.00} on XXXX. How is this even possible when you're supposed to have the same accurate information reporting according to the FCRA. I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these bureaus about this inaccurate account as of today. Thank you

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 2017-09-27
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute on a charge XXXX ( XXXX ) made for {$380.00}. rather than the monthly amount of {$38.00}. I sent Citi a detailed notice and explained that XXXX charged for a whole year of service rather than the monthly amount which Ive paid that way for over 12 years. As Citi was taking its time to handle the dispute, I sent Citi payment to cover the amount of time used at XXXX. In the mean time Citi co-mingled the dispute I had with Home Depot ( who didnt make a credit on a refund even when I had the refund receipt ). The Citi sent me a letter stating the dispute with Home Depot was resolved in my favor but put the amount the dispute with XXXX was for. I sent them a letter requesting they clarify that resolution letter. They did nothing. Ive called them several times and sent them what they needed. However, they havent sent me anything in writing for some time or tell me the status of the dispute with XXXX. When I call them, they give me the run around and tell me to resend everything. Ive requested to get things in writing from them but they dont respond or do it. Its gotten to the point Ive had to put a freeze on the account. When I ask for a managers name or phone number they say they dont have one. And, that they will have to handle it in the order it was received. It was received four months ago and was never handled. They said they couldnt expedite this and do n't have a phone number for their expediting office. Theyve admitted they co-mingled the disputes but arent willing to do anything about it. They simply are just incompetent and when its brought to their attention, it starts all over again.

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 2019-08-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian will not remove incorrect names/addresses from my credit report after repeated calls and disputes submitted for this wrong information

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 2017-09-27
Company: Experian Information Solutions 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:
I have disputed and requested to have an item from the XXXX Bankruptcy Court removed from my credit report with the 3 CRAs ', most recently this month with Experian, and have received notice from each that the item was verified, is correct and can not be removed.

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 2017-09-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had a Personal Account in Santander Bank at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. XXXX checks were cashed fraudulently from my Bank Account on - check XXXX - XXXX/XXXX/XXXX - {$2500.00} check XXXX - XXXX/XXXX/XXXX - {$6600.00} check XXXX - XXXX/XXXX/XXXX - {$9000.00} check XXXX - XXXX/XXXX/XXXX - {$7500.00} Totalling {$25000.00} The bank did not inform me that they are cashing any of these checks, these big amounts were cleared without informing me by any means from my personal account, I came to know about whereabouts about my bank Account when I came to XXXX in XXXX, since then I am trying to recover my lost money but it has gone in vain. I am an XXXX citizen and did n't know what to do regarding this fraud as I am not aware about how things work in XXXX, recently one of my XXXX friend who lives in XXXX agreed me to help on this matter, and I am taking his help An Affidavit of fraud was filed with the Bank in the month of XXXX XXXX and an XXXX ( XXXX XXXX XXXX ) was assigned for the case but he was on a holiday till XXXX XXXX when I got hold of him and he is still not cooperating, he does not reply to his email and most of the calls I make to him go on voicemail. I want {$45000.00} back from the bank as I have had to face a loss of {$25000.00}, interest costs, the opportunity cost, mental stress and mental harassment from the bank. thanks

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 2017-09-27
Company: PENTAGON FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.

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 2017-09-26
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:
My husband and I submitted an investigation request to Equifax nearly two months ago. We have followed up twice, but have yet to receive a response from them. 

I am attaching a copy of the request we sent to them on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  as well as the Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 has all 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 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2021-12-03
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:
Cares act letter 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 2020-12-23
Company: Experian Information Solutions 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 status incorrect

Complaint:
Experian refuses to reinvestigate CFPB complaint XXXX dated XX/XX/2020 when I have provided factual based information showing that my XXXXXXXX XXXX  account is not reporting the same and not reporting accurately across all three bureaus as it should. I provided evidence in CFPB complaint XXXX with a word document that stated this. In the CFPB complaint XXXX Experian claims that they would consider my evidence but stated under their reponse that they can not reinvestigate because they are not sure that I submitted my CFPB complaint because I had no identification which is a stall tactic. I am the person submitting each CFPB complaint from the portal and have identified who I am each time submitting a complaint. ( I have enclosed personal identification with in this CFPB complaint to identify myself. There is no reason for an investigation to not be conducted. )

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 2019-07-16
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'm so embarrassed end upset because I checked my credit report because I'm looking for a new home. and again I see multiple items on my credit report that are not mine. I have reached out to the FTC and to my local police department. I am doing this on my own behalf and again these items need to be removed asap. XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX CARD, 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, Chapter XXXX Bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: NY
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 have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under XXXX XXXX XXXX for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I see things may be inaccurate. Start looking at the account name, opening date, date of last payment, date last reported, and account status.

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 2020-04-23
Company: FREEDOM FINANCIAL NETWORK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I engaged with Freedom Debt Relief in XX/XX/XXXX, which was the due date of my first monthly deposit of {$220.00}. It is now XXXX XXXX, 18 months later. 
I was told that this amount was sufficient to begin negotiation with the five credit card companies that I turned over. No worries about legal notices as they would have their legal representatives, which I was paying per month and did not realize, handle any suits. 
My impression was that they would contact each creditor, explain that I was making an effort to pay the debt by submitting {$220.00}. per month and they would make arrangements with these companies. 
In the 18 months I only received XXXX call regarding a settlement offer, which was to XXXX  XXXX XXXX. I agreed to the settlement not realizing that they would be paying them more per month than what I was submitting. My second big mistake. 
In XX/XX/XXXX, I received the first of two XXXX. I called to find out if they were in negotiations with either of these companies. " Of course. We will represent you in XXXX. '' Well, I called the companies and neither of them had ever spoken with Freedom. The largest of the two had just received information from Freedom the day before I called, XX/XX/XXXX. I called Freedom back and the response " They all say that. '' On XX/XX/XXXX the legal representatives for Freedom contacted me to let me know if I still wanted them to represent me in court I would need to pay XXXX XXXX+ more to Freedom. I have been living on {$100.00} per month for the last 18 months so have no idea where that extra monthly would come from. They had no alternative but to stop representation. 
My total debt in XX/XX/XXXX was {$14000.00}. The total submitted in 18 months- {$6500.00}. The settlement with XXXX  XXXX XXXX was {$3000.00}. Where did the difference of {$3500.00} go? 
Today I contacted both law offices handling the two suits to discuss my options. One with a total of XXXX+ agreed to settle the account for {$3000.00}. The other with a total of $ XXXX+ agree to settle for {$3800.00}. Just what has Freedom been doing for 18 months? 
I have until XX/XX/XXXX to settle these accounts. 
Freedom has not done their due diligence nor have they ever been helpful. Going into this I had excellent credit and only went this route to try and stay out of court. Now my credit is in the dumps and I'm looking at having 5 accounts in court, the possibility of loosing my house and automobile if I can not find assistance from family. The legal representatives even suggested bankruptcy, which isn't possible as the court would require me to sell my house. 
I am going to try to make these settlements on my own but am holding Freedom accountable to me for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CT
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:
Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ).

" ASPIRE aka ISL/XXXX  '' is a creditor as defined by 15 USC 1692a ( 4 ). 

" ASPIRE aka ISL/XXXX  '' alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

" ASPIRE aka ISL/XXXX  '' is a corporation whose residence is in the state of IOWA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to stop since XXXX of XXXX and XXXX of XXXX. 

" ASPIRE aka ISL/XXXX  '' has failed to supply any record of payment by me validating these claims of late payments from XXXX. 

As you can see my account was closed because of SUCCESSFUL ON TIME PAYMENTS for the duration of the loan and relationship with ASPIRE aka ISL/XXXX.

ALLEGATIONS/COMPLAINT : - '' ASPIRE aka ISL/XXXX  '' in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers and sold this alleged debt to a data furnisher without verifying its validity after I the consumer notified them in writing that this alleged debt was not mine and I was taking steps to investigate it personally. 

- '' ASPIRE aka ISL/XXXX  '' in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- " ASPIRE aka ISL/XXXX  '' in concert with the consumer data furnishers both have caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

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