BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: NV
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 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 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 2020-03-27
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: Information belongs to someone else

Complaint:
I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my 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 2022-01-09
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:
Dear Sir or Madam, I checked my personal credit report on XXXX XXXX  which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/2021. I will attach a screen shot of it on my file from my XXXX XXXX account. I had called capital one late in XXXX  about this matter and was assured this would be handled as I do not have any new credit cards with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receive a call stating that they are trying to collect a debt that isn't mines. I never received any services from this place of business and made this aware to them that this is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: JPMORGAN CHASE & CO.
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 am not liable for this debt with JPMCB CARD. I do not have a contract with JPMCB CARD, they did not provide me with the original contract as i requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: JPMORGAN CHASE & CO.
State: FL
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:
XX/XX/2020 my wifes purse was stolen from the vehicle. Among items Stolen was a Chase credit card ending in XXXX. My wife called Chase to cancel the card ASAP. The thief used the card within 30 minutes at Best Buy to make a {$1400.00} purchase. I dont understand how since on the back of the card it says SEE ID! When my wife cancelled the card she was told not to worry about the charges. 
The cancellation was confirmed via letter on XX/XX/2020. On XX/XX/2020 we received a letter that Chase completed the investigation and found that we are responsible for the transaction because you received a benefit from this transaction. We emailed back Chase ( because theres no way to contact them over the phone ) with the Police report we filled. The perpetrator is a XXXX  XXXX XXXX  male and my wife is a petite XXXX. We sent them the deputy info with the case number. 
On XX/XX/2020 we received a 3rd letter that Chase reviewed the fraud claim again and found that the transaction is valid. I dont understand how they can claim the transaction is valid when it wasnt performed by anyone authorized to use the card nor sign for it?!?! 
In addition, Chase provided this to the credit reporting agencies and warned us that it may not be reflected accurately. They stated they closed the fraud claim and assured us they researched the fraud claim thoroughly. How did they do that when they didnt contact the deputy in charge of the case. We have the email we went chase at the email indicated by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 accidentally used my XXXX XXXX bill pay to pay a closed account instead of our open credit card through Capital One. The Capital One website shows my payment of {$1600.00} on XX/XX/XXXX as well as my XXXX XXXX checking account. XXXX XXXX and myself have contacted Capital one and they state they dont show the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account is being handled by Clark County Collection Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, XXXX. The issue is not with the collection agency who have been nothing but professional to this point but with their client. 

The debt is a medical bill which was submitted to collections XX/XX/2020 from XXXX XXXX. The debt was a patient responsibility in the amount of {$210.00}. 

Prior to submitting the debt to the collection agency the creditor illegally inflated the debt by {$110.00} which was intended to cover the contingency fee Clark County Collection will charge upon successful recovery of the debt ( contingency fee of approximately 53 % of recovery ). This fee is a cost that the original creditor must absorb and charging it is in violation of Nevada and Federal collection laws. 

There is no signed agreement between me and XXXX XXXX   which allows for cost of collection and even if there were it would only allow for legal fees if the account is litigated under state and federal law. As such the creditor has illegally inflated a debt for the purpose of offsetting the cost of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}

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 explanation
Consumer complaint received 2018-04-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan payments had been around {$340.00} a month for several years and without notice in XX/XX/2018, the payment went up to {$720.00} a month. 
I called AES to ask my options and see why the increase occurred. They explained that I was paying interest only. I asked what options there were to lower my payment as I was unprepared to make that payment. They said that I had no more options available. They suggested that I try to consolidate. By the time I found a bank to consolidate with, I was so far behind in payments that I could not consolidate and I was receiving threatening letters and phone calls that would ruin my credit, garnish my wages and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Pangea Universal Holdings, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I tried sending money through Pangea Money Transfer for {$290.00} + the fees. Its been over 4 days and my transfer has not received in XXXX. I have been calling repeatedly to Pangea and they havent been doing anything to get my money transferred to XXXX. I have requested call back from a manager couple of times and no one is calling back. I have exhausted all the resources to get my money back. Transfer ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX, and XXXX were all contacted by me ( XXXX XXXX ) to inform them that XXXX had reported a fraudulent account under my name. I've made it very clear that this account does not belong to me. XXXX is fraudulent reporting that I opened a loan with XXXX in XXXX for {$60000.00}. First, I did not open any loans with XXXX in XXXX or any other year. Second, XXXX could XXXX provide me with any documents to support this loan ( because it is fraudulent ). Third, I've never applied for any loans for any amount even close to {$60000.00}. I told Equifax, XXXX, and XXXX that this loan does not belong to me. Equifax claims to be doing an investigation on this matter but when I logged into my Equifax account today ( XX/XX/XXXX ), I noticed that Equifax has modified the fraudulent loan information instead of deleting it from my credit report as requested by me. Equifax has changed the fraudulent loan amount to say " XXXX = XXXX ''. These are all approximate numbers but Equifax is suggesting that I took out a loan from XXXX at {$60000.00} which was paid down to {$35000.00}. This information is false and fraudulent. To date, Equifax, XXXX, and XXXX have not deleted this fraudulent loan from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-22
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: Public record information inaccurate

Complaint:
After reviewing my credit report, I found numerous inaccurate names, address, aliases, and addresses that do not belong to me. I want to ensure that you only retaining and reporting true, current, and accurate on my credit report per FCRA regulations and demand, as my lawful right, for names and addresses other than what is listed above and below to be removed immediately as it is not accurate and untrue. 

PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After you have completed my request, please send me a copy of my credit report reflecting these changes. 

Thank you for your urgent response in this matter. 


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 2018-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After going through my credit reports and seeing multiple accounts from XXXX XXXX now owned by Portfolio Recovery, I requested validation on XX/XX/XXXX which was replied to in a letter dated XX/XX/XXXX. During this

time Portfolio Recovery was still aggressively trying to collect on these accounts which contradicts FDCPA 1692g. From that time Portfolio Recovery calls multiple times a day from multiple numbers with no regard to my request that all communication be done through mail. When I did call back the person I spoke to was not interested in anything I had to say but just kept repeating the same line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Incomm Holdings Inc.
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023, I purchased four Vanilla gift cards from a XXXX store. {$500.00} was loaded to each one of these four cards as evidenced by the XXXX receipt. However, one of the cards couldn't get through the first swipe later on. When I contacted Vanilla gift card center, the customer representative told me that the system record indicated that the card was compromised since it was activated and loaded {$50.00} by someone around one month before I purchased it. The customer representative said that a {$50.00} card would be sent to me later on. I explained that I loaded {$500.00} not {$50.00}, but the Vanilla customer representative insisted that their system record showed otherwise, and I could only receive {$50.00}. Two weeks later, a {$50.00} Vanilla gift card was mailed to me which I refused to accept. 

Due to the XXXX 's purchase amount restrictions, I made a separate transaction for each card. So, I have four XXXX receipts, one for each of the four gift cards. I am not sure which receipt refers to the compromised gift card, so I attach all of the four receipts, the compromised gift card, and the {$50.00} gift card that Vanilla later sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: DE
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$80.00} ; XXXX  XXXX Balance {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions Inc.
State: AZ
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 disputed the balance several times and have included documentation showing a payment was made and cleared my checking acct for the exact amount the creditor is showing as balance owed.

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