BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX XXXX I was sued for {$2500.00} on a hospital bill. The company of Works and Lentz garnished my paycheck starting in XXXX XXXX for 25 % of my biweekly income. The garnishment stayed in place until the it was paid on XXXX XXXX, XXXX. I received no notification from Works and Lentz that there was a {$28.00} interest charge due on the account after this time. On XXXX/XXXX/XXXX my check was garnished {$310.00} from Works and Lentz and when I called to see why, I was told it was due to this {$28.00} interest payment that was " left over '' and that once the payment from my employer was received the garnishment would be release immediately. I called on XXXX/XXXX/XXXX and was advised that the {$310.00} payment had been received from my employer, but now it would take 7-10 business days to get the information to my employer to release the garnishment, therefore meaning that my payroll check will again be garnished 25 % on XXXX/XXXX/XXXX, and this company will get around if not more than {$600.00} on a {$28.00} interest fee we were never informed about. Then I will have to wait 30 days to receive any type of refund from Works and Lentz for the amount that was paid over.

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Please remove the following fraudulent inquiries appearing on my credit file. These inquires are unknown to me and should be considered as fraudulent. Remove these unauthorized inquires immediately. 

1 ) XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) 6 ) 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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This issue is an existing problem which XXXX and XXXX, Transunion wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. 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 2019-04-27
Company: SYNCHRONY FINANCIAL
State: CA
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:
I applied for credit with Syncbjc Penney XXXX and they made inquiry without reason. I dont have credit with them, It is not fair.

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 2019-06-26
Company: Experian Information Solutions Inc.
State: MO
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:
Please remove the following fraudulent inquiries appearing on my credit file. These inquires are unknown to me and should be considered as fraudulent. Remove these unauthorized inquires immediately. 

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 2018-01-19
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Coinbase, inc. claimed they would refund my {$100000.00} transfer I sent in XX/XX/XXXX because I had sent from a business instead of a personal account. 
Two months later, and they still have n't returned my money nor email me the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: U.S. BANCORP
State: IN
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:
U.S. BANKCORP. FAILED TO REMOVE CREDIT REPORTING TO XXXX, XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.

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 2021-05-10
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2021 I mailed a letter requesting an investigation about questionable items on my credit report. It has been almost two months and I still haven't received any results of an investigation.

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 2019-06-26
Company: Experian Information Solutions Inc.
State: MO
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:
I'm disputing these fraudulent inquires please remove them because I did not authorize any of the following. 

1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3 ) XXXX XXXX   XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX ( XX/XX/XXXX ) 7 ) XXXX 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 2019-06-26
Company: EQUIFAX, INC.
State: MO
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:
I'm disputing these fraudulent inquires please remove them because I did not authorize any of the following. 

1 ) XXXX XXXX XXXX ( 1XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3 ) XXXX XXXX XXXX XXXXl ( XX/XX/XXXX ) 4 ) XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX (XX/XX/XXXX ) 6 ) XXXX (XX/XX/XXXX ) 7 ) XXXX XXXX XXXX (XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
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:
EQUIFAX is reporting TWO negative accounts under my credit report. I have tried contacting the creditors of these accounts, but no help has been resolved. 
The two negative accounts are : 1. XXXX XXXX XXXX- Someone used my information for a car loan and signed my name. I DO NOT OWN A VEHICLE FINANCED with this company. 

2. XXXX XXXX- I have NEVER contacted this company in my life. Yet they are stating i owe them a {$200.00} unpaid amount. 

. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
State: NY
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 sent an validation of debt letters on XX/XX/2021 to both XXXX XXXX and jpmc. they have yet to send me anything validating the alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Thunderbird Collection Specialists, 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: Information belongs to someone else

Complaint:
Thunderbird collections has a collection on my credit report in which I was not the patient nor the financially responsible party. 

I have disputed this with the major credit bureaus, and requested a validation of debt this and they refuse to remove the collection from my credit report. 

The validation of debt clearly shows the patient and financially responsible person is my spouse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My XXXX credit account shows incorrect information listed. This ACCOUNT shows PAID in full. please can u help REMOVE this account from my CREDIT REPORTS Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureaus involved have NOT actually verified the information but instead have instead used the XXXX-XXXX system to verify and have refused to remove fraudulent and erroneous information. See attached letters. Please read in detail.

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 2019-06-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureaus involved have NOT actually verified the information but instead have instead used the XXXX system to verify and have refused to remove fraudulent and erroneous information. See attached letters. Please read in detail.

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 2021-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I walked into Citizens Bank on Thursday XX/XX/2021 to open a new business management account for NH XXXX XXXX XXXX. I walked in and there was very little literature available to read at the location on XXXX XXXX XXXX XXXX, NH XXXX. There was a teller working and assisting consumers. I walked to one of the office doors to read the marketing and products offered at Citizens Bank. When I stood there XXXX XXXX opened the door and didn't know I was there. " Sorry, '' he said. " I did not mean to hit you. '' I asked him, " What do you do here? '' I took one of his business cards that notifies the consumer he is a XXXX XXXX. I asked him, " What are you managing? '' XXXX XXXX said to me, " You have to go talk to XXXX. '' I was not happy with his recommendation. If XXXX is managing wealth in the community he is directing people where to go or talk to XXXX. I do not feel safe with his management at Citizens Bank. I have no idea who XXXX is and I have no idea what companies XXXX XXXX works with or what his portfolio looks like. I am not sure if XXXX XXXX is an honest wealth manager at Citizens Bank. I feel XXXX XXXX is frauding the consumer and stealing money and personal information. XXXX XXXX does not work with my NH XXXX XXXX XXXX and he is not an approved manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions 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:
EXPERIAN, has ignored my requests to correct and investigate, my credit file where the Charge Off status by XXXX XXXX XXXX XXXX account # XXXX and also account # XXXX is in violation of the Federal Bankruptcy Codes and Violations of the FCRA. 

Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. 

XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. 

Account charge off status can not be reported as the accounts as was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016. 

POST Dismissal of XX/XX/2016, XXXX XXXX XXXX XXXX # XXXX and also account # XXXX under the Federal Bankruptcy Codes my credit card accounts was to be reported as the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by XXXX XXXX XXXX XXXX # XXXX and also account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also account # XXXX was required under the Federal Bankruptcy Code to REVERSE the charge off of my accounts where the debtor can resume paying on the account. This was denied by XXXX XXXX   XXXX XXXX # XXXX and also account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXand also account # XXXX was required under the Federal Bankruptcy Code to REVERSE the charge off of my accounts where I as the debtor can resume paying on the account. 

WHEREAS, XXXX XXXX  XXXX XXXX # XXXX and also account # XXXX has failed to and refused to REVERSE the charge off status and where Experian has also failed by allowing and knowing that XXXX XXXX XXXX XXXX XXXX XXXX false information of C/O status that should have been reversed under the Federal Bankruptcy Codes when the Bankruptcy Petition was dismissed by the Federal Bankruptcy Court .

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 2017-11-07
Company: Statebridge Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our current mortgage service has been problematic since the onset. They have claimed we were behind on payments for the beginning. We have exhausted all means to rectify the issue and have had no help or resolution. We have consistently requested an accounting for the payments we have submitted and they will not provide the information. Due to the companys start up nature, they are not effective at communicating with customers. We were facing financial hardships while out of work for XXXX issues, they would only offer a modification to the loan and no forbearance or deferment. Causing a worst financial situation for our overall experience, they sent our loan to a lawyer and treathtend foreclosure on 3 occasion. We have settled all back payments, however we believe we have over paid and they will not send us an accounting for our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Balance : {$2100.00} Account Name : XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX, XXXX Balance : {$330.00}, {$160.00} For one, I have disputed these three accounts with the credit bureaus since XXXX of 2021, and have not gotten any response about how the accounts are verified and validated. These accounts are not reporting consistently and therefore I am using my rights to dispute if I find any incorrect and unverifiable items on my credit report.

For two, I have disputed the accounts directly with the original creditors and found that they haven't received any communication from the credit bureaus about a re-investigation. I am fixing my credit because I am trying to get approved for a loan. I did all that I could to get the bureaus to respond to my disputes with proof of the validity of the information reported on each account but I feel like my efforts are wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Admin Recovery, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
OnXX/XX/XXXX 2017 I received a call from Admin Recovery LLC. During the call the representative was being abusive, threatening, and unfair. I then spoke with the manager at this company on a different call within 5 minutes of ending the call with the first representative, the manager did not verify my identity and a third party was informed of my personal information. The manager was also abusive and called me a liar without getting proper information to see if I was being truthful or not ; which I was being truthful. Admin Recovery is a rude collection agency. The amount owed to the company is around {$2000.00}

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 2022-03-10
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
Chase is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law.

Chase is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report.

Company response to consumer: Closed with explanation