BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
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 issue a dispute to equifax regarding XXXX account. This account doesnt belong to me. Ive tagged a photo showing the account was removed, if this account was removed and is all of a sudden reappearing on my account thats reinsertion! I received no notice or notification of reinsertion. Thats a violation Im asking for a removal of this account from my credit indefinitely. XXXX and XXXX have followed suit and removed account why XXXX is still showing it Im not sure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have sent XXXX LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2017-07-08
Company: Westlake Services, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt was written off and closed however Westlake financial is still reporting it saying there is a balance of XXXX. This was closed on XX/XX/XXXX but as of XX/XX/XXXX they are still reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Receivable Solutions, Inc.
State: SC
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:
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. I have attached documentation that I have sent to this company concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
hello i sent a dispute over 45 days ago still no response it currently states that i have missed payments for my XXXX XXXXXXXX  witch is incorrect there should be no late payments

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 2022-02-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My XXXX and I have tried to place {$20.00} dispute for a transaction dated XX/XX/XXXX as the merchant failed to fulfill the promised obligations. The bank even refused to accept the claim. We asked to mail the paperwork for the claim... instead they refuted back to the merchant. Aren't the bank supposed to accept the dispute ( at least ) and try in good faith attempting to resolve it? 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear Retail Claims Customer, We have received your request and reviewed it. 
Unfortunately this is not something we are able to process. This is a situation that must be resolved directly with the merchant, please reach out to them for further assistance. We apologize for the inconvenience. 

Thank you for choosing Chase. 

Sincerely, The Retail Claims Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- CATEGORY TYPE : Re : Account inquiry XXXX I provided you with everything you need including the account #, merchant name and date. Send me paperwork to my address if not sufficient. i don't have time to call -- -- -ORIGINAL MESSAGE -- -- - XXXX XXXX XXXX Thank you for contacting us. 

XXXX, we received your request to research a transactions on your account. Your email inquiry requires the expertise of another team. 

For assistance, please call our Customer Claims Department at XXXX ; we accept operator relay calls. You'll need to provide : - Account or card number - Date and dollar amount of the transaction - Merchant 's name - Any other information you have about the transaction We appreciate you being a Chase customer. 

Thank you, XXXX XXXX XXXX Servicing Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX I need to place {$20.00} into the dispute for the following transaction XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ID : XXXX XXXX debit - {$1000.00} I was promised {$20.00} for completing the transfer ... never received it and never gotten response from XXXX or XXXX [ XXXX XXXX XXXX : application/pdf Name : XXXX XXXX ] [ Attachment XXXX Type : application/pdf Name : No response from XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: N.A.R., Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX with the account number XXXX is said to be a collection account that was sold to North American Recovery with the same account number showing on my report. This collection accounts were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. These particular collection accounts should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. These should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Simon's Agency, 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: Old information reappears or never goes away

Complaint:
Greetings! 
This items was removed and then reappeared when the collection company changed names. This account was from greater than 10 years ago when it was removed. I was successful in getting it removed again but then the same company changed its name again and added it back to my credict. This has been an ongoing issue of an account well over XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Maximus Education, LLC dba Aidvantage
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:
XXXX XXXX XXXX / XXXX / 120 days late XXXX XXXX XXXXXXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX / XXXX XXXX 120 days XXXX XXXX XXXX XXXX XXXX XXXX / 120 days XXXX XXXX XXXX XXXX / XXXX / 120 days XXXX XXXX XXXX XXXX XXXX XXXX / 120 days late XXXX XXXX XXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX XXXX XXXX XXXX 120 days late XXXX XXXX XXXX / XXXX XXXX 90 days XXXX XXXX XXXX XXXX XXXX XXXX / 90 days late XXXX XXXX XXXXT / XXXX / 90 days late 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Financial Data Systems
State: SC
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:
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. This company is showing 2 separate accounts on my consumer report I have attached documentation that I have sent to this company concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BARCLAYS BANK DELAWARE
State: NM
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:
On the first call to Barclays on XX/XX/XXXX I had a balance of {$580.00} and automatic payments of {$13.00} per the automated system. I obtained this information by entering in my social security number and my date of birth. I never opened another card with Barclays after the fraud. It took them sometime but a Barclays rep ( XXXX ) found the account, I was the primary and there was an authorized user that they wouldnt name the authorized user or the address that did not match the two I gave ( " I don't see any of those on this account '' ). I was also supposed to get some documentation and a letter, which never came. The account was flagged for fraud too by the actual fraud department ( I spoke to this gentleman ) according to the general rep ( XXXX ). The fraud rep transferred me back to the call-pool and I managed to get back to XXXX. She stated everything was now showing it was flagged as fraud and closed. I spoke to a general rep and a rep from the fraud department at Barclays. 

I can still access this ACTIVE and recent credit history by entering in my social security number and my date of birth. On XX/XX/XXXX there is a balance of {$13.00}, a credit limit of {$5400.00} w/ {$1100.00} cash withdrawal, the automatic payments are no longer listed. Now I dont have an active account and I am allegedly an authorized user on someone elses account because they cant find me w/ my date of birth and social security number. They cant see the running balance or credit limit. Yet I can still enter my date of birth and social security number when calling in before I get a rep on the line. During the first two minutes of the call the general rep ( XXXX ) stated either name was not what was pulled up on this mystery account, the rep flipped shortly after and insisted I have two inactive accounts. On this call I also spoke to a customer security rep. 

Barclays is trying to cover up a mistake if thats whats going on either for myself or another person. If this is a genuine mistake IT and a manager need to physically remove my social security number and date of birth, otherwise they are helping a stranger commit identity theft and credit card fraud. I DID NOT CONSENT TO HAVING THIS ACCOUNT OPENED OR TO BE AN AUTHORIZED USER. Ive put in a dispute w/ experian and frozen my three credit accounts w/ the three companies ( XXXX, XXXX, XXXX ) and Ive done the identitytheft.gov thing. 

Recording :XX/XX/XXXXXXXXXX/XX/XXXXXXXX

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 2016-04-12
Company: Seattle Service Bureau, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I got XXXX calls from this company, I had several medical bills come in at one time. I was trying to verify when I got another call saying my credit will be ruined by them.

Company response to consumer: Closed
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX, I have been a victim of Identity Theft and have suffered tremendous lost because of it. I submitted all of the proper documentation to all XXXX bureaus on XXXX XXXX XXXX XXXX and have yet to get any response. I have suffered financially, fraudulent accounts have been opened in my name and I am just asking the bureaus to do the right thing here and by law per section 605B of the FCRA, these accounts should have been blocked within 4 days and an investigation launched on my behalf.

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 2021-09-22
Company: NCB Management Services Inc.
State: SC
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:
Upon pulling my consumer financial report I discover that there is information that is deemed to be fraudulently reporting from this company. On XX/XX/2021 I sent certified mailing informing them of these fraudulent actions. I have discovered that this debt collector Pursuant to 15 USC 1692 ( a ) have violated my privacy completely. I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). When looking at the amount owed on my consumer credit report pursuant to 15 USC 1692e ( 2 ) ( a ) the character and the amount is misleading to the amount, reporting on my report is of a positive balance which is a misrepresentation. This company also seems to have committed identity theft due to myself never doing business with them about this matter and purchasing my information concerning me as a consumer in order to collect on a debt pursuant to 15 USC 1692e ( 10 ). I did not provide this debt collector with direct consent that they could contact me via mail or any other communication which is required pursuant to 15 USC 1692c ( a ). I notice that this company showing on my consumer report as a charge off which is also a violation pursuant to 15 USC 1692e ( 12 ) and has damaged my reputation and have also hindered me to obtain certain jobs due to being present on my consumer report. I have attached documentation that I have sent to this company concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There are 4 inquiries on my account by Kohls/Capone on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have called Kohls to dispute the inquiry and request a letter of deletion under the direction of XXXX, Kohls stated that they could not verify or investigate, nor could they give a letter of deletion. 

XXXX XXXX (? ) also pulled my credit without my permission on XXXX XXXX. I have no idea who this creditor is. 

There is also a credit inquiry from XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: VA
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 was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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:
for the last year my score with all three bureaus are running mid 600s i am attempting to buy house so paid down all cards but kept open All of a sudden transunion dropped me 89 points and put my creidt score poor XXXX reason? decrease in balance? i waited thinking it was an error but no it didnt resolve I called transunion om Monday 12 Spoke to supervisor I told him that their scoring system must have a glitch no way score would drop 89 points for lowering utilization First he said it was two old accts that were paid but had late pays and then said no because this data has been on my report doe five years and i have good credit that is taking over He then said i need to use my cards charge them that zeroing balance dropped score I said wait so lowering my utikization dropped my score 89 points? 
the other bureaus have same info and still in the 600s i need help i now lost the interest needed to buy home see my report and alerts

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