BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: MA
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:
Hi XXXX ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( Experian, XXXX, and XXXX  ) and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : XXXX:XX/XX/XXXX ; Experian : XX/XX/XXXX & XXXX  : XX/XX/XXXX ). You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion will not remove hard inquiries that I did not authorize.

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 2019-02-19
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was paid and settle with the original creditor ( XXXX ) for deletion. Source Receivable Management refuses to Verify and Validate as required by law. I asked them for their license to collect in the state of Maryland, amount owed, breakdown of fees, original signatures, date of original delinquency, and name and address on file, to validate the debt and their right to collect debt on behalf of XXXX, as required under the Fair Debt Collection Practices Act, 15 1692g Sec. 809 ( 8 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of identity theft several months ago and a account is still appearing on my credit file.

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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In XXXX I XXXX XXXX got arrested and I did 2 years in XXXX XXXX XXXX XXXX. When i was released XX/XX/XXXX I applied for housing and was denied due to fraudulent accounts on my credit. Please do your due diligence and verify this account. I am requesting verification that you must show me according to the FCRA that this is a valid debt of mine. I have never had XXXX XXXX in my name. I am requesting that your company verify with XXXX XXXX XXXXl that I was XXXXXXXX in their facility at the time this account was opened and remove from my credit files asap!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: ERC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Enhanced recovery corporation has been trying to collect a debt on behalf of XXXX. The issue is this debt is well over 7 years old and several times throughout the past few years enhanced recovery renews it and restarts the clock. I have had 0 communication with the company during this time and need these removed permanently from my report. I have disputed them in the past and has them removed only to have them come back with a new open date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: MA
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:
Hi XXXX ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( XXXX, XXXX, and Equifax ) and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : XXXX:XX/XX/XXXX ; XXXX : XX/XX/XXXX & Equifax : XX/XX/XXXX XXXX. You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my cre
dit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi XXXX ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( XXXX, Transunion, and XXXX ) and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : Transunion:XX/XX/XXXX ; XXXX  : XX/XX/XXXX & XXXX  : XX/XX/XXXX ). You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigate
d and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2019-08-16
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I am in the process of refinancing my home and was shocked to learn that I have a 60 day late and a 30 day late on my credit report for Care Credit/Synchrony bank. I co-signed this account for my son, XXXX XXXX, to obtain immediate health care of my grandson. My son lives in XXXX CA and was making the payments. He works for the government and I recently found out that the account became delinquent while he was on a government mandated furlough. If I had been aware of any delinquencies, I would have paid the account up to date immediately. I never received a delinquency letter nor did I receive a telephone call from Care Credit/Synchrony Bank to advise of the delinquency status. I provided my home address ( in XXXX, California ) along with my telephone number over the phone at account origination. I believe Fair Credit Reporting Act ( FCRA ) and Fair Debt Collections Practices Act ( FDCPA ) rules dictate that all liable parties require notification of a delinquency before my credit bureau report can be negatively impacted. Since Care Credit/Synchrony Bank did not properly notify me of the delinquencies, I request that you please investigate this Bank for improper notification and collection practices. I request that Care Health/Synchrony Bank remove the delinquency status from my credit bureau reports. Also, I never received any information or notification regarding terms and conditions for this account. I am a senior citizen and I value my credit and would not have allowed this to happen if your company provided me with proper notification. I have not received a reply to my letter to Care Credit/Synchrony Bank which was mailed XX/XX/2019.

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 2020-11-06
Company: Experian Information Solutions Inc.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-11-18
Company: EQUIFAX, INC.
State: CO
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:
I pay early and on time but my credit score keeps falling. no matter what do. I have called many places but still, I can not get an answer as to why I need help. please I need help. 


Sincerely Mr.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 been sending letters to XXXX, XXXX  and TransUnion since XXXX of last year, it seems that they are ignoring my dispute and never send me any physical proof of the negative accounts.

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 2020-05-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My balance transfer convenience check for XXXX due XX/XX/XXXX was charged to my account on XX/XX/XXXX. A 5 percent fee of XXXX was then charged because the loan was otherwise interest free thru XXXX, XXXX. Another promotional offer is on my account where all interest is deferred and interest will be waived if the balance gets paid by XX/XX/XXXX. My account payments and credits were applied to the balance due XX/XX/XXXX instead of the loan due XX/XX/XXXX. This makes the XXXX 5 percent check fee much too expensive as well as misleading. XXXX, who gave no last name initial, said on XX/XX/XXXX about XXXX XXXX  that my payments could not be re-alloacated to the balance due XX/XX/XXXX. I just authorized another so-called minimum monthly payment which no doubt will reduce the balance due XX/XX/XXXX instead of the loan due XX/XX/XXXX. XXXX said there is no Supervisor to review my complaint because XXXX is an " Escalation Specialist # 5. '' He said I should have known better than to accept the Balance Transfer Convenience Check that they sent in the mail. The terms say payments are applied to the lowest interest rate first. Since the XX/XX/XXXX loan interest is deferred and subject to full waiver, it makes no difference to them that I am currently paying zero interest on that loan.

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 2021-01-21
Company: JPMORGAN CHASE & CO.
State: LA
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:
On Saturday, XX/XX/XXXX, I was contacted by phone by a young lady stating that my Amazon Account was being hacked by several hackers from overseas. Though skeptical, she had me log into my Amazon account and took over the cursor controls, navigating around and showing me what was wrong. This convinced me that this call was legitimate. She then advised me that anti-hacking software (? ) was needed to delete the hackers from my account. To do so, I needed to purchase gift cards, which I could not do on line. I proceeded to XXXX, XXXX, and XXXX and did as I was told, using the Chase credit card in question. When she advised me that additional gift cards were needed, I finally smelled a rat and hung up. I immediately called the Chase Customer Service Dept., told them I had been scammed and wanted these charges removed from my account, as well as having a new card issued. Their employee was very understanding and courteous, removed the charges and assured me that I would not be held accountable for them. He said he would report this to their Fraud Dept. as well. A few days later I received my new card in the mail. While routinely checking my credit card balances this weekend ( XX/XX/XXXX ), I was shocked to see a {$3000.00} balance due on this card dating back to XX/XX/XXXX. I immediately called Chase Customer Service and was referred to the Fraud Dept. who transferred me to the Dispute Dept. I was told by them that I am, indeed, being held accountable for these charges as this does not constitute fraud -- but it does. The young woman on the phone misrepresented herself as being from the security department at Amazon ; she lied to me and misled me. I received no benefit from these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
I have 3 student loans that I recently consolidated into one loan. When the 3 loans were open they were always in deferment or forbearance. However, upon checking my credit report I am showing that all 3 loans have a late payment. The payment only shows that it was 90 days late - no other reports as far as 30 or 60 days late were reported prior to that. I have disputed this with Navient and all three credit bureaus and they are reporting it as verified as being late. I asked for proof that the accounts were late with no response. I want the late payments removed from my report as these accounts were never late.

Company response to consumer: Closed with explanation