BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 noticed unauthorized accounts, inquiries, and personal info on my credit report. Someone else applied and used my info in my name. According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized things must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: CITIBANK, N.A.
State: MI
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 XX/XX/20 I used my citi simplicity credit to withdrawl {$300.00} at the XXXX XXXX at XXXX XXXX XXXX. The casino was having problems with their computer systems and couldn't get the transaction to go through. They tried 4 times to withdrawal {$300.00}. The casino assured me that the transactions did not go through but when I checked my account there were 4 transactions of {$320.00} ( total {$1200.00} ). I contacted citicard immediately and let them know what happened. I have been bounced around to security and the dispute department several times. The credits from XXXX XXXX XXXX have shown up on my credit statement but Citi has charged me 4 more times than they have credited my account. Most of the time when I call there I can not understand the person very well due to the language barriers. Twice I have spoken with someone and they assured me that they see the same thing as I do on my account and they will send this to the dispute department to fix. It is now almost 6 months later and no resolve. I do get emails stating that I'm over my credit limit and need to pay them over {$1000.00}. I'm afraid this is going to hurt my credit but I'm also hesitant to fork over {$1000.00} at XXXX time for a mistake that they won't even contact me to resolve. I have also recently gone to my account on line and all of my statement between XXXX and XXXX are no longer available for me to see. I would appreciate any help that you can provide. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-10-04
Company: DISCOVER BANK
State: TN
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 have reached out to the company for proof for the second time, and sending them confirmation I was a victim of Identity theft and there in violation of FDCPA for not providing me evidence of this account. They only sent a statement or bills of this account, no signed contract, or proof that I am opening this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt they are trying to collect has been paid for over a year. It is {$100.00} in elementary school lunch fees my child incurred. The debt was paid to the school at the end of the year. This collector calls every single day trying to collect a laughable {$100.00}. Not to mention, there isn't a person on the other line - they simply provide an automated message telling the CONSUMER to CALL the collector. If they want to handle the debt, they need to have a person on the line when you answer, not a computer. There is no way I'm going to take the time to call them back, sit on hold to tell them the erroneous debt has been paid for close to a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Express Recovery Services, Inc.
State: UT
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 sent disputes to ALL 3 Credit bureaus and have yet to receive a response. It has been over 60 days since my dispute. By law they are supposed to respond.

Express Recovery services is reporting 7 erroneous accounts on my credit report.. 
( XXXX, XXXX & XXXX ) - these accounts should have never went to collection because we have insurance. Also these were paid XXXX to them reporting to credit if you look at the attached document. They were paid in XXXX but they put them on my credit in XXXX? These are a violation and sent to collection in error!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I had a bank account with Wells Fargo Bank in Arizona, and they gave someone a {$10000.00} unsecured loan. I reported as a fraud and asked to see the video of the transaction but the bank refused to show me who made this transaction. The bank told my husband I received the money and they told me my husband received the money. No money was returned to me and they still show me owing this amount even when it is showing in the fraud department. And can't provide any Proof of signatures or identification on this {$10000.00} cash 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 2023-04-22
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
These accounts are not mine, I noticed them when trying to make a purchase. 

XXXX XXXX {$8000.00} opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$3100.00} opened XXXX. XXXX 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is an entire account full of fraudulent charges that were added to my account by a mentally unstable individual working for the building management company, XXXX XXXX XXXX, who run the XXXX apartment building. This individual falsified and concealed information as well as distributed my personal information to other tenants and submitting fraudulent claims in court to further inflate their charges. 

All charges were created within 7 days of or immediately after I moved out, without any communication, simply a bill sent two weeks after move-out. 
Most notably, they are attempting to collect money for " Legal Charges '' which include {$750.00} of legal charges to reimburse them for an eviction case they fraudulently filed in court AFTER I already moved out. 
Again, they are attempting to assess " legal charges '' for a case that did not, and never could have, come before a judge. Therefore, it was an attempt to obtain financial gain by deception. The very definition of fraud. 

I provided written notice to move-out more than 90 days prior to moving out of the building from which the building management created these charges and have a written statement FROM the building manager at the time acknowledging this and stating very clearly that there would be no additional charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery is constantly pursuing me for a debt I dont owe. I reviewed my report and have informed there company ( XXXX XXXX XXXX ) who alleges this debt originated with them. More baffling is why is portfolio recovery pursuing me for this allege debt when my report indicates this debt was sold to XXXX  XXXX XXXX XXXX NOT PORTFOLIO RECOVERY ACCOUNT. Please delete this account from report there is no validation of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Several times in XX/XX/2021 I contacted them by phone calling to address my report had in inaccurate information on it. EX : accurate address on report only. EX : not showing my student loans or reporting them. EX : tampering with score. EX : denied applications. EX : denied apartments. EX : denied auto loans. EX : denied rightful EX : Im Currently Homeless

Company response to consumer: In progress
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: TX
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 XXXX Account XXXX/Exclusive Furniture Account Number XXXX XXXX Account Number XXXXXXXX XXXX  Account Number XXXX XXXX & XXXX Account Numbers XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Yes I was an account holder with chase then my debit card got stollen I had XXXX in my account then I told chase about it they told me they cant give me a refund and I need my money back to pay my bills someone stole my debit card and withdrawal all my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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:
I have made several phone calls to equifax attempting to correct my credit report for two months. I informed the company that I have 7 hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not requested or applied for any type of credit. Equifax refuses to research the situation with these companies directly and remove these inquiries. I have not signed or made any agreements with any of these companies and I informed equifax of the federal laws and they wont remove them. Please help me get my report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I'm a XXXX XXXX of XXXX XXXX. I applied for a business loan from the XXXX ON XXXX of XXXX of this year. On XX/XX/XXXX, XXXX approved my loan in the amount of XXXX. XXXX was deposited into my account on XX/XX/XXXX. On XX/XX/XXXX, Chase froze the funds in my account. 10 days later, they closed my account and put the funds from the XXXX loan in suspense. I've spoken to different agents in the fraud department, and received different statements. One stated that if I was to bring in my EIN number, that the funds will be issued into a cashier 's check. Never happened. One stated that I needed to consult with an attorney to receive the funds. Another one stated that I needed to contact SBA to have them retract the loan. In which I did, but XXXX stated on numerous occasions that this was impossible since my account has been closed. I called Chase again ( fraud dep ), they stated that they will keep the funds in suspense up to 2-3 years and then release the funds to the state. This is a BIG problem, considering I've entered into a 30 yr agreement with XXXX WITH INTEREST ACCRUING DAILY, and I have no access to these funds. I can't reject the loan, since the loan was successfully dispersed into my checking account that Chase voluntarily closed!! If Chase won't release the funds to me ( in which I ' rightfully entitled to these funds, that XXXX successfully verified my identity, etc. ) then I feel it's only right for them to send them back to XXXX IMMEDIATLEY!! It's been 2 months of this with Chase and I would like to resolve this matter in a timely manner please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
My loan was established in XXXX for a total of {$7000.00} with Sallie Mae. Navient took over my loan in XXXX. I also have another loan which is the XXXX XXXX XXXX  with Navient. AThis letter is particularly concern about the oldest loan. They received 3 large payments from XXXX XXXX XXXX XXXX which is not reflected in the loan payment history. They also add over {$7000.00} in capitalized interest. Payment have been made to the account for over 24 years, yet I still owe {$14000.00}, There is fraudulent loan servicing. I requested a breakdown of my payments and also the original loan documents from XXXX which they can not supply. I would like an investigation in this matter, because my payoff on this loan is slated for another 10 years, which is ridiculous. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NJ
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 noticed a Account from XXXX XXXX  {$400.00} us still on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
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:
After sending Transunion several letters of complaints regarding the following inquiries 1.XXXX XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XXXX XXXX-XX/XX/XXXX 6.XXXX  XXXX-XX/XX/XXXX 7.XXXX XXXX-XX/XX/XXXX 8.XXXX-XX/XX/XXXX 9.XXXX-XX/XX/XXXX 10.XXXX   XXXX-XX/XX/XXXX 11.XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX-XX/XX/XXXX 13.XXXX-XX/XX/XXXX14.XXXX-XX/XX/XXXX that they are reporting on my credit report.the last letter I sent was certified. they are reporting not yet proven compliant information. Transunion has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter. I informed them that I did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintained under my social security number.

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 2023-10-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This has never appeared on any of my credit reports. 

This was an account that was paid in full. 

It was never a charge-off. The limit was only {$600.00}

Company response to consumer: In progress
Consumer complaint received 2021-01-25
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: Information belongs to someone else

Complaint:
I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. I still received no response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realize due to the global pandemic the system is slow but for a 30 day time limited investigation to take over 200 days days and still no results to be mailed to me nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before I take this case through the legal system.

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 2023-11-06
Company: Avant Holding Company, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to the FCRA reporting act I am privileged to have a fair accurate credit report and any inaccuracies found must be corrected and made correct to the positive standing and reflect XXXX inaccuracies XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX INACCURACIES, LAST REPORTED DATE XX/XX/23 please also missed

Company response to consumer: In progress
Consumer complaint received 2021-04-15
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:
Please investigate XXXX XXXX and XXXX XXXX XXXX on my credit profile, I'm only getting automated updates. I will like a thorough investigation on XXXX XXXX and the colletion agency XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: TX
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 tried to get XXXX XXXX deleted from my credit report this negative item was paid in settlement and should be removed from my report it has been on record for over 6 years now it shows nothing but bad credit they are keeping my score down as well just shows verified

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing with the XXXX credit companies about Bay Area Credit Service since XX/XX/XXXX of an account that they have in my credit file reporting since XXXX, XXXX XXXX. I sent certified mail requesting validation of debt, Bay Area received and signed for the certificate letter on XX/XX/XXXX. As of XX/XX/XXXX they have not sent me any proof of debt HOWEVER THEY keep RE-REORTING the same collection account every other day, in order to lower my score. Attached is certified mail sent to Bay Area. This company takes advantage of the consumer by doing as much harm as they can inflict. 

I respectfully request from CFPB to have this collection account deleted from my XXXX XXXX XXXX. And have them sanction

Company response to consumer: Closed with explanation