BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: MO
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$220.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO 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 2021-04-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX I called Chase regarding a fraudulent charge on my account they immediately suspended my mobile and internet access. After my internet access was reinstated I noticed that charges were still pending and that I wanted them canceled they refused. I spoke to faith in the fraud department she hung up on me I called back and spoke to her Supervisor XXXX who directed me to another department i then spoke to XXXX who connected me to XXXX who also hung up on me. I would like to know why is a charge showing as pending and can not be reversed. Why is the FDIC not extended to customers of the bank. They take our money but yet when we have a problem they treat us like garbage and wont even try to assist us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: National Medical Administrators, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I received a collection notice letter yesterday ( dated XX/XX/20 ) from a National Medical Administrators , Inc with a {$150.00} debt collection from a company called " XXXX-XXXX  XXXX  XXXX. '' No further information regarding what this debt is for was provided. Ref # : XXXX and creditor acct # XXXX were included in the notice. Is this a scam? Please help me with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted Navient by with my attorney on XX/XX/XXXX. At that time, we were told that Navient would send me a XXXX form to film out. Almost a month later, I still had not received any form from them, so I called again on XX/XX/XXXX and requested that a XXXX form be both mailed and emailed to me. To date, I have still not received any XXXX form from Navient. I expect to be given an extension on my forbearance at no expense to me until they get me the XXXX forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: LA
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:
Multiple issues : 1. First of all, this is a commercial loan, held under my business. The mortgage servicing company, XXXX XXXX, notified me in a letter that they do not report commercial loans on personal credit reports, yet this still remains on my personal credit. 

2. Secondly, I have entered into a forbearance program on this loan in XXXX of 2020 due to inability to pay mortgage because of the pandemic. I was told over the phone that I would be on forbearance for 3 months, with the option to extend another 3 months and possibly beyond, once the 1st 3 months is up. After the first 3 months, in the month of XXXX, I spoke to another representative on the phone, whom asked if I need to extend the forbearance, to which I told her yes, because I am still suffering financially due to the pandemic. I had sent all of the requested information for the extension of the forbearance, and was passed around to multiple representatives. On one phone call in XXXX, a representative told me that I must pay my bill because my forbearance was over in XXXX. I told her that I was in the process of extending the forbearance, and she told me, for the first time ever, that my lender was not extending forbearances for any of their customers, and that I am considered delinquent for the past 3 months. I told her this is the first time I was told that, and she apologized for not having communicated that with me. Now my credit report is showing that I am delinquent for the months of XXXX, XXXX, and XXXX, when I was supposed to have been in forbearance. I have all recording of every single one of my calls with XXXX, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I also have all the email correspondences since the end of XXXX where I have submitted all of the requested info to extend my forbearance. They told me they were not offering forbearance extensions in XXXX, AFTER the fact that they have been reporting my account as delinquent, while having me believe that they are working on my forbearance extensions. 

3. Lastly, a representative of XXXX  had been corresponding with me via email and had made discriminatory remarks regarding my XXXX sounding name. My perception is that she is treating me differently due to discrimination, by falsely telling me that all of the other reps that told me they do not report on commercial loans are incorrect, and that she is the only correct representative of XXXX  regarding the matter.

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 2020-02-20
Company: TrueAccord Corp.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2020 i recieved an email from TrueAccord on behalf on XXXX XXXX threatening me that if i did not contact them regarding the debt, that XXXX will use an attorney to take me to court for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There are many mistakes appear in my report without my understanding.

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 2021-01-26
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In The Past Years This Is The Third Time Debt Collectors Have Tried To Collect On A Debt Not Owed. Also Attempts To Putting It On My Credit Report. It Has Since Been Removed From My Credit Report. But Now They Are Back To The Same Tricks Again. 
I Have Evidence That My Bill Is That Of " XXXX ''. I Just Spoke To The Hospital  This Week, And Have Also Obtained A Faxed Letter From The Hospital And The Attending Physician That My Information Is Accurate. 
This Is Continued Harrasment, To Fight To Keep The Debt Collectors From Trying To Ruin My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXX/XX/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 2020-07-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Previously contacted Enhanced Recovery Collection on XX/XX/2020 with a letter of validation of debt as stated on the FTC website. The amount of 30 days has passed and I did not receive any form of communication on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: TN
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:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was closed without my knowledge I've added money to my account numerous of times by atm and still receive messages saying my account is in the negative

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 2023-12-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IVE BEEN VICTIM OF IDENTITY THEFT PLEASE ERASE THIS INACCURATE INFORMATION FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX name XXXX, XXXX NEED TO REMOVE IN 14 TO 30 days THANK YOU 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 2023-09-05
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/23 I sent notification of identity theft on my credit report to XXXX, XXXX and Equifax. I included all accounts that were fraudulent as well as supporting documentation. Police report and my drivers license. I filed a complaint on identitytheft.gov and forwarded the information to the bureaus and the companies reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For twenty years my mortgages have been sold or my lender went out of bussines with a new company... .Three times I have lost my escrow every time at a cost to me of a few XXXX dollars... 
My new account holder has now sold my mortgage or going out of business... 
for the past two years I have paid my tax and insurance through them ... New statement as of XXXX went up XXXX dollars each month for escrow payment .... 
My taxes and insurance have not gone up it is a new Estamate that might go up .... I will no longer hold any extra in escrow for the reasons I have stated .... 
This aging is only a usage for mortage to control more of others money .... I have stated the loses of before and have tried to regain access of them, with no recourse of other chalk it up to XXXX happens .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX name XXXX, XXXX NEED TO REMOVE IN 14 TO 30 days THANK YOU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Credit Bureaus also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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 2023-04-15
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX account XXXX has violated my rights. 1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Saturday XX/XX/2020 I tried to purchase 5 tickets on XXXX for a basketball game through XXXX XXXX. I began texting her about the tickets and the communication between us did not feel like she was a scammer. Once I sent the agreed upon price of {$400.00} to her via XXXX, she only sent me 4 tickets instead of 5. I tried reaching her via text and calling but she blocked me. We tried from each number in our group and she did the same. One friend asked her if she still had the 5 tickets  available after she scammed us, and she said she did, which means she was trying to scam others the same way. Upon receiving the tickets we immediately knew they were fake, but proceeding to try them anyways just in case they weren't. Obviously that didn't work. I reached out to my bank, US Bank, immediately to alert them of the scam and to cancel the XXXX transactions, which they said they would submit a claim and I should receive the {$400.00} back within 40 days, but most likely within 10. On XX/XX/2020 I received a letter from US Bank eClaims Services Department telling me the transaction was posted as requested and my claim has been denied. I do not feel they investigated this matter appropriately, otherwise they would know this woman has scammed others. I have attached copies of all of the communication between XXXX XXXX and I, as well as the letter I received from US bank.

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 2021-05-29
Company: DISCOVER BANK
State: OH
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 been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX  # XXXX -XXXX XXXX # XXXX -DISCOVER FINANCIAL SERVICES # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: JPMORGAN CHASE & CO.
State: CA
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:
1 ) On XX/XX/2021 around XXXX XXXX, I called Chase Visa customer Service at XXXX. 
Chase Rep. said there is no records on the card I provided. Then transferred my call to fraud Dep. and this Chase Rep. ( her name is XXXX ) couldn't find any record either. then she instructed me to any Chase branch for further help/identification. 
2 ) the same day at XXXX XXXX, I went to a Chase Branch at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. A Banker ( XXXX XXXX ) helped me with identifying my Visa Card and my Driver 's License. I also show her the the latest Card statement. Then she made a phone call and find out this Visa Card was closed recently and said Chase will not close it unless card holder made a request. I said I didn't do it since I still have XXXX points on this account. Then, she helped me to file a complaint to Chase Complaint Dep. 
3 ) On XX/XX/2021 Chase Complaint Dep. called me and said the same thing as the 1st time ( no records on this card ). I told her your branch found it, she respond that she need to further to investigate and will call me again. 
4 ) On XX/XX/2021 XXXX XXXX ( she told me her name ) called me ( with this # XXXX ) and she said this Visa Card was closed by Chase for no/little activities on this card. I said " why didn't I receive any notice '', she said Chase did send notice. I said I didn't receive it and can you prove it. She had no answer, and I said what about my XXXX ( equivalent of {$260.00} cash ) Reward points. She said they will be no longer available since the Card was closed. I said that means Chase forfeited my reward points/money, she agreed. 
I felt Chase had very evil intention to steal client 's money by using this dirty trick.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief