BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-09
Company: JPMORGAN CHASE & CO.
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:
Since XX/XX/2021, I have been dealing with someone using my information. From XXXX, XXXX, and now XXXX they open a credit card that now will hurt my credit. 
Please I need help, the phone number they keep using is XXXX. I live in Florida thats NOT my number. Please HELP, I suffer enough & this scam is not helping, I contacted the FBI. On this I need your help. Please. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have order my new credit report from equifax and i have came across some inquires that i have not approve any one to run my credit, also i have contacted equifax about this matter and i have got no answer from them, i have mail out a FTC police report on this matter and still no answer and i have been doing my resreach because iam in the process on rebuilding my credit that when i send a FTC report in to equifax they to follow the rules and they have not here are all the inquires capital on date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX these are all the inquires i have no idea why they are on my credit report and dont forget i mail my FTC police report to u all and u all still havent remove nothing u all are breaking the law plz fix this matter ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: ABSOLUTE CREDIT  LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS NOT MY ACCOUNT POSSIBLE IDENTITY THEFT THEY HAVE REFUSED TO REMOVE THIS ACCOUNT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Navient Solutions, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2021, I mailed certified letters out to Navient, XXXX XXXX, XXXX, and XXXX requesting them to remove Dept of Ed/ Navient XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have worked with Cardinal finance for a refi, I paid the fee for the appraisal and have had 6 different closing dates and now I am not getting a response from anyone, last update was XX/XX/XXXX. it was set to close ( for the 6th time ) on XX/XX/XXXX. 

I have worked with XXXX XXXX, his supervisor XXXX and a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There is a bankruptcy that does not belong to me on my Equifax Credit Report. 

I have never filed for a bankruptcy, and XXXX and XXXX correctly identify that I have never had one. Only Equifax has this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Lending Club Corp
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband was looking for a personal loan XX/XX/2016. We looked at lendingclub.com and inquired about an unsecured loan. We were approved for the loan, but we did not proceed with signing the loan agreement. We did not receive ANY funds through our bank, or through a check. We have documents from our credit union that no deposit was made by that company. I have asked for documentation of the loan, our electronic signatures, emails sent etc, but I have not received any. They are now saying I owe money and have sent me to collections, and I have negative reporting on my credit report. 
I never received a billing statement. On my husband 's credit report, it says that he made 76 % of payments - but we never MADE ANY payments at all because we never received a bill, or even agreed to this loan, but on my credit report, it says we did not pay any payments at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
It takes XXXX calendar days to post a payment and I had to contact them multiple times about the issue. Their resolution is to put you on an extensive conference call with your financial institution to resolve the issue. I know of no other financial institution or creditor that wont release the credit limit for XXXX days. They need to follow industry standards with posting times and dates. Per other online reviews, Im not the only one who has experienced and continues to experience this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inaccurate information showing on my credit report which is violation of the FTC and Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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:
I was A victim of identity theft. XXXX  XXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.

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 2017-12-08
Company: Advance America, Cash Advance Centers, Inc.
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
CALLED XXXX XXXX AT XXXX AND LEFT THREATENING VOICEMAIL. SHE IDENTIFIED HERSELF AS COURT ORDERED OFFICER NAMED XXXX XXXX, SHE DID NOT IDENTIFY WHO THE CREDITOR WAS OR EVEN THAT IT WAS A CREDITOR JUST THAT CRIMINAL CHARGES HAD BEEN TAKEN ON ME, THAT IT WAS GOING TO BE MATTER OF PUBLIC RECORD AND THAT ALL MY LEGAL RIGHTS WERE FORFEITED. 
SHE THEN FINISHED THE VOICEMAIL WITH STATING THAT SHE WAS CONTACTING MY EMPLOYER AND WOULD BE THERE SOON TO COME AND GET ME AND NO MATTER WHAT I WOULD BE LOCATED AND IT WOULD BE AT MY JOB. 
I TRIED CALLING HER NUMBER BACK SEVERAL TIMES WITH NO ANSWER AND NO VOICEMAIL AVAILABILITY. 
I TRIED CALLING THE NUMBER SHE GAVE ME SEVERAL TIMES AND IT WENT TO A VOICEMAIL THAT WAS TOO FULL AND THEN SAID ERROR, SO NO WAY FOR ME TO LEAVE A MESSAGE. 
I CALLED THE COUNTY SHE SAID THAT THE ORDER HAD BEEN FILED AND ORDERED IN AND TALKED TO BOTH THE DISTRICT AND MUNICIPAL COURTS AND THEY BOTH HAD NEVER HEARD OF HER, COULDNT FIND A CASE WITH MY NAME ON IT, AND ALSO SAID THAT THE CASE NUMBER SHE GAVE ME WASNT EVEN IN THE CORRECT ALPHA-NUMERIC SEQUENCE FOR A CASE THROUGH THEIR COURT. 
SHE CALLED BACK ON XXXX XXXX AT XXXX XXXX AND I WAS ABLE TO ANSWER. SHE AGAIN DID NOT IDENTIFY WHO MY ACCUSER WAS ( EVEN THOUGH I TOLD HER I HAD CALLED THE NUMBER SHE HAD PROVIDED SEVERAL TIMES AND WAS N'T EVEN ABLE TO LEAVE A MESSAGE ), JUST THAT SHE HAD A COURT ORDER TO PICK ME UP. 
I CONFRONTED HER WITH THE INFORMATION THAT I HAD OBTAINED FROM THE COUNTY COURTS AND SHE RESPONDED, " THAT VERY WELL MAY BE, BUT YOU STILL HAVE 3 CRIMINAL CHARGES AGAINST YOU AND SHE HAD AN ORDER TO LOCATE ME AND WAS GOING TO COME AND GET ME IMMEDIATELY FROM THE ADDRESS ON FILE. " AND BEFORE I COULD SAY ANYTHING ELSE SHE HUNG UP.

THE NEXT DAY, I CALLED THE NUMBER SHE PROVIDED AGAIN AND THEY FINALLY ANSWERED AND IT WAS A REPRESENTATIVE FORM ADVANCE AMERICA. 
I HAVE HER ORIGINAL VOICEMAIL MESSAGE TO ME SAVED.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: First Advantage LNS Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX have sent my name in collections for the amount of {$3000.00}. In addition to ruining my rental credit history which is making it nearly impossible to rent. The issue was bought to my attention on XXXX XXXX when I attempted to rent an apartment. I have never received any letter or phone calls from XXXX XXXX regarding the issue. I have made an attempt to reach out to them via email on XX/XX/XXXX, at XXXX ( which was the email of the person who sent my last lease ) and putting in a direct request on the company 's website XXXX XXXX XXXX XXXX XXXX a couple of days afterwards. No one has reached out to me regarding the matter. In XX/XX/XXXX, I broke my lease. Upon moving in the apartment I gave them a XXXX months rent deposit in addition to the prorated amount that was due when I moved in XX/XX/XXXX. When I inquired about possibly breaking the lease they stated I had to pay XXXX months rent XXXX XXXX XXXX XXXX ( they had XXXX months rent ). The rental amount was {$1200.00} in XXXX and had increase to {$1200.00} upon me leaving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15
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:
XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX BANK # XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX/XXXX XXXX # XXXX AFTER ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection agency named Transworld Systems reported a {$1100.00} collection account on my credit report. Prior to this account appearing on my credit profile, I never received a notice of my right to dispute. Additionally, I have attempted to contact Transworld Systems countless times by phone and fax to find out more about this supposed debt, what it is, and see if I can resolve it. They never answer the phone, nor respond to my faxes or e-mails. I've even tried to go to the address they list as a business address on my credit report, but no one is ever there. I believe this is a mistake, and was placed on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Navient Solutions, LLC.
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:
Last month my credit dropped nearly 146 points after navient incorrectly reported a damaging 120 days despite the two months before and after being paid as agreed. This is for a loan that was never used send money that was never taken for school. Navient and XXXX  consumer reports disconnected information isn't it possible for me to bring residence finance I do anything else that could be available to me. Despite the fact that there's a pandemic and it goes fire and after were forgiven by the federal government 's XXXX continue to show 120 days late from growing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The company said that it would NOT make a hard inquiry but they did and it lowered my score. 

They used the name XXXX and call two or more times a day. It has turned into harassment. 

THEY SHOULD NOT HAVE RUN A HARD INQUIRY! THEY SAID THEY WOULD NOT.

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 2020-07-24
Company: Experian Information Solutions Inc.
State: MD
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:
After paying off all of my debts, my credit score was listed as [ XXXX ]. Since that time, my credit card balance ( s ) average about {$500.00}. Experian continues to list my credit score as " XXXX '', even when I have no credit card debt. XXXX  [ XXXX ] and XXXX  [ XXXX XXXX scores.

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 2020-09-15
Company: Harley Davidson Financial Services Inc
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was a victim of deception. My ex-fianc established a loan for a motorcycle while I was undergoing XXXX treatments. Once I realized what was done, I did contact the company and tried to explain everything, but they didn't care. The motorcycle was repossessed and I was sent a letter notifying me that it was going to be sold at an auction. I never received any other notification from the company until the balance owed showed up on my credit report. The company, Harley Davidson, never sent me a break down of the balance once the motorcycle was sold to explain the balance. I have tried to contact the company several times by letter to get a copy of breakdown in charges and the only thing that I was sent was a copy of the contract agreement that has a electronic signature. My ex-fianc had my  personal information and applied for the loan in my name and the address on the loan agreement was partially incorrect. There are many red flags about this situation and I want to understand why I am owed the balance that they state I owe. The loan was generated on XXXX XXXX, in the amount of $ 24,046.80.The loan was for a XXXX  XXXX XXXX XXXX XXXX XXXX. The balance stated owed is {$10000.00}. There was a {$3000.00} service contract on the motorcycle per contract, and also {$990.00} XXXX XXXX. These are both refundable items. I am reaching out to your organization in hopes of rectifying my issue with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: FL
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 EXPERIAN AND XXXX Account # 's XXXX andXXXX has violated my rights. 

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 a account without my written instructions.

15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Attached is the deletions from XXXX and the two credit reports showing the inaccurate accounts reporting From XXXX accounts XXXX and 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 2017-12-08
Company: EQUIFAX, INC.
State: NE
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:
My name is currently attached to a loan that I did not agreed to or sign for. My signature is not on the promissory note they have on file. I filled out a Fraud packet with XXXX XXXX XXXX and they rejected it to stall the process. I have spent over 2500 hours of phone time with XXXX over the past 11 years and they still refuse to deal with the matter. XXXX XXXX XXXX is the originator of the loan. They took my information from an account I had with them and attached to a loan. They sold it to XXXX XXXX XXXX and now XXXX XXXX XXXX. I continue to have my credit affected and I need the matter resolved. This is my 12th CFPB Complaint about the matter and still nothing is done. I have contacted two state governors and two state AGs but they pass the buck to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Professional Recovery Management
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FOX COLLECTION CENTER is reporting a medical debt that was paid by my attorney during a settlement with the original debtor. I have tried to get this removed thru the XXXX dispute center. Fox Collection Center responded that the debt was verified. They did not say how it was verified only verified. I have complaints from others that the Fox collection center goes out to an electronic bulletin board and purchase account without even verifying that these debts are still unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: DC
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXXXXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXXDate Opened : XXXX XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX XXXXXXXX-Balance $ XXXXDate Opened : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
2- {$1000.00} transfers were made between my XXXX XXXX  account and the Cashapp account I opened account number XXXX XXXX XXXX XXXX also known as Square inc. on XX/XX/2021. 

The funds were debited from my XXXX XXXX  account in XXXX New Jersey but Cashapp ( Square inc. ) states they failed to receive the funds and promised to resolve it but now has blocked my calls or attempts at contacting them. 

I have not been able to get Cashapp that also goes by XXXX XXXX  and Square to return the 2- {$1000.00} transfers. 

Cashapp will not answer the phone or answer any of my texts. XXXX XXXX  sent me the information showing the transaction took place. I believe that Square ( Cashapp ) and XXXX XXXX  has my {$2000.00} and both XXXX XXXX  and Cash.app are legally obligated to secure and return the funds.

Company response to consumer: Closed with explanation