BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-03-24
Company: Duvera Billing Services, LLC
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:
Since I reported XXXX XXXX for using bait and switch tactics to collect far more that what was agreed on, it received money from me in exchange for a change in the repayment terms. After I inquired with them about the payment terms, and then later complained about the bait and switch tactics it used to try to collect more that what I agreed to pay. XXXX XXXX cancelled the repayment agreement. 
XXXX XXXX changed the name of the company to DUVERA BILLING SERVICES , LLC, XXXX XXXX has sent me conflicting mail asking me to pay different amounts. After I complained about them, XXXX XXXX is now using DUVERA BILLING SERVICES , LLC on my credit report as a charged off account. This company is abusing consumer rights under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Today ( XXXX ) I was trying to open an account with XXXX. Howerver, I was unable to open an account because the information I provided to XXXX and TransUnion did not match. 

I was informed by XXXX XXXX account that TransUnion provides free credit report and that I should look at the credit report and make changes as required. 

I try to get a credit report, but it turns out I will be charged XXXX per month. I was however not aware of this while providing my details as this information was hidden under a star. I provided my credit card information, thinking that this was part of the identity verification process. As soon as an account was created, XXXX was charged to my credit card. 

I immediately called them and asked me to cancel their service and issue me a refund. They canceled my service but REFUSED to provide me a refund.

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 2020-09-24
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My account information has not been updated by US Bank Mortgage, the amount I owe on the mortgage has not been updated. My account status has not been updated on my credit report. This needs to be updated, I signed all the necessary paperwork and the payment amount has still not been updated to reflect an update to date account. Been this way for two months now. I started the process in late XX/XX/2020.

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 2020-06-23
Company: EQUIFAX, 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:
My name is XXXX XXXX. I've placed a prior CFPB complaints regrading my credit scores dropping acutely in XXXX of this year. I've been provided multiple answers to date regarding why this is. I was initially provided information that making a minimum payment in XXXX on my student loans was the driving factor regarding this. Essentially, this was the reason for my initial dispute/complaint. With that being said, further discussions with reps from the credit reporting agencies, my student loan service ( XXXX ), and the XXXX have revealed that this drop is most likely secondary to my student loans being placed into the government driven loan forbearance. Regardless, I am placing a formal complaint at this time challenging the accuracy of my current credit scores and the reflected drop in score that occurred in XXXX. My student loan service has provided that there is nothing from their end that would have resulted in this acute change. Discussions with the credit reporting agencies ( as well as pulling these reports myself ) would allude to my student loans being the culprit for the significant drop in my scores noted in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard yet back from these Companies yet ; this has been over 42 days ago.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions 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:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-06-17
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started out by getting a catalog in the mail anonymously from XXXX XXXX I then impulsively without going through my payee opened up a credit line is my own guardian which I have the ability to do racked up a bill pay you was upset it's all paid off now XXXX sent me the items I ordered then after I ordered them and they were sent to me to return them in good condition they claim they never got them back so they charged me finally wrote off the account to Jefferson capital system 's LLC XXXX XXXX will not negotiate or work with me or my payee they were very unprofessional and dare I say threatening and rude I will never go through them again the interest rate was really high if anybody 's victim they were the criminal and I was the victim because they sent me and reached out to me and targeted me with the credit line and the actual catalog. Also Jefferson capital systems LLC worked with my payee and I only got it all paid off letter of confirmation is coming your way to credit bureaus to listen derogatory Mark of the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery harrass me with consistent phone calls from multiple numbers multiple times a day, I already sent in a monthly agreement and pay them a monthly amount to pay off debt and get a paper statement to prove that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
American Express Serve Card- 45 transactions were made over night between XX/XX/2018. Woke up to a negative balance alert on my phone, shocked because I had just got my direct deposit the XX/XX/XXXX, i quickly contacted the bank and because some of the transactions were still on hold. Outrageous amount were charged, XXXX , {$60.00}, XXXX , etc .... amounting to a total of XXXX . My transaction alerts didnt even work or alert me. I sent in the declaration of fraud right then and then and am still at it, since XXXX. I have again began the dispute and still am getting broken links to upload the documents, even have faxed the paperwork various times to the numbers provided. Also filed a identity theft report and sent it to them too along with copies of emails with the merchant, who also acknowledge that the account that was used to purchase the gold coin packages for that establishment was indeed made with a false name and email. To this date I continue to get the runaraound.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX {$2200.00} XXXX {$1200.00} XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: KAHRS LAW OFFICES, PA
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
in XX/XX/2019 my mother phoned me told me she had received a letter from Kahr 's Law Firm in XXXX KS addressed to me. I do not and have not lived there. She mailed it to me. I received letter around XX/XX/2019. It was a debt collection notice regarding a payday loan I took out at XXXX 'XXXX XXXX XXXX XXXX in XXXX, KS. I phoned Kahr 's Law Firm on XX/XX/2019. I was prompted to leave a message. I left all required information request as " not to be put on the bottom of the my list '' as she said it. All required information includes my phone number, place of employment, name and last four numbers of my social security number and I would like to make payment arrangements. I wanted to settle my debt sooner rather than later so I phone XXXX XXXX XXXX XXXX XXXX in XXXX, Ks spoke with XXXX he agreed to settle on pay off amount of {$340.00}. My mom went to XXXX XXXX  XXXX XXXX  XXXX next morning XX/XX/2019 and Paid in full. Debt is paid. I have receipt. I had not heard from Kahr 's Law Firm ever actually so I thought the matter had been resolved. Then, on XX/XX/2019 my mom phoned me telling me a sheriff visited her house wanting to serve me a subpeona to appear in court for said debt still owed. Sheriff did not serve papers as I was not there again as I do not and have not ever lived there actually XXXX XXXX XXXX XXXX   XXXX had a complete different address on file. I phoned Kahr 's Law Firm spoke with XXXX she requested I fax receipt to her as I did the next day. I phoned Kahr 's Law Firm to comfirm their receival of receipt. No one answered. I left message voicemail to please call me. I phoned XXXX at XXXX XXXX XXXX XXXX  XXXX in XXXX as that is where they handle the collection matters. XXXX told me was paid off and she would phone Kahr 's Law Firm. I spoke again with XXXX shortly after that. She told me she spoke with XXXX at Kahr 's Law Firm told her debt was settled and if I owe anything it would be between Kahr 's Law Firm and me. I phoned Kahr 's Law Firm after that XXXX answered I told her I my name and that I just spoke with XXXX at XXXX XXXX  XXXX   XXXX  XXXX, she asked me to hold and either she hung up on me or we got disconnected this happened XX/XX/2019. I phoned back she did not answer nor did she ever call me back. I phoned XXXX County District Court in XXXX on XX/XX/2019 spoke with XXXX she told me my court date is XX/XX/2019 and that the papers from Kahr 's Law Firm regarding debt they claim I still owe with XXXXXXXX XXXX XXXX XXXX   XXXX  was filed XX/XX/2019 and again payment to XXXX XXXX XXXX XXXX XXXX was made in full on XX/XX/2019. Today is XX/XX/2019 and I have not heard from Kahr 's Law Firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX {$2200.00} XXXX {$1200.00} XXXX {$2400.00}

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 2019-06-17
Company: Experian Information Solutions 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:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX ( Original Creditor : 11 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 explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX ( Original Creditor : XXXX 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 explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: NC
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 previously sent three dispute letters to Experian in XX/XX/XXXX in regards of this XXXX XXXX XXXX account with account number XXXX in the dispute letters I sent Experian I told them that this item needs to be deleted because it's inaccurate because XXXX  and XXXX  has this account opened on XX/XX/XXXX but experience has this account opened on XX/XX/XXXX so I told them this was an accurate and it needs to be deleted but they said it was not going to investigate into the subject 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 2019-06-17
Company: EQUIFAX, INC.
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:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it  this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX  XXXX   XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to contact this collection agency, CHASE CARDMEMBER SERVICES asking them several times to send me vertifiable Proof ( Original Consumer Contract with my signature on it ) stating this debt of {$2100.00} is mine. I sent ( 4 ) different  letters asking for the information to be sent on XX/XX/2019, XXXX XXXX, XX/XX/2019 and XX/XX/2019. They have failed to positively verify this account which has hurt my ability to obtain credit. CHASE CARDMEMBER SERVICES continuously sends bills and collection letters in the mail that DON'T belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me with a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: HI
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 couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice.  Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX  XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
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:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX XXXX XXXX  XXXX, XXXX 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 explanation