BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: MA
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:
CREDITOR DISPUTE CREDIT INFORMATION XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX, believes that the account I had with the determined creditor was posted as either a charge off, or has excessive late payments that were deliberately placed after I got involved with XXXX XXXX XXXX. What happened is that XXXX XXXX XXXX let these accounts go into a charge off status before they came up with a settlement arrangement. Therefore, the charge off status on these accounts were caused from a pre-arranged relationship with XXXX XXXX XXXX and the original creditor and/or debt buyer. This is a collusion business practice where the consumer can not successfully negotiate herself out of debt without a long-term derogatory statement on her credit report. Accordingly, I believe that each creditor must fulfill a fair solution to the creditor arrangement now posted on Equifax, XXXX  and XXXX XXXX respectively. 
XXXX ) The original creditor must delete the prior-payment history completely. 
XXXX ) A date certain must be stated as to when the credit tradeline can be removed. 
XXXX ) The charge-off status must be deleted permanently. 
All creditors maintain a subscriber agreement with the credit reporting agencies. These creditors must comply with all legal guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act pertaining to credit reporting on all consumers. However, the charge off status was forced by the debt negotiations company, and the late payment excessiveness was by design, not by any action from me personally. Accordingly, I believe the following actions by the original creditor on all credit updates will be fair under the circumstances : 4 ) The original creditor must delete the prior-payment history completely.

5 ) A date certain must be stated as to when the credit tradeline can be removed.

6 ) The charge-off status must be deleted permanently. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On X/XX/2017 I went into the Chase Bank branch located at XXXX XXXX XXXX , XXXX, IN XXXX to open a Chase Ink credit card and accompanying Chase Total Business Checking account. At time of opening I provided a coupon which was mailed to me by Chase, offering a {$300.00} bonus for the opening of a Chase Total Business Checking account. When the bonus had not posted weeks later, I contacted the branch. This branch proves extremely difficult to reach, as they never answer the phone, and have no voicemail system. On the 11th attempt, my call was answered. I asked why the bonus would n't have posted, and was told that no coupon was attached to the account opening. After reaching a dead end with the banker I worked with, and the branch manager, I contacted Chase corporate. In so many words, they told me that the branch where the account was opened would have to remedy it, but that they were sure they would. I tried contacting the branch again, to no avail. A few days later, my personal banker assigned to me by Chase called me to check in and ask if there was anything I need assistance with. I told him about this issue I was having with the bonus not posting, and he promised to look into it. After doing some research, he called me back and informed me that he regrettably was unable to do anything on his end. At this point I escalated the dispute with Chase corporate, and received a call back from XXXX. She promised to look into the matter and to contact the branch on my behalf. After a few calls back and forth with XXXX, she informed me on XXXX that the branch was refusing the honor the coupon, claiming that I did not produce the coupon at time of opening, which is not accurate. I have a photo of the mailer I received and which I provided at time of account opening. The mailer clearly states the coupon code and bonus amount. I would be happy to email a copy of this photo to all concerned parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: Experian Information Solutions Inc.
State: AZ
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 Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. XXXX Has had me on it since they bout out the original debt. Please help update that amount.

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 2018-12-02
Company: Experian Information Solutions Inc.
State: FL
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 response to a previous complaint, Experian JUST sent me results in the mail that DID NOT correct the MANY VIOLATIONS on my report! ( So, this is not a duplicate complaint -- it's in response to VERY RECENT POSTAL MAIL. ) They totally disregarded the violations! There are : accounts reporting as OPEN and CLOSED -- please explain how this is possible and why they're still on my report! There are accounts with multiple violations, including different dates, DIFFERENT balance amounts, DIFFERENT account open/close dates ... ..ETC.! Accounts with CONFLICTING INFO & VIOLATIONS ARE SUPPOSED TO BE DELETED. See attached document!!

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 2019-11-22
Company: Student Loan Financial Assistance
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Student Loan Financial Assistance called about my son 's student loans. He had some personal issues and dropped out of college and wasn't working. This company Pretendending to be a government agency said no problem they can set up a repayment plan. {$110.00} for 4 months the {$77.00} a month for 9 months. After about 7 months I received a letter from a collection agency because Student loan Financial Assistance wasn't paying on my son 's school loans. That's when I realized i was scammed. They even had control of the id and password at https : //myeddebt.ed.gov/borrower/leftMyAccountMenuLoginAction.action. I emailed them and said i no longer want to pay into there payment plan. That was about a month ago. Now again they are E-mailing my Son. They want to help him get on a payment plan. We haven't contacted them and won't be. I did ask them to send my money they got from me back ... nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: WELLS FARGO & COMPANY
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:
My Name - XXXX XXXX D.O.B - XX/XX/XXXX Social Security Number - XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family ACCOUNT NAME - Wells Fargo sucured credit card DATE OPEN - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER - XXXX ACCOUNT NAME XXXX XXXX XXXX DATE OPENED - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER COMPANY INQUIRIES XXXX  - inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX-inquiry Date XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX - inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX - inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX XXXX  inquiry Date XX/XX/XXXX XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXXinquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX. Inquiry Date XX/XX/XXXX XXXX  XXXX - inquiry Date XX/XX/XXXX XXXX XXXX XXXX - inquiry Date 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 2020-01-05
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:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-11-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Amazon Prime Store Card issued by Synchrony bank has been charging me a Security fee without my permission. 

This has been going on since i opened the card XXXX of this year.

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 2017-05-29
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  TALBOTT, ADAMS, AND MOORE INC fo r reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: AES/PHEAA
State: NE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am currently in negotiations with XXXX XXXX who owns the loan that AES is servicing. I have also told the company ( AES ) numerous times to send all communications through my attorney in writing along with his contact information. They continue to email me with attempts to collect the debt and report negative information on my credit report. They are jeopardizing these negotiations between the owner of the debt, myself, and my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
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 have submitted disputes to Experian and XXXX  to no avail to remove erroneous accounts from off of my credit report. They are in violation of the FCRA.

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 2019-11-22
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied to rent an apartment at XXXX in XXXX XXXX while it was still under construction in XXXX of 2019. My application was denied and I never moved in. A few months later I noticed that I had a collection on my credit report for a security deposit for XXXX. I have disputed this item and had it removed from my credit report several times only to have Transworld Systems Collection Agency continue to put it back on my credit report. I am tired of disputing it and want it removed for good. I dont understand how they think I should pay a deposit for an apartment I never lived in. If their story is that the amount was to hold the unit, that would also be senseless because again, the building was still under construction at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: HI
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:
OneMain Financial sent me a preapproved letter for a loan. When I went to the website for the loan, it says that I wasnt approved at all for the amount listed in the letter. The letter stated that I was preapproved for a loan for {$5000.00} unsecured. When I went to their website and inputted their preapproval code for the {$5000.00}, it asks me to click on the box for credit report. I did not know that this would end up lowering my credit score. After clicking the box and pressing enter, it says that Im only preapproved up to {$2000.00} secured. This is a deliberate bait and switch tactic so that I would end up having a hard inquiry on my credit report with a misleading letter. I wrote to the OneMain Financial with a response dated XX/XX/18. They will not delete the hard inquiry since I clicked the box on the website. I felt I was misled into thinking that I would have an unsecured loan for {$5000.00} but ended up being approved for {$2000.00} secured. I called the manager here in our local office about the loan itself. She asked me about my car and how much it was worth and I decided that I didn't want it. She still told me that the inquiry will be stuck on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: PA
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEAPRTMENT AMERIFINANCIAL SOLUTIONS Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) af
ter the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be con
strued to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AMERIFINANCIAL SOLUTIONS Reported : XX/XX/2019 - {$1400.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: CITIBANK, N.A.
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
Received Citi Cards ( Master Card ) bill for XXXX with purchases made in XXXX XXXX XX/XX/XXXX for $ XXXX not by us. Resolved! XX/XX/XXXX XXXX XXXX & XXXX XXXX TX for {$65.00}, UNRESOLVED!! After several calls to Citi Cards Customer Service XXXX. Phone calls were bounced all over U.S. Finally wife got someone she could not understand because of accent. Their response was I transfer you to someone in U.S. Received letter from Citi ( R ) Cards dated XX/XX/XXXX and received XX/XX/XXXX stating their Investigation was over and we will now be billed for {$65.00}. The following info provided for you. Invoice # XXXX, XX/XX/XXXX Shipped Standard Ground, Waybill # XXXX. Tried tracking on Internet and got no where. Second item at XXXX for same date for {$32.00} Invoice # XXXX, XX/XX/XXXX Standard Ground, Waybill # XXXX. Haven't been billed yet. These look like XXXX games. Citi Cards was sent all required info they requested and authorization not to pay XXXX XXXX and XXXX from us. No XXXX Games were ever received by us as we did not ORDER!

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 2018-12-01
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: Account status incorrect

Complaint:
Please see my previous complaint regarding XXXX reporting my balance incorrectly. They responded saying they updated the balance, however, I just received a notification from Equifax that they reported the account as closed. This caused my credit score to drop 30 points! Please correct this. The account should be reported as Open, pays as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I reported my card lost between XXXX -XXXXXXXX PTS and was told I would receive a new card in 7 business days, About two weeks went by and contacted customer service and was told to wait 7 more business days and dont know why it was never shipped, a week later still no card I called and was told it would be shipped and received within two business days, called again today XX/XX/2018 and was told I wasnt notified about the card delay on a problem on their side and was shipped regular mail. This 3rd attempt didnt acknowledge my past contacts and just kept telling me to wait till next week after having to make an phone appointment with the manager and compicated {$10.00} credit.

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