BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
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: Account status incorrect

Complaint:
My credit report showing XXXX and XX/XX/2021 i was 30 days late with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX was victim of XXXX  XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to XXXX credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX and TransUnion and XXXX have incorrect information on my credit report and refuse to correct it. I've also been victim of my information being breached by credit reporting companies but they refuse to pay me for my time to fix my credit. I've been victim of identity theft because of this

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 2016-09-14
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recieved a call from a XXXX XXXX claiming he was collecting for his client XXXX mutual. Call back number is XXXX ext.XXXX claim number XXXX. He claimed I had been in an accident back in 2015, but I was n't. He had an old address of mine my full name but wrong date of birth. I have brought this to my car insurance awareness already and I was hoping this agency could futber look into this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BANK OF AMERICA XXXX Balance : {$6800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2017-03-02
Company: Global Credit & Collection Corporation
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Keep receiving harassing and suspicious robocalls from so called Global Credit & Collection Corp. from the phone number XXXX almost every day. I have no past due debts with any creditor and I have not received late payment letters from any financial institution or any other. Have n't received any official document or letter from that company either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: GA
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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions

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 2022-09-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer reporting agency can not furnish an account without my written instructions.

Company 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 2016-11-24
Company: First Data Corporation
State: MO
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
Returned check amounts for XXXX are showing as unpaid balance.Telecheck Services were held accountable for illegal services, and innacuracies against consumers. Sued for failure to follow guidelines for check reporting information ; Telecheck was required to pay consumers fees in return for innacuracies. Suit was filed in XX/XX/2014. Several checks that Telecheck states are unpaid, but have been paid are still pending as balance owed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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: Information belongs to someone else

Complaint:
I had my identity stolen multiple times one incident a XXXX XXXX a XXXX XXXX XXXX man stolen my identity out of the XXXX XXXX XXXX area he was arrested and sentenced to 9 years in state prison after that I have never been able to get my credit reports back on track Im have a specially hard time with XXXX credit reporting services they are blocking me from disputing anything and I have to go through one person which is a XXXX XXXX and she never returned my phone calls, so I am stuck on fairly with a bad credit report due to this man and other people stealing my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have requested XXXX, on numerous occasions, to update and correct my credit report. XXXX has refused to further investigate my dispute after I have provided supporting documentation. Additionally, no source of verification has been provided. 

I received a reference number from XXXX ( # XXXX ) that my information has been updated with correct information. I spoke with Account Manager XXXX XXXX on XXXX XXXX, 2017. He can be reached at 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 2022-05-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear Sir/ Madam I am writing you regarding my most recent XXXX  money transfer which was initially place on the XXXX of XX/XX/2022 ( Chase wire tracking number : XXXX ). I was advised that the fund will be available to the recipient in XXXX business days but that was not the case. This transaction was for an emergency family support abroad but the delay from the bank as now costed me a great deal of inconvenience. I have called the bank customer service number of times to trace the fund but they were unable to assist. I was advised by the customer service that the delay was caused by the recipient bank ( XXXX XXXX ). My recipient also contacted his bank every single day and he was advised by XXXX bank that there isn't any international XXXX transfer showing on their system which means the delay / disruption is caused by sender party ( JP Morgan chase ). I also popped in to the local brunch but they could not trace the transaction either. After weeks of waiting, I have called the customer service today and instructed them to recall the transaction. Customer service started giving excuses such as " I may be charged extra interest by the recipients bank " which I find quite bizarre as the money never reached the XXXX! 
May I have attention from an senior management about this issue and request a full investigation? I also demand a full refund of my transaction as a matter of urgency! 
XXXX has asked JPM Chase to forward trace the fund and find out exactly where the money is or simply recall the fund.when I called the executive office they told me chase already sent the wire now my receipt r has to find out where the money is which doesnt make any sense as the tracking number they are providing doesnt even work. there is an element of fraudulent activities either from the wiring department or the branch where i sent the money from. Took over a month and no money was transferred this is not normal. Someone should be held responsible.Please help me out getting my funds back from this fraudulent bank. 
Yours XXXX XXXX Phone- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company, IC System is trying to collect for a pet health plan that I nop longer want yet they keep renewing. I am not interested, as I explained to XXXX XXXX XXXX in keeping this plan, yet they continue to : '' auto-renew '' it. When they would not stop billing me or harassing me on teh phone, I changed my credit card number to stop teh fraudulent charges yet they continued and have now placed this with a collection agency damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have paid an account with XXXX and reinstated my service with them and disputed this with the credit reporting company but it ask questions about personal history for security reasons and says I have a mortgage but I do n't have a mortgage and never have had one. When I say no it says my information does n't match so I ca n't submit the dispute and this account is negatively affecting my credit report when it has been paid for months now. Please help me fix this. It 's hard enough to make it these days without things like this happening.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Coastline Financial Resources, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
calling family members about a very old debt, and telling them, they are looking for me and if they do n't serve me papers I will have a warrant for my arrest. old credit card debt from years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I ca n't get my credit report on this site. 
I also noticed on a other site on authorized user account I 'm being held responsible for the debt which is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my free report. I thought I was in the process of getting my free report, but when I went to get it on line, I was told I had already gotten a free report. I do n't believe within the past year I have done this, as I have nothing on my computer or a hard copy of anything from this company.

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 2022-09-16
Company: CCF Intermediate Holdings LLC
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this account. I asked that it may be removed. 

Avio Credit Inquiry date : XX/XX/2022 I have no knowledge of this inquiry. I disputed it and asked that it be removed, XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this and asked that it may be removed. 

XXXX XXXX Bank. 
XXXX date : XX/XX/2022 I disputed it and have no knowledge, I ask that it be remove from my credit report. 

XXXX XXXX File : XXXX XXXX XXXX Inquiry Date : XXXX XX/XX/2022 I have no knowledge of this inquiry and asked that it may be removed from my credit report. 

XXXX XXXX Account : XXXX Reporting 17 Late payments Actions taking : writing goodwill letters that I was strongly impacted by the coronavirus. I lost my job. And was also XXXX. I offered medical records. 
L

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Lefkoff, Rubin, Gleason & Russo, P.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account balance owed with XXXX XXXX was {$7000.00}. I called XXXX XXXX to get th balance paid to improve my credit report and they gave me the contact information for lawyer office that had my account. I reached out and spoke with XXXX XXXX about setting up an agreement to pay the balance. He told me that I had no choice but to pay a high amount for the payment plan. I kept advising him that I could only pay {$120.00} per month. After months of him telling me that he would have to see is XXXX XXXX would agree with the amount for monthly installments, he finally said that XXXX XXXX approved my request to pay {$120.00} per month. When I would call XXXX XXXX, they would tell me they no longer had my account. However, XXXX XXXX makes it seems as if the account has to be approved by XXXX XXXX for payment agreement. He advised that I was not allowed to mae any payments until the agreement had been sent to me in the mail and signed and returned to him. It took over two months for the agreement to arrive to my home after calling XXXX XXXX to ask about the status, he said he would resend it. The agreement was made to pay {$120.00} per month with the first check processed on XX/XX/XXXX. I had paid {$120.00} every month thereafter. I had missed the payments in XXXX and XXXX then sent a {$250.00} check to the company onXX/XX/XXXX. I confirmed with the agency speaking with XXXX XXXX and he agreed to reach another payment agreement. We confirmed the payment arrangement would be {$120.00} every month moving forward on XX/XX/XXXX. The balance had been paid down to {$6300.00} at this point. I was served with a complaint filed from the collection agency/lawyer on XX/XX/XXXX. I asked XXXX XXXX if I could pay the {$120.00} until I receive the new agreement of payment by XX/XX/XXXX ( per his request ), he told me that would not be a good idea to make payments towards the balance until the letter is received and signed then returned back to him. I filed an answer with the state court to confirm the balance on XX/XX/XXXX to avoid judgement not disputing the debt owed. XXXX XXXX sent me an email onXX/XX/XXXX stating that my balance with all fees and costs will be : {$7200.00}. The principal balance on the account is {$6300.00}. The balance with fees and costs is higher than what was owed to XXXX XXXX initially. The balance owed for my debt is {$6300.00}. Now I am getting this charge off reported on my credit report every month since XX/XX/XXXX. I am a XXXX  mother just trying to pay this debt off so that I can move forward. I am unable to find housing because of this chargeoff and it seems to have become a heavier load on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In reference to this Complaint number ( XXXX ) that was submitted on XX/XX/2022 and a response from Experian on XX/XX/2022 stating a reinvestigation would take place, giving them XXXX. It is now XX/XX/2022 and has been pass 30 days with the reinvestigation results. That is a violation. 

I have asked for description of procedure of the dispute that was investigated. The representative on the phone said Im not allowed of such information. According to 15 USC 1681 ( G ) ( A ) I have the right to know everything on my consumers report.

I have asked them to verify the payment history on this account and they have failed to do so.

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 2015-12-03
Company: JH Portfolio Debt Equities, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i requested the creditor to verify the medical bills were mine. they sent me papers without my signature, social security or any self identifying information ( ie, drivers license or state id ). they also have me listed as " self-pay '' but i was group insured through my employer at the time ( XX/XX/XXXX-XX/XX/2013 ). i have asked them to verify this as my debt because it is reporting in my credit files. and in reading the itemized billing items, they overcharged for an MRI-they have it listed as # XXXX and i know an XXXX generally costs {$1200.00}. This is not my debt and I would like your help to investigate this bill.

Company response to consumer: Closed with explanation