BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
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:
Experian and XXXX are reporting incorrectly a collection from XXXX XXXX, XXXX for {$3100.00} partial account number XXXX. ( Please see page 33 of the attached credit report. ) Attached is a copy of the Receipt from XXXX XXXX XXXX XXXX XXXX, showing a payment of {$1200.00} was received on XXXX2019. This payment reflects this account has been settled in full. I was assured that once I made this payment the reporting bureaus would delete these line items from my credit report. I have contacted the bureaus to fix this on my credit report, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Please look at complaint XXXX originally submitted in XXXX. I just received an email from CFPB that Navient responded and the case is closed. Please read my feedback. Nothing has been accomplished. Navient is not honest in its dealings and CFPB just seems to go with it no questions asked. They are saying my sister never called them, and she has on several occasions and left messages as the phone number they provided just records messages. No one ever calls her back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: WA
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: Didn't receive services that were advertised

Complaint:
In early XX/XX/XXXX, like most people, I found out about the hack of personal information at XXXX. The first day it was available, I checked the site that informs you whether they thought your information was among the data stolen, and did receive confirmation that my information was stolen. I was told to return to the site on XX/XX/XXXX to enroll in their TrustedID Premier credit monitoring system for free. Given the uncertainty around what legal rights I might give up by agreeing to sign up for the system at the time, I delayed my enrollment until later that week. Once I filled out the online form, I was informed that I would be contacted later to complete the set up process. 

On XX/XX/XXXX, I received an email from Equifax, noting that I need to click on a link within the email to complete the set up of my account, and that it would only be valid until XX/XX/XXXX. I immediately clicked on the link, but the web page that loaded noted that the system was unavailable at the time, and to try again later. I have attempted to complete the set up now for every day, at multiple different times of day, for the past six days, receiving the exact same " system unavailable '' message every time. An XXXX number provided in the email for questions diverts you to a voicemail system that is too full to receive messages. 

Equifax has had nearly a week to increase the capacity of their system to handle the load of the number of people applying for their service, yet it remains completely inaccessible. What 's more, with the deadline they imposed on signing up, every day that the system is down is one less day available to sign up. I am concerned that it has now been several months since my information was stolen ( and I do not even know to what degree it was stolen ), yet I am still unable to take protective action with the company that let it happen. What 's more, every day that goes by that people can not sign up for the service is another day that people will certainly forget about the need to complete their account setup. 

The theft of this data has already been shown to be the result of blatant incompetence in information security. The fact that the meager defenses against the use of this data remain unavailable for this long should be bordering on criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
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:
To Whom It May Concern, My name is XXXX XXXX and I am writing to delete the following fraudulent 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 XXXX. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received an email from capital accounts trying to collect a debt of {$340.00}. 
I responded a couple hours later requesting some very important documents that tie me to this debt. I requested : ( 1 ) a copy of every contract and/or agreement, including, but not limited to, ( a ) an informed consent for medical treatment and ( b ) financial responsibility agreement, signed by XXXX XXXX XXXX and me XXXX XXXX , ( 2 ) a copy of all actual bills sent from XXXX XXXX XXXX  to me XXXX XXXX with tracking numbers ( e.g., certified mail return receipt number ) or other proof of mailing ( e.g., affidavit of mailing by individual who mailed it ), ( 3 ) a copy of all pre-certifications and billings sent to insurance companies and a copy of all payments received from insurances companies for the alleged debt, ( 4 ) a copy of the record ( i.e., the amount paid and date of payment ) for any co-payment made by me XXXX XXXX to XXXX XXXX XXXX, and ( 5 ) a detailed itemization of the amount that they are attempting to collect, including but not limited to, procedure type or medicines or other items and their respective costs. Said contract or agreement must be with the original creditor and signed by all parties involved. 



They responded XX/XX/XXXX with what look like a computer generated statement that any one could easily create in a software. I have attached a copy of their response to this complaint for you to look at. I have also attach a copy of the initial email they sent to me and my response requesting the specific documents.

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 2017-07-05
Company: Santander Consumer USA Holdings Inc.
State: MN
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:
Good Morning, I writing to state my concerns. I had a car loan and it was repo and the car was picked up and sold I never hear from them again after that. I checked my credit and showing balance and charged off and still reporting past due and two different balancing on credit and it was charged off in 2013 they are reporting on my credit. I sent three cert letters and they sent nothing back helping the to support and things that I put on letters. Satander is the company I writing about. So I wondering what my next step is if it is charged off then why is it still showing on y credit as late payments and past due. If they charged it off and they told me in my dispute they charged it off in 2013. balance with satander is XXXX and some change. or the other balance XXXX I do n't have balances in from of me right now but I have to them someone contacts me. This account is showing activity when its was to be charged off in 2013. I have the three letters that I have sent to them and nothing as been resolved at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: I.C. System, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Reported a debt I have no knowledge of.

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 2022-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited a check for {$3000.00} on XXXX XXXX, the same date the check was made out for. The check was from the school district I am employed by, who also uses JPMorgan Chase Bank.The next day, I was notified that a hold had been placed on my deposit until XX/XX/2022. I went into the branch with the check to figure out why I was having this issue, and was directed to the customer service line specifically for removing holds placed on deposited checks. They notified me that the funds were not made available by the payor of the check. I contacted my employer today, XX/XX/2022 and was told that the funds were available. She called Chase bank and they confirmed this. After my employer notified me of what Chase told her, I called Chase again. I was given the same information, the funds were not available and I would have to wait until the XXXX there was nothing else they could do even though both the payor and myself bank with Chase. After checking their website, I found that they state the longest hold placed on a check deposit should be 7 business days and that at least {$250.00} of the amount should be made available by the second business day. I feel that the misinformation I have been given and the fact that they are withholding my paycheck for 12 days warrants a complaint and would like action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Experian Information Solutions 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:
To Whom It May Concern : I have called XXXX XXXX XXXX XXXX spending several hours on the phone with representatives and managers re : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with XXXX, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XXXX In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XXXX & XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. XXXX has taken no interest in resolving this issue, and I feel hopeless as a consumer as XXXX reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Paramount Recovery Systems, L.P.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: JPMORGAN CHASE & CO.
State: IN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or about XX/XX/2021, I noticed several transactions on my Chase Visa card that I had not been made. After checking with my wife ( the only other verified user of the card ) that they were not her transactions, I reported the fraudulent transactions to my credit card company. They refunded the charges and issued me a replacement card. 

Sometime after XX/XX/2021, I received a follow-up letter from Chase in which they determined that I was liable for one of the transactions. Upon reaching them, I requested information as to why this determination was made. They informed me that it was their determination that the order made to XXXX was to me. I informed them that I did not have an account with this website ( confirmed by attempting password recovery with the e-mail addresses used by my wife and myself. None of those addresses had an account at XXXX at that time. ) They were finally able to provide me with the relevant order number in question ( XXXX ) so that I could contact the merchant for more information. 

The merchant website, unfortunately, did not seem to have a phone number. I registered for an account using my e-mail address so that I could use their live chat function. I've attached the transcript where the agent provided me with a tracking number thru XXXX, which showed that the item was delivered to XXXX, Florida, some XXXX miles from my home. I have no family or friends that live in XXXX. ( screenshot of transcript attached ). 

I provided this information to Chase 's fraud department and they committed to reopening the case with the new information. 

On or about XX/XX/2021, I received a letter indicating that they would not be reversing the charge and that they still believed it to be proper. As such I am opening this case to attempt to get some resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to place disputes on my credit via fax to XXXX, Equifax and XXXX. Online and on XXXX, fax numbers are given, but all ring busy or are saying " the line is no longer in service. '' This is misleading and highly inconvenient, in addition XXXX : XXXX NEVER allows you to upload documents. It continues to give an " ERROR '' message when trying to upload documents that are within their required parameters. This site is fraudulent in my opinion, not allowing it to be used at all on purpose. This is the 21st century and not everyone feels comfortable with sending highly sensitive documents ( ie. Social Security, Identification cards, etc ) in the mail. Mail has been proven to be tampered with, stolen, inconsistent, and so on. We need to be allowed and assisted to submit our important documents DIRECTLY to these agencies via FAX and/or UPLOAD ONLINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received a letter from XXXX XXXX, XXXX XXXX XXXX, stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, XXXX FCRA XXXX XXXX b ) ( XXXX ), this item must be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: Navient Solutions, LLC.
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:
Credit Union Rejected Loan Application or increase in credit due to a low credit score and has incorrect information regarding student loan payments which has gone on for 20 years because of the XXXX situation. 

Credit Union XXXX XXXX XXXX XXXX XXXX ) uses XXXX to report and submit credit lines. Yet they are not connected to XXXX, XXXX ( security ) for privacy safety issues. 

Since they use XXXX, I lost points as I paid for XXXX for over a year trying to gain credit points, but the Credit Union didn't allow a connection to my account to see how I paid my bills. 

This cost points. They use the money, but they do not participate in the XXXX XXXX XXXX ( {$240.00} yr ) could have assisted a climb in my credit score. 

I've paid off loans, and as much as the COVID system has allowed, I pay my bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: IL
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:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX  on my Acct # XXXX is fraud. XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( 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 2019-08-08
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My husband received a phone call on his work phone multiple times and all tough he repeatedly asked to not call his employee paid for work phone the calls continue. The agent XXXX also threatened him with legal actions if the bill wasnt paid today. 

I called the number back on my personal phone and my call was met with an abusive collection agent. Saying that they had a bill form XX/XX/XXXXand that the last time I spoke with them was in XX/XX/XXXX An didnt that I lied to them about paying the bill. Again threatened with legal action. 

When asked what the bill was for at first they were not sure and then said that it was for a XXXX I had in XX/XX/XXXXbilled by the assistant in the XXXX room and denied by my insurance.

Company response to consumer: Closed with explanation