BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In 2015 I requested a copy of my ( XXXX ) credit files from each of the bureaus via XXXX but only received my report from XXXX in which I found a judgment from XXXX County Court for an account that I knew nothing about. Whilst investigating this information I approached XXXX County Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Experian make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX I XXXX I am trying to submit a disputes on this accounts because accounts not related to me, but Experian said accounts was verified and not accept any disputes on this accounts, supporting documents was sent to experian but they are rejected to dispute this accounts anymore

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 2022-05-20
Company: Central Portfolio Control Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, On XX/XX/22 at XXXX a.m. EST I was notified by text by my credit monitoring service ( XXXX XXXX ) of changes to my credit report : a new account had been opened. I was alarmed because my only recent attempt at opening a new account was rejected by thee lender. Therefore, I knew that this was not due to my own actions. I immediately reviewed my credit report and found that a collections report had been filed on XX/XX/22 in the amount of XXXX. 

The agency is Central Portfolio Control. The creditor is XXXX XXXX XXXX according to my credit reporting service. 

However, the issue that I am formally reporting to you is that the FDCPA was violated because I was never notified in writing of my rights to verify the debt, dispute it and was never given notice of it. 

I only became aware of this debt through my monitoring system 's fortunate ability to notify me that this collection had been posted to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The XXXX of XXXX for XXXX have no record of any documented debts owed by myself..

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 2015-05-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A debt dating from XXXX has been relisted on my credit file by XXXX XXXX. This debt has passed its status of limitations and had already been removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
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: Was not notified of investigation status or results

Complaint:
I have submitted dispute letters and i have yet to receive anything about my results. I feel there has more then enough time to send me my results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that XXXX XXXX sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did XXXX XXXX not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, XXXX XXXX, to pay me for the years of bad credit ruining my chances of investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
No heath care bill is owed to anyone, this is false and no verification was ever provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On the XX/XX/2016 XXXX XXXX weekend. My Chase debit cards were stolen. And my information was hacked. Someone applied fraud claims against my Chase accounts and also applied for credit cards and loans. I called Chase about this as my usual direct deposit was frozen in my account and taken by Chase. Chase forced me to pay {$200.00} to clear this claim to keep my accounts. I informed Chase there is a {$2000.00} claim on my account that I did not do additionally to the first claim I paid {$200.00} for. Again I am located in XXXX not XXXX where these withdrawals were made from my account after the claims were made. After I settled this {$200.00} claim all of my Chase accounts were closed. I informed Chase several times that my information was stolen and I would need new cards and to possibly change my accounts. I never received any new cards from Chase. Chase came back to me stating I owe the amount of {$2000.00} that I informed them that I did not file this claim and the {$2000.00} they are levying against me is null and void because I did not have my Chase card. XXXX I did not file the claim and XXXX I did not withdraw money from the account as I explained to Chase I live in XXXX not XXXX where this took place. Because Chase is a huge company that continually attempt to bully customers and I will not take that. They should be called to mat for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: DISCOVER BANK
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Have paid my bills on time and have not been late. All my student loans are under one company XXXX, there should not be multiple loans showing. Have paid off XXXX bills XXXX, XXXX and XXXX these also need to be talking off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a fraud dispute on XXXX/XXXX/2016. XXXX actually deleted the account from my credit report but Transunion failed to conduct a proper investigation and the account still remains on my credit report. It only took Transunion two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.

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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.

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 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
In attempting to correct some serious issues with my credit report, Trans Union did not complete the correction satisfactorily. When I called the number listed in the Investigation Results, not only was the service person rude, she refused to listen and refused to give me information about myself or to correct the inaccurate information. I was trying to put a consumer statement on my account and she refused. I tried to update my address correctly ... as part of the original investigation they updated it, but did not update it correctly. She refused to correct it and refused to give any additional recourse to have it corrected. When I told her I would be filing a consumer complaint about this situation, she then threatened to then return additional information that had already been corrected and removed in retalliation. Her name is XXXX. She would not give any further information about herself or her position/title. I have been working with Trans Unition since XX/XX/XXXX to get this information corrected, from XXXX, as a service member XX/XX/XXXX. This has become a serious issue for my work and XXXX as it has become a question with my security clearance and should n't be. The information in contest is incorrect and needs to be corrected to reflect my actual history. I would appreciate any help in getting Trans Union to fulfill their obligation and either correct the information or place my consumer statement as is my right by law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: ALLY FINANCIAL INC.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My name is XXXX XXXX XXXX telephone number XXXX or XXXX address is XXXX XXXX XXXX XXXX SC XXXX email address is XXXXXXXXXXXX XXXX 2015 I was contacted on my cell XXXX by an automated dialer from number XXXX Ally financial XXXX times with a span of 1hour on all occasions .. this is considered harassment. They are only to contact my XXXX a day between XXXX and XXXX I am requesting {$10000.00} for the XXXX offenses after the XXXX call. Total {$3000.00}. On XXXX the called my home telephone # XXXX as well by an automated dialer XXXX times as well. I am requesting {$10000.00} for the XXXX offenses after the XXXX call. Total {$3000.00} ... ... .I 'm requesting XXXX on for this date On XXXX I was contacted by an automated dialer from Ally financial from XXXX on both my cell phone XXXX and my home phone XXXX XXXX times I 'm requesting {$6000.00} total for this dateOn XXXX the contacted XXXX more on my cell phone XXXX from XXXX $ XXXX would like a total of {$14.00}, XXXX Engage in any conduct, the natural consequence of which is to harass, abuse or oppress. ( FDCPA 15 U.S.C. 1692d ) Cause a telephone to ring an unreasonable amount of times ( FDCPA 15 U.S.C. 1692d )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Showing a balance which was paid i XX/XX/XXXX from XXXX XXXX XXXX for XXXX a XXXX account in XX/XX/XXXX which is not mine it belongs to another XXXX XXXX . I never had XXXX then, only XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX F XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX A XXXX XXXX # MEDICAL XXXX # XXXX XXXX F XXXX DOB XXXX XXXX XXXX, FL 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 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX XXXX is refusing to delete derogatory information from my Trans Union Credit Report until XX/XX/XXXX. The account was charged off in XX/XX/XXXX and has been paid in full. Attached is a copy of my report showing that XXXX XXXX account # XXXX is not set to be removed until XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
School : XXXX XXXX XXXX XXXX XXXX, XXXX, NJ. 
I have multiple private student loans with JPMorgan Chase. Approximately a year before this incident, I received notification that servicing of these loans was being transitioned over to XXXX XXXX XXXX ( XXXX ). XXXX of these loans came due in XXXX. XXXX sent a notification of the loan coming due via email on XXXX XXXX. I called on XXXX XXXX to ask about deferment/forbearance options. XXXX sent me a form for forbearance that was the wrong form ( it did not apply to my situation in the slightest ). At this time, I became busy with many other things ( I an an XXXX working XXXX hours a week and I have XXXX other student loans I 'm following ) and forgot to call back regarding the form. 

XXXX sent no additional notifications that the loan was due, past due or about to default - I received no calls, emails or mailings regarding this. ( With every other loan servicer I have ever had, I have received multiple calls, emails, and/or mailings warning me of past-due accounts. ) On XXXX, the loan apparently defaulted and was sent back to Chase for servicing. I received a 'notice of acceleration ' from Chase stating the following : '' You are in default of your student loan contract. We previously advised you to cure the default [ in fact, neither they nor XXXX 'advised ' of anything - I received no notifications/warnings whatsoever regarding a past-due account or default, only receiving an email from XXXX on XXXX XXXX stating that the loan was coming due ] and you have not done so. '' They go on further to state that the entire balance of {$33000.00} is being 'accelerated ' and is now due. 

This default *did not* occur because I do n't have the money to pay on this account - I can easily make the original $ XXXX monthly payments and told Chase that I would be happy to make these when I called regarding this 'acceleration '. They refused to accept the monthly payments and are demanding the full balance be paid now. 

Out of the XXXX student loan accounts I have, this is the only one that is past due or in default. I simply want to be able to make the original monthly payments on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion reported my inquirys deleted on my credit report then all the sudden reinserted them back weeks later. I was never notified in writting about the change. I 've been doing research and found that this is against consumer credit laws. I 'm requesting for them to be removed as previoisly reported.

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 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have had a debt that was suppose to come off of my report XX/XX/XXXX. account was opened XX/XX/XXXX. according to the credit report last year, it showed when it would be removed. the reporting agency also said I made a payment when I did not. all I did was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple hundred less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for 4 more years and changed the dates for updated and dates closed to XX/XX/XXXX. SAYING OPENED ON THAT DAY AND CLOSED ON THAT DAY. originally it said closed on XX/XX/XXXX. they have done that with XXXX of the reporting agencies and it has come off on another.

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 2016-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I can not print and view my full credit report online. There is also a name XXXX XXXX XXXX. Which is not mine. This person had stolen my identy a couple of years ago and her name was supposed to be removed from my credit report and it 's still showing on my credit report. Please remove her name and I the collection companies I.c and remex has been paid in full. This should have been moved from my credit report years ago. I wish to have this resolved ASAP as a I am looking for proper housing and need good credit. Please contact me at XXXX. My full name is XXXX XXXX XXXX. Your immediate attention be greatly appreciated. 


P.S. this identity theft person XXXX XXXX XXXX committed this crime twice and went to court twice. 
Thank you 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 2016-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am unable to access my annual free credit report online, place a security freeze online, dispute an item online with TransUnion. Every time I try to access any of these services which should be free ( except adding the security freeze ) online I get an error. I have contacted Transunion customer service numerous times and they not helped with determining what the issue is with my access to online services. They either do not have or refuse to provide me with any technical support regarding their website so I can access my information.

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 2017-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Trans-union Reporting agency placed information on my credit concerning XXXX and XXXX being behind in payments in XX/XX/XXXX, i only fell behind XXXX time in that time period and it was placed on my credit showing XXXX days past due in XX/XX/XXXX & XX/XX/XXXX. Now its placed back on their again in XX/XX/2017 as if i was just late with my payment, this was corrected by me and all applicable statements and proof that this account was no longer in these creditors were not in this status was provided to them in XX/XX/XXXX. My payments are current and the date that they have listed on the account as last paid is also incorrect. The last payment made on both of these accounts were in XX/XX/XXXX. This is not correct on my credit and its painting a negative image to my name as if i was XXXX payments behind with both of these creditors. Please see attached for XXXX im locked out of XXXX and unable to get credit history for submission.

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