BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgment on my credit report with docket XXXX for a paid collection with XXXX XXXX XXXX in the amount of {$2500.00}. It shows that this judgment was filed on XXXX and paid on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received one document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/2021, the mobile phone received a text message confirming a purchase of a chase credit card. I didnt know it, so I sent a text message to reject the transaction, but I checked the bill and found that a previous purchase had been made successfully. The consumption amount was {$1200.00}, so I Contact Chase customer service, they said they would investigate, the amount was temporarily removed, but after a month, the charge was recharged, I contacted customer service, they asked to submit the alarm record, after I submitted it, they said it would take 90 days to investigate, and the result is now all 9 months have passed and no investigation results have been released

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a tax lien for XXXX dollars that I do not have or owe. I have not received any notices or any documentation from the state or city of a tax lien. All my taxes are current, I do not owe any back tax money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX is not being reported correctly again. The date the account allegedly was opened is confusing and looks to be in error. The application was signed XXXX/XXXX/XXXX however they are alleging the account was opened XXXX/XXXX/XXXX. The full payment history including all of the credit card statements were not submitted as per XXXX XXXX. The billing practices are in question now, due to not giving full disclosure on the biling and the payment history which was also requested with Case XXXX.Where is the proof that they confirmed the open date of the account. There all sorts of inaccuracies and incomplete items regarding the reporting. The credit bureau indicates the account was opened on XXXX/XXXX/XXXX. For all of XXXX up to XXXX XXXX how can I assume the reporting was done properly and correctly. 
Equifax is not properly reporting the date the account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
Discover is overstating my current balance. They list the following information. 
Last statement balance : {$240.00} Recent transactions : {$69.00} Recent payments and credits : - {$25.00} Current Balance : {$370.00} If you do the math that amount should be {$280.00}. There is only a pending charge for {$9.00} showing on my account so it ca n't be due to pending activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: ProCollect, Inc.
State: FL
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 move out from my apartment, I move to a different state. I terminated my lease. The apartment complex charge me early termination fees and more. The manager of the apartment sent out final bills to the wrong address, I never received a final bill from them or phone call. Years later I check my credit report and I notice a collection company trying to collect in behalf of the apartment complex. I did not denied that account is mine. They are charging me {$6600.00} dollars in termination fees and other fees. However, I have a Lease Contract Addendum that states I will only pay {$2100.00} as a early termination fee. They waived their right to charge anything else. I 've tried for a long time to get this corrected and the collection company will not call me back, i leave voice mails and no reply back. They just reported to the credit reports again XX/XX/XXXX that I still owe {$6600.00} dollars but they wont call me back. They keep damaging my credit and because of them I can not buy a house. I need them removed out of my credit. They do n't want my money then close the account and have them stop reporting negative incorrect information to my reports.

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 2016-09-22
Company: Miller, Stark, Klein and Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX continues to call me and leaves threatening voice mails. They tell me they 're looking for me but do not have my correct SS number. I tell them I 'm not the person in question and to please do not call back. 
They have ignored my requests. Is this my only recourse?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a discover card at one time many years ago. The Discover company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This XXXX " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called CASH. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the XXXX " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am XXXX and this has threatened my employment and standing in the XXXX. Since they have been playing games with the same XXXX. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my Attorney XXXX XXXX in XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Recently I mailed the " Annual Credit Report Request Form '' ( found on the CFPB 's website ) to the address on it and requested copies of my XXXX and TransUnion credit reports. I have a pending CFPB complaint about XXXX not providing corrected or timely copies of my report to me. Therefore, this complaint is about TransUnion 's failure to provide me with a copy of my report in response to my request for one as described. I received a non-specific form from somewhere in XXXX ( XXXX again? ) demanding my social security number in order to get my free copy of my Trans Union report. No credit agency is allowed to keep, use, store or provide my social security number to XXXX parties. I have not granted TransUnion this permission and will not, given that its interest in making money off of my personal information is contrary to my interests. Moreover, I have lived at my present address for over a decade and Trans Union has sent copies of my report to this address during this time. Although I supplied my birthdate on the form, as noted in my pending complaint against XXXX, however, it illegally maintains a false birthdate for me and has refused to investigate it, to remove it, or even to reveal the source of it to me so that I can take corrective action. So, possibly, XXXX illegalities concerning my birthdate, may also be preventing me from getting a copy of my credit report from Trans Union. But for whatever, secretive reasons, TransUnion has not provided me with a free copy of my credit report, despite the fact that I requested one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Using XXXX letters I disputed a collection with XXXX to a XXXX balance. It was removed and placed back onto my report unfairly. The credit breaus denying the removal but I have proof in a screenshot.

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 2016-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion has failed to update an address, and released unauthorized credit information to the XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. At no time after 2007 have I authorized any of these entities to receive credit information. The only entity on my credit report that has a legitimate interest is XXXX, who has a small revolving line of credit for about {$1000.00}. 
Someone needs to go after these unauthorized entities. I do not now, nor have I authorized any insurance company to pull credit reports, nor have I authorized the XXXX to pull credit reports after 2007. 

Another problem is the address. I provided proof of address to Transunion, but their web server refused, it and threatened me, indicating I have viewed my credit report four times. 
The correct current physical address while visiting XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX, CA, but this is not to be seen, and Transunion wo n't update it.

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 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX agreed to delete this collections off of my report. This has not been done by Transunion. Enclosed is the letter.

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 2018-05-27
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX is showing a balance on a charged off as well as closed account XXXX XXXX XXXX bank is reporting incorrect information on my credit report 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 2015-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A collection agency XXXX XXXX is reporting false information on a debt I do not owe. I have proof that my insurance company paid this claim back in 2011. This collection agency is reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
credit report agency is not reporting positive credit that i have had since XXXX from dollar bank also i have been to XXXX XXXX and XXXX banks and no one can see or obtain a credit score what was mailed to me from transunion was a fair score but inaccurate it should be slightly higher if positive credit was being reported then in return i could refinance my home and purchase a new car in that order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a car in XXXX and had it financed threw nuvell. I paid on time until I got separated from my ex and he agreed to make my car payment instead of child support. He paid for XXXX months and in XXXX XXXX I came out and saw my car was gone. I called XXXX and they told me my car was under repo since it had not been paid on in months and it was just not in there system as picked up yet. I found on my credit that XXXX put the entire {$12000.00} loan as a charge off instead of a repo. I have tried for years to get this fixed and they will not do anything about the account. They also report a payment was made on XXXX/XXXX/XXXX but there was n't. They took the car XXXX/XXXX/XXXX. That would be XXXX months after it was taken. I paid {$15000.00} on the car when it was purchsed at {$12000.00}. I didnt still owe the {$12000.00}. They sold the car and will not post it as a repo and just put the amount I have supposedly left.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
For the school year of XXXX my great aunt paid my tuition balance in full, she has tax information proving the following. However she is currently in XXXX so there is no way for me to get the tax documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is ignoring my requests to investigate and remove accounts from my credit file that do not belong to me.

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 2016-02-14
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
While reviewing my EXPERIAN, EQUIFAX AND TRANSUNION credit report, I noticed an unauthorized and fraudulent inquiries conducted by ALLY FINANCIAL ( Tel : XXXX ) on XXXX/XXXX/2016. I did not authorize employees of ALLY FINANCIAL to review my credit report for nay purpose at any time. Further, I personally contacted this company and requested that they provide me with any signed documents authorizing them to review my report within 5 business days and they have failed to do so in clear violation of my Civil rights under FCRA and PRIVACY RIGHT. As a direct result I have continued to suffer irreparable economic loss due in large part to the gross negligence of ALLY FINANCIAL acts and Omission.

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 2016-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 'm a victim of identity theft so there 's a lot of increasing on my report I already contacted the creditors and they said they already send out letters to the creditors to remove the increase that does n't belong to me and for some reason XXXX and XXXX not removing them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed XXXX - XXXX directly with XXXX three times, filed a complaint against them with the XXXX, the CFPB and the Attorney General in Texas. I am irate because they have not responded to any of my complaints via phone call, email or mail. How can they do that? 

This account needs to be deleted on my credit report before I hire an FCRA attorney to file a lawsuit against 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 2015-08-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my home loan in full XXXX XXXX, 2015 to Bayview Loan Servicing in the amount of {$360000.00}. I have not received a lien release or the return of my promissory note. I have repeatedly called and requested both documents. They refuse to even tell me when I will receive them. At this point I am helpless to clear the title on my property. There must be a period of time within which they are required to provide these documents. Please assist me in obtaining them to clear title to my property

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Of the XXXX agencies only Experian showed on my annual credit report that I owed money to a debt collector which I never did owe in the first place. Their website gave me an opportunity to dispute the findings so I did and a few days later they sent me the same credit report again with the word 'updated ' on it but the debt was still on the report. So I sent a letter to the debt collector asking them to tell Experian that I did n't owe any money. I waited a XXXX. I could not figure out how to find out if the debt had been removed by way of Experian 's website. It is impossible to conduct nonstandard business with Experian through their website. So I wrote a letter to Experian and included in the letter all the personal information that they needed to validate my identity including my social security number, a copy of my driver 's license and a copy of my electric bill. XXXX days later they sent me a letter claiming they had received a suspicious letter in the mail concerning my credit report and that in effect they would no longer conduct any business with me through the mail. That was a XXXX and a XXXX ago and I have n't heard from them again. My overall experience with Experian has been that any complaint that I make to them is just thrown back in my face by a computer. I think they are trying to sidestep my complaint either because it is an inconvenience for them to repair my report or because they hope to get money from me in return for repairing my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief