BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone tried to open a PayPal Credit account and this letter ( attached ) was sent to me saying it was not approved due to unable to verify my identity. Used an old address in which the letter eventually got forwarded to me at my new address.

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 2022-02-06
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: Their investigation did not fix an error on your report

Complaint:
I have tried to report fraud on several hard inquiries, even inquiries on accounts that were removed and the inquiries still remaining. I did not authorize the hard inquiries and I want them removed. I am only asking for fraudulent and false inquiries to be removed.

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 2017-08-17
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 is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but XXXX and experian has not.

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 2017-10-24
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XXXX/XXXX/17, I received an alert from my credit monitoring services indicating a new account was added to my credit profile. After reviewing, I noticed an account from XXXX XXXX was added. I have received no communication from XXXX XXXX regarding this alleged debt! This company did not follow the debt collection process allowing me to request the appropriate debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XXXX of XXXX EOS CCA sent a letter regarding a debit owed to XXXX. Upon receipt of this letter I called this company as my only account with XXXX is paid and up to date. My immediate reaction was to request proof of this debt to resolve this issue as when I called XXXX they had no record of this. This took place XXXX XXXX, XXXX. Following that conversation I heard nothing from this company until this week, when I received a letter date XXXX XXXX, XXXX that provided a copy of a bill for service in the amount of XXXX dated XXXX XXXX, XXXX. This bill not only lacked any detail to identify what services were in theory provided, but also was for service that I never lived at or received services at. When I brought this to the attention of XXXX, they said they could do nothing as they had already sold the debt and it did not matter that their error caused this. I spoke with a XXXX XXXX and XXXX XXXX ( XXXX ). I was supposed to receive a call from a XXXX XXXX but have not received a call. When I spoke with EOS CCA. They did provide me with an extensive amount of work to do to correct their error, but their only acknowledgment of the delay was it was how long it took their customer to provide the proof. Additionally, they refused to provide me an accounting of all the people that had access to my PII. When I asked for supervisor in their consumer relations department I was promised someone would call me back, an XXXX XXXX XXXX XXXX XXXX, within 24 hours. This was 3 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: TN
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 need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX  has my addresses correct and most of my older accounts, but XXXX and Equifax and XXXX do not. If XXXX could share these records with the other bureaus my information would be more correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
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 information incorrect

Complaint:
XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but equifax and XXXX has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hippa Violation!!! I never signed anything too release my information too a collection agency and or 3rd party

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 2017-08-17
Company: Weinberg Mediation Group LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got a call today on my cell phone and when I answered it they man named XXXX XXXX told me that he was with the fraud department and and my County XXXX XXXX XXXX or suing me there was a warrant for my arrest and he said it twice he did not tell me what company he was with all he told me that he was with the fraud department and I was being sued by XXXX XXXX XXXX and I asked why then he told me it was a credit card that I 've never even heard of that was taken out in 2015 and I told him I do n't I do n't know anything about it and then he told me that then he told me that I was going to be summons and I was going to court then he asked where I worked and I told him I do not work and he told me that they 're going to garnish my wages take my property take everything I have and then he told me is it well then he asked me how do I make a living and when my next check was going to be which I do n't work I explain to him that I lost my house in the flood and I 'm doing everything I can right now to get everything back together and he told me that I need to check my credit report and then he gave me my social security number over the phone the whole number and then he told me that I need to pay something today to stop proceedings and you ca n't do nothing if I do n't give them all my banking information I asked him to send me something in the mail told me that he did and that is being ignored which I have not gotten anything in the mail and then he asked me for my family members and close friends I need to ask them for money I need to give him the information and I told him I ca n't that I really do n't have any family members left but my parents are dead and he told me that I have a few days to cough up that {$520.00} I believe he said it was or I 'm going to go to court go to jail and be sued and then to call him whenever I want to give him my banking information over the phone and I said okay and thank you well the reason I know the name of the company is because I accidentally called back and he answered that with the proper name which was the winberg meditation group and I have it was an accident he called me right back and asked why I told him it was an accident he said accident right well this name this number came up as such and such and you need to tell XXXX XXXX that information I gave you on the phone you understand me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Experian Information Solutions Inc.
State: MA
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:
About 4 yrs ago i was a victim of identity theft my credit was being pulled and account were made that was not me their also alot of inquiry that i did n't authorize from XX/XX/XXXX till XX/XX/XXXXlike car loans credit cards and other agencies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: United Collection Service, Inc (FL)
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An unpaid item in the amount of {$780.00} was placed on my credit report ( s ) by XXXX XXXX TN and is currently held by United We Collect Inc. The account was 'opened ' XX/XX/2016. I have attempted to contact both XXXX and United We Collect multiple time and have never received a response. 
I have not taken an ambulance ride ever and none of my dependents have taken an ambulance ride. I would like for one of the companies to provide me with information on this debt or have it removed from my report ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried, unsuccessfully, for many years to get all three credit bureaus, XXXX, Experian and XXXX XXXX to eliminate false/fraudulent information off my credit report. I even paid lawyers to try to help, see attached. They stonewall, refuse to respond or simply will not remove the false information. They are paid by the companies, so they just keep it on, KNOWING it is fake, KNOWING they can not produce and legal documents showing the fake accounts are mine. I have tried in XX/XX/XXXX, XXXX and XX/XX/XXXX, again in XXXX of XXXX. Then in XXXX of XXXX and XXXX of XXXX. No matter how many letters i write, demands via attorney, proof I was hacked as part of a XXXX data breach, they will NOT remove the false 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 2021-08-24
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried, unsuccessfully, for many years to get all three credit bureaus, Equifax, XXXX  and XXXX XXXX to eliminate false/fraudulent information off my credit report. I even paid lawyers to try to help, see attached. They stonewall, refuse to respond or simply will not remove the false information. They are paid by the companies, so they just keep it on, KNOWING it is fake, KNOWING they can not produce and legal documents showing the fake accounts are mine. I have tried in XX/XX/XXXX, XXXX and XX/XX/XXXX, again in XXXX of XXXX. Then in XXXX of XXXX and XXXX of XXXX. No matter how many letters i write, demands via attorney, proof I was hacked as part of a XXXX data breach, they will NOT remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On  XXXX   XXXX     2017 i recieved a email from TrueAccord. They state that  i owe a balance with  XXXX . The email was written in such a manner has to convince me that they will threaten me both physically and try to ruin my reputation. They stated they would use any means available to collect the money they say is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
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, For the last month, I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty, inaccurate/incomplete information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact. Apart from that, my new credit report has addition incomplete/inaccurate information. Either the creditors can not verify the address they have on their file for these accounts or this company blatantly violated FCRA. Clearly, on my credit report, they are showing " address identification number : NOT AVAILABLE ''. They are showing " Not Reported and No Data '' as well. These are just some of the proof that this company violated FCRA blatantly! Attached is a copy of the first letter I sent them and a copy of 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 non-monetary relief
Consumer complaint received 2022-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I found two unsigned checks during moving ( one is {$1.00} and the other is {$600.00} ). Since I forgot whether they were deposited or not, I decide to deposit them to my Chase checking account, ( where I usually deposit checks and the bank should save the information of my past transactions ), and let the bank tell me if they were deposited or not. 

However, I was charged by {$24.00} fee several days later ( {$12.00} for each check ). I was so shocked since the fees are imposed by the bank for nothing! While my balance increased temporarily after my scanning the two checks via Chase app, I did not use or move the money. Further, fees were deduced for a stale check that was not deposited before. During the whole process, the bank did not incur any loss but still charged me by directly deducting my account. 

I tried to resolve the issue by calling Chase customer service and visiting the local branch, but was told they could not do anything. I have been an active Chase customer for 8 years, and I am really disappointed with the deterioration in the bank service recently. We customers have to to sign voluminous agreements when opening an account, but it doesnt mean the bank has the right to charge customers at discretion, or we customers have to the accept those unreasonable charges. 

While it is a small money, for a multinational bank like Chase, a few dollars for each account can be aggregated to be a considerable number! Hope CFPB could help look into the issue! Look forward to hearing from you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
About 4 yrs ago i was a victim of identity theft my credit was being pulled and account were made that was not me their also alot of inquiry that i did n't authorize from XX/XX/XXXX till XX/XX/XXXX like car loans credit cards and other agencies

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 2017-08-17
Company: Servatus Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I completed a fraud package with XXXX and sent it to them. XXXX sent me a letter stating that they would remove the account from my credit report. At one point it was removed. Credit Solutions has placed it back on my report with a fraudulent date of XXXX XXXX, 2013. The previous debt is over 8 or 9 years old.
Credit Solutions is using fraudulent means to collect a debt. Credit Solutions Cor Opened XXXX XXXX, 2013 - {$260.00} Original creditor : XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. Balance {$260.00} Highest Balance {$260.00} Opened XXXX XXXX, 2013 ( 4 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX See an error? You could dispute an error with XXXX. GO TO XXXX Creditor Information CREDIT SOLUTIONS CORP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Duncan Solutions, lnc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Had an XXXX on my vehicle it was never detected by the toll system and a bunch of them went into collections I was not aware I thought they were bills. Id like to remove them from collections and the fees removed so I can pay them via my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello! I am writing because I am a victim of Identity theft. I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EQUIFAX, INC.
State: TN
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 opened a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX. I turned that lease in a few months early to XXXX XXXX XXXX where the lease originated in favor of a new XXXX XXXX XXXX Truck. My remaining balance was rolled over into the new XXXX purchase. I have been disputing this claim of balance owed for 3 years. They have provided no proof or validation of debt. They refuse to work in conjunction with the dealership where lease was purchased and the dealership claims no responsibility that their paper work is correct showing i owe nothing and remaining balance was rolled over to new purchase. I am extremely frustrated as this affects my credit and my ability to purchase a vehicle. The first numbers on the account are XXXX and the wrongly reported balance is XXXX. They have never filed for collection on this account nor provided any proof to there claim other than what their computer says. They've been extremely combative and unwilling to fix or investigate the issue.

Company response to consumer: Closed with explanation