BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-16
Company: ERC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
From : XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX . 
XXXX, XXXX XXXX Email : XXXXXXXXXXXX Telephone # XXXX To : Chase Credit Card member Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Chase Credit Card # XXXX On XXXX XXXX, 2016, I used convenient check # XXXX, issued by XXXX credit card, payable through XXXX XXXX to transfer a balance from Chase credit card # XXXX. I send check # XXXX, in the amount of {$6400.00} on XXXX XXXX, 2016 to Chase Card Services. Chase credit card tried to cash check # XXXX twice on XXXX XXXX, 2016 and XXXX XXXX, 2016. Check # XXXX, was returned to Chase Credit card uncashed for insufficient funds ( NSF ) reason. 

On XXXX XXXX, 2016, I had a conference call with XXXX credit card account manager and Chase credit card account manager, during the conference call, Chase credit card account manager confirmed to XXXX credit card account manager that check # XXXX was returned twice uncashed due to NSF. XXXX credit card account manager told me that he will open a special internal case about this check. 

On XXXX XXXX, 2016, I called Chase, spoke with an account manager from the payment department, she stated that they tried to cash check # XXXX once, it was returned on XXXX/XXXX/2016 for NSF. 

On XXXX XXXX, 2016, I received a letter from Chase stating that check # XXXX was never cashed. See attached. 

On XXXX XXXX, 2016, I received a letter from XXXX credit card stating that check # XXXX was cashed by Chase card services on XXXX XXXX, 2016. I called Chase credit card around 11 times and they assured me that the check was never cashed. See attached cleared check and confirmation from the FEDERAL RESERVE SYSTEM. 

I am writing to you to investigate the matter, since I have been going back and forth between XXXX and Chase credits cards since XXXX XXXX, 2016, without any positive results. All I am asking for is to get a credit from Chase for {$6400.00}, since check # XXXX was cashed by Chase on XXXX XXXX, 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent certified letters out over 60 days ago and have not been notified. As a consumer i feel like these people are takeen advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
fraudulent names and address was use to open fake account

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 2020-08-16
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 reported that I had a delinquent loan never paid and which was in arrears to all credit agencies for a loan I NEVER APPLIED FOR and which THEY DENIED to begin with. I called XXXX XXXX and was told that I would have to FILE A COMPLAINT IN WRITING which could take up to 90-days to investigate! Further, they have no process by which to submit follow up evidence of their XXXX up. 
I also filed a dispute with all the credit reporting agencies who also have no process by which to submit follow up evidence of XXXX XXXX XXXX   fraudulent entry. Also they closed my dispute without any actual investigation or call to me for follow up 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 explanation
Consumer complaint received 2020-08-16
Company: AMERICAN ADJUSTMENT BUREAU,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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I took out a loan with XXXX XXXX in 2009 and have not received my MPN yet. I asked for it monthly for a while, and have maybe made 100 requests over the last seven years. Sometimes I 'm told by the person on the phone they see no such request. Sometimes I 'm told they do n't know why it was not sent. Sometimes I 'm told it was sent and I ask them to confirm my address and I 'm told there is no way of doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent certified letters out over 60 days ago and have not been notified. As a consumer i feel like these people are takeen advantage of 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 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent certified letters out over 60 days ago and have not been notified. As a consumer i feel like these people are takeen advantage of 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 2022-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violating my rights 15 USC 1681 section 602 A states I have a right to privacy and 15 USC 1604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX {$220.00}

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 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As previously notified I am a victim of identity theft

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 2020-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX charged my card {$290.00} instead of {$190.00} agreed price with discount. This is fraud. Also Chase closed my account 2 weeks ago and immediately locked me out if inlune access and refuses to send statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Rock Creek Capital, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXXXXXX ( which owns Rock Creek Capital , LLC ) is trying to collect a phantom debt from former XXXX XXXX lessee 's that have returned their vehicles years ago and satisfied any remaining amounts owed. XXXX has not provided any record of missed payments or any of the other bogus charges they are claiming. I have been the victim of robo- calling and harassment with threats to my credit score for a debt I do not owe. I am one of many people and this has to stop the FTC and XXXX needs to put this company to an end of its bad practices because it's an abuse of people who have paid their bills. 
Amount disputed {$360.00} My weekly payments had to be paid otherwise XXXX XXXX would not have collected the vehicle and they took my {$250.00} deposit per the XXXX XXXX leasing agreement, my business with XXXX XXXX XXXX was satisfied 3 years ago. I do not owe anything to either of these scammer organizations and anything else is phantom debt. This should be a class action lawsuit at this point. 
My attached document is further proof that the alleged charges are false because they do not align with XXXX XXXX Lease agreement. Also Stated in my contract in Section 9 is that this is a lease that could be terminated early for the fee of the deposit {$250.00}. This was highly marketed in the media outlets. 
See Below from the XXXX XXXX for example : https : XXXX " According to XXXX XXXX XXXX XXXX head of Vehicle Solutions , drivers pay a security deposit of {$250.00}. Unlike with traditional auto leases, theyre not locked into multiyear contracts. If a driver decides to terminate the lease early, he or she forfeits the {$250.00} deposit, with no other penalties. '' How could owe any additional fees ( early termination and sales fees? ) that this company has listed but not verified? The answer is I clearly do not. Please discharge and remove. Stop this company from hurting innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not consent nor sign a contract to be a cosigner to a Student loan belonging to XXXX XXXX XX/XX/XXXX through Navient XXXX XXXX, PA XXXX, I want this loan information immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reported that I had a delinquent loan never paid and which was in arrears to all credit agencies for a loan I NEVER APPLIED FOR and which THEY DENIED to begin with. I called XXXX XXXX and was told that I would have to FILE A COMPLAINT IN WRITING which could take up to 90-days to investigate! Further, they have no process by which to submit follow up evidence of their XXXX XXXX. 
I also filed a dispute with all the credit reporting agencies who also have no process by which to submit follow up evidence of XXXX XXXX XXXX  fraudulent entry. Also they closed my dispute without any actual investigation or call to me for follow up 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 explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2021-02-19
Company: SYNCHRONY FINANCIAL
State: FL
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 XX/XX/XXXX My wife had to have a procidure and my regular insurance did not cover it and the Doctors office while my wife was there told us about Care Credit, So we proceded to give them our credit information for the procedures that came to {$3000.00} and when we finish were aproved and the terms as to there promo was 24 months payment of {$150.00} wich included interest for a total of {$3600.00}, During our payment Schedule in XXXX, we came in to the pandemic and care credit C/S call us to see if we wanted to take advantage of a one month payment deferment and we accepted and no mention of penaltys, We continued to make our payments untill XX/XX/XXXX and further, In XX/XX/XXXX, after making the payment we called Care Credit C/S because we notice that we had made all our payments and we should of had no Balance and they proceded to tell us that we had a penalty of {$2000.00} for not paying or making our last payment on time in XX/XX/XXXX All thought our last payment was to be in XX/XX/XXXX because they gave us a one month deferd payment as mention before about the pandemic.Now as mention ( Check off ) before above we have tried to resolved this with Care Credit and there BANK, with no success, We will try to attach our recipts and our payment records with this form if not we shall mail and hope that your office can assit us in this matter .. T/Y

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 monetary relief
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. I was never late on this account. There are multiple errors. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update as OPEN - never late. 

XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-01-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This loan was taken out in 2010 and I was a co-signer with my mother who 's XXXX old now. The Loan was for {$5000.00} and was paid leaving a balance of {$1800.00}. OneMain Financial is calling an amount of {$3900.00} that owed. This is false and needs to be corrected. This account is showing on my credit is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions 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:
I am a victim of identity theft, please see attached FTC reports and proper identification I have never owned a car and I do n't drive

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 2020-08-16
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For about two years now, National Credit Systems , Inc in XXXX, GA has continuously and repeatedly attempted to coerce and induce me to pay a debt of {$2700.00} which I do not owe. National Credit Systems , Inc. has repeatedly failed to validate and substantiate my Contractual Agreement with them, bearing my signature. Their blatant disregard and exploitation in filing negative information on my credit profile with all  the credit reporting agencies has continued to cause me and my family pains, costing me opportunities for good jobs, and financial pains and inability to even rent an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I quickly checked on quicken loans- rocket mortgage website with out authorizing any credit check abilities. XXXX XXXX authorized there was a hard inquiry by said company. I did not authorize this and it knocked my credit score by 46 points. I was looking into buying a house and this will really mess up this process. Very unfortunate because I had no business with said company. They tried to call me at least 3 times before the credit check was done. I did not answer any of them, because I did not want to do business with them. This should not be considered a hard credit inquiry when I did not approve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 notified the credit bureaus that i am a victim of identity theft, I also sent my identification social security card and my FTC report. 
2nd request and this is the second time resending all the information again

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 2020-01-13
Company: CREDIGY USA CORP.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation