BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/23. XXXX responded to my request to freeze and delete my file they have on me. 
They say, As of the date of this letter XX/XX/23, the disputed information my bankruptcy was removed from your file with XXXX. 

I then disputed my Bankruptcy XXXX XXXX with Experian and on XX/XX/23 Experian claims that XXXX certified to Experian that the information is accurate. 

Now how can XXXX certify that information is accurate on XX/XX/23 when XXXX deleted it on XX/XX/23. They cant. 
I challenge the certification, accuracy, verification on the account Bankruptcy XXXX. 
After reviewing this information, once my Bankruptcy can not be verified I want it deleted immediately from my Experian 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 2023-11-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been having fraudulent charges on my account and I called CHASE bank and informed them that I did not authorize the charges that I had disputed and each time they have held me responsible for these charges. I was never given any written authorization that bear my signature that I authorized these charges. As a consumer I am suppose to be held XXXX fraud liability for charges that I didn't authorize. I am suppose to be protected under the fair credit billing act which my rights a consumer has been violated. I am now complaining to FTC, CFPB and the FEDERAL RESERVEBOARD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received an invitation to apply for a business American Express card. I applied online I use my XXXX number, before I use my XXXX number I read all of this disclosures and nothing in there say anything about pulling my personal credit for an American Express business card once I submitted the application, I received a alert from XXXX saying I have a hard inquiry from American Express. This was on XX/XX/2023. I immediately call XXXX and explain to them that I never gave my Social Security number out. I only use a XXXX number. They explain to me that I have to reach out to American Express to get a deletion letter. I called them and told them to withdraw my application and I need a deletion letter. They told me that they can not do that because I gave them my XXXX number that told them to run my personal credit, I told them no it does not because I never gave you my Social Security number. They also stated that in the print disclosure it's in there I went over the print with a representative. And I did not see nor read anything about using my personal Social Security number for this card. I canceled the application because I felt that they misled me by me using my XXXX number, and that was a trick to my personal credit. So now I have a hard inquiry that I feel is fraud I don't want any problems with American Express. All I want is them to delete it off of my credit report that's all and that's why I explained to them that I wanted a deletion letter but they said no so XXXX gave me this information and told me to contest it through you all, so please help me because this is wrong. I have a business credit card that I use my XXXX number and they never ran my personal credit so for them to tell me that is what happens when you feel out for a business. Credit Card is not true. please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX Transworld responded to my request to confirm I owed them a debt with a letter stating that the referenced account XXXX was placed in a restrictive status to prevent further collection activity. I know that according to 15 USC 1692j ( a ) that it is unlawful to design or compile and furnish any forms creating false belief that I owe Transworld Systems Inc. I have granted this company many chances to resolve this matter. Yet this account is still on my consumer report. The document clearly does not provide evidence of indebtedness to this organization. Any attempt to collect this alleged debt can be considered fraud because I do not even know how or why they are contacting me and reporting this horrendous information on my consumer report. Every letter I have submitted has tracking information attached to it so I know that my disputes are being received. Therefore I will not accept an excuse to why this matter is not already resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX I received emails from U S. DEPT OF EDUCATION informing me that my XXXX XXXX CASES HAVE BEEN APPROVED. XXXX XXXX XXXX case lawsuit. Pursuant to the XXXX settlement the DEPARTMENT OF EDUCATION are to discharge all federal student loans. On XX/XX/2023 I received a letter directly from XXXX XXXX SERVICES VERIFYING THAT THEY HAVE 100 % XXXX MY LOANS. MY ACCOUNT XXXX  IS XXXX. 
PLEASE CALL XXXX. 
VERIFY THE ABOVE INFORMATION AND FOLLOW THE LAW AND DELETE ALL STUDENT LOANS FROM MY CREDIT FILE

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 2023-11-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681 section 602 A states that I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FOWARD TO YOUR RESPONSE.

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 2023-11-02
Company: Kriya Capital, LLC
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Company : XXXX XXXX XXXX Amount : XXXX Opened : XX/XX/2023 Company is not a legitimate company. A previous dispute of the same amount was removed and deemed not legitimate. Information from the original company was sold to them. This account was also set up for a TX residence. I have proof of residence in LA. 

All of credit bureau reports have been frozen for over a year. There is no way a new account could have been opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to this company multiple times asking to prove that this is my debt. i haven't received any responses. I have never opened any accounts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Braviant Holdings, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXXXXX XXXX  XXXX XXXX continually reports this is my debt. Balance credit {$1600.00} acct # XXXX tried to handle this formally but you are not willing to to help me. Ive filed a report with the federal trade commission, XXXX and police report all will be attached. Please stop reporting to to my credit report or I will be forced to take legal acting after this. This is not my debt Im sorry and I hope you find the right person. But this has to stop delete and do not contact me or report this under my name any more. Take it up with XXXX police department. The documents you provided is not even my signature. You are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: SameDay Auto Finance, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. Same Day Auto has avoided liability of furnishing incorrect information to the credit reporting agencies far too long and if this information is not removed, I will be filing a statement of claim against your company. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence for account SAMEDAY AUTO XXXX. I initially sent a dispute letter XX/XX/ detailing the inaccuracy and unethical practices of your company and you failed to acknowledge my dispute. Last month I submitted a cfpb complaint XXXX, and you gave a generated response and provided no validation or explanation to the reporting of incorrect payment history, date last active, and loan balance. I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached dispute letter, which is dated, and time stamped, my 3-bureau credit report which shows the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Received our Annual Escrow Account Disclosure statement from our loan servicer, Lakeview Loan Servicing , LLC on XX/XX/XXXX. After reviewing it we came to find that they grossly misjudged the projections for our school taxes for XXXX. They projected our school taxes would be {$120.00} when actually it was {$2600.00}. They were increasing our monthly payment to collect the escrow shortage of {$2700.00}. 

I called our loan servicer, Lakeview Loan Servicer ( XXXX ), on XX/XX/XXXX to try and make the escrow shortage payment in full. When I called their was an automated message stating the company has been hacked and they have no access to our personal information. When I finally spoke to a representative she had no idea when customers would be notified of the hack and could not access our loan. 

Since XX/XX/XXXX I have not received any official notice from the company that their has been a data breach. There is no way to access our loan online to make payments, and no one answers the phone. 

On XX/XX/XXXX at XXXX I received an email from Lakeview Loan Servicing XXXX they had created a new website that was able to be used for customers to make payments, and they stated we would need to reenter our bank information. This website was only accessible by clinking then link in the email. We have no way to tell if this website is real or part of the attack. I tried calling them at their number XXXX and it goes to an automatic answering service that asks for your last 4 SSN to verify you. When input the call is automatically ended. When I Called back it then asked for either my loan number or full SSN to verify my account. After I entered in my loan number it said my loan could not be found. There is no way to speak to a real representative. There is no way to pay our mortgage or to know if our personal confidential information has been leaked.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, my account was closed months ago but I have never received a check for the remaining funds. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a loan with XXXX XXXX XXXX that I paid off 3 months early in XX/XX/XXXX. For some reason XXXX XXXX XXXX held that 3 month lump some final payment and did not apply it to my account until XX/XX/XXXX. But then in XX/XX/XXXX they reported the account paid and closed. In the time between XXXX and XX/XX/XXXX, XXXXXXXX XXXX XXXX  reported to the Credit Reporting Agencies that my account was first 30, then 60, then 90 days delinquent. I wrote a letter to XXXX XXXX XXXX in XX/XX/XXXX requesting that they correct their reporting error. I received a reply from XXXX XXXX XXXX stating that they would correct the error. However, I am having a problem, particularly with TransUnion, getting them to receive my documents showing proof that XXXX XXXX essentially admitted their error. In the mean time, there is a negative inference on my credit reports. I utilize a banking institution that uses TransUnion exclusively when determining credit worthiness. I currently have a XXXX score on XXXX. However, I could potentially be denied or charged higher interest if my bank sees a negative inference on my TransUnion 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 2023-11-30
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a joint account with my fianc with her being the primary on the account. The account was through. XXXX XXXX XXXX, for whatever reason was closed and charged off and sent to selip & stylianou llp. We made payment agreement with them and have paid off the entire balance. Shortly after we received another letter stating that we owed another {$2000.00} for court costs. This never went to court, which is why we made the agreement. The accounts have not been updated to paid in full on credit reports causing us to not be able to buy a house. The additional {$2000.00} ( supposed court fees ) was not agreed upon, nor was it stated we had to pay this. The 2 people i spoke to at this law firm were extremely rude, and refused to speak to me about the account even though i am joint on the account, but happens to be only in my fiancs name. We would like this to be updated and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone applied in my name for XXXX apartments and now this is on my credit report and I have never lived at either of the XXXX addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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