BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: NJ
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 recently returned to the US and learned of an a XXXX account that doesn't belong to me. I filed the necessary reports and would like the accounts removed from my personal consumer 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 explanation
Consumer complaint received 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-01-21
Company: Experian Information Solutions Inc.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2019-12-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2017-08-23
Company: CIT BANK, NATIONAL ASSOCIATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2017 I applied for a credit with XXXX XXXX through XXXX. I spoke with XXXX XXXX and he informed me my application was approved for a corporate account without a personal guarantee so he did n't get my personal information only my business information concerning my XXXX application ... He sent me the terms of the lease and also told me my application was good for 90 days ... on the same day I went back online and applied through XXXX XXXX ( not the XXXX site ) for a XXXX XXXX loan ... at that time the application asked for my personal credit information and I supplied it within the application ... within a few minutes I received a confirmation email saying my application was still processing and if I wanted and update I should contact XXXX XXXX in which I did to get the status of my application ... XXXX XXXX responded back stating that my XXXX application was not approved because of my personal credit, I immediately sent him a email back stating my personal guarantee information was only authorized for my XXXX XXXX loan and that I did not authorize my personal credit to be used in determining my XXXX Application ... he preceded to tell me that my personal credit could n't be ignored now even though it was n't originally authorized to use on my XXXX application ... due to what I feel an error on XXXX XXXX parts now I wo n't be receiving my XXXX products because he took it upon himself to combine my applications after he looked over what he really should not have been concerned with and only been concerned with my working XXXX application and not my XXXX application!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ARS LLC offered a settlement and agreed to remove the account from my credit report which I accepted and paid. The best was removed. ARS LLC waited two years to add the debt back to my credit report as the balance that was deducted from the original amount by them as art of the settlement. Original debt was from XXXX XXXX XXXX Settled and removed for XXXX. 
ARS new debt reporting from 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 2021-03-01
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: Problem with personal statement of dispute

Complaint:
I made a purchase against my will off a cruise ship in XXXX at a store, XXXX XXXX, when the sales person coerced me, promising me gifts to complete the purchase. When I got home and realized that he lied to me, I called to return the merchandise. I had already given away what I thought were gifts, therefore, I paid for those and returned the balance. 
I was told that I can only be given store credit and that I will have to contact the Finance Department, XXXX XXXX XXXX, regarding my account, which I did. To date, the matter has not been resolved. After a year going back and forth between store and bank, they finally told me that there is no records indicating that the merchandise was returned. 

I will attach a copy of the letter acknowledging receipt of the merchandise, and copy of store credit as well as the last letter I sent to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
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: Their investigation did not fix an error on your report

Complaint:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, EXPERIAN OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: FL
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to source reveivable management XXXX XXXX informing them they are reporting an invalid account. I do not owe on this account and do not have a contract with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: MD
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:
My car loan stopped reporting in XXXX of XXXX after filing bankruptcy chapter XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting XXXX XXXX  since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had XXXX investigations open with the bank on why its not reporting only after being told its been reporting every month. XXXX XXXX assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted Experian XXXX XXXXXXXX every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXX federal says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have XXXX years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with XXXX XXXX  and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.

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 2017-08-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was really surprised when I received a copy of my credit score showing XXXX points lower due to the closure of Macy 's credit card by the merchant. This is a very abusive practice from Macy 's due that Macy 's is penalizing a customer for not using their credit card and in addition without previous warning and without giving the opportunity to the customer to remedy the situation even when knowing how closing an account by the merchant will affect the credit score of the customer. This is abusive and against the fair and safety practices towards a customer. Called Macy 's customer service and talked to XXXX who informed me that she could not do anything that it is Macy 's practice to close an account after it has not been used for a period of time and if I wanted I was more than welcome to apply for a new Macy 's card. I can understand that Macy 's can have their policies for the use of Macy 's card, however, I have been a cardholder since 2014 and never been late with my payments, in fact, I never carry any balances due that I paid off the balance as soon as I received the statement. Macys did not even have the courtesy and the business integrity to let me know that they were closing my account. No previous notice, no letter informing about the decision, nothing, they just closed the account without including any information or reason to the credit bureaus on why they were closing the account, it only shows account closed by the merchant, which resulted in lowering my credit score for XXXX points. This is not fair, this can not be legal, and moreover, when based on the new law my credit scores were supposed to increase and now they are lower than ever. I need your agency to investigate this matter due that Macys is on purpose and knowingly hurting the most important tool a person could have to keep and maintain good credit scores in order to receive good rates in any service that the credit report is required, including employment.

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 2022-01-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My cousin and I were tragically scammed out of {$500.00} and I dont believe my bank did enough to help resolve the issue. 
On XX/XX/XXXX, unbeknown to me, I conversed with a scammer online to purchase concert tickets. This person was so convincing, providing comforting words and sending proof of their goods that were to be sent to me after payment. Being only 21 and not having any experience in this kind of business transaction, I believed them and agreed to sent payment of {$500.00} for two tickets through the use of XXXX. 
At the time, I did not have enough money in my own personal checking account so my cousin ( who was to be the second ticket owner ) sent me {$500.00} out of her savings to purchase these tickets. Shes only XXXX XXXX XXXX and used her hard earned money to pay for us to attend this concert together. XXXX is the approved payment app through the chase mobile app so I believed that it was safe and that my bank would have my back incase of situations like these. After sending the money, the person proceeded to ignore my messages asking for updates and eventually blocked me altogether. 
I proceed to called the customer service number on XX/XX/XXXX for assistance, panicked and asking for the next steps. The customer service worker was nice and reassuring and told me the bank would file a claim and discuss with XXXX. A week passes by and I called once more for any updates, ending up very disappointed in the lack of action of the bank. I have not called back since due to work and school keeping me very busy and stressed. I keep checking and waiting to hear back from chase themselves about any resolution or updates about the situation with no luck so far. 
The stress of my family member being out of {$500.00} has been so intense, and with my school added on top of that I feel so unwell. Its sad that money can make such an impact on a person but this situation has been so disheartening and just proves that it really does. I understand how I was naive on my part, but also must acknowledge the problem in chase approving XXXX  with the possibility of this issue occurring to any common person. I would not have used that form of transaction if it was not already in the chase mobile app. 
I wish my bank could fight more, possibly getting the money refunded SOMEHOW. I am not angry with chase, Im not submitting this complaint out of hate or frustration. I am just disappointed and out of {$500.00}, and will consider transferring to a new banking company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XX/XX/XXXX I Have Realized In Accordance With The Fair Credit Reporting Act XXXXXXXX XXXX XXXX Has Violated My Rights 15 U.S. C 1681 Sections 602 A States I Have The Right To Privacy 15 U.S. C 1681 Sections 604 A It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions or Consent Also There Was A Hard Inqury That XXXX XXXX XXXX XXXX  And XXXX XXXX XXXX XXXX XX/XX/XXXX Without My Knowledge As Well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On today, Friday XX/XX/2022, I received an ALERT from my, Credit Monitoring Service that my XXXX XXXX had dropped XXXX Points. When I called the phone number associated with this debt that, I know nothing about ( XXXX ) the person who answered the phone, HUNG UP ON ME!!! These people, Ability Recovery Service are a, SCAM. All of a sudden a debt pops up on my Credit Monitoring Service for {$5900.00} that I know nothing about. I have NEVER received anything in the mail from these people. I want this DEBT Removed Immediately!!! I want all of the Documents associated with this Fraudulent debt mailed to me so, I can forward it to my Attorney. Thank You. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I worked as a manager for a cell phone store. The cell phone store issued me an american express card to purchase items for the store. The LLC should be responsible for the debt, not an employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have recently filed complaint # XXXX, after bankruptcy ended XX/XX/XXXX. I am contacted on XX/XX/XXXX, 3 weeks before closing on XX/XX/XXXX, by Rep XXXX who ask me for {$44000.00} I owe Ditech. She is unable to tell me why I owe them {$44000.00} but she will research it. On Monday XX/XX/XXXX I receive paperwork claiming i have a past due balance of {$44000.00} with no explanation of how. I contact XXXX at Ditech who explains I have a modification which I fax an approval letter from Green Tree to Ditech. I call up on XX/XX/XXXX and they confirm they have received the authorization letter for CFPB to contact them on my behalf, and all the paperwork from the bankruptcy and the modification approval letter from Green Tree. Now, on XX/XX/XXXX I receive a certified letter they have not received payments of {$1300.00} and I owe {$48000.00}. I still have never received reason why I owe this money. This is a case of Predator Lending it started with XXXX XXXX ( RESCINDED FORECLOSURE SALE ) Green Tree ( APPROVAL MODIFICATION LETTER ) Ditech ( INACCURATE INFORMATION REGARDING ACCOUNT $ XXXX/ $  XXXX/ {$48000.00} NO EXPLANATION )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation