BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: GA
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 was shocked when I reviewed my credit report and found so many incorrect items that does not belong to me. 

Creditor : XXXX XXXX XXXX Acct # : XXXX I am so frustrated with this company. I have repeatedly asked XXXX to help me. I do not own this debt and have asked for verification of this debt which they have been unable to answer. I dispute the validity of this bogus debt and demand that you permanently remove this item from 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 explanation
Consumer complaint received 2022-09-13
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 status incorrect

Complaint:
On XX/XX/2022 I was in the process of correcting my credit report blemishes by paying off past debts I owed to improve my overall credit rating for the future. I contacted XXXX XXXX and was informed that I was in collections for a past due amount of {$680.00} which I paid in full as shown in attachment. On my credit report they are listed as an open account XXXX and debt was settled for lesser amount which is completely false and has an impact on my overall score. This is in violation to my rights under the fair credit reporting act.

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 2022-09-13
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and have been since 2020. 

I was recently made aware of a letter from a collection agency, I C System, which was sent to my parent 's address ( an address at which I have never been a permanent resident ). The collection notice was for an account opened by XXXX XXXX in my name. I did not create the debt and am not responsible for it. I am disputing its validity with XXXX and with I C System. I have filed a police report with my local police department.

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 2022-09-13
Company: Revolution Financial Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a call on my phone of XXXX to call a XXXX XXXX at a number that the automated dialer said once with no repeat option from came from the caller id of XXXX. I dialed back the caller id and a lady answered the phone without any company identification and responded someone tried to contact me. She asked my phone number and I gave the XXXX, she informed there is an outstanding payday loan from Fastbucks with the email of XXXX. I informed her that is not my email,, she replied that I use that email to apply for the loan, Before I could ask any more information about the alleged debt, she hung up the phone. I immediately called back to get more information, and before I could ask anything, she informs me that I am harrassing her and she will file a complaint and disconnected the call. I suspect identity theft but unsure without any additional information. I block the number on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
Debt just appeared on my credit. Never got an email or letter mailed from anyone.

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 2021-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Hello, I reviewed a current copy of my early warning report and show incomplete or Innacurate information to report. I have been working hard to have report update for good cause and have not been successful with banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: AES/PHEAA
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have student loans from Department of Ed and it is serviced by Fed Loan Servicing. Since completing my graduate degree, I've been working for public service employers in higher education, state, and federal agencies. Thus, I'm currently pursuing the Public Service Loan Forgiveness ( PSLF ) program. However, when I begin my career back in XXXX and contacted Department of Ed and Fed Loan Servicing for information about repayment options, I was not provided with information about PSLF, even though I was working for a qualifying employer. When I contacted Fed Loan Servicing again in XXXX, after postdoc and securing an employment, I was steered towards forbearance due to financial hardship and was not given accurate information about income-driven repayment plans and PSLF. Had I known about PSLF and income-driven repayment plans back in XXXX, I would have taken advantage of the program and begin the process. Thus, I lost 14 eligible payments towards the 120 total needed for PSLF in XXXX. This was due to Department of Ed and Fed Loan Servicing not provide information, providing inaccurate information, and steering me towards forbearance without providing me with information of other options such as PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and XXXX are reporting 26 inaccurate late payments on closed student loan accounts that I was never late on. XXXX have already removed the inaccurate late payments. The loans was reconsolidated into 1 loan and they are still showing the inaccurate late payments from the previous student loans. My student loans has always been in good standings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
2 Bankruptcies were put on my credit bureaus that was dismissed. I have proper documentation as far as dismissal papers from court. During the past 6 months Ive sent certified letters to address this matter. only to get a response that these errors were legit.

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 2020-02-16
Company: The CBE Group, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was opened by someone else on XX/XX/2019 I disputed it on my report but its still there and I don't know who opened this account! the amount is XXXX the original creditor is XXXX XXXX XXXX I don't even know what company this is.. the people collecting the debt is the cbe group inc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CAINE & WEINER COMPANY, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I received a letter from Cain & Weiner for an outstanding debt with XXXX   insurance company stating I owed XXXX. I sent a certified ( tracking number XXXX ) letter back on XX/XX/XXXX to demand validation of the debt and to instruct them not to call me and to only communicate via US Mail. The letter was received and signed for by a XXXX XXXX on XX/XX/XXXX. I did no receive a response back until XX/XX/XXXX well past the 30 days they had to respond to the validation of debt letter. On XX/XX/XXXX i received a call from Cain and Weiner on my work supplied cell phone even though they had received the letter instructing them to not call over 60 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is in violation of the law. 

Company is reporting that the account is open when it has been paid. And closed for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Kikoff 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: Account information incorrect

Complaint:
KickOff Lending is showing up on my credit report as they loaned me XXXX dollars. I never applied for this and I keep calling the credit bureau to get this disputed or removed and I can not get any solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX my husband and I were at the SteinMart in XXXX, TN. and the cashier asked if we would like to open a credit card to get discount -- I said yes, the cashier said it did not go through and a supv tried something else to no avail, so we paid with our Debit Card. Fast forward to XXXX XXXX and we get a collection letter about the charge off on XXXX XXXX, XXXX ... prin {$220.00}, int $ $ XXXX {$390.00}. We disputed it and they researched then yesterday, XXXX XXXX, XXXX, sent " our stmts as proof '' ... problem is the address was wrong ( bad : ONLY XXXX XXXX ) ... we never rec 'd a credit card, any stmts, or any collection calls ( that left a VM ). We just spent 1.5 hrs being transferred from dept to dept in both SteinMart and Synchrony bank -- ALL had bad attitudes and were just trying to collect a " bad debt '', or even said we had to deal with XXXX XXXX since it was charged off. XXXX do n't want to hear it either ... .so frustrating!!!!! We have our bank stmt that shows the transactions were paid by our debit card -- not charged which I have attached. I do n't know if fraud or huge mistake, but I do no we did not charge anything and did not know we even had a credit line until saw it on a stmt that XXXX sent. I hope you can help resolve this and get ANY negative ratings removed from the credit report, which must be horrendously bad ( lates and charge-off ) ..Thank You for any assist.

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 2022-09-13
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Insta Credit Auto Mart has reported invalid information to all 3 major credit bureaus. ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both federal and state laws. My vehicle has never been repossessed. My car has been refinanced through another lender. I reached out to INSTA- Credit Auto Mart they said they are to behind to deal with my problem. I wrote them a letter and they still have not responded. I will be sending them another letter XX/XX/2022 and pursuing legal action. My credit score has dropped tremendously since this fraud has taken place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and any extension of credit with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that JPMorgan Chase Bank is attempting to collect a debt from I the consumer makes JPMorgan Chase Bank guilty and in violation of the ( FCA ) False Claims Act 31 U.S.C 3729-3733.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/XXXX I initiated an ACH Transfer from XXXX XXXX XXXX  to TD Bank from my computer for {$5000.00}. I unfortunately had my old TD Bank account number so it never went thru. I contacted XXXX XXXX XXXX  the next day when I realized what happened. They said there was nothing they could do so I contacted TD Bank. No less than 5 times they told me that there was no active account to the number I gave them and it would get kicked back and returned to XXXX XXXX. After several conversations of XXXX XXXX trying to help me, they initiated a three way call on XX/XX/XXXX. It was agreed on that call that XXXX XXXX would need to issue a ACH Recall and we did that. I have followed up with TD and XXXX XXXX. XXXX XXXX is only one trying to help. They are following up with TD Bank almost every day and get no response and struggling with TD Bank to get them the trace number. So TD Bank has had my {$5000.00} ( which is significant to me and my family ) since XX/XX/XXXX. This is abusive from them and I have checking account and mortgage with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: MS
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:
I have tried to contact XXXX to fix a mess up on my credit report since the early part of the year. 

I have sent 2 letters to XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX with no response. I called the company numerous times and keep being told to send letters. I explain I have sent them letters and they claim they have not gotten them even tho 1 was signed for. 

So on my credit report, they have some inaccurate information. 

It shows that I have late payments in XXXX of XXXX and XXXX / XX/XX/XXXX. 

I called XXXX in XXXX XXXX and explained that we were notified that due to covid they were furloughing some workers and we would go on unemployment until work picked back up. I explained to them that unemployment told us that they were understaffed and there was a long wait to start receiving checks. 
I was told that I did not have to worry and because I called in prior to missing a payment that when I started getting the checks I could catch up on payments without being marked as late. I was also told they would mark my account as late due to covid 19. 
So as soon as the checks started coming in around the beginning of XXXX I paid up what was missed. 
I was called to come back to work in XXXX, we worked about 3 weeks and we were again furloughed. In XXXX with the new strain, we were furloughed again when businesses started closing and again I notified them. The person I spoke with again told me that they understood and to make the payment when unemployment started back which I did. 
Then in late XXXX we were furloughed again so I notified them and they said they would mark the account as such. 

So once I was back to work full-time I paid that account off. 

In the comments section, it says account canceled by the creditor, and I don't see how as I continue to use the account. matter fact I have things on that same account that are being paid on. 

I tried to fix this with them several times. I kept getting transferred from one area to another. I finally contacted an attorney and the Mississippi department of banking and the attorney is looking into possible litigation because these payments were late but no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I filed for XXXX  XXXX Bankruptcy protection where I listed the Chase Manhattan bank as a creditor for the alleged {$1300.00} approx that they claim I was overdrawn. 

At such time the automatic stay went into effect which prohibited the bank from collecting on the money unless, the court lifted the stay or I affirmed the debt. neither of which happened Chase on XX/XX/XXXX decided to end our business relationship without telling me and a full week after the federal court stayed all recovery or collection activities; knowing this I had a wire transfer from my company placed into my account ; not only do the Refuse to give me my monies either by cash, cashiers check or wire elsewhere, I was told that they will mail me a check after they illegally collect monies included in a bankruptcy proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX XXXX  ) account # XXXX, XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX 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 2022-04-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I filed an original complaint with CFPB on XX/XX/2019 regarding deceptive practice by the XXXX XXXX location from where I originally purchased the vehicle, complaint # XXXX. My wife and I made multiple trips to the XXXX XXXX location and spoke with the General Manager, XXXX. Multiple egregious errors were made on their part and their company continues to harass us and ruin our credit. The corporate office issued a letter in response that they were " investigating '' the situation and never responded after that until this week, via a collection agency that is claiming we now owe over $ XXXX. It looks like I need to hire a lawyer and sue XXXX for harassment. 

I will attach the entirety of the previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: ID Analytics, Inc.
State: OH
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation