BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I received a 100 % VA XXXX XXXX XXXXXXXX XXXX determination XX/XX/XXXX with an effective date of XX/XX/XXXX. After which I applied and was approved for a XXXX XXXX XXXX XXXX discharge  ( TPD ) of my student loan debts through the XXXX discharge office of The US Department of Education as of late XXXX. The credit report states the student loans as paid after I disputed/updated with each reporting agency. However, I needed a letter from the loan servicer stating that the derogatory information related to these loans should be removed. On XX/XX/XXXX, I contacted the department that I'd originally applied for the discharge through, and was told that I needed to contact the US Department of Education Resolution Group for the letter. When I called the first time and explained what I needed the representative said he would email the letter to me. However what I received didn't state that the derogatory information needed to be removed from my credit reports. I called a second time and spoke to a supervisor ( XXXX XXXX at approx. XXXX. The supervisor told me that my accounts were reported as discharged due to VA XXXX and therefore did not qualify for credit report removal. He also stated that a normal XXXX discharge would remove the derogatory information, but that my account wasn't reported through the XXXX department. I submitted all forms and provided all documentation required to the XXXX department during the application process and believe there to be an error or misunderstanding regarding my student loan discharge and credit reporting.

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 2019-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
By the negligence of the JPMorgan Chase Bank, N.A. mine and my daughter 's accounts were charged triple time on the a fake copy of the same check number for different amounts. It means the bank security system is completely below any standards, outdated, and unsecured. This I found out later. I immediately went to the bank branch, to try to stop any illegal activity on our accounts, but the bank allowed somebody to continue to rob our accounts for another couple days. Instead, they stop any scheduled payments I have. I now have problem with my life insurance company ; which I paid automatically for the last 24 years, and my gas, water, and equity loan scheduled payment. Because of " paperless, '' I can't find any of the companies I had payment scheduled for to let them know about the problem, and find the way to restore the payments. Also, because of my unpaid payments, my excellent credit score goes down. The amount of stress from this whole situation has caused serious health and financial problems that later prevented me from being able to work. I got late charges and loss of work because of the banks incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Receivables Management Partners, LLC
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: Account status incorrect

Complaint:
For the last year I 've been trying to get XXXX XXXX XXXX XXXX to get the debt collector Berks Credit & Collections to remove the collections owed off my credit report since I paid them over a year ago. I owed 2 payements of XXXX dollars. So I paid 1 payment of XXXX by check to XXXX XXXX XXXX XXXX. They received the payment and said they notified Berks Credit & Collrctions. Berks is saying they never got notified the payment was made. I 've been going back n forth with these 2 company 's for almost a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
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 status incorrect

Complaint:
Hello : Here is a concise summary of what has occurred. FromXX/XX/XXXX toXX/XX/XXXX I took out three student loans ( XXXX, XXXX and XXXX ) in the amount of {$25000.00}. In XX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.

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 2020-01-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IQ Data called me for the first time today. When I answered, I was told that they had made multiple attempts to contact me previously with letters to my address and that I now owe $ 200+ to an apartment complex I used to live at. The debt collector claimed the apartment management had contacted me multiple times. I have never heard of this debt, despite even being on the phone with the manager of the apartment two weeks ago, when it never came up. When moving out of that apartment three months ago, I provided my new address via email AND by the required form indicating my intent to move out, so the suggestion that they had mailed it to me at the wrong address makes no sense to me. And yet no letters came. Therefore, I told the debt collector on the phone that I would not be paying until I spoke with the apartment manager to confirm the debt. She asked me for my current address, but from my perspective, this person calling me out of the blue and demanding I give her {$200.00} could've just as well been a scam. But when I told her " I won't be paying right now, if you want you can send me a bill because I'm going to speak to the apartment manager '' I was told that if I didn't pay immediately she would mark my account as " refused to pay '' and " we would have to proceed with further collection ''. Threatening me into immediately paying for something I had never been told about, as if to say " or else ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello : Here is a concise summary of what has occurred. FromXX/XX/XXXX to XX/XX/XXXX I took out three student loans ( XXXX, XXXX and XXXX ) in the amount of {$25000.00}. InXX/XX/XXXX they were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$14000.00} disbursed XX/XX/XXXX & XX/XX/XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} disbursed XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit identity has been stolen and used. I need to get these accounts fixed and removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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:
i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to me, XXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Experian Information Solutions 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:
The following accounts are fraudulent and a result of identity theft. They are not mine. They are currently reporting to XXXX  XXXX XXXX XXXX XXXX The following inquiries are not mine reporting to XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX The following inquiries reporting to XXXX  and Experian XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX The following accounts are not mine and reporting to Experian and XXXX  XXXX XXXX  XXXX   {$950.00} XXXX  XXXX  XXXX XXXX XXXX {$760.00} XXXX XXXX {$260.00}

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 explanation
Consumer complaint received 2017-11-30
Company: EQUIFAX, INC.
State: IL
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:
There is an inquiry on my credit report dated XX/X/X/17. It is listed as XXXX-XXXX/XXXX. I have NEVER applied for this account. I looked up using XXXX XXXX and found it is an clothing outlet. I do not shop at online outlets. I then looked up XXXX XXXX/XXXX information ( again using XXXX ) and found the phone number of XXXX. I called on XX/XX/XXXX and spoke with XXXX in the Fraud Department. It was there he was unable to find the application in current and archived files. He stated that I have to dispute this with Equifax and that you all will call them and they will confirm they do NOT have my Social Security number on file for this inquiry. I am appalled that Equifax yet again has found a way to make my life bothersome again. The fact that you all would place an inquiry under my name that I NEVER applied for tells me you all are not about protecting someone 's identity. You are a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I attempted to make a purchase at a grocery store on XX/XX/2019, using a Chase issued Visa credit card. The 2 attempts to pay for my purchase resulted in the transaction being denied. I then used a XXXX XXXX   Visa card, and there was no issue. I called Chase customer service to determine the reason. The customer service agent insisted it was nothing Chase had done or physical the card itself. I was made to feel like a XXXX and XXXX by how I was treated by Chase Customer service. Chase customer service also has horribly long wait times, when a customer calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This account is way older than this Portfolio Recovery says it is the last payment made was long before they state and they keep moving date up to make it look as though the account is still open and its not it was charged off there and XXXX XXXX XXXX  accounts that the date of last payment recieved by them is longer than 7 years ago so this should be long gone from my credit report Im already getting new credit from XXXX XXXX  thats how old it is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: DC
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:
On XX/XX/XXXX, I sent a letter to Equifax disputing a credit inquiry on my credit report from XXXX XXXX. 30 days after this letter being received by Equifax, this account was not marked as disputed on my credit report. 

On XX/XX/XXXX, I sent a letter to Equifax disputing late payment information reported on my credit file by XXXX XXXX XXXX XXXX XXXX. Upon reviewing a copy of my credit report on the XXXX, I saw an entry listing 7 late payments. My XXXX XXXX XXXX Account Number is XXXX. I challenged the accuracy, compliance and reportability of this listing and requested that I be provided with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit report. Per section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, Equifax had 30 days to complete this investigation and to mark this account as disputed on my credit report. Per my certified mail receipt, this letter was received by Equifax on XX/XX/XXXX. This account was not marked as " disputed '' on my credit report within a 30 day window. 

By not properly investigating this matter within the required timeframe, Equifax violated federal law. I have evidence of such willful misconduct via certified mail receipts and copies of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit identity has been stolen and used. I need to get these accounts fixed and removed from my credit profile.

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit identity has been stolen and used. I need to get these accounts fixed and removed from my credit profile.

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 2018-02-09
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: Information belongs to someone else

Complaint:
I have attached a letter in the attachments area below. I have sent more than 3 certified letters notarized and your company remains to bare inaccurate information on my credit without my consent and continue reporting inaccurate information basically tells me that no one is doing their job. This is my final attempt, if you could provide me with an original contract document showing my signature. If you cant provide me with an original contract it is a violation of FCRA section 609 and I demand that the inaccurate accounts removed immediately within 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
HELLO, PAYPAL TOLD ME THAT MY ACCOUNT IS READY FOR WITHDRAW MY FUNDS BUT THE SYSTEM JUST PLACE ANOTHER LIMITATION IN MY ACCOUNT AND BLOCKED ME THE OPTION FOR GET MY MONEY. 
THIS LIMITATION IS ASK ME ABOUT BUSSNEES DOCUMENT. 
I REPORTED THAT I NEVER HAD BUSSINESS ACCOUNT WITH PAYPAL, I DONT KNOW WHY IS ASK ME FOR DOCUMENT, MY ACCOUNT IS PERSONAL, AND IT WAS ALREDY LIMITED PERMANENT. 
I WOULD LIKE GET HELP FOR RESOLVE THE PROBLEM. 

MY EMAIL IS XXXX PayPal account. ( Ref ID XXXX ) THE LAST ONE ( Id. de XXXX : XXXX ) You can no longer do business with PayPal ( Ref ID XXXX XXXX ) YOU SHOULD FIX YOUR SYSTEM, IF THE ACCOUNT IS PEMANENT LIMITE, WHY STILL ADD MORE LIMITATION IN THE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
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:
Hello : Here is a concise summary of what has occurred. From XX/XX/XXXX to XX/XX/XXXX I took out three student loans ( Stafford, XXXX and Perkins ) in the amount of {$25000.00}. In XX/XX/XXXXthey were consolidated into one XXXX XXXX loan. In XXXX of XXXX I was diagnosed with XXXX. My doctor suggested that I get my personal matters in order as I would not be alive much longer. I had approximately {$20000.00} in personal debt and my student loans. So as to not leave my parents with this debt I declared personal bankruptcy. I was told by the judge that I could not include my student loans in a personal bankruptcy and would need to work something out with XXXX XXXX. After a number of conversations and completing an application including my Doctor 's signature and diagnosis, I was given a complete and total deferment of my student loans due to a permanent XXXX. I was grateful for this option. Almost 20 years later I began to receive collection notices about these student loans from various collection agencies. They were super aggressive and unforgiving. Unfortunately, I did not save any paperwork regarding these loans and their deferment. In fact, I did not keep any personal effects after my diagnosis. I was not planning on needing anything as I was given just months to live. I contested these loan collection efforts as these loans were Permanently Deferred in XXXX. My credit report suddenly had negative remarks and I am now limited financially. Loan Summary : 1 ) XXXX XXXX XXXX XXXX XXXX, Stafford Loan, {$14000.00} disbursed XXXX & XXXX 2 ) XXXX XXXX XXXX, XXXX, {$8200.00} XXXX XXXX & XXXX & XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, Perkins Loan, {$2500.00} disbursed at various times. On XX/XX/XXXX I completed an application to consolidate these loans under XXXX XXXX. Thank you for your attention to this matter.

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