BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a XXXX? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track fed ex.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted XXXX the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via staples, was defuncted and took new XXXX to maked good, but only ater lost of service.. we bought ddition protection XXXX store XXXX this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX in XXXX XXXX CSR for XXXX knew and promised corrective action ... we got bill saying it was pas due on XXXX same day to our XXXX XXXX XXXX collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou 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 2022-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX Balance : {$4800.00}

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 2022-11-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB AUTO for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Oklahoma Student Loan Authority
State: MI
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 am a full-time graduate student graduating in XX/XX/XXXX, however, my grace period for student loans already started and payments are due in XX/XX/XXXX ( XX/XX/XXXX because of Biden 's extended repayment freeze ). I have called the loan provider multiple times but they are saying that they are waiting for my university to update this information. I called my financial aid office and they said the information about my enrollment is already updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Rewards checks are mailed out with XXXX statements, and I cancelled my card just after the XXXX statement was paid, so a XXXX statement would still be mailed to me. The credit card company cancelled my rewards for {$180.00} even though they were supposed to be mailed with the XXXX Statement. I spoke with them online, and they said they could reopen the account within 24 hours if I spoke with a manager. I spoke with a manager ( named XXXX ) and she refused to refund the amount or reopen the account. The person I spoke with online ( named XXXX ) said the manager 's decision is beyond her control.

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 2019-12-07
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXXjust recieved a letter from sls that they approved a new modification and we will be getting it soon with the new terms thank you for helping us

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 2022-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 4 FTC reports with inquiries I did not authorize, Please also update my personal info and revise the letter sent with an account reporting inaccuracies that also needs to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
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 was checking my credit report and I got shocked from what I saw Its impossible to believe that you reported negative account which is not mine. I never had it so because of you I have low credit score what means I'm not able to buy apartment for my family.

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 2016-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
this is my favorite bank with favorite card but i am very concerned my issue which is veyr important to me is not handled appropriately. its a dispute of XXXX i have NEVER made a dispute in 11 years of excellent customership here but now i am and i am serious about seeing it through and getting refunded at least the XXXX if not the whole amount. I fear it is not being handled properly as evidenced by the stupid letters i sm receiving in the mail. On XXXX i paiud for my child to go to tennis camp 25 days. At that time i did not realize there was a NO refund policy. I know that does not matter.Well after 6 days of her crying every day without me being told by the camp despite calls every day asking finally on XXXX i pulled her out when someone honest told me about it. she was sitting there doing nothing as she had all day before that. First day i was told this. on XXXX i reached out teo them to use some of my credit on another seice since this was the first i was made aware that i had signed a no refund policy. Again would not have signed it had i not been rushing to sign to get my child in. in may.I had ben signed up for XXXX lesson until XXXX when the owner XXXX XXXX answered my emails by accusing me of breaking his contract he had no concern about why i had left, what had happened with my child only that i used the monies tha ti had purchased. no other concern except telling me it was MY PROBLEM if i did not come back. No refunds. he also told me XXXX XXXX that if i did not come back again he displsyed no interest in why i had left if i did not come back hewould re bill me. That was his ONLY concern. Certainly not what you would expect from someone dealing with a child and a service. i told him that day i was NOT coming back. based on his treatment and the uneasiness of the deception associated with the 6 days she did attend. he then rebilled me XXXX on XXXX after the summer ended seemingly with no understanding or wonership of the failed customer service. their position is Simply i signed something. it is that they offered me MULTIPLE opportunities to attend maybe they do not understand XXXX i was not attending after XXXX was lied to about my child when dhe did not attend and baically paid for her to sit out and do nothing XXXX i was treated as i was NOW i sent all the emails to Consumer affairs XXXX and capital one. EVeryone agrees with me.I know i signed the contract but telling me in this instance to ask for a merchant refund is riiculous. absolutely ridiculous. I want a refund.go to the merchant and say NO service, poor Customer service but stick up for me properly after 11 years. I can not believe what i have endured. ask yourself would you return??? I will NEVER again rush to sign something. i want at least my XXXX back if not the entire emoaunt. Go to it please NO EXCUSES designed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hello. I have had nothing but problems for years with EQUIFAX. I recently filed Chapter XXXX got all my debt cleared trying to have a fresh start. I have asked EQUIFAX to remove all inquires I circled and sent them from my Equifax credit report. I have had so many people pull my credit unknowing since filing bankruptcy to offer me car deals and send stuff through mail. I also saw a change within a week of my credit score dropping XXXX points from where?? They have not provided why my score dropped so drastic. it is bizarre because XXXX and XXXX have honored my requests and my score is XXXX on both Equifax reports XXXX in XXXX XXXX and now XXXX XXXX XXXX something is clearly wrong especially since I have not occured any more debt and XXXX points is massive to not know where and why it dropped and came from. I always get a auto generated message from them no answers to why or how they found the information. They just say call the person inquiring but they say call Equifax!! Please help me I am restoring my life and trying to open a non profit for children in human trafficking. This is frustrating and unfair. 

RespectfullyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: T.S. Holdings
State: CA
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:
IQ INQUIRY I MOVED OUT OF RESIDENCE XX/XX/2021 UNDER AGREEMENT BY LAW. THERE WAS NO BALANCE DUE AN ACCOUNT WAS OPENED FRAUDULENT IN XX/XX/2021 I REQUESTED DOCUMENTS OF CONTRACT, SIGNATURES AND DISPUTED NO DOCUMENTS EVER WAS RECEIVED NOW STATUS IS IN COLLECTION. 
THIS IS AGAINST THE GUIDELINES ALSO XXXX IMPROPERLY SENT XXXX A INACCURATE CREDIT SCORE WHICH I WAS DENIED A ACCOUNT BECAUSE MY CREDIT SCORE IS XXXX NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Starting in XX/XX/XXXX, I began contacting Fair Collections & Outsourcing ( FCO ) to try and obtain more information about an entry on my credit report. 

XX/XX/XXXX, they sent an offer to satisfy the debt of {$1800.00} - no information provided on how to dispute. I spoke to them on the phone and they explained the amount was for some charges from an apartment I rented in XXXX. The management company was XXXX. I asked them for more information as to wha the charges were for and never received any additional information. 

XX/XX/XXXX - They finally provided an itemized list of charges from my previous place of rental. I did not agree with the charges but offered to pay {$250.00} of an {$1800.00} balance in which they accepted. I received a letter showing the balance as {$0.00}. 

Around XXXX XXXX, I noticed another entry on my credit report which prevented me from renting a home. 
I contacted FCO again to ask why the amount showed as {$1800.00} when I no longer had a balance. They sent me another letter showing that I owed {$1800.00} to XXXX XXXX ( new account # ) but are not providing any additional details other than a rather vague screen shot of an addendum from my XXXX lease from the same apartment complex under XXXX XXXX. 

I do have copies of the information but am not uploading the documents as they contain my address and other 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 2016-07-09
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX 2016 my Amazon.com account was hacked. The hackers applied for credit using my name. the account was not opened. They proceeded to try XXXX other individuals names XXXX of which worked and they opened an account. When I receive a text message on XXXX XXXX I immediately contacted Amazon. When they told me my account was hacked I filed a police report with the XXXX XXXX XXXX XXXX Sheriff Department. The Amazon rep specifically told me no credit was applied for. It was a week letter when I received a request for additional information from Synchrony Bank in order to open a credit card account that I knew they had pulled my credit report. I have contacted Amazon and Synchrony bank their credit card provider to have the inquiry removed and report the fraud. My last attempt today at XXXX XXXX XXXX is my FIFTH 5th phone call to resolve this isse. Each call has lasted a minimum of 30 minutes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is in response to complaint XXXX. This has been picked up by the FBI a detective from XXXX XXXX XXXX. There are 20 people that the man that had me do this has taken advantage of. They are working with I formation on this. They know that he is from XXXX. Here is the detective on the case. 
Det. XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Phone- XXXX Desk- XXXX Also in response to the person that worked on my case. She would not listen to all the calls I made on this. She had me pick a time and only listened to those. I know she heard what I said. She told me in a phone call that since I gave him my log in that she would not consider it fraud. However this man knows how to get around their policy to take large amounts of money from people. They do nothing to protect their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BlockFi Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Blockfi is the company it's located in USA it stores XXXX currency.I had over XXXX $ of XXXX XXXX or XXXX XXXX  total not able to withdraw.Says they have suspended all withdraws and account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was not able to open a new account with Wells Fargo due to an alleged debt I owe them on a previous account. However, I called their customer service to get information about the debt and they can not locate me with my identity verifications. Therefore, there is no debt that I owe if they do not have proof that I owe anything. I want to open a new account and be removed from XXXX regarding any alleged debts from Wells Fargo.

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 2016-08-05
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This has happened before already with the same account which does n't belong to me ( XXXX ) that has been forwarded to a collection agency. This is identity theft and I will not allow it to ruin my credit score again

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The last name of XXXX is on my credit report. This has never been my last name. My maiden and current name is XXXX. Also there are accounts from XXXX that were paid in full and closed by me that I have requested to be removed and are still on my report with both Equifax and XXXX. XXXX being XXXX XXXX XXXX, XXXX is XXXX credit card and the other is XXXX XXXX Credit card.I would like that incorrect name removed as well as the 9-10 year old loans and credit accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed LEXISNEXIS RISK SOLUTIONS, INC has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation