BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: NY
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 disputed a public record from my Experian report that doesn't belong to me and it came back verified by the company. What company was it that verified it? This account can't be verified because it doesn't belong to me. XXXX XXXX doesn't have it on my report anymore so I want to know how was the account verified? This is fraud and false information being used against me. Please remove

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 2016-04-16
Company: Kelsting Group, Inc.
State: KS
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Credit Bureau Assosiates has been contracted to settle an auto loan debt I had with XXXX XXXX XXXX ( a CA banking institution ). Over the past 4 years I have made continual payments to them between the amounts of $ XXXX {$200.00} per month, most of which were requested by me to auto withdrawal from my account. I have not received a statement showing pay history in over 18 months. When agreeing on an amount due, the notes in " the system '' are different from what was said from a previous collector. And in 4 years I 've yet to see the amount the Bank sold the debt for to the collector. As of today they are saying {$2400.00} is the Bal ( due to interest ) with the amount owed to XXXX ( Bank ) as {$870.00}. They refused my settlement of {$900.00}. Sir/Ma'am what can I do? I am a XXXX and My Wife and I are working really hard to settle this debt. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK XXXX A ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX & XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$380.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-14
Company: Terrill Outsourcing Group
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no debts ( never have ) and continue to receive phone calls from an automated system that wants me to call XXXX. The message states they are a debt collector called Superlative RM. 

These calls started 2 or 3 months ago and are received once or twice a week. No reason is given for the call other than stating they are a debt collector.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: STERLING JEWELERS, INC.
State: MN
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I will sue your company for violating my consumer rights under FCRA & FDCPA if you continue to refuse for my validation request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: MN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: MN
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX, my boyfriend at the time and his business partner, forgery XXXX checks from my personal checking account XXXX for {$100000.00} and another XXXX for {$10000.00}. I Submit my claim to the bank and to the Police Department, I got copy of the transactions, checks withdrawn from my checking account and deposited into another bank one account, proof of claim notarized by the bank and police report, and wait for 18 years, until a couple days ago finally the Executive Office from Chase call me and stated that they can not pay me my claim because of the time. my claim with Chase Bank is XXXX XXXX XXXX XXXX The lady that contact me from Chase Executive Office, to give me the news, really do n't know what to say, she shay to me that the investigation for my case was done and they found no claim on my case because is no documents to proof the claim, then I ask her what type of investigation they did if they do n't have any documents, she put me on hold and later she say that they do n't have any documentation on my claim. I send copies of my claim maybe 15 or more times throughout these years but they always will say that they misplaced and ask me to send it again and again. she finally say, XXXX yes we have some paper but does n't have anything that proof the claim. I 'm really frustrated please help. If I need to press charges against these people I will do it, but please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Conn's, Inc.
State: CO
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:
On XX/XX/2019, I received a SPECIAL OFFER letter from Conn 's Home Plus : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from Conn 's I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If Conn 's never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If Conns would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, Conn 's continued to harrass me daily and report negative payment information to all 3 bureaus. 

Conn 's has been removed from my XXXX  credit file but the results from my dispute with XXXX and XXXX have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that Conn 's has voluntary reported to different sources IS CONTRADICTING. 

Conn 's continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Westcreek Financial
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was used to open an account at the XXXX XXXX located XXXX XXXX XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Hi I took out a payday loan ( Castle Payday ) back in XXXX of 2013 for {$400.00} in which i would pay {$540.00} back, I originally missed the first payment due XXXX/XXXX/2013, I made my first payment XXXX/XXXX/2013 and after which XXXX XXXX up until XXXX/XXXX/2013 in total i paid {$560.00}. Now 2years later I 'm receiving calls saying I never paid and charges are being filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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 have been disputing this account for a long time already but despite all my efforts to correct my Credit File, the Credit Reporting Agencies never took action to verify the authenticity of the information this account reports. I have a loan with XXXX XXXX XXXX with Balance Owed : {$72.00}. I have been a good payer with this company and I never missed a payment, but upon reviewing my Credit Report, the Credit Bureaus have been reporting this account as late. There is probably an error with the Credit Bureaus ' part. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
Hi whats going on? My name XXXX XXXX and my SSN is XXXX l and I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but its seems youre taking things lightly. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. Thank 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 explanation
Consumer complaint received 2021-12-14
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:
There's inquiries on my credit report that I didn't 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 explanation
Consumer complaint received 2015-07-15
Company: JPMORGAN CHASE & CO.
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My wife and I acquired a home equity loan in XX/XX/XXXX, the payments of which were on an automatic deduction at a specified date of each month. The last payment in this cycle was current at the end of XX/XX/XXXX. In XXXX of this year, I stopped the deductions from my primary account which raised the interest rate the loan was figured with. By XXXX, this note was six months delinquent. I was blessed with spousal support to help remedy three months of payments. A total of 3 months payments, combined with 3 months of late fees was paid. The lending institution credited the account with an amount of one month plus {$57.00} of the second month, the balance left from that was taken for interest charges, no credit issued for late charges. Is this fair?? On XXXX occasion, I questioned them about why the interest payment credited was more than the interest payment of the previous month, they just gave me the runaround about it, their answer did not set well, as I knew I was being cheated into paying more than the loan was for. The accounting method used by this bank, as well as others, needs to be explained every month to the borrower as to how the payments are calculated. I know they will get their interest first. The loan originated at 6.9 % ( .069 ), the interest on my primary account, the bank was paying me was .01 % ( .001 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I see an account from Bank Of America on my credit report, but I don't know anything about the repayment terms and I can't seem to get a copy of the original credit application or contract. I am requesting that BOFA please provide me with the credit application and contract for this account so that I may better understand things. I am requesting that Bank of America communicate in writing only and not call me on the telephone as I work during the daytime and can not take calls at work.

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 2022-07-22
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Resurgent Capital Services Tel : XXXX ; Fax : XXXX sent me a notice that I owe Original Creditor XXXX XXXX XXXX {$660.00}. The current owner is now LVNV Funding LLC with Account XXXX XXXX. I have never done business with XXXX XXXX or LVNV Funding LLC . I wrote to them and told them the debt was not mine and asked for details or proof. They wrote back saying it was up to me to provide them with "... information detailing the nature of the inaccuracy along with any supporting documents to the following address ; Resurgent Capital Services XXXX. Attention : Correspondence Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. I called them and told them verbally ( XXXX time ) the debt was not mine and told them I can not give them any details because I do n't have any details or knowledge about this debt. Subsequently, they sent me written correspondence that my dispute of this account " appears to be duplicative '' and a notice that reads, " Please be advised that we will not continue to respond to duplicative requests for additional information. Should you desire to pay on this account, please contact us... '' The debt is not mine and I thought debt collection companies must provide proof of debt not just say they have verified it and not give you any information or detail? I wrote to them again asking for details and proof so I could present to my attorney to deal with them, but they say it is not up to them to provide details. They say it is up to me!? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$250.00}

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 non-monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently disputed a Bankruptcy from my consumer report because, I notice some inconsistent data points being reported. 

1. As reported, the item US Bankruptcy Court does Not have an exactly matching Data Furnisher/Creditor Contract address location. Transunion shows ( U.S Bankruptcy Court ), XXXX ( US Bankruptcy Court GA XXXX ) and XXXX ( XXXX ). 

2. The date filed and reported shows XX/XX/2022 with Transunion and XXXX but shows XX/XX/2022 with XXXX. 

XXXX. The reference for Transunion is ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) which is Inconsistent as well. 

XXXX. XXXX and Transunion Reports a closing Date of ( XX/XX/2022 ) and XXXX reports nothing. 

I am not disputing the bankruptcy because of verification purposes, I'm disputing the bankruptcy because of the wrong information being collected by each credit reporting agency, causing this bankruptcy to be inaccurate.

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