BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX This something i have no idea what it is and why its on my report. I want proof of who they are to make sure theyre not some random bill thats from anywhere due to fraud. I never received anything from the company or who they are.

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 2020-11-17
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My husband and I have reached out to Equifax several times to correct the issue. My husband and I are both currently in a chapter XXXX bankruptcy. XXXX  and XXXX  are both reporting the bankruptcy as active and filed. Equifax is reporting the bankruptcy as dismissed. My husband and I have even had the assistance of a Credif repair agent attempt to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Upstart Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Upstart had filed a suit against myself. We were able to settle outside of court. We have paid them their full ask and we were told we would not be sent a 1099 on the amount of forgiven debt. We did receive a 1099 and I called to find out why we received it when we were told we wouldn't and how the amount was calculated. 

They did not give me any details and they said lawfully they did not need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Grant & Weber
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an initial notice dated XX/XX/XXXX from Grant & Weber , Inc., of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX  notifying me of an account referred to Grant & Weber in an attempt to collect the balance now due in the amount of {$150.00}.
I attempted to contact the company on XX/XX/XXXXfrom the email address listed on their company web site ( http : //www.grantwebster.com/contact-us.html ) at XXXX. As of today, XX/XX/XXXX, I have not yet received a response to that email. Since I had not received a response within 30 days, I printed the email verbatim that was sent on XX/XX/XXXX, and then added a hand-written statement that I had attempted to contact them within 30 days to dispute the validity of the debt until further clarification can be made. Please provide a written response to the questions below to the address that you have on file. This letter was sent to Grant & Weber on or around XX/XX/XXXX. I have yet to receive a written response to that inquiry as of today, XX/XX/XXXX.
If Grant & Weber has attempted to contact me since, it has not been in writing, nor have they used any identifiable telephone number nor left a message identifying themselves to my voicemail.
Since I only knew account in reference from Grant & Weber, I have attempted to resolve it directly through them as the account is now in their hands. The original creditor has not been contacted as I have no reference to the specific account sent to collections.
Please see the relevant documents attached below.

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 2022-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert about a fraudulent attempt to open a credit card in my name. 

The credit card was an XXXX XXXX XXXX opened through Bank of America. The attempt was made on XX/XX/XXXX. 

Due to a fraudulent attempt to claim unemployment under my name in XXXX, I had already taken steps to freeze my credit, but I want to escalate this crime nonetheless. Whoever did this has my Social Security number which is frightening. 

I contacted Bank of America to make sure to cancel the application and flag the attempt as fraud. I also learned the application was made from the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Please investigate this and shut this down.

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 2022-07-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A trusted friend recommended me as well as a group of trusted family friends to an investor who promised to return our money about 2 weeks after we initially sent. He has hacked into the bank accounts of some people involved since then and has not returned anyones money. We have clearly been frauded. He made written agreements in text of when he was returning the money and it has been about XXXX months.

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 2017-09-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank is charging {$15.00} per month repeatedly including in XXXX of 2017 and months prior. When account was opened advised minimum balance of {$500.00} for account and now they are claiming, fraudulently, {$1500.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03
Company: Navient Solutions, LLC.
State: DC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX. As a Federally Protected Consumer, i am exercising my right to Remedy a situation with Navient. On XX/XX/2022, I sent Navient a XXXX and XXXX Notice letting them know that they have violated me.This notice was received by Navient on XX/XX/2022. Within the notice i informed them of how the situation could be remedied. I requested an audit trail of the alleged accounts and have not received it. They are still reporting negatively on my Consumer Reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: CT
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 have a home equity line of credit with XXXX XXXX XXXX I was in forbearance when they reported late payments or no payments towards something that was in forbearance. This line of credit is since 2009, they have double recovered that money, but they never stop and instead of helping, they use everything in their power to harm the clients. I talked to them, but they did nothing. This is about a rental property where the tenant does not pay the rent in this time of Pandemic, and I keep paying the taxes and the insurance for that house. I have put the house for sale to get rid of those people who never stop like snakes with their poison. Never in my life will do business with this bank.

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 2022-07-06
Company: Sunbit, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I acquired a line of credit from Sunbit in XXXX of this year. At the time I was unaware the agent set up automatic payments when the account was set up. Payments are for the amount of {$130.00} and due on the 6th of the month. I sent a certified letter to Sunbit in XXXX to cancel automatic payments, per the contract and I began making manual payments in XXXX, XXXX, and XXXX. For some reason, Sunbit resumed auto drafting my account in XXXX. I woke up this morning to see they've auto drafted my account for the second consecutive time without my written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CITIBANK, N.A.
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: Was not notified of investigation status or results

Complaint:
This debt has been included in the Bankruptcy but this company has violated the FCRA rule and for an automatic stay of this account in my credit report. This should be removed in my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion Re : Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern : On XX/XX/XXXX I disputed inquiries reported by TransUnion in the file you maintain under my Social Security number. I was informed on XX/XX/XXXXthat the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Re : Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by TransUnion in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: EQUIFAX, INC.
State: NJ
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:
Hello, I have a business credit card that was closed by XXXX after the business ( XXXX XXXX XXXX XXXX XXXX XXXX ) went out of business. The business ' debt ( roughly {$12000.00} ) is sitting on my personal credit report and is hurting my credit so badly that my once perfect credit is now in the red. I will not be able to purchase a car or a house because this has affected my credit so poorly. I reached out to XXXX and Equifax to notify them that this credit card was a business credit card that was never a personal card. XXXX wiped the card from my personal credit score in a matter of days, however, Equifax did not. Equifax told me that they would not do anything and that I should reach out to The Consumer Financial Protection Bureau and the State Attorney General Office. I have a letter from XXXX who opened the business credit card stating that it is in fact a business credit card and that they do not have a signed application from me. I would like this business transaction wiped off of my personal credit. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Patenaude & Felix A Professional Corporation
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX, I came to a settlement agreement with XXXX XXXX XXXX, a representative of the collection firm Pateneaude and Felix A.P.C. concerning the listed file number. I was forced to reach an agreement with this representative due to XXXX XXXX refusal to work with me. My contact through XXXX XXXX was XXXX XXXX and it was difficult to reach him and get responses or answers in a timely manner. While his letter referred me to Pateneaude and Felix to resolve the account, I had on more than 1 previous occasion rescinded any rights to transfer my information or account outside of XXXX XXXX. As a result of forcing my hand, per the attached settlement letter, the amount of {$4100.00} was paid in 2 installments of {$250.00} on XXXX XXXX and {$3800.00} on XXXX XXXX as the enclosed copies of the payment receipts show. As a result of my payment in full, I contacted XXXX on XXXX XXXX, XXXX at approximately noon to request an immediate paid in full letter to be emailed to me at XXXXXXXXXXXX as soon as the payment had cleared. This representative became rude when I stated that I wanted the letter to be sent to prevent any additional fees to be suddenly added after my final payment. The final payment cleared my bank as of XXXX XXXX and 2 weeks have passed with no letter of confirmation of payment in full. I felt very threatened when XXXX had a court appointee bang on my front door hard enough to dent the strike plate and damage the latch in order to issue a summons at the beginning of this entire confrontation with a letter in the summons dated from XXXX XXXX, XXXX and presented to me on XXXX XXXX, XXXX. On my initial contact with XXXX, I expressed my complaint at the way the summons was served and that my wife and I felt threatened at the scare tactics used. His response to me was Im a lawyer so I know the law and I dont care what you do and his language was very confrontational and his statement about the aggressive tactics were to get my attention. I am requesting a completion of payment and paid in full letter in accordance with my request to XXXX and in accordance to the total in the agreement letter to be mailed within 24 hours of your receipt of this certified return receipt letter. This letter and its accompanying documentation will be mailed to both Pateneaude  and Felix and XXXX XXXX and will be retained for any possible future action that might be needed. I will be notifying the Better Business Bureau and the Consumer Finance Protection Bureau about this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I can't get information as to why this company XXXX has paperwork signed by me on a debt they are unable to prove with original promissory note.

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 2022-02-03
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:
In XX/XX/XXXX I tried to file XXXX XXXX after my husband died and I was struggling. When it came down to meeting the mediator judge type person they tell me they are using my house as collateral.i had not been told this prior to this point. I hit the roof and said no no way cancel this I'm not doing it I could get hurt tomorrow and not be able to pay and loose my house. So as far as I was aware it was cancelled. I found out in XXXX that all the debti was including was not only returned to my credit report but it reopened them and the calls started. Well I went thru and got the original cases closed and was just going to deal with the negative remarks on my credit thinking I couldn't do any better. But now I have what looks like new accounts in large amounts on collection accounts and they are the original creditor. I also have a dismissed bankruptcy listed on my credit that is stripping me from being able to rent any place to live. That Bankruptcy I cancelled should not be on my credit as dismissed or any other status unless I failed to complete the terms of a case I filed which is not the case I cancelled this myself before it was ever completely filed. I feel this is unfair to my ability to get a proper place to live and being on social security now my options are already limited to begin with I don't need anything else against me after the last 7 years I've had please help remove this bankruptcy and check the recovery accounts against original debt with XXXX XXXXXXXX and XXXX those accounts were closed and written off before now they've been sold and reopened starting my failures all over.

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 2018-11-26
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: Their investigation did not fix an error on your report

Complaint:
I contacted all three credit bureaus ( XXXX, Equifax, and XXXX  ) regarding unauthorized inquiries conducted by : 1 ) XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX XXXX, 2 ) XXXXXXXX XXXX XXXX on XX/XX/XXXX for XXXX XXXX XXXX, 3 )  XXXX XXXX on XX/XX/XXXX, 4 ) XXXX XXXX on XX/XX/XXXX, and 5 ) XXXX XXXX   XXXX XXXX on XX/XX/XXXX. I sent written request to have these items removed from credit but was sent a copy of credit report instead. Then I sent a second letter to three bureaus but still no changes on report. Also, I requested proof of authorization but was provided any further information on this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
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:
XXXX/XXXX/17 Reporting company used my report improperly. 

My personal information has been leaked by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX stated i never took back there equipment but i personally dropped it off at their office in XXXX arizona. It was time to close so the sales associate stated just to leave it and we do not need a receipt. I called they stated they never got it ; they tried to track it and they stated its fine ; you dropped it off you will be okay. Then i got calls at all times of the day for IC systems stating i have a collection with debt. I.C. system stated they would clear my report if i pay ; they were supposed to send something in writing they never did. I paid the debt and i never heard back ; the collection is on still on my account and i am hurting because of this. I can not buy a house, car because my credit is being affected

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