BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-27
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$3000.00}, {$3000.00}, {$4000.00}, {$6000.00}, {$9000.00}, {$17000.00}, {$5800.00}, {$2900.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-OPEN ACCOUNTS- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2900.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX, I contacted XXXX. I wrote a letter to the apartment complex about the excessive noise from the neighbor above. Also, having strange, unfamiliar people coming by the residence asking to purchase illegal drugs from myself and mother. 

XX/XX/XXXX ; XX/XX/XXXX, I had my XXXX XXXX attorney contact XXXX about my lease agreement ; via a letter. 

XX/XX/XXXX, The XXXX contacted me by mail and sent a copy of a copy of the alleged charges/fees. 

The debt was sold to a third party company named National Credit System in late XX/XX/XXXX or XX/XX/XXXX. 

I did not receive a letter from National Credit Systems for several months ; when I did receive one, I sent letters. 

XX/XX/XXXX, I sent a letter to National Credit Systems. I explained to them what was going on at the apartment. No proper validation of the debt. 

I sent letters to National Credit System in the following years : XX/XX/XXXX, XX/XX/XXXX. I do not have the phyiscal letters ; still no proper validation of debt. 

XX/XX/XXXX, I sent a letter to XXXX in regards to National Credit Systems. It also, explains what was taking place at XXXX XXXX ; no proper validation of debt. 

XX/XX/XXXX, I sent another letter to National Credit Systems ; no proper validation of debt. 

XX/XX/XXXX, I sent another lette to NCS, regarding the account ; no proper validation of debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: AK
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 am trying to refinance my home. I contacted a bank, they pulled a XXXX report. On the equifax report there is a name not mine but showing up with my social security number that has a past due acct and a collection report. Neither of which are my accounts. this has negatively impacted my credit score and is causing me great difficulty. 
there is an account with XXXX XXXX acct # XXXX the ammount is {$1600.00} It was past due on XX/XX/2019 there is an acct in collection under the name of XXXX XXXX acct # XXXX for {$530.00} dated XX/XX/2019 I repeat neither of these debts are mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Navient Solutions, LLC.
State: TX
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 expecting a refund for the Covid payments, as per Biden 's announcement, last week. 
Upon speaking with Navient, they said no, because they are not associated with the US government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened an account with Chase in XXXX. I made charges to the card. On XXXX/XXXX/XXXX I checked my balance and found out that the card was closed. I called the bank to find out what happened, why the card was closed after 3 months. They said they did a periodic check on my credit and decided to revoke the card. Now, since I had opened the account, my overall credit card balances has gone down and my credit score up. Now that they closed the card without warning, my credit took a 14 point hit. They wo n't elaborate on what changed and they are refusing to make it right with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: NJ
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:
In XX/XX/XXXX, I requested a copy of my full credit report, that 's when I noticed that they were inquiries on my report that I had not applied for ever. Since this came to my attention I have requested by certified mail onXX/XX/XXXX, from XXXX XXXX XXXX to provide me with copies of any documentation associated with this account bearing my, signature, authorizing an inquiry. Again I sen another certified mail dated on XX/XX/XXXX attempting a final goodwill gesture to allow XXXX XXXX XXXX to contact their erroneous reporting, and they did not do so. I also sent a certified mail to Experian datedXX/XX/XXXX, and nothing has been done this stills continues to show on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Department of edXXXX XXXX ACCT # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: AA Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today XX/XX/2019 at approximately XXXX XXXX a creditor, AA Recovery Solutions on behalf of XXXX XXXX XXXX XXXX called a reference that was provided on the loan application. The Creditor XXXX XXXX provided my reference with full details on my debt owed. He went into full details about the payment arrangements and the terms ( full dollar amount and dates ) we were discussing. I did not authorize the creditor to do such a thing. I'd like to know how to hold them accountable for doing this. I have been working with them to come up with a solution to the debt but had a flood in my house so didn't get back to them. It's only been a little over a week of not returning a call!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore refuses to verify the accounting of my loan they have NO RECORDS from the preious Servicer 's and no one knows where my overpayments were applied. I have REPEATEDLY REQUESTED MY SERVICING FILE AND TO DATE HAVE NOT RECEIVED IT. 
They fraudulently foreclosed on my home and are trying to evict me despite denying my right to redemption, my right to have the debt validated, my right to know where my Money went There is over {$96000.00} in payments that someone has.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX  {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, 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 2022-03-05
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft. Please refer to police report!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt has just appeared on my credit report. The amount is {$800.00}. I have never received any communication regarding this medical/other debt. My social security has been used with MIDLAND FUNDING LLC. Please understand that this debt is not mine and needs to be removed from my XXXX, XXXX and XXXX reports. That is the fair and honest solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
2ND NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 EQUIFAX HAS INQUIRES ON MY CREDIT REPORT THAT ARE : MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THESE INQUIRES. I HAVE SUBMITTED A POLICE REPORT SEVERAL TIMES AND EQUIFAX HAS NOT OR REFUSED TO DELETE AND REMOVE THESE INQUIRES FROM MY CREDIT REPORT. I WAS NOT NOTIFIED THESE INQUIRES WAS OR WILL BE REPORTED TO MY CREDIT REPORT. INQUIRES NOT MINE : XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies Equifax Mortgage Ser   Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX Inquiry from XXXX  XXXX, XXXX Services, Not Elsewhere XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Automoti Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New Equifax Mortgage Sol Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Verisk Analytics 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: Public record information inaccurate

Complaint:
I have disputed the inaccurate Bankruptcy on my Credit Report with the Credit Bureaus and LCI Consumer Center and the Bankruptcy remains on my reports. I have never filed for Bankruptcy and it appears on my Credit Reports which has continued to harm my ability to purchase a home as well as being charged high interest rates on other purchases. 

This has to be illegal. How can anyone overcome such a a Wrong as this? 

I sincerely ask that this Bankruptcy be removed from my Credit Reports. Please find attached documents. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
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:
Company Involved XXXX, XXXX : Chase Bank On Saturday afteernoon XX/XX/XXXX I went to my neighborhood XXXX to return an item for the amount of {$17.00} using my debit chase card and On Monday XX/XX/XXXX my Chase XXXX account was credited the full amount. Later on in the evening of XX/XX/XXXX my XXXX Chase card was debited {$110.00} from Target. I was made of aware of this transaction on Sunday evening and immediately called customer support to file a claim with Chase Bank advising them that a transaction was made on my debit card that I did not authorize nor was I anywhere near a XXXX store to make this transaction and that I was concerned that my account was in jeopardy. My debit card was immediately cancelled and a new card was issued to me and I was given {$110.00} credit back to my Chase checking account until an investigation was complete. On Friday XX/XX/XXXX I was looking at my on-line mobile chase app and noticed the Chase Bank reversed the claim charges of the amount of {$110.00}. I immediately called Chase customer support to fined out why the charges were reversed and I was told by customer support they felt that because my debit card was used via " Chip '' insert it is their policy to deny the claim because of the security of the " Chip '' yet I had the customer support manager confessing that it seemed unusual that this would occur on the same day at the same XXXX location I am beyond frustrated and feel I have been a victim of fraud and yet I have been denied by my very own bank. My claim # XXXX. If I could be of further assistance please feel free to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX, I've sent dispute letters to Credit Bureau and did not receive investigation results within 30 days. I've sent certified mail with disputes letters also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XXXX2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2017-08-02
Company: Navient Solutions, LLC.
State: TN
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:
Consolidated loans in  XX/XX/XXXX . Still receiving negative credit reporting latest being  XX/XX/XXXX  120 ( days late ). Current loan service did not report. Spoken to reps at US Dept of Education multiple times. Original service no longer in business i.e Direct Loans. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Earlier this year ( maybe XX/XX/2022 ) I received a Cash App Debit Visa card with my name, a debit card number, a CVV number and an expiration date. I called the company and advised that I did not open this account nor did I apply for this card. The Cash App representative confirmed that the did use my actual address but provided a different email address. The Cash App representative send me an email requesting the following information : " From : Cash Support XXXX Date : XX/XX/2022 at XXXX XXXX  XXXX To : XXXX Subject : Inbound Voice General Questions [ XXXX XXXX XXXX XXXX XXXX  ] Hi XXXX XXXX Thank you for letting us know you received a Cash Card that you did not order. 

In order to disable the card, we need the following : 1. Your Full Legal Name ( first and last ) 2. The name listed on the Cash Card you received 3. Has anyone previously lived at this address?

4. Please use this link to securely share the front and back images of the card : https : XXXX. 

We will use this information to disable it. 

ref : XXXX : ref '' I hope the individual I spoke with was actually a true representative of the company because I did provide the answers to the aforementioned email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN, XXXX AND XXXX ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : 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 2022-03-05
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation