BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX, DOE XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX, and US DEPT ED XXXX have violated my rights XXXX 

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 an 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 non-monetary relief
Consumer complaint received 2020-03-18
Company: Experian Information Solutions 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 have a XXXX XXXX XXXX company and deal with all the major mortgage companies including XXXX  XXXX XXXX, which I have a least 10 loans. The homeowners ' insurance for 3 of the XXXX  XXXX XXXX loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. XXXX  XXXX XXXX requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. XXXX  XXXX XXXX continued to request evidence of insurance and we continued to supply it. XXXX XXXX, XXXX, I uploaded evidence of insurance to the website XXXX XXXX XXXX provided and received confirmation emails of receipt. XXXX XXXX XXXX placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. XXXX  XXXX XXXX has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.

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 2022-08-04
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Lockhart , Morris & Montgomery has placed a collection alert on my credit report in violation of the Fair Credit Reporting Act. I have never heard of nor do I owe any money to this company. They contacted me once by phone XXXX XXXX about a supposed debt dated XX/XX/XXXX. I asked for the information so I could verify that I paid it in XXXX. I was able to find that I paid the {$65.00} on XX/XX/XXXX to the company in question. Lockhart , Morris & Montgomery says I owe is {$65.00} ( XXXX cents difference ) also the account number that they had in question was a few digits off from the original invoice that I paid in XXXX. 
Shortly after I spoke to them on the phone telling them that I paid it, I received an invoice from Lockhart , Morris & Montgomery XXXX demanding payment of {$65.00}. They said that if I write to them by XX/XX/XXXX they will stop collection on the amount in dispute. I mailed them a dispute letter on XX/XX/XXXX, letting them know that I had proof that I paid {$65.00} on XX/XX/XXXX, and provided them the correct invoice number. I got notification on XX/XX/XXXX that Lockhart , Morris & Montgomery placed a collection on my credit report. 

There has been no documentation sent to me validating this debt nor do I owe any outstanding debts. This collection agency has added this fraudulent debt to my credit report 6 YEARS LATER without contacting me in anyway or giving me a chance to validate whether or not I owe this debt. This is a violation of my FCRA rights and I would like this fraudulent debt removed from my credit reports. This is an outright attempt to collect a debt that is not owed through unscrupulous means.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Public Record on my credit profile that is inaccurate in its filing. The derogatory is " Dismissed '' which means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. Although the procedure is dismissed, the credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation. I have a right by consumer law to have knowledge and/or document of WHO VERIFIED!!! This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid off and closed account with XXXX XX/XX/2015. TransUnion did not report but other agencies did. I contacted XXXX and they stated that they had reported paid and closed to Transunion and I would have to contact them. XXXX also sent me a letter ( attached ). The investigation by TransUnion completed on XXXX/XXXX/2015 only shows payment into XX/XX/XXXX with a balance and open status. As I had paid off the loan but XXXX still took out a payment, I had to be mailed a check. ( Statement attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24
Company: Ad Astra Recovery Services Inc
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:
Ad Astra Recovery Services is repeatedly contacting me to collect a debt owed by " XXXX XXXX ''. I have informed Ad Astra Recovery Services that I am not " XXXX XXXX '', and that I do not know " XXXX XXXX '', but they continue to leave messages on my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Balance for XXXX Account # XXXX incorrectly display account details and % rate details.

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 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These items were fraudulently made without my consent. Please delete these accounts from my report immediately. 

DPT ED/XXXX XXXX {$3100.00} DPT ED/XXXX XXXX {$920.00} DPT ED/XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX {$2900.00} XXXX   XXXX {$140.00}

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 2022-03-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Account on my report I do not recognize

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 2022-09-02
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company known as Jefferson Capital Systems has been attempting to collect an unpaid phone bill totalling {$730.00} from XXXX, owed by my deceased father. I have disputed the debt multiple times but they continue to claim that I owe the bill though I have never had a an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Clarksville Mortgage Corporation
State: DC
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
In 2006, my wife XXXX and I had refinanced our house located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. The application was done through Clarksville Mortgage, located in Clarksville Maryland. They completed an appraisal for the house valuing it at {$800000.00}. Since that time my wife and I have gone through many changes, including the birth of our XXXX daughter, and later our divorce. She maintains the residence with our kids, but we have not been able to refinance because the value is still too low. I believe that the appraisal was artificially inflated to make the numbers work and now we are stuck paying over 6.5 % for a first and 2nd mortgage totaling $ XXXX. XXXX XXXX bought and serviced the mortgages immediately in 2006 and put them in their portfolio, so it is ineligible for any government programs through XXXX or XXXX or XXXX. I have placed the complaint against XXXX XXXX originally, and they responded that it was Clarksville Mortgage that had originated the loans, so they should also handle the complaint. The complaint number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: Albert Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My tax return was deposited onto my Albert cash card on XX/XX/22. I moved money to the savings option so that there would not be a large amount on the cash card in case it was lost or stolen. I do this all the time. I went to move money back to the cash card so I could pay my bills and it would not allow me. It stated I had reached my limit of XXXX and needed to wait 30 days. I then contacted support to see if they could help me by moving the money or raising the limit so I could pay my rent and car payment. They stated no. I asked to speak to a supervisor and they ignored me. I then asked if I could close my account and having the money sent to my external bank that is linked to my card. They stated they could not do that until my balance was 0.00. I need help accessing my money. I'm going to evicted and my car repossed if I can not access my money. I went and read the agreement and the only thing it says is you can not take more than XXXX out of an ATM. Nothing about transfers. Please help!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These items were fraudulently made without my consent. Please delete these accounts from my report immediately. 

DPT ED/XXXX XXXX {$3100.00} DPT ED/XXXX XXXX {$920.00} DPT ED/XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX {$2900.00} XXXX   XXXX {$140.00}

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 2022-08-26
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was at airport in XXXX I attempted to use card at a XXXX it was declined I immediately check the app and noticed that their was two cash withdrawal and XXXX fees this was Monday XX/XX/2022 around XXXX XXXX or maybe a little later one was for XXXX with XXXX fee at XXXX XXXX  and another at XXXX XXXX for XXXX with XXXX fee and they tried again for XXXX dollars a minute later and ut was declined. I immediately ask airport worker where I should go to report it but it was on the other side of airport I would have missed my flight then I contacted chime they said there is nothing they can do because withdrawal was pending I said if pending can u stop they said no I would have to call back when it's not pending. That was on Thursday XXXX so I called around XXXX XXXX to make claim and later that day I received email saying I was denied they will send me another card. I believe I was scanned thru my purse and they got my info I had a companion with me they will give statement if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1800.00} XXXX/XXXX  XXXX {$440.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On or about XXXX XXXX XXXX, TransUnion has reported that I have an alleged {$11.00} unpaid amount owing to XXXX XXXX ( formerly known as XXXX ) -- from XXXX! My account status with XXXX is excellent. My account is current ( I am on the XXXX billing plan ) and has been current since at least XXXX or XXXX. 
This " {$11.00} balance '' has SEVERELY affected my TransUnion credit score : it lowed my score by XXXX points! 
Furthermore, I spent close to XXXX minutes on the phone with XXXX XXXX today, XXXX XXXX XXXX. The agent found NO instances of me owning them anything, even using past addresses and my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a joint-owner credit card with the XXXX XXXX XXXX XXXX in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} Credit Limit in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and TransUnion still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and TransUnion and XXXX came back with both credit limit as correct and the account is still open. When I called XXXX, they agreed the card was closed but refused to correct their mistake.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 have 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 an 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a XXXX XXXX checking account on XX/XX/2022 with a bonus offer for up to {$500.00} bonus when receiving direct deposits of {$8000.00} or more within 90 days of account opening. I set up my employers direct deposit to direct to this account and received a direct deposit payment of {$8000.00} on XX/XX/2022. I called to confirm that this direct deposit met the requirements and twice had representatives confirm on a recorded call that I had met all requirements and that the bonus would be credited within the timeframe outlined in the offer. I contacted customer support on XX/XX/2022 for an update, as this was now past the date indicated and the bonus had still not been paid. They indicated to me that the requirements had not been met as the direct deposit coded incorrectly as a transfer. They raised a dispute to which I did not receive a response.

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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 THE VICTIM OF IDENTITY THEFT.

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