BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, XXXX, I discovered a XXXX account ending in XXXX had been re-inserted into my credit file for a XXXX TIME. This debt was XXXX deleted XXXX under the debt collector XXXX XXXX. It was deleted again under Receivables XXXX XXXX. Now this debt has resurfaced again on my credit report under XXXX XXXX XXXX. Neither XXXX nor TransUnion has notified me within the required five ( 5 ) days of re-inserting this twice deleted item. 

According to the Fair Reporting Credit Act, my rights were violated because I did not receive any such notification. Please delete this item immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX Chapter XXXX Bankruptcy petition # XXXX was filed in Hawaii and included creditor XXXX XXXX for an unknown amount ( guessed {$540.00} ). 
XX/XX/XXXX Chapter XXXX Bankruptcy discharged # XXXX including XXXX XXXX debt. 
XX/XX/XXXX - XXXX XXXX has continued to forward discharged debt to collection agencies. This item has been disputed multiple times, both directly with the creditor and through the credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This agency is reporting my employer as XXXX - this is incorrect, remove the information at XXXX! I am employed by XXXX XXXX and I DO NOT WANT THIS LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I initiated a dispute with Experian last year to challenge some inaccurate and unverifiable information on my credit report. At the same time I contacted the creditors in question per my right under the FCRA. I have received no response from the creditors and the credit bureau has stated that they verified the accuracy. I have requested in XXXX separate letters the " verification of procedures '' on how they contacted and verified these accounts in question. They have failed to provide this to me in writing. The issue I 'm having is that if the creditor supposedly verified with the credit bureau then why did they not verify with me, the alleged debtor. 

Experian has failed to comply with the federal laws in place to protect consumers from inaccurate or false reporting. This lack of due process and disregard for the federal mandate has placed a burden on my credit report and my family 's future. 

Please assist because I have no other way to turn, my next option is to hire a civil attorney. 

Thank you, ** all documents sent are provided in the document upload section on this complaint **

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Navient, via Navi-Refi sent me an offer to lower my student loans. I am looking to refinance my variable rate loans with Navient because they are currently at XXXX %, highest they ever have been. I received a letter saying they could refinance my loans with a lower fixed rate. I took the bait and filled out my information and submitted to a hard credit pull. When the " select your loans to be refinanced '' screen came up, only my federal loans showed up, not my loans currently with Navient. 

This is a disingenuous business practice. They know what loans I have with them and which loans I would most likely want to refinance ( the high interest loans with no chance of federal loan forgiveness ). They didn't offer any of those loans up for refinance despite the fact that was not explicitly stated on the mailing I received. I had assumed ( wrongly ) that all of my student loans would be available to refinance. There was no indication on the mailing that they wouldn't. 

I submitted to a hard credit pull which will negatively impact my credit score so I could see my " new rate '' only to be confronted with loans I have no interest in refinancing. 

They are trying to scam people out of money by quickly refinancing federal loans before the loan forgiveness program sets in. On top of this, they are intimidating people with an unnecessary hard credit pull so they can " see their rate ''. I realized this too late and had to take a hit on my credit score as a result. 

This is completely unfair and if I had been less student loan savvy or more drunk I could have easily been taken advantage of by the business practices of Navient and their subsidiaries. SHAME ON THEM AND THEIR MALFEASANCE. 

Please help to rectify this for people so they are not scammed out of their hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent in a couple dispute letters for some collections that are not mine. I have never been to these place the hospitals on the collection companies books. Nothing has been done and when I call the collection companies they threaten to sue me! why ... I never had treatment and if I did my insurance would have covered it and a co-pay I also have money for that. I 'm hoping the credit bureau will do their best to help me bc i 've already tried disputing and nothing has happened. I uploaded the documents requested thx

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 2022-11-23
Company: Experian Information Solutions Inc.
State: NC
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 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 explanation
Consumer complaint received 2016-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My credit report is reflecting a Judgment from XXXX XXXX this a unverified Debt given that XXXX did not report this to you but XXXX did there is a not a court in the country that verifies the stats of a Judgment. I called the XXXX court Myself they would not give me any information about the Judgment. Please Provide me with the name of the person verifying this debt because they will need to be prepared to tell a judge just how they Verified this information the court does not report this and does not verify the information Account number XXXX. My personal information was reported by a non- debt holder Aka XXXX the Release of tax Number for this debt is XXXX XXXX XXXX Recorder of Deeds

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX 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 2016-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
To whom it may concern : I submitted a complaint to all three credit bureaus in regards to damages on my credit report caused by improper and negligent reporting by multiple mortgage servicers/debt collectors over the years. I received a reply only from XXXX and that reply was not satisfactory and did not completely straighten out my credit report. 

I have attached my follow up letter to TransUnion for your reference, as well as my lawyer 's XXXX Demand Letter to all mortgage servicers involved in erroneous credit reporting on my credit. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: JPMORGAN CHASE & CO.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have an unreasonably high payment and interest rate with Chase that - alone - is 20 % of my monthly income. If I were able to consolidate it with my federal loans, I would easily be able to make the payment every month. Instead, I am deferring my federal loans because they allow it, and paying my other private loans as I am able, but forced to pick and choose on a monthly basis which I am able to pay. I have looked into every possible consolidation option, but they all require a decent credit score. I have terrible credit as a result of student loans, exclusively. 
I have explored every possible option with Chase to lower or reduce or delay my payment. They are unwilling to work with me in any capacity, and have repeatedly shunned any effort that I have made to attempt a solution that is tenable. I budget very well, and I have attempted to raise my income in numerous ways. However, my negative credit is affecting my employment advancement, as many employers consider credit history, which in turn is affecting my ability to raise my income enough to meet all my payments. If I were able to consolidate with my federal loans, I would happily go on income-based repayment and repay the loan faithfully until it is paid in full, but this is somehow still not an option, and I did n't understand the difference when I was XXXX years old, and the interest rate was lower at the time than the federal loans, and thought I was making a practical financial decision. I am not attempting to shirk my responsibility, but there are some months when I decide between paying all of my loans/rent/vehicle, versus buying groceries. How is this right? What did I do wrong? What can I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: NCB Management Services Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MANAGEMENT SERVICES INCORPORATED. CORPORATE has sent me a debt collection letter in attempt to collect a alleged debt stating they are financial partners with XXXX XXXX. Notice it is a XXXX XXXX XXXX. CORPORATE is a debt collector and falls under FDCPA. Notice it is a fact XXXX XXXXXXXX XXXX has charged off the alleged debt and has sold it to MANAGEMENT SERVICES INCORPORATED has violated me on multiple occasions under the FDCPA and are liable for damages under 15 USC 1692k-15 USC 1611 and 15 USC 1640.I have DEMANDED validation of debt under 15 USC 1692g and MANAGEMENT SERVICES INCORPORATED. MANAGEMENT SERVICES INCORPORATED has committed numerous Federal Violations against me the consumer and is attempting to collect a alleged debt through obscene matters under 18 USC 892 because anything coming from a consumer credit transaction is a FINANCE CHARGE which is the SUM OF ALL CHARGEs meaning any extension and any alleged debt coming from that extension of credit is already paid and any recollection attempts is a violation under 18 USC 892 and a violation under Racketeering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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 according with the Fair Credit Reporting act XXXX Account name-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.C1681 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 2015-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In 2007 I was being treated for XXXX XXXX While I was undergoing treatment I had many health care providers in and out of my home I was also going through a divorce at the time.My credit cards were stolen and in some cases accounts were opened in my name without my consent. When I became aware of what was going on I called the creditors and requested they close the accounts. I filed a police report and gave information to the creditors as to whom I suspected at the time.In regards to my credit cards. The creditors began calling and demanding payments. Then they reported the accounts to collection agency 's miss reporting dates.I filed disputes with the credit reporting agency 's in some cases I paid for my reports.The debts would be sold and re reported by other collection agency 's in some instances the reporting agency would remove and item only to have it replaced on my credit file or report it to another reporting agency. I locked my credit file down with all the credit reporting agency 's After fighting this for several years I have become unable to resolve this problem it has caused be great hardship as I am on XXXX XXXX and I am unable to rent a place of my own or have utility 's in my name. I did not receive any benefit from the fraud or transactions that were made on my accounts without my knowledge or consent. I have Federal loans that have been discharged yet are still being reported as in collection The loans are XXXX by the XXXX XXXX XXXX XXXX acct # XXXX and are not in collection.I have been harassed by collection agency 's every time they sell the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 explanation
Consumer complaint received 2022-11-23
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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX 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 blocking of the erroneous information which is being posted to my report. 

XXXXXXXX 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 2016-12-30
Company: Glass Mountain Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My family members have been receiving calls wanting my credit card debt paid. I try to call back the number and no answer. On XX/XX/2016 Glass Mountain Capital LLC sent an envelope to my mothers house asking for the debt to paid on my XXXX card. In this envelope they had numerous papers with all of my family members phone numbers, addresses, and social security numbers. There was also no XXXX bill in the paper work only a XXXX one. Both of these cards have been paid off years ago. 

They have no proof, yet requesting money and harassing my family. Along, with obtaining sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I purchased one pair of shoes while on vacation in XXXX XXXX from a store called XXXX XXXX. The cost was XXXX XXXX pesos, which converted to XXXX {$72.00}. The vendor ran my credit card twice for the same purchase without my approval/knowledge. When I returned to the XXXX a couple of days later, I had a fraud alert from Chase XXXX saying it looks like I had a double charge. I contacted Chase and disputed one of the charges and on XX/XX/2022, they reversed one of the charges and rate adjustment fee. Over a month later, I received a letter from Chase telling me the XXXX shoe store had provided information that both charges were legitimate. On XX/XX/2022, Chase added the charge back to my account. I went to my Chase branch in person on XX/XX/XXXX to dispute that charge. I asked them to send me the documentation provided by the vendor. The paperwork they sent me shows the XXXX store provided two credit card receipts for the same exact amount. ONLY ONE OF THE RECEIPTS WAS SIGNED. 
I called Chase on XX/XX/2022 and was told that because the credit card had been used in person, actually run through an on-site processing terminal, even though I didnt sign both receipts, I was still obligated to the charges just because they had had my actual card to run through the processing terminal. Chase blamed XXXX, said it was their call and Chase could do nothing and I had no recourse. I asked for contact information for XXXX and Chase refused to provide it. 
I can not contact the XXXX shoe store as I dont have their contact info and nothing with their name comes up on XXXX or through any other search. I sent an email to the XXXX XXXX XXXX in XXXX asking if they have contact info on the vendor but they have not responded. Chase said they had no contact info for the vendor. 
It is so obvious this is a scam ; I am incredulous that Chase and XXXX are giving me this run-around. I want a refund of the fraudulent charge of XXXX {$72.00} plus the rate adjustment fee. 
The Chase Claim number is XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/1985 XXXX XXXX XXXXXXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, 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