BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-24
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: Account status incorrect

Complaint:
I have been contacting TransUnion since  XXXX   XXXX ,   XXXX  . Since  XXXX    XXXX   my  credit score h as been lowering due to closed accounts I never was aware of on my credit reports. My mother added me as an authorized user on accounts without my knowledge, and because our mailing address was the same address. This has hurt my  credit score,  then I was advised to dispute these accounts off my credit report without making me aware that it could effect my score in a negative way even more. Which was the result of the disputes. TransUnion now has lowered my score as if I have no credit history and I called multiple times to understand why my score lowered again, and spoke to  4  different representatives and no one helped my situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: AZ
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 tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Cascade Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
You have violated my rights as a consumer according to The Fair Debt Collection Practices Act ( FDCPA ) on multiple violations. 

Violation 1 and 2 : 15 USC 1692d ( 806 ) Harassment or abuse ( 2 ) You harassed me after I stated that the alleged " debt '' did not belong to me, via email. 
You harassed me after I stated that the alleged " debt '' did not belong to me, via phone. 

Violation 3 and 4 : 15 USC 1692c ( 805 ) Communication in connection with debt collection ( a ) I never gave the debt collector permission to communicate with me in connection with the collection of the alleged " debt '', as I have been harassed via email. 
I never gave the debt collector permission to communicate with me in connection with the collection of the alleged " debt '', as I have been harassed via phone. 

Violation 5 : 15 USC 1692c ( 805 ) Communication in connection with debt collection ( a ) ( 1 ) I informed the debt collector that it is NEVER a " good time '' to harass me about an alleged " debt ''. 


According to the FDCPA, you, Cascade Capital Funding LLC, assume liability to pay individual, remedies PER violation of {$1000.00}. 

Cease all alleged " debt '' collections following this communication. You do NOT have permission to contact me in regards to any alleged " debts ''. You have 3 days to remove any alleged " debts '' and respond only with violation remedies of {$5000.00} ( 15 USC 1692k ( 813 ). Civil Liability ( 2 ) ( A ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My home was destroyed by hurricane Ida and condemned I was selling my kitchen cabinets on XXXX XXXX for XXXX this person by the name of XXXX XXXX reached out and wanted to buy them. The agreement was he would send check for the amount of the cabinets plus moving fees for a company to pick them up I received a check for XXXX so XXXX for cabinets XXXX for moving fees. He coaxed me into sending him the XXXX through XXXX via my chase bank. He said thats the only way the moving company would move the cabinets. They needed the money up front. He then two days later canceled it saying his sister had an accident was in the hospital with XXXX XXXX XXXX and he needed the XXXX sent to him in cash thats when I realized it was a scam. He scammed me at a very vulnerable time I have lost my home. Im a XXXX in the XXXX just come through XXXX I need this money back. Please can you help me. This is just not right. I need my chase to look into this for me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CONVERGENT OUTSOURCING INC . I RECEIVED LETTER FROM THEM IN XX/XX/2019. THE BILL WAS {$700.00}. I SETTLE WITH THE COMPANY FOR {$500.00} DOLLARS.THIS WAS PAID WITH MY DEBIT Card XX/XX/2019 THEY SAID BILL WAS NOT PAID. I SENT THEM A COPY OF MY BANK STATEMENT WHERE IT WAS TAKEN OUT OF MY ACC [ 'T.THEN THEY WANTED TO HAVE A CONFIRMATION NUMBER. I STATED THAT I NEVER RECEIVED ONE. THIS IS STILL ON MY SPOUSE AND MY CREDIT, AFTER ALL THESE MANY MONTHS UNPAIDED

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 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans union failed to conduct a reasonable investigation. I requested to have my dispute in  XXXX    XXXX   properly investigated and needed to have specific information on how they conducted the information and what date and time they contacted each disputed item. I also requested that they provide the person whom they had spoken to so that I may contact them as well. They also took add many disputed items and reinserted them without prior notification as required by law.  Trans  union is in direct violation of the FCRA and must remove all disputed items including all inquiries. The information they are providing to potential creditors is erroneous and they have failed to follow the law as required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Credit Karma, LLC
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was in XXXX XXXX jail from XX/XX/XXXX to XX/XX/2021 and my card was used without my permission. When I got out of jail I contested the purchases that were not approved. My account was credited only for some of the purchases and Credit Karma froze my account and will not let access my funds that were credited back to my card and will not perform an investigation on the other money stolen. They also refuse to close my account and have a paper check mailed to my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Is been a year since I send my first letter to Experian for them to delete addresses and names that appeared on my credit report and as of today XX/XX/2022, they have not deleted anything. I have also made several complaints here and CFPB is done nothing. Where else do I need to complain?

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 2020-04-22
Company: U.S. BANCORP
State: AR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/20, I tried using my U.S. Bank XXXX to complete an online transaction. The transaction read as invalid card. I tried to withdraw funds from the ATM and the card automatically read as invalid card. I received this card on XX/XX/20 and completed the activation. The card had funds available and worked fine. I have {$1400.00} available on the prepaid card as of XX/XX/20. I am unable to access them and there is no reason why. The customer service number on the back of the card gives a busy signal each time I dial out. There is no one to offer assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Winklevoss Exchange LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with Gemini. Shortly after doing so my account was frozen without explanation. I have filed a support ticket and reached out to gemini for support. No response. My user name is my email. XXXX. After submitting my ID and a selfish with the date and required info I have yet to recieve a response. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I require this debt to be validated that it belongs to me under the Fair Debt collection Practices Act. I have the right to request validation. I want in writing any proof that I am the party owing the debt, any EOB and statements proving the debt is mine. If not provided within 30 Days please remove from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Chime Financial Inc
State: GA
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 my card from Chime was charfe 3 translations. My card was cloned and I called these companies who have no idea what the charges are and filed a dispute with Chime who is refusing to refund me trying to say these charges are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: SYNCHRONY FINANCIAL
State: MI
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:
My account with synchrony bank was paid by settlement in XX/XX/2017. The account is still being reported with a balance owed of {$610.00}. I have reached out multiple times to have this corrected and still has not been.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am trying to purchase a home. I have an inaccurate Experian credit score that has not been updated since XXXX XX/XX/XXXX. This is resulting in a higher interest rate. By law Experian is supposed to updated any inaccurate info on my credit report after 30 days. I have also disputed the two collections accounts on my credit summary but they still shows the accounts are in collections. They were paid off on XX/XX/XXXX. I need someone to ensure my score is reflected correctly to shows updated and accurate info. I have attached screenshots to reflect the issues, disputed info and more.

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 2017-04-24
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently filed a complaint against,  XXXX   XXXX   XXXX  regarding this same issue. However, the same issue remains with  PNC Merchant Services.      In  XXXX  of  XXXX , I purchase a   XXXX   XXXX   in Florida. As part of the venture, I signed up for merchant services with  PNC Merchant services. As part of the agreement, PNC Merchant Services  would take a percentage of my company 's production that was processed via credit card. Each credit card ( e.g.  XXXX ,  XXXX   XXXX ,  XXXX , etc ) had a different percentage that would be deducted for the amount collected.     In  XXXX   XXXX , my   XXXX   XXXX   went out of business and a settlement agreement was reach with  PNC ba nk to write off the remaining loan balance, as the business was sold at a significant loss. The credit/debit card machine was returned to  XXXX   XXXX  via  USPS  delivery confirmation.  XXXX   XXXX  and  PNC Merchant se rvices were both informed that the dental practice was no longer in business and that all equipment was returned.     The last credit card purchase made at my business was during the first week of  XXXX   XXXX , at which time,  PNC Merchant Services  took their agreed upon percentage. No further transactions were processed at the business, and the credit card terminal was returned. However , PNC Merchant Services  continues to sent me bills for aggregate fees, which I do not owe since I have not used their credit card services since the business closed. Any percentage of   XXXX   is  XXXX . Please help me resolve this issue. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to receive help with my student loan payments. The company, Navient, will not respond to my requests for help with anything other than, " Call us. '' They will provide me no options and no information, not even my current loan payment amount. They changed my payment amount without me knowing about it, and now they're reporting me late on my credit report despite me providing them with payments every month for almost 10 years. 

I requested help via email and via their online form on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times ), XX/XX/XXXX, XX/XX/XXXX ( 3 times XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX ( twice ). That is 28 times I have contacted them and asked for help and they have not responded with anything else other than " call us. '' I have made offers to fix my payments, I have made requests for the correct payment amount, I have made requests for forbearance. I have explained that I can not speak with them on the phone each time. I have continued to make regular payments to them every single month since XXXX. However, their only response has been " call us. '' They refuse to provide me any information at all via email or postal mail. I have responded each and every time they call and leave me a voice mail or they send me an email. I have repeatedly made offers with specific amounts in them to get this account current and I receive no response at all from this company. I can not call them, and they will not deal with me in any other way, so I have no recourse whatsoever. 

I even offered to completely get my account up to date if the company would simply tell me what my monthly payment amount would be. You might have guessed by now, their only response was, " Call us. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
Loan was sold in the middle of a Covid forbearance and new servicer reported loan as over 120 days delinquent. No payments were ever missed, current going into forebearance.

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 2022-10-07
Company: EQUIFAX, INC.
State: IL
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 was a victim of identity theft. There are many accounts and inquiries on my credit report that I have disputed, as well as names and addresses that have not been removed after I disputed them. I have mailed countless letters to this credit bureau & still are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing inquiries that were not made by me and they were not removed and no response or actions has been made by the credit reporting company. 
Below are the inquiries that are to be removed : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/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 2021-12-10
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I request validation of the debt by CMRE Financial Services that reported on my credit report on XX/XX/21. Per the Fair Credit Report Act I have the right to require this debt be validated that it is mine or be removed from my credit report. I would like all documentation, EOB 's, statements and medical records sent proving the debt is mine to pay within 30 days or remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: PA
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 pulled my credit report back in XXXX of 2022 and noticed I had three collection accounts being reported. The amounts were {$1100.00}, {$780.00}, and {$930.00}. On XXXX XXXX I mailed a validation letter to XXXX, XXXX and XXXX requesting validation of these debts. I had read online the credit bureaus have 30 days to review request, so allowed the appropriate time, however I never even received anything stating the debt was validated. So, on XXXX XXXX i mailed a second letter to all three buraus asking for these collection accounts to be reviewed and verified as they were destroying my credit score. Again, I allowed another 30 days and still hadn't received any kind of response. I mailed my third letter on XXXX XXXX, stating my step would be to file a complaint because the handling of my request was beyond unprofessional. To date, I still haven't received anything thing from XXXX, Equifax or XXXX. I would like to point out that, he debt in the amount of {$1100.00} had inaccurate and incomplete information reporting. The last dates of activity are different between Equifax and XXXX and the payment history reports collection/charge off on XXXX, however on Equifax it is completely blank. For the debt in the amount of {$780.00}, on my XXXX report the last date of activity has XX/XX/2022, but Equifax has XX/XX/2022. And again, the payment history reports collection/charge off on XXXX, however on Equifax it is completely blank. Lastly the debt in the amount of {$930.00} has 3 different dates listed for date of last activity. XXXX has XXXX/XXXX/XXXX, Equifax has XX/XX/2022 and XXXX has XX/XX/2022. For the payment history, XXXX is blank, Equifax is reporting on time payments an XXXX is Blank. i have included all the letters i have mailed along with screenshots of my report.

Company response to consumer: Closed with explanation