BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXXXXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2021-07-24
Company: Experian Information Solutions Inc.
State: MA
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:
This issue has been making life very difficult. I can not begin to tell you how many times I have submitted proof of innacurate reporting from XXXX. Back in XXXX this account was supposed to be closed and removed from my account and for the past couple of months I have been doing nothing but providing proof of this. Today I checked my credit report and it showed that my credit report has gone down XXXX points due to this account. I have already put in an offer for my house which was accepted, and this on my account is the worst thing that could happen. This account is closed, so why would my credit score go down because of a missed payment? If you check your records, you will see that I have shown proof that this account should no longer be on my 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 2022-01-28
Company: Experian Information Solutions 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2017-07-21
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a CRA billing and payment problem with Chase Amazon Card # XXXX issued to me, XXXX XXXX. Chase notified XXXX only that I paid my bill " more than thirty days late in ithe XX/XX/XXXXbilling cycle. As a result, I had my perfect payment record destroyed and two creditors closed their credit accounts! Chase made a mistake. Under FCRA rules, Chase Card must mail me a statement each month so I know how much I owe. they did not mail me any statement. Chase claims to have sent electronic statements but, I did not receive any. Since last XX/XX/XXXX, I have been treated for XXXX and in the hospital. I do not see any computer statements at all. Under Federal and NYS consumer safety rules, I am not liable for any debt that is not mailed to me timely each month. However, I did pay the bill due during the XX/XX/XXXX ( attached ) statement cycle. I called up on XX/XX/XXXX and made a payment for {$210.00} by phone with Chase. However, Chase did not attempt to collect this check by phone. Chase just returned the check after making one attempt to collect it on XX/XX/XXXX. Federal and state consumer laws prohibit creditors from punishing consumers until they have collected the check at least twice. A check in NY is not considered NSF until it has been returned three times. Just to make sure I did make the payment, I called up and asked why the check was returned. Chase advised me to speak with a manager. I asked the manager on XXXX XXXX to accept a check for two payments for {$480.00} so the XXXX and XXXX cycles were paid. Please know the manager at Chase agreed to manually apply the {$210.00} due on XXXX XXXX and apply the balance due for XXXX XXXX cycle for {$270.00}. SO CHASE GOT THEIR MONEY AND THE STATEMENT PROVES THAT. The XXXX XXXX attached statement shows that I paid {$210.00} on XXXX XXXX. The XXXX XXXX attached statement shows that I paid {$500.00} which covered two months of payments. Please remove the creditor statement that states " more than 30 days late '' on the XXXX Credit Report for Chase Amazon Card # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Integrated Recovery Services
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I received a phone call from Intgrated Recovery Services regarding an installment loan that I could n't finish paying. I asked if I could call back after I checked the information out. I found that I did take the loan out. I could not remember this company when I was first contacted. I called back the same day to see what kind of arrangements I could work out. The first man I spoke with was busy so I got another man. I told him that I had never received anything in writing to validate the collection. I know I owe the pay day company but was n't sure if this company had bought the debt. I wanted a notice in writing. They asked if an email was ok. I said that I wanted it in writing by mail. The guy started yelling at me telling me that Trump had changed the laws and I am going to lose and I should just pay my bills and my tricks do n't work. Trump changed laws and he is not on my side. I 'm finished. I find that to be so belligerent and rude and honestly scary that someone would speak to me that way when I just wanted some validation that this company actually bought the debt. I only borrowed {$300.00}. It ca n't be that hard to make an arrangement once they verify that they actually bought the debt from XXXX. XXXX. I do n't want to call them back and be talked down to and screamed at. I did n't treat them that way and ca n't participate in resolving the issue if they cant be professional. I also do n't know why they find it so difficult to send me something in writing to validate the debt. Legally they have to sdnc something in writing notifying me of the debt. I have never dvdn received any collection notices from the original creditor. I find it fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
In accordance with the Fair Credit Reporting Act XXXX account number # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX account number # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-14
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Review attached evidence. Consumer Fraud and insurance fraud. Not mine. Delete from my Lexis Nexis XXXX XXXX report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Receivables Management Corporation
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I get at least 10 calls a day all types of hours for debt that is not mine. They refuse to stop calling. all at night all on weekend. Its a huge nuisance in my life. 
Calls are from Synchrony Bank These are some of the numbers XXXX XXXX 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 2021-02-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I reached out to Citibank XXXX XXXX XXXX XXXX for a Covid Forbearance. I was denied when i asked for more information they refused to provide me with the information as to why i was declined. 

I am still unemployed so i tried again and was declined. I asked for additional information and none was provided. I continued to request that my concern be escalated. It took at least ( 6 ) phone calls to get someone to take me seriously. 

I never got a call from the escalation team. Three weeks later i got an email. They stated it was an internal issue as to why I was denied twice. I have paid my account on time and tried to keep up with my credit card debt. They offered me XXXX XXXX XXXX miles. That is not enough to buy a ticket one way. 

I am unemployed over 6 months and the offer miles, I did not get the opportunity that other customers in my position received. Citibank did not even care enough about me and what is going on in my life.

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 2022-01-28
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have previously filed a complaint against the lender ( XXXX ). The lender took 2 months time to respond. My wife 's chapter XXXX bankruptcy petition has been approved as of XXXX of this month. Nevertheless, Carrington Mortgage ForeClosure Prevention Office in XXXX, TX is sending mails to us and threatening of foreclosure. The property currently have an automatic stay order and an exempt property under Federal Bankruptcy Law ( Chapter XXXX Bankruptcy Case # XXXX ) The lender has not moved the foreclosure auction sale notice from the XXXX District Clerk 's office either, which is causing harassment by number of buyers around the home everyday. Please help us against this illegal foreclosure procedure. The local division of the lender 's office information is below : ForeClosure Prevention Office :XXXX Ref # XXXX Loan # XXXX Sincerely, XXXX XXXX P : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have contacted Transunion several times with no success in getting a unauthorized inquiry removed from my credit file. This same inquiry with XXXX XXXX  has been listed on my other credit files, which I disputed and was successful in the removal of the inquiry. I do not have no account with XXXX XXXX at all.

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 2022-01-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since the beginning is 2021 I have been working on increasing my credit score. 
I've signed up with experian, established chime account, car loan, XXXX and more. No foreclosures, no car repos, no evictions, perfect rental history, and all are paid perfectly. 
Why do I have a XXXX credit score? 
Experian keeps emailing me about credit updates yet my score is XXXX. There's no viable telephone number to speak with them. Now, astonishingly, I was just denied a rental application. Can you help or show I file multiple lawsuits?

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 2017-07-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
My husband tried to wire {$4000.00} to his ailing parents in XXXX. He went to the branch of Santander Bank on XXXX XXXX in the XXXX XXXX of XXXX ( zip code XXXX ). The bank record showed that on XXXX XXXX, {$4000.00} as well as {$40.00} wire transfer fee were taken out of our checking account. On XXXX XXXX, I received a message from the branch manager saying that there was a problem. I talked to the manager who told me there was a discrepancy for the receiving account ( name and account number did not match ). I told her that I did not have the relevant information to help her and my husband was out of town but he would be back Monday. My husband went to see the manager on Monday and together with the branch manager they figured out the typo. He told me everything was all set. On XXXX XXXX, I found XXXX entries on my account : " incoming wire transfer ER '' for {$3900.00} and " incoming wire transfer fee '' of {$13.00} dated XXXX XXXX. So my husband 's wire transfer did not go through but we were charged a total of {$93.00} in fees ( for nothing ). This is outrageous. An outright highway robbery. Today, my husband went to see the branch manager who only agreed to refund {$13.00} for the incoming wire transfer fee. We will still be out {$80.00}. I do not know how wire transfer works but common sense tells me this is just not right, if not out right fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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:
Equifax was informed weeks ago to remove these inquires and still has not done so. Ive been submitted a request by phone and now Im sending the request now to remove inquiries that i have no knowledge of. Final warning!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: U.S. BANCORP
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under wage wager in XXXX and discharged in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX  sent me a copy of my XXXX XXXX XXXXXXXX. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against XXXX XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX-my home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX XXXX XXXX XXXX, rather than to me.

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