BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX and not a credit repair company -Bankruptcy chapter XXXX XXXX U.S. Bankruptcy Court XX/XX/XXXX -Bankruptcy chapter XXXX XXXX us bankruptcy court XX/XX/XXXX, I have asked more than 3x for a response as to how this information was verified and whom did they speak to? I have submitted proof from the Us Babkruptcy court stating they do not furnish bankruptcy, judgments or liens to the credit bureaus. The FCRA states " I have the right to a complete and accurate credit report, and any errors must be deleted.

I have exhausted my options with no result. 

-Original creditor XXXX XX/XX/XXXX {$170.00}, The fcra states I have the right to a accurate and complete credit report. This account on my credit report is inaccurate and has incomplete information as to whom the creditor is, which makes this account inaccurate. I have demanded that this account be removed from my credit report because it has caused unwanted derogatory marks, causing my creditor score to be lower. 

-XXXX  XXXX XXXX XXXX XX/XX/XXXX This account has reported inaccuracies and i demanded it be deleted. The open dates has XX/XX/XXXX transunion, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX which shows different opening dates which are inaccurate, Transunion reports no data for the history of payments, XXXX reports the account being charged off, XXXX reports the account as OK. There can not be 3 different reports for the same account. The reporting data has must to match to be accurate. Thus making this account inaccurate and I demand that this be deleted. 

XXXX XXXX  XXXX XX/XX/XXXX this account is reporting inaccurate date to my credit report and causing derogatory marks, which in turn is lowering my credit score. 
You are report my account as charged off. Transunion is reporting this account with no data. XXXX is reporting as charged- off and XXXX  is reporting as OK. All 3 credit bureaus must rert accurate data. Transunion, XXXX and XXXX can not report different payment data. It has to match. The date of last activity is different from transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. The correct opening date can not be determined because it does not match, therefore this is inaccurate. I demand that it be 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 explanation
Consumer complaint received 2016-10-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 I use chase bank atm on XXXX XXXX XXXX XXXX XXXX tx XXXX. The atm gave me back part of my deposit but kept {$220.00} of my money and gave a receipt with a XXXX to call. I filed a claim with chase and they are stating they ca n't find the funds. I really need this issue thoroughly looked into because I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27
Company: GETM INCORPORATED
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a collection in my credit report that I have not received any information or appropriate documentation whatsoever. I have disputed this item on several occasions but I never received anything back from the creditor or collection agency. It is a collection from Valley Creditors Service in the amount of {$2800.00}.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted multiple disputes with Experian because they are reporting a late payment with my XXXX XXXX that is incorrect. I disputed and no change. XXXX has sent XXXX requests to change the information and Experian has not changed anything. XXXX has verified multiple times that there are no late payments on my account yet Experian keeps reporting that in XX/XX/2016 that I have a late payment.

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 2016-06-04
Company: Credit Bureau of Bessemer, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked CB Bessemer XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: URS Holding, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 Alltran Financial , LP XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the XXXX Account. I have paid this bill in full to XXXX on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to XXXX bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A Group called " XXXX XXXX '' reported a debt of XXXX dollars being owed to XXXX XXXX without ever notifying me that there was a debt owed. First, I do not owe this debt, second I was never contacted by the collections agency. I have rights to dispute this charge and they never contacted me to dispute the charge. Under the FDCP I have rights to make any collections agency verify the debt. If they tried to verify the debt they would know that I do not owe it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Over the last 1 year or so I XXXX XXXX XXXX have submitted over 6 attempts ( Which I have proof ) to get the bureaus to get this Illegal account off my credit report which has been illegally reporting on my credit report. The most recent request sent by certified mail have been on XX/XX/2021, XX/XX/2021 and XX/XX/2021. Each one of these request no response has been given. They have failed to provide me per the Fair Credit Reporting Act, Section 609l ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have reached out to 3rd party verifiers that bureaus do business with and none of them claim that this account is reporting with my correct info on it. The information they have on file is incorrect and for the past year they have blatant refused to remove the bankruptcy off my account or provide me documentation that they have the verifies that I am the correct account holder of this public record. This has now caused me to lose out on a business opportunity that would have helped out my family. 




Chapter XXXX Bankruptcy Reference # : 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 2021-09-27
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Schrier, Tolin and Wagman, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  XXXX is reporting debt on my credit report i have sent numerous debt validation letters their attorney once responded with a contract with a signature and everything else on the contract is incorrect such as the date the debt occurred the amount of debt the type of debt absolutely nothing matches they say its a credit card debt but sends me documentation for a secured loan i have attached supporting documents from what was sent previously

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EdFinancial Services
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had an economic hardship starting in XXXX of XXXX and ended in XXXX XXXX. I requested in XXXX XXXX an economic hardship deferment from the loan servicer Edfinancial for the months of XXXX XXXX XXXX. This economic hardship deferment was granted and the approval letter stated that the account would be considered current for those months of the deferment. There were XXXX late payments during that deferred period in XXXX and XXXX of XXXX. The approval letter additionally stated however that the derogatory payments would n't be corrected on the payment history even though my account was to be considered current during the deferment time. Talking to the lender 's representatives did n't help. At first, they stated that since I stated on the deferment request that I was n't on public assistance ( the answer to this was yes and no. I was on public assistance in XXXX and XXXX XXXX but was n't from XXXX to XXXX XXXX so I answered no ) but when in a later conversation with another rep pointing out that I was on public assistance, that representative stated that because I filed the deferment request in XXXX and was n't on public assistance at the time I filed the deferment request, they could n't correct my payment history on my student loans. The rep also erroneously claimed that the payment history reported at the time was true and could n't be changed. This is a violation of the Fair Credit Reporting Act in that they are reporting incorrect payment history to the bureaus since the creditor themselves have said they consider the account to be current during the deferment period, thus the payment history should reflect that. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX upon referral from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Focus Holding Company
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX is alleging that I owe {$250.00} for a " Previous Balance ''. I have disputed this claim multiple times over the past 3 years but no one will explain to me what the " previous balance '' is from. Focus Management ( the debt collection agency ) removed the debt from my credit after I disputed the debt and then within a few months added the debt again ( this happened three times ). It 's a cycle of harassment. Focus Management refuse to send me a bill that explains what I owe. XXXX XXXX required that I pay {$10.00} per pay statement to obtain a bill from them. It has been a ridiculous cycle. If they can prove that I owe something I will pay it but so far they have not validated the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My credit report reflects a collection account owned by Jefferson Capital System, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: S&S Physician Services, 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: Information belongs to someone else

Complaint:
603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the below account is prohibited by law to publish on any credit reporting agency. 

On XX/XX/XXXX I sent a second dispute to XXXX regarding an inaccurate/ fraudulent Medical bill that they are reporting on my credit. I was never in the hospital when the bill stated that I was, and my insurance has no records for any request for payment for the bill in question. 
XXXX sent me a statement report on XX/XX/2021 report # XXXX The report states that they have investigated item account # XXXX and that the item belongs to me. 

XXXX did not provide any details as to how that Item was found to belongs to me, Per the dispute, I requested for the second time that XXXX furnished proof that such an item belongs to me and a copy of the HIPPA release form that I signed by me authorizing my medical data to share with these above-mentioned third parties. This is a clear violation of my rights according to HIPAA. Harvest Associates INC and XXXX for the second time failed to furnish the requested proof yet, the negative item continues to reports on my social security credit device.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
A XXXX dollar home was built in our neighborhood. Prior to people moving in, the house largely burned down, creating a major eye sore for the entire neighborhood. This occurred on XXXX XXXX 2009! And, to date, XXXX XXXX Chase declines to assist in any way to facilitate in assisting the neighborhood clean up this ugly mess seen here on XXXX : XXXX NOTE : I have personally, as well as countless others in my community contacted Chase about help. They say they can not & will not talk to us about this, as we are not the owners. However Chase annually pays the property taxes, not to mention " other '' costs, so they have a financial interest in the property. They just do not care enough about the local personal property owners to bring this matter to a close or rectify it by rendering assistance to us!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I would like to report a concerning discrepancy between my payment made in full to XXXX XXXX XXXX XXXX debt collections service company, Sunrise Credit Services, and lack of payment confirmation from XXXX XXXX XXXX. My credit report incorrectly indicates that my {$8500.00} XXXX XXXX XXXX debt was, " charged off. '' This information is incorrect as I provided my account number and my bank 's routing number to Sunrise Credit Services with the understanding that they would pay off my debt, update the credit report and expeditiously notify XXXX XXXX XXXX of my payment status. XXXX XXXX XXXX provided me with a secure credit card after enduring a difficult and unexpected financial period. Unfortunately, during the XXXX pandemic, I fell victim to identity theft, cybercrimes, and fraud. I keep in contact with XXXX XXXX XXXX to ensure I upheld by my customer responsibilities, and integrity as a loyal law-abiding consumer. For the record, the XXXX XXXX XXXX team was accommodating, and provided me with options to resolve the unprecedented dilemmas that arose during the COVID-19 pandemic. For security purposes, I closed the account with the intention of reopening an account at a later date. On XX/XX/2022, I happily made a payment, in full, to XXXX XXXX XXXX, through the debt collections service company, Sunrise Credit Services www.sunrisecreditservices.com, XXXX. On XX/XX/2022, Sunrise Credit Services withdrew the total amount of {$8500.00} from my checking account. I felt the weight lifted off my shoulders and was relieved I finally paid off my debt to XXXX XXXX XXXX. Unfortunately, to date, my payments to XXXX XXXX XXXX via Sunrise Credit Services are still not reflected on my XXXX XXXX XXXX account, nor have been updated on my credit report. My credit report incorrectly indicates that my XXXX XXXX XXXX debt was, " charged off, '' which is false and derogatory information on my credit record. I provided my account number, routing number and payment in full, via phone to XXXX XXXX at Sunrise Credit Services. I am concerned my payments were misappropriated.

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