BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a health provider who filed a claim with my insurance company, who in return paid for a percentage of the original bill. The Explanation of Benefits from my Health insurance company showed that I was covered 100 % for the bill, and that I did not owe any amount to the provider. However, the health provider still sent me a bill for the balance of the original total, less the amount paid by the insurance company. The Health provider subsequently sent the debt to a collection agency, who immediately reported it to the credit agencies, XXXX XXXX and XXXX. I have since written letters to both the Health provider and the collection company explaining to them why I do not owe any amount for this bill, and provided them with a copy of my EOB from the insurance company. I have not received a response from either the Health Provider, or the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Information belongs to someone else

Complaint:
hello, my name is XXXX XXXX ans I am a victim of ID Theft. The credit bureaus already deleted the fraudulent previously and reported it under a different name ( XXXX XXXX ). i have included my FTC 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 2022-06-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
hello, my name is XXXX XXXX ans I am a victim of ID Theft. The credit bureaus already deleted the fraudulent previously and reported it under a different name ( XXXX XXXX ). i have included my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been trying to remove these inquiries that these two companies have been putting on my report TransUnion and XXXX are the two worst one with no respect for consumers. I have called them several times to let them know how can I have inquiries when I am not even in the country, I spend most of my time overseas getting medical help because I am a XXXX XXXX XXXX XXXX. I sent them proof of my passport with the XXXX entry stamps so they can see and I also called and they said that they will remove those inquiries but still nothing has been done. They put freeze and fraud on your report without your consent just because that is the easier way for them to say that they are working versus actually doing their jobs and check the validity of an account. they keep deleting and then re-enter the same account back in your account which is gainst the law. If I had the money I would not waste my time complaining I would of just sue them because I know I would win. they are just shady making money on behalf of us consumers and they are also selling our credit file to other entities likeXXXX XXXX etc. that is against the law they need to be stopped.

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 2022-01-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I received a push notification from Chase, regarding a check they had identified as fraud in the amount of {$8000.00}. I immediately responded letting them know the item was fraud, basically confirming what their system had already identified. 

Chase paid this check, even though the payee and make signatures were an obvious mis match, and even after their internal system had clearly identified the check as fraudulent. 

I did make a claim to recover these funds, but the representative told me that if Chase doesn't recover the funds from the bank that cashed the check, Chase won't return the {$8.00}, XXXX back to my account. Nonsensical, because Chase FUNDED the check when it was FRAUDULENT. 

Unacceptable, as I am a long-time customer and my children also have accounts. This is not how any customer should be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Experian Information Solutions 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:
OnXX/XX/XXXX, I sent a letter to Experian ( see Attached ) requesting for them to correct the errors on my credit report, AND to provide me with a validation document bearing my signature. There are several serious errors reported by XXXX XXXX and XXXX XXXX XXXX/XXXX ( All account numbers listed on my report ). Experian send me a response stating they will not re-investigate these items. On XX/XX/XXXX, I sent a 2nd letter to Experian to requesting for them to correct my report and to provide me with the a copy of the original document I signed, as well as their verification method. I also requested for them to give me the name, address, and telephone number of the verifying party. Experian again, replied with the same letter stating that they would not re-investigate. As per the FCRA I am entitled to be provided with documentation from the credit reporting agency, bearing my signature, to validate the debt. Furthermore, this request is supported by XXXX v. XXXX XXXX XXXX, XXXX XXXX ( XXXX. XX/XX/XXXX ). <P/>I believe that Experian should not be able to use " Bully '' tactics and hold consumers at bay from receiving lower cost financing. As you can see by the attached, I am having the same exact problem with XXXX XXXX and 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 2021-07-23
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX My sister and father and where killed in a car accident. I wrote letters to the school and nelnet with no response asking to remove the late payments due to the situation. To no avail nothing happened. In XX/XX/XXXX I lost my grandmother due to XXXX, I had a XXXX at the funeral. XX/XX/XXXX I became homeless. I have consolidated all of my loans and everything is up to date. I have several classmates that late payments were removed due to loss of work. What about loss of life!! I ca n't find work in my profession due to these late payments my score has dropped so low due to these pate payments I am begging Nelnet to give me a second chance and please remove them for me. I have suffered so much over the years. I just want a job so I can pay my student loans off and everybody is running a credit check. I served 10 years in the XXXX XXXX XXXX. I put my life on the line for my country, and I ca n't even get help from my country when I am suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I submitted a complaint regarding EQUIFAX handling of a dispute regarding 2 companies two days ago ; subsequently they dropped my credit score by 52 points even though they indicate there were no changes in my credit record. 

I believe they dropped my credit score because of my complaint I filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My father passed away in XXXX of 2021. He has three business accounts at Wells Fargo. I am the executor of the estate and have become the member and new owner of the business. Ive provided all required proof to Wells Fargo but they still arent giving me access to the accounts. They cant tell me what the next steps are but continue to tell me theyll call me back when they find out. Its been months and they continue to tell me the same thing. I dont know what else to do other than get a lawyer involved.

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 2022-06-10
Company: Upgrade, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Upgrade pays cashback on payments made using a debit card. Upgrade has failed to provide cashback on transactions incurred in XX/XX/ 2021 and XX/XX/ 2021. Multiple calls were made to customer service who have acknowledged that the cashback is not credited to the account due to " technical issues '' and the issue will be resolved. It's been more than 6 months and upgrade hasn't cooperated. My last email communication to upgrade was on XXXX XXXX, 2021 but I received no response to the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25
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: Investigation took more than 30 days

Complaint:
ftc violations attached and listed XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX SXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXXDispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 24 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 30 accounts, 18 potentially negative View All Inquiries For AccountsBy Employersshow tooltip button 9 hard inquiries Not Disputable Online. Details Public Records Bankruptciesshow tooltip button No public records reported

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In the summer of XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in  XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on Equifax, XXXX  and XXXX is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my XXXX XXXX XXXX, I have been in XXXX from all XXXX and XXXX for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as Equifax, XXXX and XXXX, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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:
Re : Account number # XXXX I have previously disputed the accuracy of the information for the closed at my request and paid in full account with XXXX and all CRAs ( XXXX, Equifax, XXXX ), however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Last reported Date last active Date of last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: TN
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:
I was notified through XXXX XXXX  that there were some inquiries that reported to my account that was not authorized by me. These inquires have brought my score down almost 10 points. I believe someone has stolen my SSN and is trying to apply for things in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have a Nordstrom credit card on my account. Ive been disputing for the past 3 years but they keep denying me. I placed a fraud alert on my account since 2017. Nordstrom has this on my credit since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I've tried numerous times to have the creditor Police and XXXX XXXX XXXX XXXX to remove a inaccurately missed payment from XX/XX/2019. I never missed a payment and was told to contact the bureaus to fix and it's still not fixed. This is causing harm to my credit reports and preventing me to be qualified loans and causing tremendous stress. So since no one is fixing this problem I'm submitting a complaint. This is not fair that they messed up and I have to suffer because of their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I answered my phone, was asked my name and then read off my address to verify. It is illegal for a company to give out personal information like that, they are required to have my verify the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: ProCollect, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Received collection letter from ProCollect on XX/XX/XXXX. 
2. Did not recognize original creditor ( apt I had never lived in ). 
3. Submitted debt validation letter on XXXX to ProCollect via certified mail 4.  Received debt validation lease contract on XX/XX/XXXX with information that showed debt did not belong to me ( DoB, address of residence is not mine ).

5. Sent letter to ProCollect pointing out that the debt was not mine, with driver 's license as proof showing it was not mine.

6. ProCollect filed the collection against my credit accounts anyways, despite the evidence I provided, in attempt to coerce 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 explanation
Consumer complaint received 2017-06-28
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: Account information incorrect

Complaint:
In XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on XXXX, XXXX  and Experian is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my substance use disorder, I have been in recovery from all drugs and alcohol for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as XXXX, XXXX and Experian, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.

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 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Two different occurrences of online banking accounts opened fraudulently with Bank of America within the last two weeks. Both accounts were active when I called to have them closed and report fraud. The bank employee instructed me to file a complaint with CFPB.

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 2019-11-22
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
From XXXX to the present day, this company has repeatedly called my home and mobile numbers, as well as the mobile numbers of my family, multiple times a week, sometimes multiple calls daily, in regard to debt that is not owned by any of us. During calls, the company claims to be XXXX XXXX. I've notified the callers that the numbers they are calling are the wrong numbers, the numbers do not belong to the person they are attempting to contact, and to stop calling. They then proceed to call with a different phone number. I sent a cease and desist letter today ( XX/XX/XXXX ) because previous requests to stop calling went ignored.

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