BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-01
Company: JPMORGAN CHASE & CO.
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:
Chase Credit Cards are showing a deliquent account that I never applied for. 

The account is also registered to an address I have never lived at

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: EQUIFAX, INC.
State: CA
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 have spent the last several months trying to deal with a fraudulent account listed on my Equifax report and the lender is XXXX/XXXX XXXX. I have sent in multiple disputes with detailed documentation as supporting evidence that the account does not belong to me and Equifax has not removed the account and XXXX keeps verifying the account that I have no knowledge or consent of. If I have sent the required information to Equifax, they are required to remove it. It has severely hindered my financial outlook and all I am asking for is a removal. I have provided everything in the form of documentation and have patiently waited and nothing has changed because XXXX wont remove something that does not belong. I don't understand why I being dealt this situation when I have done nothing wrong. This account should not be associated under my name and social security number and I'm asking for XXXX remove this account and information from my name and social security number and for Equifax to remove the account from my credit report. This has been a prolonged process that shouldn't have taken place. I have spent countless hours and time trying to remedy the effects of this fraudulent account on my credit report and I just politely ask for a quick and seamless removal of the account from my name and social security number and for Equifax to do the right thing and remove the account from my credit report and send me finalized documentation of the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX  # XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying for over 6 months to make payments to NAVIENT for a student loan. They continually claim that the payments are n't going through. I 've been told it 's the bank 's fault, wrong type of account ( savings or checking ), etc ... During this time they are racking up interest and threatening to ding my credit. The bank I use has assured me they have not even tried to access a payment according to their records -- which means they are scamming me for interest. I have a list of attempts that prove my case from them in writing. My account has over plenty of funds to easily make the payments -- someone needs to shut them down!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not consent or authorize any person or company to benefit from my credit nor report the account on my report Account Name Account 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 2020-01-01
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: Information belongs to someone else

Complaint:
I have disputed several accounts with Experian as being fraudulent and they refuse to investigate and remove these accounts. They are in violation of the FCRA. Experian account # 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 2020-01-01
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:
Continue to show a paid mortgage of 4 years ago. Even after as paid causing adverse action. YOU continue to show my name as XXXX XXXX XXXX XXXX How XXXX are you? Even after multiple attempts to repair you don't give a XXXX or are totally XXXX  and XXXX. You choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: GA
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 have had someone to use my personal information to attempt to open accounts in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: STERLING JEWELERS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2016,120 days late payment from sterling jewelry inc, dba Kay Jewelrys, i have bought a house and move, but i did a change of address to the post office, during that time, i have a XXXX balance at kay jewelrys.i usually get a statement every month, since i move to a new address never received a statement from kay jewelers, they finally called me on the phone and they told me im 120 days late payment, i told them i never received a statement, i told them if i received a statement, it would remind me that i owe, i told them i have a XXXX balance, i always paid them early every month, so i paid them off, its their fault of not sending me a new statement, now they cancelled my kay jewelry card and reported me on 3 credit bureau, they impacted my credit score being hard inquiry, i disputed them so many times, to remove the hard inquiry on 3 credit bureau, they turn me down every time, the people involved should be finance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to be delete in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-01-24
Company: EQUIFAX, INC.
State: IL
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 did not consent or authorize any person or company to benefit from my credit nor report the account on my report Account Name Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: RIA FINANCIAL
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I needed to pay a vendor in XXXX and entered into a contract with Continental Exchange Solutions , Inc. dba Xe to handle the transaction witch required exchanging USD for euros to be deposited in vendors bank.

XE initially approved my account and provided my with the contract ( attached ) and details for transferring the required funds to their bank. After I wired the money XE revoked my contract bc the bank account I was wiring money from did not have my business name on it. 

I remedied the situation by having my bank update my account to include the business name. On the XXXX I provided XE with my bank statement showing my business name on the account.

XE has not acknowledged the receipt of my wire transfer to their bank. Xe also has not processed the documents I sent on the XXXX despite a message I receive when I log in to their site saying documents are usually processed in 1 to 2 days.

I have contacted XE multiple times to resolve the issue. Each time I am told the will look into it and get back to me. I have yet to hear back from XE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt was settled for a pay for delete and I would appreciate a pay for delete goodwill adjustment to completely remove the debt for Ad Astra. 


As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. 

Please forward your agreement to the address listed below. I would appreciate it if we could work together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Alliant Capital Management LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received two different voicemails from this company implying that they will be making a future recommendation to my unresolved business matter with them. Their voicemails sound threatening. First voicemail was XX/XX/2019 @ XXXX XXXX  stating Xxxxx xxxxx this is XXXX XXXX with Alliant Capital Management Im calling in regards to your unresolved business matter in my office you wanted to take care of unfortunately this is my final courtesy call I will be making in reference number of xxxxxx as of today still no statement on file which at this current point leaves me little choice but to make a decision with the information I do have if you would like the opportunity to change the potential outcome you need to contact my office back at XXXX and I will document that you are aware of the situation then on XX/XX/2019 @ XXXX I received another voicemail from XXXX stating xxxxxx xxxxx this is XXXX XXXX with alliant capital management giving your final courtesy call as I will be making a recommendation to your unresolved business matter in our office serving a transaction you previously authorized. If you would like any input on the outcome on this situation a returned call is required. My number is XXXX. Both of these voicemails sound very threatening on the outcome not sure what she means by a recommendation and final outcome each time she calls but it leaves me with an uneasy feeling. This companys scare tactics need to be reviewed and no voicemail needs to be left like this especially when my name is not on the voicemail box. I also never received anything in writing from this company just these voicemails. Also they are spoofing numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PLUSFOUR INC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$94.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of 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 2021-01-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian report # XXXX XX/XX/XXXXreport # XXXX XX/XX/XXXXfile # XXXX I am filing a complaint because Experian, XX/XX/XXXX, and XX/XX/XXXX have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( 11 ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this matter as soon as possible. Thank 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 2020-01-01
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I dont remember the date but this debt fell off my credit report after 7 years not even 6 months later it reappears on one of the 3 reports in XX/XX/2017 never received any calls or notices in the mail. The creditor in question is convergent outsourcing inc . I dont see how it is legal for them to reopen a collections with out contacting the person who had the debt.

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 2020-01-01
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: Information belongs to someone else

Complaint:
I have disputed several accounts with XXXX  as being fraudulent and they refuse to investigate and remove these accounts. They are in violation of the FCRA. XXXX  account # 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 2018-12-03
Company: EQUIFAX, INC.
State: PR
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:
Information reported incorrectly on my credit report. Account : XXXX. 
Please update information as informed by creditor XXXX XXXX to Equifax and XXXX  XXXX XXXX Form XXXX control # XXXX Submitted on XX/XX/2018. 

Equifax SC : XXXX XXXX  SC : XXXX By submitting this XXXX, the creditor certify that have verified the accuracy of the data in compliance with all legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over XXXX  days and you are still reporting these items without permission and that is fraud.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. I have sent numerous letters certified mail to the credit bureaus XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXXXXXX XXXX  XXXX XXXX, never at any other address on my credit report. I have attached a copy of my DL, Bill for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: Nationwide Recovery Systems, Ltd
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my writing instructions.

15 USC 1666B : A creditor may not treat a payment on a Credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
State: WI
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:
My old car was repossessed after I became unemployed. The car was sold and the debt paid off, but the credit report is showing it is still the full balance amount from when I purchased the vehicle, and the account was charged off and still in poor standing. It should reflect as paid and closed since the debt was paid off after the vehicle was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have 3 accounts on my credit file from XXXX XXXX - acct # XXXX they are all listed with the same account number these accounts have been on my credit file for longer than 7 years. XXXX  deleted the accounts as of XX/XX/2018 but they still remain on file under Transunion and XXXX. 

these accounts should be excluded/removed from my credit file based on the 7 year law

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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Following Inquires should not be on my Transunion Credit Report, and were not authorized. 

XXXX Bank XX/XX/XXXX TransUnion, XXXX Bank  XX/XX/XXXX TransUnion, XXXX Bank  XX/XX/XXXX TransUnion, XXXX Bank XX/XX/XXXX TransUnion, XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion, XXXX Bank XX/XX/XXXX TransUnion.

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