BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-12
Company: Wilber and Associates, P.C.
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 is not mine

Complaint:
On XXXX/XXXX/XXXX I was contacted by Wilber and Associates regarding an accident I was in on XXXX/XXXX/XXXX and to call back with the case number XXXX. When I did I was connected to a woman who identified as XXXX who stated that I owed over {$7000.00} to XXXX XXXX as I was found at fault in the accident and I had no insurance. I informed her that this was incorrect, the accident was no fault, and, not only do I have insurance, I have full coverage insurance. At this point she became rude, yelling and refusing to let me talk, and stated that she will file with the state to have my license and registration suspended if I do n't pay. I again told her no, and that I would have my insurance contact them to verify what I had said. She continued to yell and tell me she was a lawyer and that they had already been to court to settle this and I missed the court date. At no time was I sent a summons and had received nothing in writing from this company, so I was unable to sent a letter disputing the validity of this debt as I had no address for them and was unable to find one. I contacted my insurance agency on the same day, and they stated that I had nothing to worry about, they were unable to suspend my license as I had full coverage and was not deemed to be at fault, that they would contact them and clear it up. On XXXX/XXXX/XXXX my insurance company stated that they refused to speak with them when they called. I heard nothing again until XXXX/XXXX/XXXX, at which time I received a letter in the mail stating that they sent a request on XXXX/XXXX/XXXX to XXXX to suspend my license. I called them at the number and they stated that my insurance told them they are not responsible for this money and therefore I am uninsured at the time of the accident. I told them this is not what my insurance had informed me, she said it 's going to go through no matter what I say. I told her that they need to speak with my insurance agency otherwise I will be calling back with a lawyer, at which time she hung up on me. I called my insurance back and they stated again that there is no debt I am obligated to pay in regards to the accident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Citi cards sent me a letter stating they wont reissue me a credit card. The reason on the letter stated Due to bankruptcy or charged off accounts we wont be able to reissue you a new card. and closed my credit card and making my credit score drop about 100 points. Ive never had any bankruptcy accounts or have any charged off accounts. I tried calling citicards several times to explain the issue but I get no help all they due is say we will investigate call back 10-14 days when I do call back citicard has no explanation! Due to them bringing my score down I cant even apply for another credit card or lines of credit. Ive taken care of my credit for over 20 years Ive never had a late payment. Ive never went over my credit limit. Why should I be punished for citicards mistake Before this issue happened my credit score was at XXXX. I called today again citi wanted to pull my credit to see if they can give me a new card. If they pull my credit my score will go down more and will probably get denied. I dont think what there are doing is fare. They really need to investigate this matter.

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 2022-04-15
Company: EQUIFAX, 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:
Account # : XXXX XXXX XXXX XXXX XXXX This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave capital one any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/20 I 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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2016-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was charged with fradulent charges by a company that has a history of fraudulent charges, known as XXXX XXXX XXXX XXXX. There are REPEATED cases of fraudulent charges made in their financial gain of the same financial amounts ( charges made in {$50.00} or {$75.00} increments ) - it is clear that there is company involvement in these fraud cases. 
See more : XXXX5

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020,. {$520.00}, I proceeded to call XXXX to obtain info related to company " TransUnion LLC. '' XXXX  referred me to TransUnion given phone number. I contact TransUnion and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to TransUnion. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the XXXX  and TransUnion both wanted the identity theft report but failed to supply since Covid 19 a email address. XXXX  offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number attached

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 2023-03-26
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been banking with chime for over a year and this was my first time having to file a dispute. I filed a dispute for a total of five transactions : 4 were from a subscription company called XXXX XXXX that I have NEVER signed up for or authorized and another was from a bar I did not visit. I informed chime the charges were not made by me and that I had lost my card. They subsequently filed the dispute and issued me a new debit card. 7 days later I receive a notice that my dispute was denied because no error occurred. I would like to know how chime came to this conclusion and what jurisdiction they have to tell customers unauthorized charges are legitimate. They do not protect their customers or their funds. I also suspect they do not investigate claims at all and simply deny requests and pocket funds. I would like this claim reopened and my money returned to me for these disputed charges or I will be pursuing further legal action again chime as well as closing my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXXEXPERIAN XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian allowed XXXX to report a debt on my credit report that has already been paid and removed three times. This is the third time experian has reinserted previously deleted account. Please permanetly remove account with action professionals 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 2017-10-13
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 had my credit pulled for the very first time in XX/XX/XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX XXXX XXXX and have never had any credit established in my name until just 9 months ago when I got my XXXX 's account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XX/XX/XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; TransUnion 's response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and XXXX 's reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.

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 2020-03-11
Company: Experian Information Solutions 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:
These are not my inquires or accounts listed on 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 explanation
Consumer complaint received 2022-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I have a issue with Bank Of America which is on XXXX and XXXX XXXX XXXX  XXXX, a teller in this branch helped someone else cashed my check under my name but not my signature on XXXX XXXX. I was trying to make solutions with them, but no one can help me exactly. They just said sorry for me and refused to claim the issue. The check amount is {$3800.00}. 

I tried call the fraud claim from their bank, the services told me they can not file the claim, because i don't have account with them, told me to call my bank. I think it is a huge joke, the money was not gone from my bank. There's no way I can solve the issue. 

I have a reciept from the hosipital, and the ID file below. By comparison, it can be found that the signatures are completely different. 

Hope to hear from you soon! 

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 2022-10-10
Company: Experian Information Solutions Inc.
State: NM
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 accrued a debt to XXXX mobile in the amount of {$1000.00}. In XXXX of XXXX I was sold a refurbished phone under the guise of a new phone. Within 3 months the phone 's speaker quit working. Attempts to replace the phone or repair the phone were unsuccessful. I quit paying for the phone as I refuse to pay for a broken phone. 

In XXXX of XXXX the debt was reported for collections and it subsequently appeared on my credit report, which I did not dispute. 

In XXXX of XXXX XXXX AGAIN reported the SAME debt to Convergent Outsourcing. It is illegal to report the SAME debt repeatedly yet XXXX refuses to quit filing the same debt repeatedly.

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 2017-10-13
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hi, have been struggling to repay my NJCLASS loan. I have approximately 96000 to repay and my monthly payment went up to XXXX a month after they gave me the option to do there reage program. I have been in and out of work for the past three years and my student loan almost reached default status until they offered be to do the real program which only raised my student to the XXXX dollars I pay now. I am married with XXXX small children in day care just to work in a field I did not go to school for. And because NJCLASS does not offer income based payment or lower payments. It makes it very difficult for my family to manage our finances. I would like to see this loan forgiven due to me not having work in the field I went to school for, or would like them to offer incomes based payments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: ERC
State: GA
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:
Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed item from your credit report without notifying you in writing within 5 business days. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/22 I submitted letters to XXXX, Experian and XXXX disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.

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 2022-03-21
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/22 I submitted letters to Equifax, XXXX and XXXX disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by an online seller through the app, XXXX. I sent {$160.00} on Monday, XX/XX/2020 to a " XXXX XXXX '' that I'd met off XXXX. I sent the money, and the tickets were never sent. I did a reverse phone search for the phone number attached to the XXXX account because that is definitely a fake name. The real name of the scammer is XXXX XXXX. A simple XXXX search told me that. I've reached out numerous times via text, phone, email, facebook ( Again, all available online. ) I just want my money back but my bank refuses to follow up because of the terms of use from XXXX. I think XXXX needs to reassess their terms of use as their app is used entirely by scammers trying to defraud innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Covid-19 effected me and my XXXX XXXX XXXX mother. We were effected physically and financially. I contacted my mortgage company for a modification, and they offered me the Covid relief plan. They gave me the covid relief plan and gave me twelve months mortgage free. I accepted their offer of no payment for twelve months. I received a call a year later demanding over thirty thousand dollars in back payments. I explained to them they never disclosed that this was a deferment of payments and that a balloon payment would be due on all of the rerage payments. They refused to modify the loan and demanded full payment or foreclosure. They have not responded to my QWR or my debt validation. This is another form of predatory lending. This loan is in both my name and my XXXX XXXX XXXX XXXX mother 's. This is also elderly abuse. The assignments that they've created are robo-sign which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Good Morning, Pursuant to 15 U.S. Code 1691 ( a ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. 
On XXXX XX/XX/2022 I was sent an Adverse Action letter and denied for an AMEX XXXX CARD, this is unlawful and illegal. I demand immediate approval of my application for the American express platinum card.

Company response to consumer: Closed with explanation