BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2020, a debt collection company named Security Credit Services notified me saying that I owe them {$2900.00}. When I tried to ask for information about this account, they were unwilling to give me information about it ; besides the fact that they have a signature that's supposedly from me & that they purchased the debt from XXXX XXXX. Numerous amount of times, I've disputed the account stating that they must have the wrong person because I am unaware of ever even applying for anything with XXXX. This account has been disputed 6 times, & still they are unwilling to remove this account from my report. I then took matters into my own hands & got help from a credit repair XXXX, & still nothing was resolved. This account is negatively impacting not only my credit score but also my credit report & it sucks because the debt they're trying to collect isn't even mine. I am in the process of looking for a new home, & knowing that this account is impacting me negatively is very discouraging. It makes it 10x harder to even consider getting a home when dealing with debt collectors who are like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: OH
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 disputed creditor us bank a couple of times with experian. Experian reporting that this account was past due for the month of XX/XX/2019. I was never past due. I recently sent a request asking for method of verification so I can further investigate. Experian refused to send the method of verification. This is a violation of the credit fair act. Under the law Im am entitled to the method of verification.

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 2022-03-13
Company: Amos & Muffoletto, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recieved a call in the past from this collector in the past. I have informed them that they have the wrong person and that I have never been to the facility listed in the letter. The debtors name is incorrect and it seems they are just trying to collect from anyone at this point. The file number is XXXX and the companys name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: JPMORGAN CHASE & CO.
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:
While checking my personal credit report with all  XXXX  credit bureaus in  XXXX   XXXX , I noticed several inquiries made by numerous of organizations on  XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed  XXXX . Only to get back a generic response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I closed the account but capital one had told XXXX is that the account was closed by creditor. However, all the other credit bureaus show accurate information that I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently looked over my credit report and noticed unauthorized inquires on my report from XXXX XXXX  on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I submitted my Identity Theft Report along with this complaint.

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 2022-09-08
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted XXXX on numerous occasions asking that the collection for XXXX for the amount of {$2100.00} be removed due to the fact that XXXX XXXX and XXXX no longer state I owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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:
This item was removed by all credit companies and is now showing back up on my credit report. Please remove this item. Its not mines Documents have been submitted over 10 times. This item was removed and they passed it to a different debit collector. The item was removed for fraud. So they cant do that.. PLEASE UPDATE MY PERSONAL INFO AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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:
Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

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

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 2022-03-13
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I initiated a balance transfer for the sum of {$1200.00} from my AppleCard to a XXXX card on XX/XX/22. The balance transfer was completed and posted to my XXXX account on XX/XX/22. As it seemed like the transfer was taking a bit longer than usual for the payment to be posted to my apple card, I did some research and discovered that Goldman Sachs ( the bank that handles the apple card ) does not accept non-conforming payments, which I came to understand was what my XXXX balance transfer check qualified as. In order to remedy this, I requested the balance transfer be canceled with XXXX. However, they informed me that canceling the transfer was not possible as Goldman Sachs already cashed the check. As of XX/XX/22, Goldman Sachs denies that they received a payment from XXXX. I have reached out to Goldman Sachs multiple times requesting that someone please look into this issue, but no one has helped. I have confirmed with XXXX verbally, electronically, and through the mail that Goldman Sachs has, in fact, cashed the check. XXXX has provided me with a copy of the check and a letter stating that the check has been cashed. I have reached out to Goldman Sachs multiple times, and they repeatedly deny that they have received a check to be applied to my Apple Card balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-19
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Out of the blue one afternoon I was working and i received a call from a Number asking if i was XXXX XXXX XXXX and they spelled my name wrong i spell my XXXX with a XXXX not a XXXX and they gave me my social security number and I told them that was not me, and confirming my address and I said to stop calling that they have wrong person.. They kept calling early mornings and late night when Iam at work and I kept saying they had wrong number and they said are you sure youre not XXXX XXXX XXXX and said that my credit score was going to deflate and to make sure i check it XXXX it .... Very horrible calls and Iam scared to even pick up numbers i dont know..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In early XX/XX/2019 I needed to make a major purchase, which I wanted to do with a balance transfer card. I called into American Express for help on opening this account, and expressly mentioned that I was attempting to transfer a balance between one American Express card and another. The representative I spoke to on the phone confirmed that this was possible, and helped me through the process of both approving my credit application for the new balance transfer account, as well as a credit increase on my existing account. 

Two weeks later, after I made my purchase on an American Express card, I was told by a different representative that I would not be able to transfer the balance between one Amex account and another. I told this new representative that I had been misled the first time around, at which point they directed me to a supervisor. This supervisor told me that a dispute had been opened on my behalf. 

Now in XX/XX/2019 I realize that my credit is being negatively impacted by the presence of an empty balance transfer account. I reached out to check on the progress of my dispute, and find that there is no record of a dispute on either of my American Express accounts. In fact, many of the documents associated with my account are completely unavailable online ( including the original cardholder agreement paperwork and any monthly statements more than 4 months old ). 

Upon realizing this, I reached out to Amex to close my account and try to open a dispute. After being promoted to a supervisor, I was able to get the supervisor to volunteer that I was given false information about my credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Aidvantage just took over in XXXX the XXXX Student Loan I have for my daughter 's college from the previous loan processor that was assigned by the government ( XXXX ). It's in deferment because she has not yet graduated. They've had my loan for 2 months - XXXX and XXXX. I've been making payments of {$500.00} every two weeks since they got my loan, EVEN THOUGH I AM NOT REQUIRED TO PAY ANYTHING because the loan is in deferment AND there is currently no interest being charged to it. My first payment was XXXX XXXX, next was XXXX XXXX, and again on XX/XX/XXXX. When I logged into my account on XX/XX/11, there was a past due charge of {$5.00} on my account, with no explanation. I've not received any notices from them about a past due fee. Then when I searched through the information on my account ( which was no small feat ) I found a {$1.00} per month service charge was being applied to my account. I was not informed about this fee, and furthermore, they've only had my loan for 2 months, so how are they charging me for 5 months?! They have not responded to my emails about this. In addition, my account number is nowhere to be found on this website and if I didn't have the ONE letter they have sent me since taking over my loan, I would have no idea what my loan number is. That letter also does not say that I will be charged a monthly fee now that they have taken over my loan. I do have the letter from XXXX that says " nothing about my loan will change. '' I take that to mean there should be no monthly fee attached to it. The single letter I've gotten from Aidvantage also affirms that the " terms of my loans will stay the same. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is reporting acollection from   XXXX   #  XXXX , shows the original creditor as  XXXX   XXXX   . I  have not has  XXXX   XXXX  in ove r 10  yrs

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 2022-09-08
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: Account information incorrect

Complaint:
Accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

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

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I would like to state that Transunion is in violation of 15 - USC - 1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordnce with the written instruction of the consumer. 
I the consumer never gave Transunion any written consent to report anything on my consumer report. I demand that you remove these inaccuracies off my consumer report. 
They are hurting my consumer report. Keeping me from extending my credit. If they are not removed i will not extend my credit to anyone or allow Transunion to furnish a report for me. 
Pursuit to 15 - USC - 1681 ( A ) 1 states that the banking system dependent upon fair and accurate consumer reports

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 2020-04-22
Company: EQUIFAX, INC.
State: WI
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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, has violated my rights. 

15USC 1681 Section 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 written 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 any purpose.

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 2022-03-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
around XX/XX/XXXX jpmorgan chase shut down all my credit cards without warning and explanation. i never broke any of their terms and conditions. this caused my XXXX XXXX to drop due to the fact that most of my credit line was by them now its very difficult to get approved by other banks. i reached out to them and they left me a message saying something about " unexpected activety so we made a bank decision to end our relationship ''. i tried calling to get a clear explanation but they are not calling me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is still inaccurately reporting bad data, and its been confirmed with the entity/credit card Co. that they do not show any missed payments. Still, Experian continues to show them as late causing major financial issues. This credit card company continues to say it is an Experian issue and not theirs.

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 2022-09-08
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:
Accordance with the Fair Credit Reporting act 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 2021-05-11
Company: Avantus, LLC
State: CT
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:
I have filed a dispute in regard 's to incorrect information on my XXXX  and XXXX  consumer credit reports. It has been well over 30 days and I have not received any investigation results. The dispute was filed on XX/XX/2021 with both XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a eye procedure done at XXXX XXXX XXXX, i was told {$5000.00} covers every thing including follow up visits to see how the eys are healing however the Doc office charged me {$180.00} for each follow up visit which was agreed that the procedure include all and later they sent to debit collection agency.

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