BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Equifax is posting a Collection to my account for {$88.00} dollars but they are not posting who is submitting this collection, they are not submitting the address or phone number. It is literally blank and they keep verifying this Ghost debt in which I dont know is reporting to my credit report to contact them to identify this ghost debt. Addittionally its a violation of the FCRA to report a collection with all of that information for the consumer to be able to not only contact the bureau but this mystery company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing in accordiance with the fair XXXX XXXX credit reporting act XXXX  Account # has violated my rights 15.U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent/instructions XXXX XXXX showing 1. ) Fed Loan in the red?? paid wrong information!! please take off 2. ) XXXX XXXX on XXXX XXXX and XXXX please take off 3 ) XXXX XXXX XXXX- Old address please take off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Submitted this back in XX/XX/2021 to this site was emailed it was taken care of. And it was removed. It seems to have reoccurred same amount tried written to the address no response back and # on credit report XXXX XXXX XXXX no good

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is my 9th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the ; disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) ther are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report XXXX balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to ; either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXXBalance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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: Their investigation did not fix an error on your report

Complaint:
This is my 9th CFPB complaint submitted to request that the Credit Reporting Agencies update and correct the ; disputed erroneous accounts and information being reported on my Credit File. The disputed erroneous accounts reports either of the following : 1 ) accounts reporting as late even though I have never missed a single payment, I need the Credit Bureaus to update the payment history of the accounts reporting as late ; 2 ) ther are closed accounts reporting as late! How can you accrue late payments on an account that has already been closed? Its either the Credit Bureaus update the disputed accounts to positive or completely remove these accounts ; 3 ) there are charge off accounts that are still indicating balance or has been reported but is already out of statute. Charge off accounts should report XXXX balance, I am requesting that the Credit Bureaus remove these erroneous charge off accounts ; and 4 ) there are accounts that has already been deleted or removed from the other bureaus but are still reported from the other Bureaus. If the Credit Reporting agencies verified the disputed accounts with the Data Furnisher, how come that some accounts are removed from the other and are still reported on some Bureaus? Under the Fair Credit Reporting Act, I am requesting the Credit Bureaus to ; either correct the disputed account and or remove the accounts completely from my Credit Report. Once again, please investigate the following accounts : XXXX  XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXXBalance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016

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 2022-09-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Saturday, XX/XX/XXXX at XXXX I received a text msg : '' ChaseXXXX ( R XXXX : Did you schedule a XXXX transfer to XXXX XXXX for {$1500.00} Reply Yes or No. XXXX  XXXX XXXX out reply STOP. '' I replied no to the text. I immediately received a phone call from XXXX ( the number on the back of my Chase Debit Card ). The man claimed to be from Chase and was calling about suspicious charges made from my account. He then asked if I made various charges which I had not made. He explained that the withdrawals had been made through XXXX, and that in order to get it refunded I would have to log on to XXXX. He then said his supervisor was on the line and they need to verify that they were talking to me so in order to get reimbursed I would have to send {$1400.00} dollars through XXXX. So because I believed this man was an employee of Chase I authorized the money to be sent under false pretenses, I sent {$1400.00} to XXXX. He then asked me if I had an account with XXXX XXXX  and stated that there had been fraudulent activity in that account as well. He then had me send money in the amount of {$200.00} and {$30000.00}. He then told me it would take 30 minutes before the money would be returned to my account. He called me 30 minutes later and said that it would actually take 24-48 hours and not to call customer service because this would interfere with the process. Then I became suspicious and asked him how I knew he was from Chase. He said that he had called me from XXXX the first time he called. I verified this on my phone. Later that day I realized I had been part of a scam and called Chase Customer service. They said that the fraud department was closed until XX/XX/XXXX due to the XXXX. I filed a fraud complaint at Chase and XXXX XXXX  on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-16
Company: EQUIFAX, INC.
State: MN
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:
Since my identity been compromised I found many unauthorized inquiries reporting on my report, the following inquiries are 1. XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 2. XXXX XXXX  ( XX/XX/XXXX ) 3. XXXX ( XX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX) 5. XXXX   ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX) And I would like these inquiries removed immediately, or provide me with physical documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to a letter I received from Equifax, they were unable to locate a XXXX XXXX for me. The stated reasons were : You have not applied for credit recently. You have not actively used credit in the past 10 years, or You have not lived in the United States or have not been issued a XXXX Social Security XXXX. 

This is the second time they have been unable to locate a Credit profile for me despite identifying information being sent through this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
HYUNDAI CAPITAL AMERICA is reporting a Chargeoff on my report however this is incorrect additionally I have never received information about this balance. The car was returned directly to them and I was told I was fine and didnt owe anything when I returned the lease.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: VA
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, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXXXXXX XXXXBalance : {$3600.00} XXXXXXXX XXXXBalance : {$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 explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: VA
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, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX XXXXBalance : {$3600.00} XXXX XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was contacted via phone by someone claiming to be from my baking institution : Citibank the Friday of XXXX XXXX  weekend. It was a call in response to a text I received ( presumably ) from citi saying my XXXX card was compromised and I would be getting a call to secure my account. While speaking with this gentleman I provided no information as I thought he was in fact a citi customer service rep. The hold music was the same. His script was theirs and he was listing transactions that I had made. He ordered me a debit card which was delivered the next day at XXXX. He then put me on hold. While I was holding I noticed funds were transferred from my savings to my checking and a wire transfer was authorized. As I was in the middle of an oil change I assumed we lost connection so I called citibank back. I told them money was wired from my account without permission. They told me I authorized it however they couldn't tell me how it was authorized. I was on the phone with them when it was authorized. So the woman I was speaking to immediate transferred me to the wire fraud department. While on hold the original citbank gentleman who I now knew was a scammer applied for a loan ordered me a new debit card and moved money and wired money to a person I don't know. When speaking with a teller at the XXXX NY location I showed her the emails and texts the original call instigated and she confirmed that they were real citibank correspondence. When I tried to tell them this on the phone they blamed me for authorizing transactions I in fact did not. The loan is now on my credit score. Citibank told me no other accounts were opened in my name but I kept receiving emails from them saying I had for 72 hours after the scam. I tried so hard and quickly to resolve the issue and between wait times and citi employees not believing what I was telling them the scammer had access to my account and compromised it within the 2 hours it took citibank to close and block the account. The tell I referred to before called her supervisors and other higher ups and they didn't belive what she was saying about my case. I was told the money was gone and my account was frozen but that I can open a new one.

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 2019-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Since my identity been compromised I found many unauthorized inquiries reporting on my report, the following inquiries are 1. XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX  ( XX/XX/XXXX ) 4. XXXX  ( XX/XX/XXXX ) 5. XXXX  ( XX/XX/XXXX ) 6. XXXX  ( XX/XX/XXXX ) And I would like these inquiries removed immediately, or provide me with physical documentation.

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 2023-12-14
Company: P&B Capital Group, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent letter to this company about validation that i owe them In the letter that was sent to me it stated that they got the validation from a company called XXXX XXXX XXXX. The validation letter states XXXX XXXX. 

They also stated that XXXX XXXX was the original creditor. But P $ B IS WHO is on my report When

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
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:
This is A brand new complaint in addition to complaint XXXX with EQUIFAX. The information that is reported on my credit report is Fraudulent!!! I have been requesting A complete copy of the document that the Company XXXX XXXX said I signed and has placed on my Credit Reports for over A year and was bullied into paying the account because I want to be A Home Owner. I Have Consistently Disputed this with all three Credit Bureaus because I knew it was Fraud. I had enough of the inconsistently reporting of the account which includes the amounts, the dates and times of payments, The date on the Loan Document isnt even the same as the one XXXX XXXX put on the Cover Letter they sent and not to mention I had not tried to get any credit from any company because I was working toward purchasing my very own home for my family at the time. 
I filed my complaint with the Consumer Financial Protection Bureau only after emailing XXXX XXXX to send me A complete copy of the Loan document that I signed and requested the Credit Bureau, EQUIFAX to provide me with it as well. I did that on XX/XX/2021. In the email to XXXX XXXX I also gave them until XXXX XXXX to email and USPS mark the information to me. Today I will be providing you with A Copy of my Illinois Drivers License ( Its not updated because of Covid-19 but it is valid ) and A copy of my Social Security Cards ( I have two in my possession ) one from my early twenties and one in which I obtain five years ago because I thought I lost the other one all in which contains my Legal Signature. Most importantly I am sending A copy of the Documents that XXXX XXXX mailed to me that are post marked on the envelop XXXX XXXX only a day after I filed my complaint with your office. The Loan Document that XXXX XXXX mailed to me is Fraud!!! On this document I can honestly tell you THIS IS NOT MY SIGNATURE!!! And I can honestly tell you my mother XXXX XXXX use to whip my behind because I was NEVER ABLE TO WRITE A CURSIVE XXXX to spell my name to save my life. Not to mention the rest of the signature is a Complete Joke. Starting from the top, that is the neatest handwriting with the Wrong Address. I live in XXXX XXXX Illinois not XXXX!!! This account has been Verified??? By whom??? At the Three Major Credit Bureaus??? I am Absolutely Mortified right now. These Credit Bureaus hold my very life in their hands and wont check for Accuracy??? How many people have they allowed this to happen too??? This is complete proof that my credit file has been Breached By EQUIFAX PERIOD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: MI
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 sent letters to Equifax was on XX/XX/XXXX, XXXX and l Haven't received any response from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. These are the Summary of the Negative accounts reporting on my Credit Report XXXX XXXXL XXXX Balance {$73000.00} XXXX XXXXL XXXX Balance {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX : {$3600.00} XXXX XXXX : {$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 2022-09-19
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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