BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is misreporting my auto loan status as a Charge-off from XXXX to the three credit bureaus in error. 

When my vehicle was totaled in XXXX the XXXX GAP insurance on the auto loan should have paid the remaining balance, as promised. XXXX XXXX XXXX XXXX sent me a confirmation in XXXX that my GAP insurance ( see attachment ) coverage would pay the remaining balance and that I just needed to complete their 3 steps to activate my GAP which I completed right away.

Three years later in XXXX of XXXX when I was refinancing my mortgage, and my lender pulled my credit reports I discovered my old auto loan was reporting as an unpaid charge-off account. I only then realized that my GAP insurance didn't pay out. 

To quickly rectify the situation and get my refinance done, I paid the account off immediately then I contacted my GAP insurance and they issued me a check to re-imburse me a few months later ( see attached ). What they failed to do though, is correct my credit report to remove the negative marks which were dropping my credit scores 60-80 points. The account should have been updated to report correctly on my credit reports as a CLOSED account that was never past due and definitely not charged off since my GAP insurance was through my auto lender it was their error that GAP didn't pay out timely, not mine. 

I am currently in the process of refinancing my house again, and when my credit was pulled, I noticed the account is now being reported as a PAID charge-off with a date of last activity in XX/XX/XXXX. Again, the account should have never reported as delinquent as it was a clerical error with GAP insurance that was out of my control. Yes, the financial part of the issue was fixed however the credit issue has not been.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
When I assessed my credit report via Identity IQ on XX/XX/22, it was noted that according to XXXX, XXXX, and TransUnion, the United States Bankruptcy XXXX XXXX XXXX XXXX Virginia reported bankruptcy. 

I mailed a letter to the Bankruptcy XXXX to validate the account. It was verified by the Bankruptcy XXXX in a document dated XX/XX/22 that " The Bankruptcy XXXX does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with XXXX on XX/XX/XXXX who refused to give me his ID number. He was advised that i refused to pay an alleged debt. He told me the debt is mine because he can see the balance owed/due and the last time it was paid. I advised that i am disputing the alleged. The company updated the status on their website to say this is not an attempt to collect a debt however on XX/XX/XXXX they removed {$390.00} from my checking account without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
When I assessed my credit report via XXXX XXXX on XX/XX/22, it was noted that according to XXXX, XXXX, and TransUnion, the United States Bankruptcy Court XXXX XXXX XXXX XXXX reported bankruptcy. I mailed a letter to the Bankruptcy Court to validate the account. It was verified by the Bankruptcy Court in a document dated XX/XX/22 that " The Bankruptcy Court does not furnish any information to the credit bureaus, as we do not have any jurisdiction over credit reports. Each credit reporting agency conducts their own research and report their findings. If there are any discrepancies showing on your report, you will need to contact that credit reporting agency and discuss the matter with them, as it will be up to that agency to update their records and to remove any information, if need be, from your report ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
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: Account status incorrect

Complaint:
Company violated covid 19agreement set fourth on XX/XX/2020 advised provide call log and they would rectify since completed 7 times no correction

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 notice when I was looking at my hard inquiries and soft inquiries when I did apply for a XXXX XXXX card they pulled my credit 3 or four times on the same day. That is something that should be flagged why would a credit bureaus allow that. Let a company pull someones credit report the same time in even two consecutive days. One had the last three digits changed to LLC. Something does not look correct. I know I had a XXXX XXXX credit card on my XXXX XXXX credit card before I closed the account I sent a new one and the phone number was not correct on the back. So I closed the account. I do not trust this bank ever again. I had to get the correct phone number from my mother to call while back. I am not understanding why they would pull my credit report many times. I would like this to be investigated with XXXX first before the bank I dont even know what is the correct bank to send it to I will send the attachment were inquiring were inquiries then you guys can decide what is the correct place to send it to.

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 2021-04-02
Company: Lending Club Corp
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX located in XXXX XXXX XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: NJ
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:
I found out because the Dept. of Education declined my request for a parent plus loan for my daughter who is going to her 4 year in college. I had some problems with mortgage payments due to XXXX  and XXXX XXXX but I have been making payments consistently for over 15 months. XXXX XXXX XXXX and I came to a Forbearance agreement but I started making payments earlier then I expected. We then agreed on a Mitigation that required me to continue to make consistent payments and I have done that. 
Now for the first time, they are reporting me as delinquent and therefor affecting the parent plus loan with the Department of Education. 
I have called XXXX numerous times because Student Loans have asked for confirmation that my payments have been consistent, They have promised to send the information numerous times but they never do. I need my daughter to complete school because if she misses 1 semester, I fear that they would not go back or take a long time to go back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9500.00} 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 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 Balance : {$2500.00} ; 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was scammed due to a merchants deceptive sales practice. I purchased a skin care device that did not function as promised in XXXX, XXXX. I was told that this device would produce visible results in 2 months. I used device daily for 2 months and it did not do anything. I called the merchant to report this and he told me to bring machine back and he would help me. He insisted that I bring this back on a Sunday around XX/XX/XXXX which I did. When I got there he told me he would not take machine back because I had opened it. I replied with question How would I know it did not work if I hadn't opened it. My witness that was with me also reminded him that he said I would have major results in 2 months. He then said It takes 6 months to work. My witness then asked him why he was being dishonest. He became angry left the room slamming the door and returned with a large threatening looking man who didn't speak but appeared menacing by hovering over us in this small room and rocking back and forth. I felt threatened so we left the merchandise and hurried out of there. I have sent Capital One multiple documents outlining this and they kept telling me to send more information which I have spent exhaustive time doing so. I have also attempted multiple times to contact management of this business with no response. The purchase was expensive XXXX. Capital One is reported that they will not help me multiple times. I will not pay for something that did not function and that I do not have any longer. I am hoping that I can get assistance. In addition I have sent Capital One multiple reviews/complaints about this company and all complaints filed reported that they were able to successfully resolve this with credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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, 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 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 2022-04-17
Company: Genesis FS Card Services, Inc.
State: MO
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:
I looked at my credit report and someone opened a card in my name! I disputed it with XXXX. Very upset! It's called Destiny credit card FS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my work bonus check on my chase account thru the online app portal to serve me some time goin to cash the check or even driving, deposit was made on XX/XX/XXXX for the amount of {$800.00} from the company i work for a hold was place till XX/XX/XXXX which the check cleared into the account. On XX/XX/XXXX i walked into the branch provided all information needed from paystubs to my direct deposit which i received them on my ( XXXX  temporary ). I provided all emails, text, calls, my information and position in the company. When calling on XX/XX/XXXX to customer service they said the needed to call the maker of the check to verify, i stated to go on website get all the information they need to verify the check even i provided a number i mean there system of verification is the worst. After more than 20 calls on different departments, different agents i get multiples answers, i even get direct deposit from another income and not even that i am able to use or withdraw. Chase has frozen my funds that i work for very hard. This is unfair for them to hold my direct deposits funds. I understand a hold on the check but not my funds. Even after it cleared and made available and provided additional information they still have my account restricted after 13 days and counting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This so called debt is a total lie being handed off from one to another for more than 7 years now... I am tired of this lie and deny ever owning said debt or any attachment what so ever.. I demand this lie to be removed and erased from my personal life and anything attached to my name.. I DENY ALL AND EVERY CONNECTION TO THIS ACCOUNT IN THE AMOUNT OF {$300.00} ... XXXX.!! THIS IS CRAZZZYYY... ALL LIES AND ATTEMPTS ARE SOLEY FOR THESE COMPANIES TO BE SHARKS... REMOVE THIS CREATURE FROM MY LIFE PLEASE... AND STOP YOUR LIES...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: GA
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 submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! XXXX  is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .EQUIFAX also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, XXXX   is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Square merchant services XX/XX/2020 $ XXXX- They closed my merchant account for no reason. This is the 3rd time this happened with them. My transactions are legitimate. My customer even called her credit card company to be sure I would be paid. Square requested more verification from me, and I provided everything. They still closed my account and holding my funds with no customer service to speak with. This is the BIGGEST scam company on the world!!! I really think they saw my ID and saw Im a XXXX man with dreadlocks and keep closing my account without reason. They dont provide not one reason at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Went into Car Dealership They Told Me They Would Only run my Credit Once, I obtained A Copy Of MY Credit report and it was ran several times without my written instructions. Heres a List Of The Hard Inquires XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer Service

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