BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently obtained a copy of my credit report and saw that you are reporting inaccurate and incorrect information in the personal information section of my credit report. To diminish any speculation my information is as follows : Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them Address : XXXX XXXX XXXX XXXX, PA XXXX Please be sure that my address is listed correctly. 

Employer : XXXX XXXX XXXX XXXX ss # : 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 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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 2023-06-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i reached out to the CRAs about reporting inaccurate and incomplete items on my credit report and i am asking for your help in deleting the inaccurate and incomplete items deleted. per 15 usc 1681 all information has to be 100 % accurate and complete, if not has to be deleted.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: MI
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 have contacted Experian, 6 times, requesting that they stop violating my rights. I am a victim of identity fraud. they referred me to some website to complete the paperwork and I did, I sent it to Experian, XXXX and XXXX. XXXX and XXXX have obliged but Experian refuses. These credit inquiries are fraudulent.

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 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I don't have time to waste anymore! its been past 60 days that I've been waiting for the credit bureaus to remove the fraudulent and unauthorized accounts I submitted in a dispute on XX/XX/XXXX that never received a response. Also, submitted another dispute XX/XX/XXXX that hasn't received a response to as well. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft, i brought this to the attention of the credit bureaus more than once but it seem I'm being ignored. they have caused me tremendous hardship due to the fact their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the XXXX XXXX XXXX and the office of attorney general of Ga this week!!!. Ive been affect by the XXXX XXXX, and XXXX XXXX XXXX data breach. i explained this before I had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these account. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit 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 2018-10-27
Company: EQUIFAX, 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They show on my credit report that my account was closed on XX/XX/2018 and was included in a chapter XXXX bankruptcy. But, they have the account type listed as " Open Account ''. That is inaccurate. It has resulted in points coming off my credit score that should not have. I have disputed it unsuccessfully with both XXXX and Equifax. They have been emailed by my attorney. At this point what they are doing is deliberate and malicious. I want the account type to be corrected and show that it is closed or for the account to be deleted from my report. Can they not be fined for deliberate malicious harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: VA
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received a notification in the mail that the interest on my account was going to increase. I did not want to accept the new interest rate and wanted to speak with a customer service representative to pay off my credit card and have my account closed, however when I went to the back of the card to dial the number provided for Customer Service, the number is no longer available, and it gives the customer directions to look at their statements to get that phone number. Well turns out that the customer service phone number in my account statement is the same on my card XXXX, and I have not been able to speak with a customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan and Security Agreements and Disclosure Statement signed on XX/XX/XXXX between XXXX XXXX XXXX and SCHOOLSFIRST FEDERAL CREDIT UNION has had a billing error on my account since the opening of it. ( 12 C.F.R 1026.13 ( b ) ). As stated under the TRUTH IN LENDING DISCLOSURE : Amount Financed The amount of credit Provided to You or on Your Behalf. 
{$26000.00} Evidencing a consumer credit transaction as my social security card number was ran in which is where the amount of credit of {$26000.00} was provided on my behalf for the payment in full on credit. Further proof is under section 13 of the SECURITY AGREEMENT that states : NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLIAMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALLE NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In accordance with 16 C.F.R. 433.2 as the notice above is only used with any connection with any sale or lease of goods or services to consumers. As well as under 14 it states : You promise to use Your account for consumer ( personal, family, or household ) purposes, unless the Credit Union gives You permission to use the account for agricultural or commercial purposes, including, but not limited to, use of the Property in partnership with a transportation network company, or to purchase real estate. In which the Credit Union and I both agreed this use of property was only for consumer purposes only.

Under ITEMIZATION OF THE AMOUNT FINANCED it clearly states : Itemization of Amount Financed of {$26000.00} Amount Given to You Directly {$26000.00} Making it clear the amount I promised to pay the car of {$26000.00} was fulfilled when signing and transferring the Loan and Security Agreements and Disclosure Statement back to SCHOOLSFIRST FEDERAL CREDIT UNION for my property, XXXX XXXX XXXX with I.D . Number : XXXX. In which should of never lead to me paying FISTSCHOOLS FEDERAL UNION monthly as my property was paid for on credit and no cash transactions can/should be taking place when a consumer credit transaction took place in the first place. Attached is the letter sent in which got delivered XXXX at XXXX in which has not got any response back from!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: IL
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:
PREVIOUS COMPLAINT NUMBER -XXXX On XX/XX/XXXX I notified XXXX , XXXX  , and Experian via Affidavit that multiple accounts on my report are fraudulent. I then contacted each reporting agency via phone on XX/XX/XXXX to follow up on the status of the investigation. XXXX nor XXXX provide me any verification of the investigation that was conducted. But all accounts still remain on the report. I placed a call on XX/XX/XXXX to XXXX  in which I recorded a new dispute in which no validation or verification was provided for. I allowed them thirty days to respond with that validation as well as to the alleged creditors. On XX/XX/XXXX I filed a UCC -11 debtor form in the State of Illinois in which it reflected that no claims/liens filed on my name in which those alleged account were in reference to. On XX/XX/XXXX All Credit Reporting Agencies were notified via Affidavit and Ucc11 certified debtors search to reflect the exact information being displayed from the certified search which is NOTHING ON FILE. I HAVE ALLOWED OVER 90 DAYS FOR THIS MATTER TO BE RESOLVES AND ITEMS TO BE REMOVED FROM THE REPORT. AS OF XX/XX/XXXX THOSE ITEMS ARE STILL LISTED ON THE REPORT, DAMAGING MY ABILITY TO OBTAIN CREDIT.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized account that have negatively impacted my creditworthiness. I strongly believe that this account is the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized This account in any way. This account has been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. The following are the specific account in question : SMALL BUSINESS ADMIN XXXX Balance : {$100000.00}. Please remove this account immediately.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: AR
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 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 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 2023-09-21
Company: Experian Information Solutions Inc.
State: NE
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: Was not notified of investigation status or results

Complaint:
Kindly update my account and remove the late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

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 2023-06-01
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/ I received an alert in regard to my credit report stating that there was a new collections added to my report by Amsher Collection Services. However, Amsher has failed to notify me of this alleged debt with information that refers to this debt that they are trying to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, my taxes were recently withheld this year for my student loans and they are still showing a high balance. XXXX XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX date of first deliquency XX/XX/XXXX. Still showing a balance of XXXX which should now be taken care of. Along with XXXX XXXX XXXX XXXX loan balance of XXXX. Opened on XX/XX/XXXX first deliquency of XX/XX/XXXX. Both education loans, both taken out of XX/XX/XXXX's taxes that I filed with my husband.

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 2020-06-10
Company: Experian Information Solutions Inc.
State: CA
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:
Here is the name of the company that says I had a credit card with them. 

Phone : XXXX FAX : XXXX Correspondence address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I have disputed this credit report entry twice and have got nothing more than the credit agency telling me that the entry stays due to the company verifying the account was accurate. That is total horse XXXX, as I never opened this account or made any charges on it. When I requested proof that I opened this account I got no response.

The 3 credit reporting agencies are all guilty of violating the law and this company is too. I will proceed to a lawsuit if this is not taken care of by this last effort.

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 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
After being late on a minimum payment, my interest rate was increased from 15.99 % to 29.4 %. During this pandemic, how can a large business like Capital One be charging a struggling small business 30 % interest. Especially while interest rates are at an all time low. The spread they are charging must be usury. Even worse, I have to make 12 consecutive on time payments before the rate can be adjusted. So I have to pay almost 30 % for year! When I called they said it was part of my terms of service agreement. My comment was that was signed when a pandemic wasn't going on. They would do nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: CA
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:
My mortgage are showing late payments which is not correct and this is causing me problems trying to Refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My friend sent me {$250.00} payment via XXXX transfer from his XXXX  XXXX XXXX account to my Ally Bank checking account on XX/XX/2021. This {$250.00} XXXX transfer was successful and the money should arrive in my Ally Bank account instantly. However, it didn't happen. Instead, Ally Bank is holding my money and doing a compliance review on this incoming transfer. Such reviews never happened in my incoming XXXX transfers before. It is not stated in Ally Bank website regarding XXXX transfer policy either. 

I request Ally Bank to immediately release this {$250.00} to my Ally Checking Account without any further delay. This {$250.00} money must be release to my Ally account IMMEDIATELY.

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 2022-12-12
Company: BARCLAYS BANK DELAWARE
State: FL
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 have a XXXX XXXX XXXX from Barclays. I applied to my bank XXXX XXXX XXXX for a loan to bring down my balance on my credit card. XXXX issued a check on XX/XX/2022 for {$7500.00} and sent it with my statement. I have a copy of the check and statement. I noticed that the XXXX check has nothing on the check that it was for my behalf. I have been writing to the XXXX XXXX XXXX about my concerns. She stated that the check was cleared on XX/XX/2022 at XXXX. Several calls by me to the credit card, and they tell me that they don't see the payment. On Barclay 's end I spoke to a representative and a case # is XXXX. I am very concerned because no one seems to care.

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply onXX/XX/XXXXand I've yet to get any feedback on my investigation.

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 2023-09-08
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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 XX/XX/2022 XXXX XX/XX/2022 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

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