BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: KS
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:
the following inquiries on my credit report were not made by me. They should not appear on my report. The Bureau refuses to remove them.

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 2023-10-10
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below is the account with erroneous information : XXXX XXXX XXXX XXXX Balance : {$7400.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my 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 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive been contacting the credit bureaus to have ALL unknown accounts, inquiries, jobs and address removed from my account, as the such items I have no knowledge of. As Ive been trying to resolve this matter for 2 1/2 years now, nothing has been done. This is stopping me from owning a home, I am a XXXX XXXX and its defamation of character along with my credit profile.

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 2023-05-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NY
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 My federal protected consumer rights has been violated under section code 15 usc 1681 I would like all inquiries checked and removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am fully insured. Yet, a medical facility, XXXX XXXX in XXXX XXXX Fl. incorrectly filed my insurance claim 3 times. The XXXX said they did not get authorization, XXXX XXXX XXXX XXXX XXXX denial letter claimed XXXX was not covered due to an old injury. I thought preexisting conditions were not an issue these days. This leaves me with the debt of {$16000.00}. Transworld Systems , Inc XXXX XXXX XXXX bought the debt and have tacked on {$530.00} in INTEREST for a XXXX week period. I should not even owe this debt. XXXX XXXX had incorrectly filed my medical insurance claim for my procedure 3 times. 
XXXX complaint is against Transworld Systems for charging an exorbitant interest rate. Another complaint is against XXXX XXXX XXXX XXXX for denying a valid claim. 
Last complaint against XXXX XXXX XXXX of XXXX XXXX for negligence in theri billing process and lack of good faith adjustment given this was mostly their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am requesting that American Express increase my limit back to XXXX. I have been a client of Amex for 5 years with XXXX personal credit cards, and one business card. A few months ago, Amex decreased my credit limit to XXXX. It is important to note that I was never late on any of my Amex accounts, and I never held a huge balance even though this card was XXXX. I was informed that Amex performed a soft pull and made a decision based on balances on other cards that have since been paid down, and a late payment reporting on an auto loan which is inaccurate, and I am in the process of filing a lawsuit against the credit bureaus. If someone from Amex would have reached out to me prior, then they would have gotten this information from me, and we could have avoided this. I will be submitting my credit card statements, bank statement, notice of lawsuit, and the reconsideration letter that was faxed to Amex. My bank statement will show that I am more than capable of making monthly payments, so I am frustrated that I am even going through this process. I love my relationship with Amex and would like to continue to grow with them. I have no desire for a credit card with that low of a balance. Please increase my card back to {$12000.00} as this has been a miscommunication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get answers from this company for a long time. I wanted an audit on my account they refuse to do it. I had to start my own spreadsheet which is about 20 pages long to find out some of the problems which they have never ever completely resolved. The one I am writing about now is critical as it relates to my payment on my mortgage that was modified. I was sent to escrow statement of a shortage in XX/XX/2018. I had already been trying to get other issues related to escrow resolved that have still never been resolved for two years. This particular escrow statement has three pages. On the first page it discusses my current escrow balance is {$310.00} and it says to keep up with the expense of my insurance and taxes it Hass to go up to {$340.00}. The difference is around {$31.00} per month however on the first page, they want to charge me {$31.00} per month over 60 months that comes to a figure of {$1800.00} and the original escrow amount is only {$530.00}. On the second page of the statement it has the correct figures over 60 months being only {$8.00} per month. They have not corrected it they have build me {$31.00} per month for the last going on for statements and refuse to correct it. I want this corrected but they drag me on and on I have spoken to so many people in email format on the phone and in voicemails heres a list I spoke to XXXX XXXX in their executive office multiple times XX/XX/XXXX I spoke to XXXX XXXX a personal banker in a local office or emailed him XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I was able to get a hold of an executive in the XXXX XXXX office I emailed her XXXX XXXX Several times XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I also contacted supervisor in the Mediation department XXXX XXXX I included her in several of the emails I sent to XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. I talked with XXXX on XX/XX/XXXX she was going to give XXXX XXXX a message. I received a letter dated XX/XX/XXXX from XXXX XXXX not resolving the problem glossing over it. I started working with another representative XXXX XXXX, I have talk to her last Friday. Ive left her a voice message on XX/XX/XXXX XX/XX/XXXX and I called and spoke to a XXXX today on XX/XX/XXXX I spoke to a XXXX on XX/XX/XXXX and I spoke to a supervisor by the name of XXXX on XX/XX/XXXX. This is only one of the problems I am dealing with they have been skimming from my account for years with the PMI required insurance on an FHA. They would take it out of my escrow and take it out of my payments. This particular problem is easy to fix but nobody seems to want to fix it they would rather foreclose on my home.

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 2021-02-11
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:
I have tried to no avail to resolve inaccuracies on my Experian credit report. There are duplicate accounts that they refuse to thoroughly investigate after numerous disputes, there is an account from XXXX XXXX that shows a late payment, and the account was refinanced through XXXX XXXX XXXX XXXX before a payment was even owed. There are accounts that were disputed with XXXX XXXX and removed, and Experian refuses to properly handle them. I received over 24 notifications from Experian in a 30-day time frame, on results of disputes that are were not even updated, in fact, they have lowered my credit score for trying to resolve these issues. I have a XXXX  job, that requires me to maintain my credit, and in the process of trying to purchase a home, this issue is interfering with my livelihood and chances at obtaining a fair home loan. I need assistance please.

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 2023-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 wanted to dispute an charge on my car for amount of {$340.00} from Bj 's XXXX. The charge was for XXXX and glasses, the XXXX XXXX  result was incorrect as I later went to another doctor, the fee also include an pair of glass which I was told to be ready in 2-3 Weeks and they will contact me once it's ready. 40 day passed by no call, then I tried to contact Bjs they told me it was ready but I never got the call ( They said they have contacted me mutiple time already ). They refused to refund. I have proof of phone call history where bjs never contacted me once!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase back in XX/XX/2021, paid my Comenity Bank bill in XX/XX/2021 a day late. Therefore, I never received another statement to state the late fee, and if I did I would have called to discuss removing the late fee, as my payment is history is great. I NEVER received another statement until there were XXXX late fees on a statement, when I called to discuss the representative was nasty, stated they could only remove XXXX late fee. I explained that I never received an email statement nor paper statement, cause I would have called to have them the late fee. It sounds like a scam to get money from me or others. They are harassing me at home and cell, an my husband told them to stop calling. He unfortunately, was and still is going for XXXX treatments. Now they are harassing me at work, I tried to settle this but they do not want to hear about the statement never received. Look at my history never have I had a problem any company with payments. Now the bill keeps getting higher and higher.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon looking at my Equifax report on XXXX XXXX I noticed that my current address is not my own. I have seen this address before. I currently have an account in charge off status with XXXX XXXX XXXX. I have called and written to this company many times to have them close the account and bill me to my current address of XXXX XXXX XXXX XXXX, XXXX, PA. I have gotten no response and the account went into charge off. Now I am getting ready to apply for a car loan and looked at this Equifax report only to see that it has my current address as the person whom I believe took my XXXX XXXX account under identity theft. I would like my address corrected on the Equifax report. If you have any suggestions as to how I can get XXXX XXXX to respond to me I am open to that as well. I am beyond frustrated with this. I have documentation proving that XXXX XXXX changed my address back and forth between mine and this other persons Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS 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, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}

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 2023-03-28
Company: Solar Mosaic LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XXXX, We got a loan from mosaic llc for solar panels with XXXX XXXX - XXXX XXXX they started the installation but never done and mosaic didnt got sure we got what they paid for it we tried multiple times to get our loan canceled but they only said they are investigating when they know that XXXX went into bankruptcy and they are not getting done the project. 
Attached is a picture where shows where the panels installation were when they stopped answering the phone, we supposedly get the panels to save on our electric bill but now we still have to pay our high electric bill plus we have that loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
need for them to mail me a copy of the transaction of a XXXX  XXXX XXXX  for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: AR
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 am formally request for the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the accounts. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Balance : {$24000.00}, XXXX  XXXX XXXX Balance : {$2000.00}

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