BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: WY
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:
Last year I started getting some school loans to help me pay for school. They said my credit was not good enough without a co-signer at the time my credit was a XXXX the year prior and it should of still been high. I recently got a new bank account and I was looking into the app. It shows where you can see your credit and it showed a XXXX. When I looked at the personal information it showed my social security number. My twin sisters name and a mix of mine and her credit stuff mixed together. It showed her address and not mine. I called several companies such as XXXX to get the information fixed they Could not see any problem. I finally got ahold of Experian since thats who my bank chase used. They found the problem and said they are getting it fixed. This was such an inconvenience I have had to pay a couple extra thousands in interests rates because they made a mistake. They admitted to mixing up our credit stuff into mine. When I told them this they just said on that note thanks for using Experian. This mistake has cost me a lot of money, taken my chances from getting school loans and ruined my credit score for a long time. It raised me up to 80 some percent. I am now back to 33 %. Because of it being 80 some percent my score has not been able to go up much. I want to file a complaint, I want that lower score taken off my credit history completely since it shows up as my history. And I want my score to be up higher where it should. Most importantly I want to know if I can be compensated for all the inconveniences such as paying lots of money for a mistake they made and have shrugged off. They acted like it was no big deal they had mine and my sisters credits mixed on my report. This is a huge problem and a big deal. This in a way messed up my identity for however long and taken opportunities from me. What can I do for this to be made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: DC
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:
My Experian FICO score dropped XXXX points. The notes indicate a late payment. When going through each individual account, there was no late payment, whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: W&A Intermediate Co., LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I took my son to ER on XX/XX/XXXX. His first name is my middle name and his middle name is my first name. basically same. He has full Medicaid. Not sure why we got billed, {$300.00}. actually received a bill sometime in XXXX and when tried to give the insurance they could not find the account ( the hospital billing department over the online account search ). So then I figured this is an out of state network provider. Received a bill and tried to open online to update the insurance and could not find an account. Name was misspelled, dates of birth wrong, no Social number. Could not find an account. Now, on XX/XX/XXXX I received a collections letter and before I have time to go through it, I see on my credit report it is a collections reported. I call first the clinic that I supposedly owe money, and give my info and they said we don't have anything under your name. I give then, my child info and they say that yes, there is a balance due and it was sent to wakefield and assoc. for collections. I tell them my child had and has Medicaid. They gave me in the end an email where to send a proof of insurance. I called up the insurance and they said instead they will file a grievance. I then called up the collections and told them the story but the person on the line didn't seem to understand me and my spouse and kept saying it is better to pay because i see the insurance already paid a part. They don't understand that it is my son not me, and he has Medicaid. So they also said, they send an update to credit bureaus each Monday and if I paid next Monday they will send and update and delete it from the report. I paid, did not get a receipt of payment. They also charged {$6.00} fee. I did not approve all this time that this is my medical bill. I just paid to get rid of the report as per what they said. I then tried to call this collections company about the update they promised to take off the report, and no number is being answered, I am being sent to leave a voicemail. All this time, I did not have an option where to give the insurance number to anyone. Just to pay. Seems that a child having Medicaid can be billed. 
My grievance is in the works with the insurance but I feel I was misled by the collections in the way they handled and then not give me a written proof of what they said over the phone or answer my call to talk to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: CITIBANK, N.A.
State: AL
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX XXXX  every account I have was hacked. Hackers went into my email and went into all accounts associated with that email. The hacker added themselves as authorized users on every one of my accounts using the name XXXX XXXX. The hacker then ordered credit cards with their name on it. The hacker also added a stolen bank account as an account linked to the credit account. They ran up a bill and even used the stolen back account to pay the credit bill down to a XXXX balance ( increasing the credit limit so that they could purchase things again ). The owner of the stolen bank account that was used fraudulently had all of the payments reversed leaving a bill over {$8000.00}. The credit limit on the card was only {$2000.00}. I have spoken with the fraud department numerous times regarding this issues and they dont seem to care or even understand the situation. Ive worked very hard on building my credit and my score dropped over XXXX points to this. I have a great credit and payment history on all accounts. I dont know what to do or where to turn to get help. Im desperate here

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 2023-08-04
Company: EQUIFAX, INC.
State: AZ
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-18
Company: Reel Time Capital LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a call from a XXXX XXXX on XX/XX/2023 stating that she was a process server and was trying to locate me. I told her who I was and she told me that she could not tell me why she was calling, that I had to call another number to get information. She called from a spoofed number XXXX. The number she wanted me to call back was XXXX. I called the number to see what is going on and the person who picked up identified herself as XXXX. XXXX proceeded to tell me that she was from Capital concerning a payday loan. When I questioned her to ask for debt verification and the companys name she became very rude and abusive. She presented herself as a process server and stated papers were being filed against me in the county. When I asked for her license and was she just a debt collector she refused to give me any information and just continued to talk over me so I ended the call. On XX/XX/XXXX, this same person contacted my daughters. When I called back and told her that she had already talked with me and that she was violating the Fair Debt Collection Act by contacting a third party and telling that third party that I was being sued for some type of debt, she said to me Maam just give it up. This company has violated the Fair Debt collection act by contacting relatives after they have spoken to me, and they also refused to identify themselves. Also very abusive when speaking with me and telling third parties that I owe a debt after speaking with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: NM
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 contacted the Credit Reporting Agencies via Disputed letter after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that the late payments on the following accounts be corrected and fixed as soon as possible : XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$31.00}. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/23 I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX thru experian consumer solutions XXXX XXXX XXXX XXXXXXXX failed to provide notice of dispute to the comment section of my consumer report FCRA sec 623 a 3 Duty to provide notice of dispute.

Company response to consumer: In progress
Consumer complaint received 2023-03-18
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 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$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 2023-03-18
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:
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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$0.00} ; 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: AZ
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: NC
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 3rd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: AR
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 complaint is a follow-up complaint in line with my previous attempt. I need you to remove or block the reported items in my file for I believe they are erroneous. 
XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Hello, I used capital one travel credit card to book a hotel room in XXXX on XX/XX/XXXX because I had a layover in the city and needed a place to sleep. I arrived in XXXX at XXXX XXXX. And then I took a taxi to the hotel, but the hotel was closed. According to Capital one, I should have read the details of the hotel as it says that the hotel closes at XXXX XXXX. But that was not communicated to me and it was buried somewhere in details. In addition, the hotel never sent me an email regarding the hotel hours that it closes at XXXX XXXX I have been trying to resolve this issue with capital one for over two days.I called them from XXXX and promised to get it resolved and get a refund. They never got back to me. Then when I came back home, I called them and then after 24 hours, they told me that they can not get me a refund for the hotel that I never used. I had to book another hotel to stay at that night. So I ask the government to help me get back my {$120.00} for the hotel I booked. I really never seen anywhere in the world where hotels close at XXXX XXXX. This is quite a scam. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my previous 4 complaints on the same matter are not being addressed by Wells Fargo. There is a person named XXXX XXXX ( XXXX ext XXXX and goes to the mtg dept of all things ) who keeps telling me that " I am researching/we need time/I will make a decision soon '' etc. This is from XX/XX/2023. The 2 USPS money orders that they stolen from me are postal receipt # XXXX for XXXX and postal receipt # XXXX for XXXX Sign on the wall of the post office says " USPS money orders are cash instrumentals, protect them as you would cash ''. Wells Fargo has stolen about XXXX from me. BTW, the checks were cleared for payment to Wells Fargo and in my account about 3 days after the deposit. THEY ARE GOOD CHECKS!!! Why is this so-called bank stealing my money? I want to know the criteria they use to decide that the checks were fraudulent. Who is in charge of the fraudulent check department..Name..experience?? It's almost 2 months AND I WANT MY MONEY BACK YESTERDAY.!!! I sent them photos of the 2 money order receipts and photos of the paper receipts I bought them with. I used my bank debit cards to purchase these money orders. These checks cleared 2 days after the deposit and were in my acct on hold. Then like magic, they disappeared!!! Cleared checks that are being held from me!!. is Wells so hard up for funds? I know their track record on fraud and what they have done to thousands of customers in the past. Im not going to be one of them ... a new claim for them? ..holding cleared checks from a law-abiding citizen. Is this a new scheme??? I can go to small claims court in NY if I have to. They will not get away with this!!!

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 2023-03-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a check from the bank XXXX XXXX and deposited to my bank, Chase. Chase then suspected fraudtold me the check had already been deposited, wouldnt release funds, froze my accounts. I have proof the check was cleared at XXXX XXXX. Chase is now closing my account, not giving me the money, and said they will send me any monies owed to me!! I have no way to obtain any money right now. This was a check drawn against my fathers trust/will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: GA
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 fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish account, without my written instructions.15 U.S.C 1681c ( a ) ( 5 ) section States : no, consumer reporting agency may make any consumer report containing any of the following items of Information, other than records of convictions of crimes Which antedates the report by more than seven years.15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable call to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Bridge It, Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit builder account through app Brigit is not as represented on my credit bureaus reports. They do not lend money. They collect your money and set it up as if they loaned you money. ITS NOT AN INSTALLMENT LOAN! 

I repeatedly told them to close the account since I was scammed by XXXX XXXX XXXX XXXX for {$450.00} at XXXX. They obviously don't know how to promptly close accounts and return your money but I instead report you as 30 days delinquent when you don't send them {$25.00}. 

It's my money..understand they are using my money. They lent me zip. Not $ XXXX.Follow? 

This is fraud and must be stopped.

Company response to consumer: Closed with explanation