BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
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: Information belongs to someone else

Complaint:
Some accounts listed on my credit report do not belong to me or that I did not open. This is my police report : XXXX, and the accounts are listed below : - XXXX Account # XXXX - XXXX XXXX XXXX Account # 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 2022-03-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Machol & Johannes, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX suing for account that is beyond the statute of limitations in oklahoma. 
Account opened XX/XX/XXXX Last payment made was XX/XX/XXXX. 
Suing for the amount of {$3600.00} Recieved very little communication via mail, email or phone. 
Date summons was issued XXXX Recieved summons XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sent certified letters for dispute for Capital One Credit Card for charged off account that is still showing a past due balance. Asked them to fix this or remove. Company and Credit Bureaus state they investigated these accounts and that they are verified. Did this in XX/XX/2020 and XX/XX/2020. Have receipts and of certified letters From credit bureaus and date of Capital One employee emailing me back with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Old information reappears or never goes away

Complaint:
I have been trying since XX/XX/XXXX to dispute a XXXX which turns into XXXX  for collections on my credit file. I have never heard correspondence from XXXX or Experian about validation of debt and they continue to dispute this incorrectly. I have contact XXXX, because XXXX is so old it was bought out by another carrier years ago. XXXX even said they can not validate the debt because XXXX  is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. XXXX and Experian have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through XXXX and Experian.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had filed a dispute with Transunion, LLC, regarding an inaccurate item on my credit report. The results of the dispute ( attached ) were that the item was verified as accurate by Transunion, LLC. However, I have attached evidence which shows that the original amount of the debt was not accurate, as stated by the original creditor XXXX XXXX XXXX XXXX XXXX XXXX The original creditor has acknowledged that the original amount was not accurate and provided a corrected amount via email as per the attached correspondence. The original creditor has attempted to resolve the item by contacting the XXXX XXXX, XXXX and the collections agency has placed the item " under review '' for several weeks ( over 30 days ), but they have failed to correct the item on my credit report. Based upon the email correspondence from the original creditor, the correct amount of the debt was different from the amount reported by the XXXX XXXX XXXX to the credit bureau, Transunion. However, since the debt was sold to XXXX, the original creditor was unable to resolve the issue within a reasonable time frame ( over 30 days ) and Transunion apparently did not investigate the inaccuracy with the original creditor following my dispute.

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 2023-08-08
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Opening Account XXXX  the Chase Bank on XXXX XXXX XXXX XXXX NJ XXXX XXXX Never returned my XXXX State ID one of Two ID used to open account XXXX State ID. I sent Emails complaining, no response. In Bad faith My ATM card was never sent to XXXX XXXX XXXX XXXX NJ over 4 different times, Branch alleged it was sent. After moving to PA I requested 4 times for ATM card which was also never sent. Chase was addement on Policy of waiting period of month. After period was up Twice no card. mysteriously After 8 months & requesting ATM once again it was scent not to any address on File with chase due to " Waiting '' period I never gave XXXX XXXX XXXX XXXX PA XXXX out of fear that " Month period waiting ''. However a card was received & Once activated by me it was reported closed because Chase sent another card. Once this card was received & Activated the Card pin Was alerted as wrong according to chase. In my transaction today my pin was accepted by XXXX XXXX  on file with chase which asked for {$2.00} fee which I declined & When next door to XXXX, This ATM the same pin alerted Incorrect. A few minutes after talking to Chase '' who stated pin Incorrect " the pin worked & printed a Balance that can't process without a correct pin. The Balance showed Not Available after calling the Branch again today I was confirm the Account was Available of {$400.00}. I was told the pin was incorrect & have to wait XXXX days for a letter with A pin scent to the Address I never gave Chase, out of fear I would have to wait A Month. Furture more I letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX about A platinum Card application which I never applied for. This City in PA XXXX XXXX doesn't have any chase Bank. This is why ATM Card was required. I'm filling A CIVIL RIGHTS Amendments Violation & Small Claims Case immediately in effect. Attached is Letters of Initial Submission of ATM Card Never received from Opening the Account in 2022, with A record of Letter to XXXX XXXX XXXX during These XXXX ATM card that was Mysteriously sent to Address never issued to chase because of " Policy '' of waiting a month. Now the Card that was received was closed & XXXX Card That was scent was activated & My pin was programmed Along with the first That's how I became aware the initial Card was Closed. Now Chase Alleged the pin is incorrect & is in process of sending me a letter with pin, which I obviously didn't Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax, XXXX, and XXXX all claim they verified my backruptcy from the courts and the court stated that they don't verify bankruptcies to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: SC
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 Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-26
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had credit inquiry from Barclays Bank Delaware and AMEX om XX/XX/2022, XX/XX/2022 respectively. I haven't done any credit inquiry from those banks. I had hard checks for those two which effected my credit score very badly

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 2018-10-26
Company: MoneyLion Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I opened an account and secured a {$500.00} loan with MoneyLion Inc. in XX/XX/XXXX. I called MoneyLion Inc. on XXXX advising due to a family emergency, fraudulent activity causing XXXX XXXX to close my checking account ending in : ( XXXX ) which created a personal hardship, I could not continue to make the monthly payments coming from the now closed XXXX account. I was advised : " No problem, we will deactivate your account until your financial situation has improved and you can resume payments to MoneyLion. In mid XX/XX/XXXX I logged into my MoneyLion mobile account, finding a message that a payment was scheduled to be withdrawn on XX/XX/XXXX XXXX from the closed chase account. I filed complaint number : ( XXXX ) on XX/XX/XXXX with CFPD, received an email on XX/XX/XXXX stating CFPB did not have jurisdiction over local, state or federal government agencies. MoneyLion Inc. does not fit any of these. MoneyLion Inc. is a private, independent company founded in XXXX by XXXX XXXX of NY, NY, who remains CEO. MoneyLion Inc. offers diversified financial services. The mailing address for MoneyLion Inc. is : ( XXXX. XXXX XXXX, XXXX, Utah XXXX. The customer service phone numbers are : ( XXXX or XXXX ). The email address : XXXX ). I have contacted MoneyLion Inc. multiple times to resolve this matter to " NO '' avail. Moneylion did  attempt to withdraw funds from the closed XXXX checking account, now charging me {$23.00} for NSF fees after being advise the XXXX account was closed. MoneyLion Inc. has reported late payments of more than 30 days to the three major credit bureaus. I would like this account with MoneyLion Inc. closed and finalized.  Respectfully Submitted ...

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 2023-09-16
Company: Affirm Holdings, Inc
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently pulled my credit report and noticed that Affirm were reporting against the FCRA standards. How can I possibly owe two balances on a charged off account? As of XX/XX/XXXX  it is reported as " Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/. " It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
My name XXXX XXXX, I've been retired from the US Military since XXXX. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I retired from the Military in XXXX, I have not lived in no other state. I built my home here and have always live here in south Florida after I retired in XXXX. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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 sent in a dispute letter XX/XX/XXXX to Equifax with no result or corrections to inaccurate information on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We were going to pay off our student loan, but discovered the allocation of interest vs. principle was way off, very inconsistent. It seems we have already paid more interest in 7 years than we should have in the life of the 12.1 year loan. Some months they put  XXXX  to principle and our entire payment to interest. Even the statement shows we paid over 7K in principle, yet our balance has only gone down by 2K?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: WA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1881 Section 604 A Section 2 : I1 also states e consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681C. ( ) ( 5 ) Section States : no consumer reporting agency may make e consumer report containing any of the following items of information Any other adv Item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account : Account Number 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 2022-03-28
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: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-24
Company: Experian Information Solutions 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-05-27
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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