BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my 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 2023-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: NV
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 want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. Please repair and update these accounts.

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 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i want them to be removed. 

XXXX 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE AF Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-09-28
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: Was not notified of investigation status or results

Complaint:
I have UNAUTHORIZED inquiries in my credit report that must be removed.

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 2023-10-09
Company: Experian Information Solutions Inc.
State: WI
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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 


15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 



Delete this/these accounts unless you want to be held accountable for {$1000.00} per 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I am trying to cancel my subscription to Equifax. I paid the annual rate in XXXX. In XXXX, XXXX XXXX XXXX XXXX said they were doing the credit checks now and Equifax would not be necessary to use. So I contacted Equifax three times, sent two letters as requested to the company with no response. The last letter I sent by certified mail receipt and have not received the receipt after two weeks. 
I have varied my identification twice, picture and license, they have told me then to write a letter and I would get my money refunded for the rest of the year. Along with the letter, picture of myself and a copy of my license, I sent a copy from their website saying that they will refund money if someone cancels the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I HAVE SENT OVER 10 EMAILS WITH DOCUMENTATION YOU ALL KEEP REQUESTING MY ACCOUNT WAS LOCKED DUE TO SUSPICIOUS ACTIVITY AT WHICH I PROVIDE DOCUMENTATION AND YOU ALL KEEP ASKING FOR IT OVER AND OVER AGAIN. I HAVE EXPLAINED MULTIPLE TIMES AGAIN I HAVE PROVIDED DOCUMENTATION OVER 10 TIMES NOW AGAIN IT WAS A TRANSFER FROM MY ACCOUNT CHASE TO CHIME THERE IS NO ONE ELSE INVOLVED. I HAVE SENT AN STATEMENT AND DOCUMENTATION THAT YOU HAVE ASKED FOR MULTIPLE TIMES ALREADY I WANT MY FUNDS OR I WILL SUE I AM NOT THE ONLY CUSTOMER YOU ALL KEEP DOING THIS TO. MY ACCOUNT WAS WORKING PERFECTLY FINE UNTIL ALL OF A SUDDEN I DEPOSIT FUNDS NOW YOU ALL WANT TO KEEP MY MONEY UNLOCK MY ACCOUT OR I WILL SUE email on account is XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i received a letter from mr cooper dated XX/XX/2021 saying that they put my last payment in an unapplied funds account bc they were insufficient to b applied as a full payment. this is not true and is the same amount that i send every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to lift security freeze with Equifax for five days. Equifax has online management for security freezes. That feature doesnt lift the freeze and directs me to call customer support. I then follow the instructions on the automated phone service that does not work. When I speak with an agent, they say they are having system updates. I called them on XX/XX/2021, then each day after until XX/XX/2021. Each time they say they are having system updates. He took my SSN and said he is getting an error. That is not a system update and he also said he was able to pull up another account. Why was he pulling up an account for someone he was not on a call with? I then asked the representative to speak with a manager because I feel that a 5 day update is unreasonable. The representative then places me on hold and comes back about 10 minutes later and gets more of my information to try to look me up in the system again. He got an error again. When he was unsuccessful he finally transferred me to a manager. She then told me they have several other customers with the same problem and they dont know how to fix it or when it will be fixed. They dont know what the problem is nor how to address it. I am applying for a mortgage so this is time sensitive. I do not understand how you can say you have several people with the same issue and no clue whats going on? Now myself and others are stuck in limbo until they get their system fixed. I would rather not have to deal with this company at all. They allowed hackers to obtain personal information from consumers and should be excluded from credit reporting because they have no control over their systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I did not receive the credit " boost '' as promised after downloading the app and instead got unsolicited offers. I still haven't received the credit boost as promised.

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 2021-03-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Serve card offered by American Express offers services such as money transfers or paying a bill but do not follow through. As a result, my car is in danger of repossession

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I enrolled at XXXX last year to start fall school in XXXX. I had some pre-requisuite classes I needed to take as a result of my poor XXXX scores. Due to the cost of attending college at XXXX, I decided to dropout and enroll at XXXX. XXXX has specific instructions on how you can dropout and a dropout request can be submitted online. Due to my pre-requisite classes that I enrolled in, I was flagged as a student who was not authorized to dropout online ( something that I wasn't aware of, when I called the advisor hotline # I was told to go online to fill out dropout request ). I reached back out to the advisor general email box, sent an email on XX/XX/XXXX to explain my situation and screenshots that I couldn't drop out online, an advisor by the name of XXXX XXXX informed me I can't dropout onine and to contact my assigned advisor XXXX XXXX ( only he can submit the request I was told ). The same day I reached out to my advisor, he specifically said to send him an email with my student ID number and a statement that says " I will not be attending XXXX, please accept my dropout request ''. My advisor specifically said " I will take care of it and make sure it does get processed ''. It wasn't until XX/XX/XXXX ( after the withdrawal date ) that my advisor told me, " oh you actually have to fill this dropout form out and send it back ''. This was all after the withdrawal date, so now I didn't qualify for for full 100 % refund and now XXXX claims it is my responsibility to pay this amount, along with Conserve the debt collection agency. I submitted 2 written letters to Conserve explaining my situation in DETAIL, even sent copies of email communications from my advisor with this instructions on how to drop classes. Altought I supplied Conserve with facts, they don't actually research the dispute. They just send a copy of the " XXXX withdrawal dates " and claim my debt is valid. This has happened twice now and CONSERVE is not actually RESEARCHING my concerns. They are not reaching out to the advisors to confirm what they told me to do to succesfully drop my classes. As a result, I'm submitting a CFPB complaint against them. They are not truely a debt collection company that RESEARCHES consumer debt disputes. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: NV
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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. 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 Any other adverse item 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX, XXXX XX/XX/2021, XXXX XXXX  XX/XX/2021, and XXXX XXXX XX/XX/2021. Please REMOVE.

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 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account was opened fraudulently for the amount {$230.00}, I have no recollection of this account. The account was not opened by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-16
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 is my fourth attempts 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, remove the erroneous information on my credit record that came about due to an alleged fraud. The following items needs to remove on my file : XXXX XXXX HXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened a card with Victorias Secret for a {$7.00} purchase, they explained that I would receive the credit card and could pay the bill with that card number. When the bill arrived, there was no way to pay it without the card number. I checked time and time again for the card so I could pay the bill but I moved for college and stopped receiving the mail. I didnt realize the issue until my credit score tanked, which is when I immediately called and paid my bill. Im 21 and had an excellent credit score until this billing issue. I have never paid my rent late or missed another bill, I am a good bill payer and expect to buy a house in the next 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: PA
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:
There was a Credit Card opened with XXXX XXXX XXXX XXXX around XXXX of XXXX. I never opened such an account with them and never had any business with this sketchy company. I found out my Identity was stolen around XX/XX/XXXX when I was routinely checking my credit reports and found an account from XXXX XXXXXXXX that was closed 90 Days Past Due. The account number of the account is XXXX. I never opened this account and filed disputes with XXXXXXXX XXXX XXXX, Experian, XXXX, and XXXX for ID Theft. I also filed an ID Theft Report with the FCC. The file number is XXXX. I believe the ID Theft happened when I installed malware unknowingly around XX/XX/XXXX on my main computer. I request that this account be removed from my Credit Report effective immediately and for any adverse information to be removed. I also request any inquiries that resulted in this account to also be removed, if not done so already. I also request any of my personal information be removed from XXXX XXXX 's system and for any collection efforts to cease immediately. I have attached a copy of the ID Theft Report to this complaint for the company 's review.

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