BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Fl. XXXX. 
Employment should be : Student.

Status divorced should be removed.

Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file.

Problem with fraud alert or security freezes placed without my authorization should be removed.

Showing a delinquent account when it's not.

Account balances being reported incorrectly.

Lenders management of accounts reporting incorrect information causing negative impact to credit files.

Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment.

Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX 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

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 2023-12-04
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Phoenix Financial Services, a bill collection agency, that I was to pay them over {$20000.00} within 30 days or Id be reported to credit agencies. 

This bill was originally from XXXX XXXX XXXX XXXX XXXX ) for an XXXX XXXX  in XXXX ( over three years ago ). I had to be transported from my local hospital to my XXXX  hospital in a city several hours away in an emergency situation that was threatening my newly transplanted organ ( transplant was at destination city ). 

I never received any notice from XXXX over the past three years that I owed them any money this letter from collections is the first Id heard about any outstanding debt. After looking it up, I see that the statute of limitations for trying to collect this sort medical debt is 4 years where I live ( in CA ). ( but again, I never heard a thing from XXXX ) ) I called my insurance company today ( XXXX XXXX XXXX XXXX XXXX XXXX CA ) and they said that XXXX *did* bill them and that XXXX XXXX paid them over {$3000.00} my share was to be {$250.00}. ( they are sending me a hard copy of my EOB ) However, I guess XXXX is *not* in-network. AND YET, they have an exclusive contract for services in my county. 

I guess this is an instance of balance billing which I understand is illegal in most instances in California BUT that ambulance companies can somehow get around this rule. Is this true? 

How to handle this? 

Im waiting for a call back from Legal Aid Foundation in my city ... and...

I called the State of CA insurance consumer hotline and, though very kind, they cant help deal with providers only private insurance companies. He suggested that I speak to a lawyer. 

Can XXXX XXXX XXXX this to me? 

I'm a rule-follower, pay my bills, keep my insurance updated, own my home... but this just seems wrong. Do I have any recourse? 

Thanks for any insights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The issue is over a bad credit tick Kohls put on my report. On XX/XX/2019 I used my kohls credit card to pay for a purchase of {$140.00}. I immediately paid off the balance with my debit card in the kohls store. The cashier mistakingly applied my payment to someone else kohls charge making it appear as though I had not made the payment. Kohls attempted to charge me the total of XXXX plus interest and late fees making my total {$210.00}. I disputed this and got things taken care of on that end. I am now trying to get the bad credit tick they gave me removed from my history. As I was not actually late making my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: WELLS FARGO & COMPANY
State: TX
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 was shocked when reviewing my credit report and found several late payments on the dates below : Inconsistent dates below- 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 60 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 60 days late as of XX/XX/XXXX ( XXXX ) I kindly ask that you remove this late payments from my credit report as I am trying to qualify for a mortgage and it is effecting my credit score.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: UT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/23 XXXX XXXX had emailed me ( see attached ) that ALL accounts were marked for removal and and sent to the credit bureaus. 
Unethical that bureaus would put these up so quickly and yet NOT remove them immediately when they are told to but the " collection company ''. 
I feel these bureaus need to be fined or censured or other from the governing agencies in situations like this where they " seem '' to intentionally act against consumers. These are horrible actions.

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX 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 instruction

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 2020-06-30
Company: Experian Information Solutions Inc.
State: LA
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 submitted a verification and also validation request of the information that reports the most ; I have received is that the data is verified. I have also requested the who confirmed the information and how information was verified. I have not received any response to those, nor have I received proof of validation from the bureau. I have submitted my most recent request on XX/XX/2020, and before that, I presented on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have made Phone disputes also during XXXX and 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 2023-09-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXXXXXX is reporting 2 account for XXXX XXXX opened back in XXXX XXXX.

One account is open an a good status the second is charged off. After I pulled my credit report and found out.I contacted the credit Bureaus and I file a dispute requesting proof, evidence of why they open 2 account same day and validation of the debt, I did the claim over the phone and also by mail. 
I did contacted the community bank too, and after customer services pulled my info the told the charge off account was open with a different address they transfer me over to the fraud Department they listen my request and asked me to send a mail to formal start a dispute, I was also contacted to a Collection company who claim to own the account I request the same thing and the only send me a letter asking me to pay the debt, not one has been provide my request. Also if they sold the account to another company why they are reporting to my credit. 
How come 2 accounts was opened under my name same day and I was only aware about 1 account, even XXXX XXXX Retail Store confirmed that in their system show I have 1 account in good stand they are fail to provide any information.

I am requesting proof of the 2 credit applications with validation of the debt and any documents relate to those 2 accounts or t
hey need to delete the second account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
When I called a representative kindly agreed to have this late payment removed from my account now. That it has been paid in full and I have since been on time with all recent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: GA
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
American Express froze my card. According to them I filed for Bankruptcy. This is untrue. I ask them to provide all documentation used to determine that I filed for Bankruptcy, they indicated they could not provide any documents. In addition I ask if they reported anything to the credit bureaus. They did not know if anything was submitted. 

I have spent many hours correcting all the automatic payments because of this freeze on my card. This is a gold American express card that I pay over {$75.00} for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

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 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 2023-03-09
Company: EQUIFAX, INC.
State: PA
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 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts : XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX This was already included in my prior COMPLAINT # , and I'm including it again. this complaint is my follow-up complaint to ensure the validation of the listed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX we formed an XXXX XXXX for a small commercial property in XXXX CA. 

It was an inheritance and XXXX XXXX XXXX called the loan based on my fathers death. 

We had a relationship with Washington Mutual so we reached out and explained our needs In XX/XX/XXXX we came to an agreement secured a 15 year fixed loan which terminates in XXXX of XXXX We thought our loan was 15 year fixed and our last payment would be our last payment. 

In XXXX of XXXX our group had a bit of a riff. I requested an Amortization schedule as part of due diligence as a Managing Member. 

This was the first time I was aware of a balloon payment associated with our loan. 

I called again after we resolved and was told there was no balloon payment by a rep. I was still uncertain however I did not pursue it at that time as we had a loan called prior and were in no position to pay off our loan at that time. Now we are. The loan is now serviced by Chase. 

I reached out to Chase with my concerns in XXXX. We moved from our initial contact to another department and traded several emails and one initial phone conversation and one recent group call from Chase and two different departments. 

I admit to being a bit unsophisticated at signing. I did not know what a XXXX XXXX loan or an Actual XXXX was. I did question the XXXX have a balloon payment at the time and it was explained in case there was an issue down the road. 

We feel there was insufficient disclosure. We brought this matter to Chase. They feel there was. We are in disagreement. 

The the Note does say XXXX have a balloon payment There is no other description An Amortization schedule was not provided at signing Washington Mutual Billed XXXX XXXX but charged Actual XXXX they then took the difference between the actual XXXX and XXXX XXXX and added to the difference of the principal monthly. 

We feel disclosure was insufficient and had we known that we could we would have made extra payment to account for the difference if we could. In fact even now we are unsure if we could have due the rather aggressive prepayment schedule with our loan. 

Our argument to Chase was based on the way the loan was structured and billed there was a known balloon payment from the beginning by design of Washington Mutual. Furthermore, it was disclosed inadequately. 

This and lack of the Amortization schedule would have alerted us to this. 

We sought out Chase to correct this. They denied and defended the note and feel that disclosure was sufficient as of yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: AL
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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