BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
went to XXXX to request credit reports from all 3 sources. The program glitched when I tried to get my third ( Experian ) report and I have spent an hour calling and recalling their various phone numbers, pleading for help from a human being who could resolve the situation in 2 minutes, and being hung up on by automated systems.

My complaint is twofold : there is no way to get help if an automated process glitches up in the middle from the original source of the issue because there are potentially a lot of places where it could glitch up ; and, when you try to ask the only source available in the chain, which, after all, is the one handing out the information, you get no help from the robots and no way to talk to the humans. I may have tried to order  another credit report through the voice messaging system while trying to reach a human being at Experian 's customer support desk. If that happened, then there is a third complaint that now my credit will be affected by this screw up and it will need to be adjusted accordingly This is why robots will be the downfall of civilization - bad sloppy lazy programming

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 2023-11-09
Company: EQUIFAX, INC.
State: MI
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 appreciate how you assisted in REMOVING a portion of the fraudulent data in my credit file, however, there are still accounts that should be deleted or blocked. FCRA section 605 requires you to destroy any records detected on an ID THEFT REPORT. This report was mentioned in a recent letter, so I'm including it again. I've notified my attorney of my plans, and they are eager to hold you accountable for your tenacious defiance. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2023-03-22
Company: BARCLAYS BANK DELAWARE
State: NY
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:
My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}

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 explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please know that the details in my credit report are inaccurate. It includes incorrect addresses and unauthorized inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.

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 2023-04-06
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:
All three credit bureaus are reporting inaccurate information and never had a result from a dispute it has been past two to seven years I have been disputing the same, and new stuff on my credit report, old stuff older than seven years still on my report dropping my score for no reason inquires from companies I have no clue about I have paid off accounts and none of the information is on my credit report reflecting good points I have paid on time on all the other accounts and my credit score is still low I didn't think you had to be in debt to get a good credit score I thought when you are in good standing with a company for paying on time and off debts what counts credit bureaus I feel hurt more then they help consumers I have tried over the last few years to make corrections and work on my credit but I am at a standstill as if the credit bureaus are hindering my chances to move forward to be able to get a better interest rate on loans for the ability to get a better home the abitlity to live a better life I feel it is unfair for companies to resale accounts that are more than 7 yrs old especially when a consumer apply for credit cards or loans there is insurance that cover the cards or loans just in case the consumer become ill or death occured but my argument is with the three credit bureaus low scoring, not disputing complaints long waits to talk to a human some unprofessional reps talking down to consumers the list goes on but it is consuming to be denied fairness for so long I shouldn't have to have a purse full of credit cards more than one car loan or too many personal loans to get a good credit score that is what put in debt they get overwhelmed to pay back and have health problems, divorce, XXXX etc ... because of being overwhelmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

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 2022-08-18
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}.

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 2023-11-09
Company: EQUIFAX, INC.
State: GA
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:
This is my OTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to buy a new car and was told that only XXXX XXXX  would be used and it more than that has appeared on my credit report as shown below in attachment via Identity Theft Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: Experian Information Solutions 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:
This is not a duplicate case. I am submitting this request as I have garnered additional information from both XXXX XXXX and Experian which further proves that they are inaccurately reporting the status of a closed/charged off credit card account to Experian. It also appears that XXXX XXXX has chosen not to correct the action, which comes as surprising as the information is black and white. 

The account is being reported to Experian as past due in the last 60 days, however, the account was settled for the full amount in XX/XX/XXXX ( 90 days ago ). 

Furthermore, I have been in contact with XXXX XXXX and the representative confirmed that the account is being listed as past due, however, she can not modify the account due to it being closed. 

I have since been in contact with Experian and they were able to confirm that the dates of the " late payments '' date back to XXXX and earlier ( five years ago ). 

As you can see this is a discrepency as the account was listed as late within the last 60 days ( XX/XX/XXXX ), even though the late payments are from XXXX and the account was closed out 60 days ago. 

In XXXX I established an arrangement with an attorney to settle the account in payments, making my last payment early, on XX/XX/XXXX. The attorneys office stated the account would close completely in XX/XX/XXXX, 30 days after the payment has posted to their account. 

Since making the payment arrangement with the attorney I have consistently made on time payments, even paying more than the minumum amount most months. 

I need confirmation from XXXX XXXX directly, as to which payments ( month/day/year of the late payments in question ) XXXX XXXX is reporting as late within the last 60 days to Experian. Additionally, if the late payments were not within the last 60 days ( which they are not because the account has been paid off for 90 days and closed for 60 days ), I need that late status removed from my credit report, as it is inaccurate. 

I am looking to have this resolved within the next 30 days or I will be seeking legal counsel for this matter, as it has been prolonged for long enough.

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 2023-01-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I wanted to dispute a transaction which I purchased with a credit card issued by Chase Bank ( I was unsatisfied with the service I received from merchandise ). However Chase didn't treat my request well and didn't even try to protect customer 's right or investigate more into the case I met. 

Some details for the transaction- I purchased four tickets for XXXX XXXX XXXX XXXX XXXX  for the XXXX candlelight concert held by XXXX. However, the experience didn't reach my expectations and I would like to request a refund for the XXXX tickets. 

1. We purchased tickets for XXXX XXXX XXXXeats but when we arrived, the only seats remaining for us were the last rows of XXXX XXXX ( We can't even see XXXX 's face from there ), which should had a lower price than XXXX XXXX  tickets. We complained this to the staff but we were told the seats were first-come-first-serve. That totally didn't make sense. XXXX XXXX has different price than XXXX XXXX, how can all seats be fcfs? 

2. The scheduled firework was canceled. Firework was the most expected part we were looking forward to but it was canceld. We also communicated with the merchant for the cancelation, but they didn't give any feedback for this and didn't provider solutions. 

3. The performers played several wrong notes, especially in XXXX XXXX XXXX XXXX XXXX XXXX 

Unfortuantely, the experience didn't reach our expectations- especially the expeirence with the seating, we felt really being offensed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX  Bankruptcy XXXX XXXX # XXXX In XXXX of 2016, I filed for bankruptcy. Since then the bankruptcy has been discharged and is reporting on my credit reports. 

I sent a letter to the XXXX XXXX XXXX Illinois asking them to verify the information that was reporting to the credit bureaus, XXXX, XXXX and Equifax and the XXXX XXXX XXXX XXXX responded saying that they do not work with any credit bureaus. 

I have previously disputed with Each bureau XXXX, Equifax, and XXXX an in response they reported the information as accurate, stating that the information was verified with each bureau. That has been found not to be true since the courts veriifed that they dont work with credit bureaus. 

I am requesting that this bankruptcy be removed from my credit reports since the courts stated that they do not work with any credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We went into the bank on XX/XX/XXXX to report fraudulant activity on our savings account and to close the account. The bank filed a claim. Fraud investigated and saw that their was suspicious activity on our savings account prior to what we noticed and were reporting to the bank. The fraud department reviewed our account, gave us a temporary credit for for {$1.00} which covered the initial debits to our savings account ( in which we never noticed ). 
XX/XX/23 {$1000.00} XX/XX/23 {$1300.00} XX/XX/23  {$1400.00} XX/XX/23 {$960.00} XX/XX/23 {$530.00} XX/XX/23 {$420.00} XX/XX/23 {$540.00} XXXX/XXXX/23 {$640.00} XX/XX/23 {$300.00} XX/XX/23 {$.00} XX/XX/23 {$.00} XX/XX/23 {$.00} XX/XX/23 {$1.00} Our savings account is not tied to anything. All of the debits were done by hacking and scam. We filed a complaint with XXXX and have requested an investigation. We have put a freeze on all 3 credit reporting agencies, are changing banks, have registered for life lock for monitoring on all of our financials. 
XXXX and Chase both are denying reimbuising us and just tell us to contact the other company. We have been loyal customers to Chase bank for over 20 years and can not believe this happened to us. We cant believe that Chase bank is not taking responsibility. Public record they were hacked last XXXX after we did some research trying to find out how this happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Capital One is sending me alerts incorrect alerts in regards to credit profile and my so called free service XXXX XXXX  it upsets me that the information there providing and stating is incorrect NOT MATCHING THE THREE BHUREU 'S causing me to questionINFORMATION I believe Capital One is deliberately providing this information with following marketing adds asking me too purchase crediting monitoring products XXXX XXXX Is Over Reporting And # XXXX company damaging my credit WITH NO FORGIVENESS ( IMPACTED BY COVID ) Capital ONE they are stealthy to report late payments not once but twice to keep me in bed with them and offering me extended credit and reporting/diminishing my credit worthiness I HAVE PAID OFF ALL CARDS AS I WILL ONLY USE THEM AND MY CARD IN A EMERGENCY last time I closed 2 accounts it made my score way down I will leave one account open to prevent this in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Last Month I file a complaint against Ally - CFPB Number : XXXX XXXX who is the XXXX Customer Relations of Ally Bank stated In Ally Bank response and I quote " We have asked the credit reporting agencies note your account information as being disputed. But on XXXX Ally Bank reported another missed payment. This is deceptive and unfair tactic from Ally Bank! As of right now I am currently in litigation against Ally Bank. Ally Bank shouldn't be reporting nothing until our dispute is settle in court! On XXXX I file for a " Notice of Removal " and mail the copies to their lawyer and Ally Bank the next day " 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