BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
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 information was compromised via data breech. Someone got a hold of my information and tried to apply for an auto Loan. Car loan and credit cards. These inquiries are due to Fraud. I have spoke to Experian XXXX and XXXX about this issue but they refuse to fix it. I should not be held liable for identity thief information. I am seeking your assistance in having the credit bureaus remove these information. 
XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XXXX  XXXX XXXX Ran XX/XX/2018 XXXX XXXX Ran XX/XX/2018 XXXX Ran XX/XX/2018 XX/XX/2018

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 2018-10-18
Company: Google Compare Credit Cards Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX Visa credit card was charged without my authorization by a merchant described as XXXX twice in XX/XX/2018. One charge was for {$99.00} and the other was for {$19.00}. I contacted the merchant, XXXX, and was told that it has a policy that it does not refund any charges. Therefore, I contacted my credit card issuer, XXXX XXXX, and disputed the charges as fraudulent in late XX/XX/2018. XXXX issued a replacement Visa card and suspended ( made those two charges not due on next statement ) the charges. XXXX contacted my by phone about my dispute, and I reiterated that I did not authorize the two disputed charges from XXXX in XX/XX/2018. XXXX then sent me a letter in XX/XX/2018 stating it had reviewed my dispute and found I received benefits. XXXX would therefore apply the charges to my next statement. I responded to XXXX on XX/XX/XXXX and XX/XX/XXXX using XXXX 's secure messaging to reference my disputes and subsequent letter stating XXXX would be applying the charges to my next statement. In these messages, I communicated that the disputed charges were fraudulent, and I did not receive any benefits. XXXX responded promptly ( most likely with an automatically generated response ) stating that, after my dispute was investigated, I would receive a letter regarding resolution. Since I've already received that letter from XXXX XXXX, and the resolution is unsatisfactory to me, I am escalating my dispute to CFPB. The disputed charges from XX/XX/2018 are now showing on my XX/XX/2018 credit card statement. I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX of this year, I applied at my local bank for a HELOC on my property. The process was going smoothly and the loan was conditionally approved. Then the title company found a lien on the property reported in XXXX  at book XXXX, page XXXX for the amount of {$25000.00} ( for Home Improvement ). According to my bank, XXXX, states that it looks like Bank of America may have paid this off - it shows a XXXX and XXXX mortgage with them after the XXXX XXXX XXXX XXXX ( which is now out of business ). XXXX needs me to provide them with something to show them that the lien ( which appears to be a equity/2nd mortgage ) has been paid off. The bottom line is that I owe no mortgage company or bank any funds - my house is paid off. I need to resolve this as soon as possible. I appreciate any help you can render at this time. Companies that may be involved with this issue are the previously mentioned XXXX, Bank of America, XXXX, Countrywide.

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 2023-10-24
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is being reported on my credit. this has caused major delays on my credit profile. looking over all data these items have been illegal reported an a action of fraudulent items reported to my credit report. please review an remove all listed items to help clear my file asap.

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 2021-02-17
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: Personal information incorrect

Complaint:
I DISPUTED ITEMS IN XX/XX/2021 AND I HAVE A LETTER STATED THEY DELETED THE INCORRECT ADDRESSES. UPON CHECKING ON MY REPORTS AGAIN THIS MONTH XXXX IT STILL SHOWS THE OLD ADDRESSES BEFORE. WHAT IS GOING ON. PLEASE REMOVE THESE ADDRESSES FROM MY ACCOUNT. IT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax has not been helpful with me or my profile they are intentionally trying to damage my credit profile and my life. I have filed a lawsuit against them and they are going out of their way to damage my reputation and my credit file. They took off 2 authorized user on my account which then dropped my score. Now I can not obtain credit for my business because of this terrible act. They are being spiteful because I'm suing them.. I need some assistance in stopping this criminal act ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: IA
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 did not Authorize XXXX XXXXXXXX to run my credit and I have already sent them a letter and waited XXXX BUSINESS DAYS to remove all hard inquiries that are unauthorized There is XXXX unauthorized inquiries on my Equifax report there are XXXX on my XXXX report and there is XXXX on my XXXX report and capital one does not have my authorization to to run my credit therefore there should be no hard inquiries and I have tried to resolve this by phone mail and email. 
The XXXX XXXX and XXXX XXXX XXXX also do not have my authorization to run my credit and also I have no open accounts with either of them and I want these removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Genesis FS Card Services, Inc.
State: PA
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:
I contacted the company multiple times over the years regarding about this account. still remain on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- right to privacy
604 A section 2
Usc 1681c (A)
Usc 1681s-2 (A) (1)
Also states consumer reporting agency.

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 2023-05-17
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:
someone has been using my son doing things in my name I have been trying to remove these things from my credit report and I have not seen any results so I recently went to police department to get a police 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 explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX sent in a credit dispute letter in regard to a Bankruptcy - dismissed that is appearing on my credit report. I have tried multiple times to dispute this matter with the credit bureaus but nothing further happens. The Credit Reporting company have listed the data furnisher being " United States Bankruptcy Court XXXX XXXX XXXX Georgia ''.- Which is false. On XX/XX/XXXX I sent in a letter asking for clarification from the court in which i was sent back a letter that I have attached from the Stated Bankruptcy Court verifying and stating that they do not verify or furnish any credit reporting information to the credit bureaus. The credit reporting is falsely reporting this information on my credit report and yet to remove this 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 2023-05-28
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/2023 Ive called ( XXXX  ) credit reporting agency.. well as ( Equifax ) credit reporting agency well as ( transUnion ) credit reporting agency Ive sent my drivers license social security card a bill from my home.. I cant see my credit score at all I been paying ( XXXX ) for there services..they didnt update my credit score at all..Im trying to get ( apartment )..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions 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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. which is false and misleading.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer 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 explanation
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act the following companies 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any Reason. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2019 I was notified that XXXX XXXX XXXX placed a hard inquiry on credit report. I did not know the screen I clicked on would have a direct impact on my credit. 

I chatted with XXXX support immediately and was told that the case/issue would be escalated within 24 hours. I received an email back saying they had nothing on file and please reach out to XXXX XXXX XXXX ( XXXX XXXX ) XXXX and they will have no problem with the application cancelation. 


Called on XX/XX/XXXX XXXX XXXX  - 7 Minutes - Kept telling me they have no record of any application or an account with them XXXX XXXX - 10 Minutes - Kept telling me they have no record of any application or account with them, I asked to be transferred to a supervisor but the call was disconnected. 

XXXX XXXX - 15 Minutes - Spoke to supervisor telling me the same thing, no account on file and no application submitted. She requested I speak with the credit bureau ( Experian ). 

On XX/XX/XXXX XXXX XXXX 14 Minutes - I called and spoke with Experian in regards to this they told me to contact the bank and XXXX using the numbers provided. On the file it shows a number for XXXX but that number doesn't take you anywhere its a endless loop of nothing and disconnects. 

XXXX XXXX 10 Minutes - I asked the representative to please notate my account but she also there was nothing that could be done and I need to speak with the bank in order to get the inquiry removed. 

I am unable to get a straight answer from XXXX about getting this inquiry removed. They do not have an application on file so it does not exist.

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 2022-10-03
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 2019-03-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
For second month in a row - I have paid my balance in full and Wells Fargo Propel will not credit payment to my available credit.

The company says that I authorized payment from a business account ( where I am an authorized signer and owner of business ) and that they have elected to put a 30 day hold on my payment. Before making payment via ACH - I explicitly verified I am certifying I am authorized to make payments from this account in their app.

Last month I also paid balance in full - and they put an 8 business day hold on crediting to my available credit. Now, I have a 30 day hold on my full balance payment made exactly the same way.

I asked them to simply return the payment to my bank account if they didnt like where it came from - but they have refused. If they did so, I would simply receive the money back and pay from a non-business account. They have refused to resolve this so I have no option but to open an complaint with the authorities on Wells Fargo Propel.

I dont wish to open a checking account at Wells Fargo at this time. I am already a mortgage loan holder with Wells Fargo for 12 years - so my credit relationship with the bank is not a new one.

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 2023-07-28
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response.

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 2023-07-28
Company: Experian Information Solutions Inc.
State: MN
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2021-12-31
Company: EQUIFAX, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My parents took the loan out in my name. Only being a teenager I had no idea what this meant. I am now in my 40s, single mother trying to go back to school to get a good job and I cant because of this student loan that at the time I had no idea was going to haunt me for 20+years. I just want to better my life for my children and I cant.

Company response to consumer: Closed with explanation