BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: AZ
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 


Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
nquiry from XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus name is Experian The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The customer service department did not help remove the negative inquiries that are reporting on your 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 explanation
Consumer complaint received 2018-02-23
Company: Experian Information Solutions Inc.
State: MS
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 send several letters out to XXXX about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from XXXX, XXXX, Experian I have 18 hard inquiries on XXXX 43 on XXXX and 16 on Experian it has been over five months and I have not heard for any 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 2023-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One has continuously charged " Past Due Fees '' of {$40.00} per month, with XXXX being {$30.00} in addition to the interest accrued to the principle balance, and the additional fees which themselves work to exponentially increase the total balance due. I have throughout my financial hardship been in close contact with Capital One to communicate to them the financial hardship I was facing, and received assurance from them that they would " work with me '' but the fact is, all they have done is worked me over. I am in the position to begin making small payments to settle my debt with Capital One, but there is no reasoning with them to remove the fees, of which I refuse to pay for. They have done considerable damage to my credit report despite their friendly appearing and sounding programs to help clients facing financial hardship. All they have done is predatorily sought ways to capitalize further on my hardship. They refuse to settle the account for any amount and are unreasonable to deal with, often their customer service does not even understand my requests because of their tendency to offshore their customer service. 
Past Due Fees : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$40.00} This is not the total of damages, but it is the total scope of record their interface allows me to access. I have been in a financial hardship since XXXX XXXX XXXX. I am a XXXX veteran, and sole provider to a wife and XXXX children. I am going to school full-time through the VA 's XXXX & XXXX program to provide a better life for my family upon the completion of my education, and hopefully during it's pursuance as well. 
The total interest charged during this time is in excess of {$270.00} with a current total balance owed of XXXX for a card which has an available credit limit of {$400.00} to give perspective to the total additional charges to the principal debt 's balance of {$400.00}, being that there is additional charges of {$730.00} I hope that this speaks volumes to the reader. Despite my constant communication with Capital One I have been treated like a rotted carcass by Capital One who is a vulture.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
CRIMINAL INTENT : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Under penalties of perjury above names and JPMorgan claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
See Frivolous, Malicious, Wrongful lawsuits : 2019-012876-CA-01, 2015-003933-CA-01,2013-035740-CA-01,2008-058441-CA-01,2008-047293-CA-01. 
We suffer from XXXX XXXX now, XXXX XXXX XXXX, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from Washington Mutual which was terminated in XX/XX/2008. see  enclosed. 
Please HELP Help. We are retired and can't cope with this anymore PLEASE HELP ME ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I was affected with identity theft that cause me not to have credit or have bad credit due to incorrect information an reporting deceased illegally XXXX illegally allowing debt collector report false information on my report shouldn't be allowed to do cause my credit score to drop down XXXX points for they mistake nobody couldn't provide any information about my date of birth XXXX XXXXXXXX  I was effected with identity theft an it everything reported on my report should be removed off my report due to this problem I never have a open account they can't provide successful evidence anyone could use my name to get access to good no should anything should been approved with 2 form identity card an social security an proff of address fraudulent activity everything should be removed off my 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am writing to formally express my dissatisfaction with the multiple attempts made to correct the late opening of my account with your company. I believe that the repeated efforts have not yielded the desired results, and I am left with unresolved issues. 

I initially contacted your customer service department to address the tardiness in opening my accounts. Despite my efforts and the subsequent attempts made by your team, the issue persists, and it has caused significant inconvenience and frustration. 

Despite these multiple efforts, the matter remains unresolved, and I find it necessary to escalate this complaint formally. The late opening of my account has not only affected my ability to use the services promptly but has also resulted in [ mention any specific consequences or difficulties you have faced as a result. 

I request a thorough investigation into this matter and a prompt resolution. Additionally, I would appreciate regular updates on the progress made towards rectifying the situation. 

If this issue is not resolved satisfactorily within the exact timeframefrom the date of this letter, I may have no choice but to explore alternative avenues to address this matter, including filing a complaint with relevant regulatory bodies. 

I believe in a fair and prompt resolution to this matter and trust that your company values its customers ' satisfaction. I am hopeful that this complaint will serve as a catalyst for addressing and rectifying the issues surrounding the late opening of my accounts. I am asking for your assistance to correct this late open account in my credit file : 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 2023-02-15
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I filed a dispute with Chime for a XXXX  transaction and received a Provisional Credit for the amount. On XX/XX/XXXX, I received an email stating that Chime had found nothing wrong and would reverse the Provisional Credit, On XX/XX/XXXX, Chime reversed the credit and it was successfully deducted from my account. Fast forward to XX/XX/XXXX, I noticed that the dispute had still not been closed despite the Provisional Credit Reversal, I then requested to cancel the dispute. It was closed per my request, that is until I found out Chime had charged me again for another Provisional Credit reversal on XX/XX/XXXX despite the original setback on XX/XX/XXXX. I had received an email about the matter but brushed it off and deleted the email thinking they wouldn't recharge me again as they had already done back in XXXX. I called them at XXXXXXXX XXXX on XX/XX/XXXX about the matter, and a representative said they would escalate it and the issue should be resolved in about 24-48 hours, I then called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all representatives I spoke to stated they would contact the Investigation team and reach out to me shortly. I have not received an email or phone call about the matter at the time this complaint was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX I contacted Experian about the following negative accountXXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2900.00}, )XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} )XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), U S DEPT OF EDXXXX, ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-06-11
Company: Experian Information Solutions Inc.
State: MI
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 have submitted documentation that Experian, XXXX, and XXXX have been sharing improper accounts on my credit report. They are in violation of code section 609. 

Experian is reporting inaccurate account : XXXX XXXX XXXX XXXX is reporting inaccurate account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate account : XXXX XXXX did not get my consent to share on my report ( PLEASE REMOVE ), XXXXXXXX, and 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 2020-03-05
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In 2012 I took out {$9500.00} in student loans from myfedloan.com for XXXX XXXX. since then I have been paying them back on time every month. Last year I applied for a loan discharge to see if I can get the remainder of my student loans forgiven because my school was shut down by the government for fraud and my " degree '' is a joke. While the department of education was reviewing my case they decided to start refunding me the money I had paid to myfedloan. I called myfedloan and explained to them what was happening and they said not to make any more payments to them because it would just get sent back to me. The department of education denied my case for forgiveness after all but they are still sending me back money I paid already to their loan servicer. I am so confused by this whole situation I dont know what  to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$250.00} XXXX   XXXX {$280.00} XXXX XXXX XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for investigation of a XXXX Acct XXXX # XXXX, which yXXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified one of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If they had investigated properly, rather than use your XXXX system, they would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX  ), and XXXX v. XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a {$100.00} Vanilla Gift Card on XX/XX/22 from XXXX. My son activated the card and made a purchase for {$13.00} on XXXX account. On XX/XX/22, he attempted to make another purchase and learned that card was declined. After multiple attempts to use the card, he logged into the Vanilla Account and learned that the card only had a balance of {$0.00}. There were XXXX unauthorized charges for a total amount of {$86.00} on the account from the XXXX XXXX. I called the Vanilla account and reported the fraudulent charges and was informed to file a complain with XXXX. On XX/XX/22, I submitted the complaint dispute online to XXXX and received a Ticket # XXXX. I was informed that it would take 45-90 days for an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I told XXXX XXXX I was having financial issues but I will be able to pay a large sum in a few months. I am waiting for a house to sell. They closed the account with no written warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is at least the third time that a collection company has tried to collect money saying I am in collections from a XXXX XXXX XXXX XXXX XXXX unpaid bill. I have not had XXXX XXXX in over XXXX yrs and disconnected it when I sold my home. I returned equipment per request, this was also during COVID 19 in XX/XX/XXXX. 

They have placed negative on my credit report that states overdue payment starting in XX/XX/XXXX. 
Enhanced Recovery XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Experian Information Solutions Inc.
State: AL
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:
I sent letters, along with my identification, and a Federal Trade Commission Identity Theft Affidavit to the 3 major XXXX, XXXX, and Experian on XX/XX/2018 and XX/XX/2018 asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, 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:
There is a new open XXXX  credit card in my Equifax credit report, which I don't recognize. I've reached out to XXXX  fraud department and they could find the specific card with my social.

Company response to consumer: Closed with explanation