BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
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:
I had a medical bill from XXXX XXXX center for {$150.00}. I had paid this bill already, but it showed up on my credit report as a collection. After arguing back and forth and not being able to find record of the payment, I paid it again but they refused to remove it from my report and changed the status from a collection to a late pay! XXXX XXXXXXXX XXXX is how its listed on my credit report. I called Experian and told them to remove the entry and they said they could not because XXXX and XXXX XXXXXXXX XXXX  both had it coded as something other than a XXXX ( XXXX  ). 

I called XXXX several times and they promised to return my call ( s ) and never did. 
This has been going on for nearly an entire year! consequently, I've been denied credit on several occasions due to this issue. I would like resolution ASAP. 

THANK YOU

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 2023-12-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested a XXXX form from XXXX  XXXX in regards to a charged off account, I was sent the form that had the balance information reflecting the total amount of debt that was canceled. On this form however the amount that was written off does not reflect the same amount that is showing on my credit report. XXXX XXXX states {$1800.00} was the amount charged off, however on my credit report it is showing that the amount charged off was {$10.00}, XXXX. This is inaccurate and must be removed from my credit report ASAP, not only are the amounts different but when I went to dispute this with the credit bureau Experian they stated that the XXXX  XXXX account number and the account number written on the 1099C form are different. So with that being said either XXXX XXXX did not send the correct 1099C form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. This account is being reported in error and must be removed from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One has been collecting payment of {$50.00} monthly on the XXXX of every month since XX/XX/XXXX. Currently, they had this charged off as of XXXX, however they recently updated their records stating that it was newly charged off as of XX/XX/XXXX. Capital One has refused to state that I am making 'payments as agreed upon ' and have informed me that they do not have to report any payments or correct the status of the account. This is false statements that are being made on my credit report and damaging my credit reputation. False statements are unlawful and as a consumer I am protected from FTC 15 USC 45b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XXXX XXXX, XXXX Chase Bank froze my checking account, with a balance of several XXXX dollars. They did not notify me when it was frozen, I found out when my debit card ceased to work. I immediately contacted customer service by telephone, and I was informed that my account was frozen due to a XXXX payment I received on XXXX XXXX, XXXX in the amount of {$830.00}. This payment was sent to me by XXXX XXXX XXXX in payment for an aircraft part. Mr. XXXX apparently told Chase Bank that this was fraud, and he had not authorized the transaction, when in fact I have multiple emails from Mr. XXXX proving he authorized the transaction. I went into my local Chase branch and spoke with the manager, XXXX XXXX. I showed him the email chain of my communications with Mr. XXXX whereby he ordered the part from me, and offered to pay via XXXX. I also provided the USPS tracking number which showed the item had been delivered to Mr. XXXX 's address. I explained that there was no fraud, and that I have had the account open for almost a decade, and Chase was being unreasonable to freeze my entire account balance over this XXXX payment. The manager, Mr. XXXX, agreed that it made no sense that my account was frozen, and agreed to bring the matter to the attention of a regional vice president. He made copies of all the documents I provided, and he assured me I would hear back from someone within 2-3 business days. As of today, XXXX XXXX, XXXX, a full week later, I've heard nothing from Mr. XXXX or Chase Bank, and my account remains frozen. In this time, I've missed a credit card payment that was set to auto-pay from this account, and my personal check to pay my XXXX property taxes has not been cleared, both of which will result in late fees and penalties. At this point Chase has frozen my account for over two weeks, causing me financial stress, and damaging my credit rating. I demand that Chase Bank un-freeze my account, and reimburse me for any late fees, penalties, or other charges that result from their action of freezing my account. I also demand that Chase Bank repair any damage done to my credit by their unilateral actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My monthly XXXX bill was {$10.00} every month until they put me on a new plan without my permission in XX/XX/XXXX. That new plan was {$50.00}. I had auto pay on my account so they took my money. I canceled my service, and they refused to send me a refund so I disputed the charge. They gave me a XXXX cent courtesy credit so they want {$50.00}. I received a letter from a collection agency today XX/XX/XXXX. {$50.00} is what the collection agency is going after. That was resolved with the debt collection agency XXXX months ago. Now I'm being harassed by a second debt collection agency for the same amount which was previously resolved.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: OH
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 this creditor has violated my rights. Under 15 usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments discussed with company that were supposed to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: FL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi, I opened a Citibank checking account and did not receive my sign-up bonus after meeting their requirements. Here is a series of events : - Signed up on XX/XX/XXXX - Funded account with {$75000.00} before XX/XX/XXXX - Did not touch funds until XX/XX/XXXX ( and still haven't touched funds )- Have not received the {$1000.00} sign up bonus for meeting requirements ( see attached for promotion ) - Raised this on XX/XX/XXXX online and over two phone calls and was told that I needed to submit identity verification via IRS form ( sent the form the day after and was told it would take two weeks to process ) - Received code XXXX XXXX XXXX XXXX XXXX after calling in again and was told " they are working on it '' and I should have the bonus by XX/XX/XXXX - Did not see the bonus hit the account on XX/XX/XXXX and called in. I was told that it would take another week. Have received nothing yet. 

I was told numerous times that I would receive email communications with updates and I have never received these emails. This is getting pushed down the road and quite frankly I do not believe anything they are saying. 

Best, 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 monetary relief
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the Following items ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} US DEPT. OF EDUCATIO XXXX Opened XXXX XXXX, XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$1700.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$8500.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$4200.00} US DEPARTMENT OF EDU XXXX Opened XXXX. XXXX, XXXX Balance {$2000.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$960.00} US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, XXXX Balance {$4200.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$100.00} XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX Inquiry : JXXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRUIST FINANCIAL CORPORATION
State: PA
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 put in a dispute for a loan that is not mine and thats shown on my credit report that shouldnt be on my credit from ( Sheffield Financial ) on XX/XX/XXXX to all 3 credit bureaus. The account belongs to my father who has the same name, the Loan is under his business ( XXXX XXXX XXXX ) which I have nothing to do with, under his address, and his phone number. I never signed anything for the loan, never gave an id and the loan company isnt doing anything to correct this and neither is the credit bureau. For some reason my Social was somehow used for the loan but me and my father have been trying to get it in the correct name aka his name and the correct account and off of my credit since I have nothing to do with this loan as it is incorrectly reported and affecting my credit. The financial loan company has incorrectly put a loan in my name that needs to be removed as soon as possible as I never authorized anything and it is not my business, or have anything to do with me. The account needs to be put in his name and off of mine. My father even sent an email to the companys dispute department explaining that its his loan and should not be in my name and they still havent done anything about it. Its been over a month and nothing has been addressed as this loan is false reporting and fraud on the creditors end since I did not have any knowledge, sign, or give any of my 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-07-13
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: MA
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:
Identity theft and XXXX  trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. Contacted XXXX  and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
Per FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and non-verbal per 15 USC 6802.

In accordance with the Fair Credit Reporting act. The List of accounts and addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ( AN ( 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 non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, TRANSUNION, XXXX is breaking the consumer law pertaining to : XXXX XXXX Ive uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX CARD HOLDER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted an application for a business line of credit with XXXX XXXX. However, the approval process was temporarily suspended due to the presence of an outstanding judgment dated XX/XX/XXXX. It is essential to note that my business was officially incorporated on XX/XX/XXXX, and subsequently granted an XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. XXXX XXXX has been duly furnished with the aforementioned documentary evidence. 

Regrettably, despite the incontrovertible evidence presented, XXXX XXXX has expressed reluctance in acknowledging the evident reporting inaccuracy. I have communicated to XXXX XXXX the implausibility of a five-year charge on my business account, given the company 's recent establishment, spanning only a few months. 

In response, XXXX XXXX advised me to initiate contact with Equifax Small Business Solutions, the credit reporting agency involved. However, my interactions with Equifax have been marked by a notable reluctance to provide meaningful assistance. Rather than effectively addressing the underlying issue, I have been subjected to a protracted and fragmented procedure, deviating from the expeditious resolution of the matter at hand. 

In light of the aforementioned circumstances, I wish to express my serious concerns regarding the handling of this matter by both XXXX XXXX and Equifax Small Business Solutions. I seek a prompt and equitable resolution to rectify this credit reporting inaccuracy, which has adverse implications for my business.

Company response to consumer: Closed with non-monetary relief