BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
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: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Amex suspended XXXX of my credit cards, around 2 months ago, for financial review. I sent them 3 years of taxes. They have not provided an update or restored my cards. They remain suspended and I have no idea what the status of the review is. There are XXXX household members who also have Amex cards, but because they earn a higher income than me, Amex treats them more favorably and does not subject them to the same scrutiny and restrictions. Amex has conducted multiple financial reviews of my cards since the first time I became a customer, and I pass each one with flying colors because I have always had income and a stable job, income that only increases each year, I have never missed a payment or had any unsatisfactory record with Amex, but they don't care about that, they just care about making my life difficult while I am in the middle of travels and taking care of my health so I can work and pay their bills. Not sure why they are doing this, maybe because I am of Armenian ancestry, they flag my account all the time despite not having any reason to do so. What are they looking for for so long and so closely? Is it lying around someone's desk gathering dust, or is someone actually reviewing everything? Are they just trying to find a reason to penalize me and are unable to because there is nothing to penalize? It seems discriminatory to me. I would not be surprised if suddenly they responded with a status, and then closed my accounts anyway to retaliate against me for making this complaint. I just want to continue making my payments as I have done more more than half a decade, and use whatever available credit there is on my cards responsibly. Gas is XXXX dollars a gallon, and I take public transportation and walk where I can. I am doing everything I can to live and survive, while the pandemic is ongoing, while I have had to relocate due to XXXX  XXXX perpetrated by the Amex customers from my household, and while I have to work remotely while my work office is closed for over 2 years now through the pandemic. What more do these companies want from me. I am giving them my whole paycheck just to live. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2023-06-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have not been able to login to my Experian account. I have been trying since early XX/XX/XXXX / In early XX/XX/XXXX, I attempted to login to my Experian account which I froze in XXXX after a credit tracking company data breach. ( I have the letter from Experian stating the account is frozen. ) The webpage did not recognize my password. When I tried to reset, the webpage did not recognize any data including my email or SSN/birth date combination which has not changed in XXXX  years. 

I attempted logging in several times. I logged out and back in to reset. I turned off the computer VPN. I tried all data at least three time and checked for errors. I tried to resolve using provided phone numbers. The phone automation kept redirecting me back to the pages that refused all data. I then tried emails on XX/XX/XXXX and XX/XX/XXXX. Their reply email string stated they did not recognize my data, to use the number I could get by logging into my account and sent me to another phone number whose automated line directed me back to the email account. I sent a letter on XX/XX/XXXX with all the data they required such as address, current license and insurance. My reply back was like the email. I resent a letter in XXXX after their reply that did not help. I stated would contact consumer bureaus but did not. 

Through all of this I only want to talk to a person not automation and determine why I can not get into my account. I gave up. I decided to take the time to contact you this year when I could not unfreeze my account to free up my credit for a purchase. Before contacting you today XX/XX/XXXX, I tried to login and reset my password and use the customer number. I was not able to reach anyone. 

I do have an account as I have a letter from Experian concerning the account and freeze status from XXXX. 

I find it amazing that an agency that collects critical data on me without my consent to use as they see fit and provide to strangers upon request, can not be contacted to solve a problem. 

I attached XXXX letters to Experian. The second has the same date as the first likely because I was too steamed to proofread it closely. 

I still just want to talk to a representative instead of automation to determine why I can not access my account and fix it for future credit freezes/ unfreezes. 

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 2021-05-05
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am a XXXX  credit card that declines my poaches whenever they feel like it I have reached out movies times to customer service Web and manager with no spin nation I should be able to use my card that I am paying interest in payments on without being declined and not given a reason for being declined this has been a huge inconvenience for me my family have never been late on any payments I am angered standings And I am not receiving the help or answers that I should be from a credit card company reached out to pre approved down to me Baby put an accurate information as well I pay the invoice before the due date and data summit that payment into after I believe that this is a way of XXXX gaining interest on purchases have been paid for already Credit card companies times and sensitive to the needs of the people only taking about the bottom line in the $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX, have come under extreme scrutiny for the false representation of a XXXX  account # XXXX. Not only were my rights to privacy breached these consumer credit reporting agencies XXXX and Experian exploited my character and have furnished incorrect and inaccurate information on my consumer credit reports. Not only that, I will attach proof that the account under the creditor XXXX  has not been validated as stated in the response from the company themselves! I have been disputing this account since last year and it has come to my conclusion that these companies think they are just above the law in which I need to just take them to federal court and file a lawsuit. Please see the attached documentation pertaining up to this point before we are onto the next step in federal court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
Theres a fraudulent account named : XXXX XXXX  showing on my credit report and its affecting me to buy a home

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 2019-04-09
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a mortgage with XXXX and in XXXX my mortgage was transferred to Ocwen. I reviewed my credit report from XXXX in XX/XX/XXXX to discover that the XXXX Mortgage was never closed and there was a balance of {$470000.00}. However, my mortgage with Ocwen is XXXX. 

I believe that since XXXX this has been affected my credit score because the amount owed was reporting this total balance of {$770000.00}. I want to let others know that if you are not careful - you need to careful with mortgage companies. I believe this has impacted my financial wealth. I was not able to get credit in terms of a loan an credit report. I stopped applying because I was getting declined and felt embarrassed. 

I reached to Ocwen regarding this experience and they replied that they had insufficient information to remove this from my credit report. I moved on by contacting the credit agencies directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Jonathan Neil & Associates, Inc
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2021, I gave my XXXX XXXX to my partner 's brother. The title and registration were transferred to my partner 's brother in his home state. Later, my partner 's brother got into an accident and a file was claimed. I have confirmed with the XXXX that the XXXX was not in my name at the time of the accident. The XXXX was never, at any point, registered under my partner 's name. Since then, my partner has been sent to collections and he has been sent threating letters from Jonathan Neil & Associates claiming they will attempt to have his license suspended. We contacted XXXX XXXX from Neil & Associates, but he attempted to place the onus on us to ensure my partner 's brother pays his debts. He blatantly stated that there was no point in us calling and did not state that his firm would stop pursuing legal action. We have contacted our own insurance company, the insurance company used by my partner 's brother, and the insurance company of the person who filed the claim against my partner 's brother. None of this has resulted in any action by Neil & Associates or the credit collections agency to resolve the claim. 

Claim : XXXX Complaint ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you to request that you verify and correct some of the negative items that I have found on my credit report. I have identified several accounts and personal information that I believe are either incorrect or questionable. 

Firstly, I am concerned about the account with XXXX, account number XXXX. I request that you verify the payment status, balance, payment history, comments, and account number associated with this account, as I believe they might be incorrect. Please correct or delete any incorrect information from this account. 

Secondly, I am questioning the validity of the XXXX XXXX XXXX account, with account number XXXX. I am uncertain about the name and number associated with this account. Therefore, I request that you clarify this information or delete the account immediately from my credit report. 

Similarly, the account with XXXX XXXX, account number XXXX, also has a questionable name and number. I request that you clarify this information or delete the account from my credit report. 

Additionally, I have found some personal information that is incorrect. The account number associated with the address at XXXX XXXX XXXX XXXX, AL XXXX is not correct. Please delete this address immediately from my report. 

Similarly, the account number associated with the address at XXXX XXXX XXXX XXXX, FL XXXX is also not correct. Please delete this address immediately from my report. 

Furthermore, the account with XXXX XXXX is not my employer. Please delete this information immediately from my report. 

Finally, the account with XXXX  is also not my employer. Please delete this information immediately from my report. 

Thank you for your attention to this matter. I hope that you will be able to make the necessary corrections to my credit report as soon as possible. 

Sincerely, 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 2022-04-15
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-10
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
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: Personal information incorrect

Complaint:
Hello I checked my credit report and there are several wrong addresses on the credit report XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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: Account status incorrect

Complaint:
XXXX XXXX is reporting an invalid collection they apparently bought from XXXX. 
Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.

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