BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
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: Their investigation did not fix an error on your report

Complaint:
I called and filed a dispute on numerous occasions with XXXX, XXXX and Experian to have inquiries that I did not approved removed, and accounts that are reporting inaccurate on my credit profile and they have refused to delete these items. 

XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$420.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of Last activity, last report, and date opened was all reporting inaccurate which is a violation of the Fair Credit Reporting Act. They failed to investigate and remove the inaccuracies. 

XXXX XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$1200.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of last activity, last payment, and the date of the date opened is listed inaccurately, Also the monthly payment, credit limit, and terms are missing from the report. I ask them to delete it as they are reporting inaccurate information and they failed to do so. 

XXXX XXXX XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$840.00} dollars, he actions taken was a dispute letter was sent to the Bureaus stating that the monthly payment, terms, credit limit, past due, and the date of last payment was all missing on this account. Also, the fact that medical bills should not be reporting as it is viloation of my privacy. I have disputed this account multiple times and they have failed to remove it from my report. 

Inquires that need to be removed as I did not give any permission. 

XXXX XXXX XXXXl ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX  XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ) and XXXXl ( XX/XX/2020 ) Experian- US SM BUS ADMIN ODA- ( XX/XX/2020 and XX/XX/2020 )

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 2021-01-05
Company: Franklin Collection Service, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
franklin debt collections has posted a of {$310.00}, from XXXX XXXX XXXX, that is not mine. I don't subscribe to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2021-01-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 I received an update alert on my Experian report showing XXXX XXXX XXXX reported me 30 days past due for XX/XX/2021, which my payment was due XXXX XXXX, however I notified XXXX  on XXXX XXXX regarding I would be making a payment on XXXX XXXX, 2021. I contacted them today and inquire how I can be late 30 days its still XX/XX/2021. On XXXX XXXX, XXXX placed me on a covid relief skip payment plan for a couple of months. I attached my payment confirmation.

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 2022-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2022, Capital One closed my credit card account. They assessed a {$150.00} annual membership fee when I opened that account. They refused to refund this fee despite closing my account. I was not able to use the account despite paying this fee, so not refunding it seems like a deceptive trade practice. Additionally, as part of my signup bonus, I was promised a {$200.00} bonus if I spent {$200000.00} on the credit card. I spent {$200000.00} and Capital One did not give me the {$200.00} bonus I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: MD
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:
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

These accounts must be removed from all three credit reporting companies ( XXXX, Experian and XXXX ) for violations under the federal laws listed above. 

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 ( Charge-off ) {$48.00} These 5 accounts are charge-off - Which are being reported as debt, which is a clear violations under the federal laws listed above.

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 2021-01-15
Company: EQUIFAX, INC.
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 am victim of identity theft. Seems some accounts were opened in my name and are reporting on my credit reports. I took action by creating and submitting an identity theft report. I then submitted it to the credit bureaus and for a few months the fraudulent accounts were removed but to my dismay are now reinserted. Here are the listed account opened dates and outstanding balances 1 ) opened XX/XX/2018 ( {$11000.00} ) 2 ) ( {$21000.00} ) 3 ) opened XX/XX/2018 XXXX {$9000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I made a online purchase from Zales outlet online for two ear rings, it was set for delivery on XXXX and it never came. I called Zales and also Comenity- Zales the credit provider to inform that I never received the items. Zales online services stated that they would provide a credit for the items I didnt receive. They only issued a credit for one of the items, i called Zales again to check the status of My order and was giving a tracking # XXXX to monitor the refund for my order. I have a bill with comenity bank thats pass as of XXXX and Zales hasnt corrected the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo reported a charge off on my credit report for a car that was totaled, I had GAP insurance to cover the full amount.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a mortgage with Wells Fargo and I was foreclosed, not able to modify the mortgage to lower the payments.

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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 HAVE ASK TO HAVE THESE ACCOUNTS REMOVE BECAUSE I NEVER APPLIED FOR THEM.

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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the 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 2022-09-05
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:
CFPB + Equifax, I am writing in to update my correct address on file with Equifax and to have all other non correct addresses removed : attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots on Equifax where these are located Please have this updated as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Inquired on XX/XX/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 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is unacceptable! 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 explanation
Consumer complaint received 2021-01-15
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:
XXXX XXXX  XXXX reported a delinquent account belongs to someone who dont have social security number or driver license to credit bureaus just by name and amount he or she owed. 
Equifax filed the false account under my name and it damaged my credit. 
I was about to sign a mortgage loan then was not able to do it due to decreased credit score. 
My estimated closing date is XX/XX/2021. 
XXXX and Equifax are telling me to wait at least XXXX. 
But I dont have time to wait. 
Definitely Equifax did not check the information properly and made a mistake which caused me financial and psychological damages. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: U.S. BANCORP
State: CT
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:
XX/XX/2019 I got a letter from ELAN FINANCIAL SERVICES THAT I WAS DUE {$37.00} is owed to be after further investing my account. My card is suppose to be closed and my account closure is in pending status. I was suppose to get my check by XX/XX/19 I never got my check. I called XX/XX/19 Customer Service stated that they never mailed by check and now I have to wait 10 business days to get my check. unacceptable.

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 2023-06-06
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-23
Company: EQUIFAX, INC.
State: SC
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 FCRA, Equifax has violated my consumer rights. 

15 US Code 1681 States I have the right to privacy and that a consumer reporting agency can not furnish an account without my written permission or instructions. 

I have even requested documentation proofs ( HARD COPIES ) of my written consent and never received them, only to be sent a copy of my consumer report as they have with each complaint. 

Please see attached...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In reference to this credit report number XXXX from XXXX I try to get in contact with them to delete XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on his way in XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these charges on it come from a person with a similar name as me but I have a police report and Im uploading and I would like all the sizes and all the incorrect name so my file delete it from Trans Union XXXX and 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 2019-08-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase is holding my money in escrow from an insurance claim check. I've had an inspection and they say I'm 50 % complete with the project. Additionally, I've submitted {$75000.00} in paid receipts. 

Chase has only released {$60000.00} of the total {$170000.00} in total insurance funds ... which is 33 %. 

I've tried numerous times to get help, but they refuse to release a reasonable amount of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have communicated to OneMain Financial that I was a victim of an internet scam. My funds including my loan were stolen through the scam. I filed a report locally and federally. The scam has ruined my life financially. I am trying to catch up on my bills and other areas of obligation. They said they didnt have any resolution for me except deferring the payments temporarily. I recently received notification that my request to lower the payments permanently was denied. I can no longer afford to pay off this loan. Im aware of the negative impact it will have on my credit history. I dont have a choice as long as my case is an ongoing investigation with no guarantee my funds would be recovered. Since confirming they couldnt assist me in my unique matter, theyve begun to call me relentlessly. Today OneMain Financial crossed the line by contacting my employer. My employer is not a form nor main contact option in my profile. My employer doesnt have a direct line. All calls are directed XXXX XXXX XXXX. They proceeded to pose as a client for my employer requesting I contact them. XXXX XXXX proceeded to send a highly visible email to my location that is seen by my team that I manage revealing a client from OneMain Financial is trying to contact me. I want to cease and desist all contact with OneMain Financial. They are harassing me. Ive accepted my financial crisis and Im trying to resolve my debt in order. If my debt reaches collections then I accept. I can not afford to keep up no longer. Thats my prerogative. I do not want to be harassed or my financial strife exposed at work. I feel extremely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As per Fair Credit Reporting Act, I am entitled to see the source of the information, which is the original contract that contains my signature and proof of validated debt claims with proof that gold and or silver had been extended and or lent as per United States of America Constitution Article I Section X for the Fair Credit Reporting Act does not limit constitutional provisions. Ignorance of the law is no excuse from the law. 
Collection/Charge-off accounts need to be removed immediately because there are late payments after the account was close. 
Collection is closed ended account have late payments. This account iis in collection meaning that there shouldn't be reporting open, no limit, no past due and no payment status. 
XXXX. XXXX XXXX XXXX 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 explanation