BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2023-11-21
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have transfers from card XXXX XXXX XXXX XXXX dollars i never had a card ending in XXXX ever my credit builder XXXX an check card XXXX only. Ones i had i want my money back along with with drawls that never happend an all these reaccurring XXXX cent atm fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Upgrade, 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 XX/XX/, I noticed my Upgrade card was missing from my wallet and I immediately called XXXX to report it lost. XXXX checked for fraudulent charges and found 5 charges I did not make or authorize. I have provided everything XXXX wanted and they have still denied my case. A police report was filed. I will not pay for charges that I did not make or authorize. I reported the card lost within 60 days and I am protected by the Fair Credit Billing Act. I will also file a complaint with the Federal Trade Commission and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from XXXX dated XX/XX/2020. Then i received an notification from XXXX  stating that a collection account has been added to my credit report and this dropped my score 13 points. I have no contract with XXXX  or Jefferson Capital Systems LLC. I have never received any correspondence prior to this date allowing me to request validation of debt or giving me the ability to dispute this account. I want this account removed immediately and validation of debt from XXXX ( Jefferson Capital Systems ). I have never signed a contract with this company or have any knowledge of this debt from them. Please remove the account from all three credit reports within 30 days and send an updated copy of my credit reports showing this immediate change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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 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! 


I am very disappointed. Please remove this fraud accounts right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
so I disputed a bankruptcy after allot of back and forth lexis Nexis agreed with me that it should be deleted this was over 2 weeks ago and they have not updated any of the bureaus I have called several times and they each keep telling me to call each other lexis Nexis is saying call the bureaus they will update and the bureaus are saying call lexis Nexis. I keep getting the runaround and I am the one suffering from this still on my credit I just want it off asap. they both already have said it would have been off already it has not I just want this updated and removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Viewed my credit file with Experian on XX/XX/19 in reference to XXXX XXXX XXXX and is showing incomplete/missing account number.

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 2021-01-21
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase at XXXX XXXX on XX/XX/2020 in the amount of {$3700.00} and put it on the store credit card. After my purchase for about 1 month I did not receive a statement or a Store card in mail. I contacted the company that provides the Financing for Comenity bank that I had not received my statement and Credit card in mail. I was informed by the Customer Service Rep that the statement is in the mail. After the 2nd month I contacted Comenity bank again that I had not received the Credit Card or the statement in mail. At that time they verified my Home Address and indicated to me that they did not have my correct address on file. They had a completely wrong address on file, that I did not provide. So my statements and my credit card was sent to wrong address. They corrected the information, and since my account was past due took a payment from me and removed the late fee as it was their fault. My account was brought up to date until my next payment would be due on XXXX XXXX. 

I was also walked through accessing the account online and I was able to setup an automatic payment that would get taken out from my Checking Account. On XX/XX/XXXX, I received a letter from Comenity bank indicating that my automatic payment was cancelled. The letter did not indicate why it was cancelled. When I logged into the account online, I did not see the account that I had setup and also my account was showing past due and I was once again assessed a late fee. 

I setup Automatic payments again for the next payment cycle and went ahead and made a payment online to bring my account current. I contacted Comenity bank disputing the Late Fee, indicating to them that I had setup an automatic payment and I am not sure why it was removed and cancelled and why I am being charged a late fee and would like the late fee removed. The rep and his manager told me that they could not take off the late fee because they can only take 1 late fee off in 18 months. 

The first late fee was taken out because it was clearly an error on the Credit card company side. It seems to me that Comenity bank is making a revenue stream by removing a customer 's automatic payment information and then charging them a late fee. They have no system in place to verify that the automatic payment information is correct and they do not notify the customer if the information does not verify, they simply charge their customer who may have entered their information in good faith. I do believe this is very misleading and hurts many consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: MI
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
To whom It may concern I am filing this complaint against the credit bureau Experian. My complaint consists of Experian not properly investigating and reporting the XXXX XXXX that is currently reporting a {$4900.00} balance on my Experian credit report. The company XXXX XXXX, which is located at XXXX XXXX XXXX XXXX, XXXX IL XXXX, and contact number ( XXXX ) XXXX-XXXX. According to XXXX XXXX they sold this account to an unknown collection agency over four years ago in XXXX, but they are currently reporting the information to XXXX, and Experian as an open account which is Illegal. I contact XXXX XXXX on XX/XX/XXXX, by phone and asked the representative who I spoke to give me the collection agency information in reference to get this account resolved, and the representative decline to give me the current collection agency any information about this account. I disclosed to the XXXX XXXX rep. that this information is repeatedly reporting on my XXXX and Experian personal credit file, and I have the right to request this information, then the XXXX XXXX rep hung up. I contacted Experian numerous of times about this XXXX XXXX account that is illegally being reported on my Experian report. Experian response was that they investigated the dispute for the account, and they determined that the information is accurate. Experian is being misleading and untruthful, again this account was sold by XXXX XXXX to an unknow collection in XXXX, with being said it is illegal for XXXX XXXX to continue to report this account to Experian or any other credit bureau. Experian need to remove this XXXX XXXX account from my credit file.

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 2023-02-16
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-03
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-01-29
Company: Experian Information Solutions 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:
Its been XXXX since XXXX XXXX deleted a trade line on my credit report. I have submitted multiple disputes for the trade-line to be removed and Experian continuously verifying account meaning no investigation was done on the first place. Fair Debt Collection Practices Act FDCPA XXXX [ XXXX XXXX XXXX ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the unconfirmed tradeline. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation XXXX. Negligent Enablement of XXXX XXXX XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of XXXX XXXX XXXX et seg, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. something de done Please Note : This notice is an attempt to correct your records, and any information received from you will collected as evidence should any further action be necessary. This is a request for information only, not a statement, election, or waiver of status. 

Attached is documentation from XXXX XXXX XXXX  stating account had been deleted but upon checking on report, account ( tradeline ) is still active on credit report. DELETE THIS UNCONFIRMED ACCOUNT 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 2021-01-21
Company: Experian Information Solutions Inc.
State: UT
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:
In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, XXXX XXXX has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither XXXX XXXX, nor the credit reporting agencies have corrected the issue. I am showing 34 past due payments, and none of them were ever past due. I have fought with this company for the past 4 years.

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 2019-09-19
Company: LEXISNEXIS
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:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/21, I contacted Portfolio Recovery to inquire about a collection for XXXX XXXX reporting to all 3 major credit bureaus in the amount of {$1200.00}. I spoke to 2 representatives and a supervisor who all stated that they could find NO record of the collection in their office. They stated that since they could find no record, they couldn't do anything about it. 

I am currently in the processing of loan approval and having this collection on my reports is not only hurting my scores, but also the history of my reports. I have included screenshots of the erroneous reporting and their contact information listed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This account and inquiry are not mine they was made without my permission, consent. Inquiry and account. Bank Of America Inquiry : XX/XX/XXXX, XXXX is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately 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 explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ; the following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. Subsection 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.

15 U.S.C. 1681 Section 604 A. SubSection 2- a consumer reporting agency can only furnish an account in accordance with the written instructions of the consumer to whom it relates.

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 2023-01-26
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I requested the bank to investigate a vendor luka lah with XXXXXXXX XXXX XXXX XXXX formed in Wyoming. I paid for services and contract submitted payment and was scammed. I reached out to Ally bank by phone and emails multiple times trying to get a claim field and no answer yet. There is XXXX that I need to dispute and the vendor took the money and ran XX/XX/2022. Transaction amount {$4700.00}, XX/XX/2022 transaction amount {$10000.00}, final transaction was not wire but XXXX with the same bank. The vendor broke contract and ally said they would reach out in 1 to 2 business days its been almost 2 months since the initial contact

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