BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: EQUIFAX, 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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 need one account validated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The below 20Hard Inquiries on my Equifax report were not authorized by me and are greatly negatively affecting my score. I have sent Certified Letters to each one and have not received responses in 60 days that these 20 were authorized inquiries. 
I would like these permanently removed from my Equifax report as soon as possible. 
Sincerely, XXXX XXXX XX/XX/XXXX 1. XXXX  - inquiry date : XX/XX/XXXX 2. XXXX XXXX XXXX : XX/XX/XXXX 3. XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX XXXX : XX/XX/XXXX 5. XXXX XXXX XXXX : XX/XX/XXXX 6. XXXX XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX. XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX  is showing XXXX late but account was never 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 2023-01-27
Company: EQUIFAX, INC.
State: WI
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:
Equifax had a XXXX XXXX a few years Back. My credit went from building up my score with a XXXX XXXX builder account. To boom a bunch of XXXX credit cards taken out in my name. I dispute the inaccurate information on my reports.everything was going good until Equifax got hacked and a bunch of us got hacke d and now my credit is back to XXXX seriously. 
Equifax needs to fix all of this instead of just giving me XXXX on a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called this company and email them about three to a month ago letting them know that I was impacted it by COVID 19 and my XXXX  was not generating revenue. They asked me to have a payment plan, which was not a choice because of no income. Now they are reporting me 30 days with the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
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: Public record information inaccurate

Complaint:
On XXXX XXXX, 2016, a dismissed bankruptcy Ref # XXXX was added to my reports. which I never filed. There was never any dollar amount added, I 've reached out to the credit agencies many times. So far XXXX was the only CR agency to removed it, the incorrect bankruptcy still remain on Equifax and XXXX. This inaccuracy has damage my life with obtaining credit cards, housing and financial aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS 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 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Ive mailed off a certified dispute letter AND THE CREDIT REPORTING AGENCIES HAVE YET TO CORRESPOND WITH ME, IN ADDITION THEY FAILED TO NOTIFY ME WITHIN 14 DAYS THAT THEY RECIEVED MY DISPUTE.THIS IS A VIOLATION OF THE FCRA AND NEEDS TO BE CORRECTED AND THE CONSUMER LAWS UPHELD

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 2017-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have negative information from the credit reporting agency XXXX. I have disputed this Portfolio Recovery Associates account # XXXX since XXXX XXXX. I have sent them a copy of their letter with the payoff showing XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
XXXX XXXX XXXX Last reported XX/XX/2023 AMOUNT : {$6200.00} 15.U.C.168I THIS FRAUD ACCOUNT SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX OR XXXX XXXX XXXX NOT AUTHORIZE TO PUT THIS FRAUD ACCOUNT IN TO MY CREDIT REPORT WITHOUT MY KNOWLEDGE. 

DELETE THIS INACCURATE COLLECTION ACCOUNT FROM MY CREDIT REPORT BY LAW.

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 2018-07-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
I had a XXXX balance on my Chase Freedom visa card. I inadvertantly made a {$1000.00} payment to my Chase card rather than my credit union card. A couple of days later when reviewing my online bill-payer, I realized what I had mistakenly done and called Chase. My balance was a {$1000.00} credit, so on XX/XX/2018, I called a customer service rep and explained the situation. They said that a refund check would be issued and I would receive it in 7 to 10 days. I did not receive a check. I called back and they said they would reissue the check. I still never recieved a check. Chase and I repeated this song and dance routine 5 times. Last week the representative said to call back today, Tuesday, XX/XX/2018, and if check still did not arrive, they would reissue another check or recredit the {$1000.00} to the card within 3 to 5 days and I could use the card until the {$1000.00} is spent down. So, of course, check did not arrive, so I called to customer representative supervisor XXXX XXXX. ( only identification he would give me ). I asked for the amount to be re-credited to the card. He said he couldn't do that, he could only issue another check. I said no, you never send checks. I want my card recredited like the rep told me last week. he said no. I said I will go down to the local branch of Chase and they can issue me a cashiers check. He said they can't do that. I asked to give me a tracking # when they mail the check. He said they can't do that. So here I sit with the promise from Chase that my overpayment check will really be mailed this time and should arrive around XX/XX/XXXX. That will be about 70 days since I first contacted them and 7 to 8 phone calls promising to send me my refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
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: Account status incorrect

Complaint:
XXXX XXXX and I have agreed to a payment plan to pay off my account balance. Ive been making the payment on time and as agreed. The account is closed. XXXX XXXX is reporting my account late for the past three months, XXXX XXXX isncollecting payments and still reporting the ring information. When confronted hey said they will keep reporting my account late or delinquent until their system catches up and from there on they will report my payments on time regardless of meaking payments. So they will keep reporting late even though Im paying on time. They are also reporting my account open when the account had been closed for several months. They closed it.

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 2023-05-12
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX Received a statement from Comenity-XXXX, promotional balance deferred interest issue. Retailer applied a statement due that that is different than the promotional end date ( last statement due XXXX and promotional end date, XXXX ), making the consumer to have to pay additional interest of {$850.00} at an interest rate of 29.99 %. Interest calculation is very disingenuous and predatory. Having to make this additional payment for interest that is supposed to be 0 % promotional after all payments were made on time and in full within the due date of the statement is totally a sham or very devious. Retailer is unwilling to correct this issue or provide a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Oklahoma Student Loan Authority
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Some one has got several students t loans in my name. I was XXXX during moat of them most are loans from the okla student loan Auth. There are some other private companies as well XX/XX/XXXX - {$650.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$640.00} XX/XX/XXXX - {$330.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$370.00} They're ruining my credit. I've already filed with the federal trade commission and made a police report back in XXXX when I got out of prison but nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Resurgent Capital Services L.P.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reached out to this company to advise them that this account is invalid it was previously being reported by a company called XXXX XXXX. I disputed the debt because it does not belong to me. All 3 credit bureaus removed the account because it could not be verified. This company XXXX XXXX XXXX now has replaced the same invalid account on my credit profile. This account should be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Alliance CAS, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We had a death and change of address in the family where we did not know an HOA changed, we had auto payments going to the wrong address which I provided a death certificate and proof. Once we found out it was too late and the HOA payments went to collections. I engaged with the collections agency and told them what happened but they would not accept my offer to pay the due fees and insisted on exorbitant legal fees. They never were in contact with anyone so why would they go in this direction. They won't accept my fair offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, 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:
I was pre qualified for a Kohl 's charge card and the application said it would not effect my credit score. I checked today and found a hard inquiry on my credit score. Called Kohl 's and told them I was not happy about this and to cancel my application and remove the hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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  has incorrect information on my report. i have contacted them via / phone and email with no cooperation. The incorrect info belongs to someone else with a similar name. the following info must be removed within 30 days ... DELETE ALL THE FOLLOWING ITEMS I have never had a " CAPITAL ONE ''  card XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Colony Brands, 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:
XXXX  retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, XXXX and XXXX. XXXX should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. XXXX  should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was notified that a collection had been placed on my account. Upon review, I saw that the collection was placed by XXXX XXXX in the amount of {$5.00} for a medical bill from XXXX XXXX. I immediately contacted XXXX XXXX and the representative informed me that the collection was for medical services provided on XX/XX/XXXX. I informed the representative that this bill had been paid and that I had 100 % coverage through Medi-Cal for the entire year of XXXX, and that I confirmed with a county Medi-Cal services representative that all medical bills during that period were covered and should not be billed to me. However, the XXXX XXXX representative continued to pressure me for payment and informed me that this debt would remain on my credit report, despite it being paid. Additionally, the XXXX XXXX representative informed me that they were billing me a total of {$340.00} for medical debts incurred by other members of my family. I informed the representative that these debts were also covered and paid by Medi-Cal, yet she continued to pressure me for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I attempted to order credit reports online. That failed indicating that they could not fulfill the request online. 

They gave a phone number. I called the phone number. Three times in a row, I was in a phone tree, and then a brief phone queue, and the facility reported that the call could not be completed and I should call back again.

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