BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX, Experian and XXXX are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.

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 2020-05-04
Company: Experian Information Solutions Inc.
State: AZ
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:
THERE ARE ACCOUNTS ON MY CREDIT THAT ARE NOT MINE, I HAVE SENT 5+ LETTERS TO THE BUREAUS TRYING TO GET THEM REMOVED WITH VERY LITTLE LUCK. THESE ARE THE ACCOUNTS THAT NEED TO BE BLOCKED UNDER 605B OF FCRA. 


XXXX XXXX XXXX., XXXX  XXXX XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX  XXXX., DEPT OF ED/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 explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/19, filed a dispute with Equifax regarding the XXXX XXXX payment history not reporting correctly. On XX/XX/19, Equifax sent results stating the investigation was complete and they verified with the XXXX  XXXX that the data was reporting accurately as " in deferment '' However, Equifax refuses to report those months as " current '' on my credit report. 

I called XXXX XXXX on XX/XX/19 and requested a letter that would include the payment history. I was told that the letter would take several weeks to receive. XXXX XXXX verified via phone that they submitted the data to the credit bureaus for the months that I was " in deferment '' as current. 

Equifax refuses to update my credit file. I am still awaiting the letter from XXXX   XXXX to send to the credit bureau and will forward the letter from XXXX XXXX when I receive it. If Equifax does not update my credit file, I will exercise my rights to file a law suit against the company for inaccurately reporting this account on my credit file. 

I am attaching a letter from XXXX XXXX regarding the forbearance letter stating that interest is still accruing on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am currently listed as a victim in XXXX County, Virginia Supreme Court case CL-2018-0006258 against NC Financial Solutions of Utah , LLC [ Net Credit ]. I took out a loan with them in 2019 with no clear indication of bi-weekly payments or interest accrued for the loan to find that the interest rate determined to exceed 50 %. Net Credit was aware that they were unlawfully violating the Commonwealth of Virginias Consumer Protection Act when the original loan documentation was sent to me. I was advised to halt payments until the case was settled with the Commonwealth of Virginia and Net Credit is still reporting to the credit agencies after correspondence. Net Credit managed the loan transaction to extract the maximum value for itself without regard for the borrower 's ability to repay the loan which is predatory lending and constitutes a crime against individual consumers and Virginia State Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: NY
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: Other problem getting your report or credit score

Complaint:
I requested credit from XXXX XXXX XXXX. They denied me. On their denial letter they listed Experian. 

I went to the Experian site to obtain my credit report. I tried 11 times in a row and was rejected 11 times. the site flat rejected me the first few times then it asked me to prove my identity I tried to upload my Drivers Lic. and utility bill. Experian 's site was not able to upload ~ 30kb of data. I was rejected again. 

I believe the repeated rejections are a deliberate design feature of their website to force citizens to pay to obtain their own credit information. 

I. Am. LIVID!!! I am well educated and know how to use the web. Experian ought to be pounded through a bung hole left in the barrel for a week and then drawn out through the same hole with a sharp hook! XXXX! those people are Jerks! And security concerns have ZERO to do with their designed blocking of ME from MY information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
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:
MY IDENTITY AND SOCIAL SECURITY NUMBER WAS USED THE PERSON OPEN SEVERAL CREDIT CARD ACCOUNTS USING MY PERSON INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}

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 explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, 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:
I have no other portal is get information to Equifax ... But this one. 

I read on complaint XXXX Equifax reports they have not received any additional information from me. Since Equifax does not provide a portal to submit additional information, I have the attached some additional information. 

Equifax previously reported the unauthorized inquiry by XXXX was " masked ''. Attached document shows this is untrue! 

Equifax responded to my complaint with such a garage/nonsense response! 

I emailed Equifax ... Started a dialog. When they could not deflect me ... The responses stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I didn't know if a XXXX XXXX debt on my credit report till my mortgage loan officer said I needed to pay it. I paid the debt XX/XX/XXXX of {$180.00}. I requested a letter ( per my loan officer 's request ) stating that the debt was paid in full & will be taken off my credit report. Diversified Consultants emailed me a letter stating the debt was paid but not that it will be taken off my credit report. I called and a very hateful lady answered, saying they don't take it off the report. I asked if they put it in the report & said she yes but they don't take it off. I asked who does so I could contact them since this is the ONLY thing on my report that is stopping me from being able to close on my house. She said she didn't know. I asked when will they report to the credit bureau that the debt is paid, she said 30-45 days. I said I can't wait that long but she didn't seem to care & told me the conversation was over. My complaint is that this collection agency is quick to report but after the debt is paid in full, they don't really care to help to get it off of your report. & to top that when they reported the debt my score dropped 19 points which also disqualified me for the USDA loan. This is so wrong on so many levels & someone needs to do something about it. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
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:
I keep having accounts appear on my credit report that i think are linked to my identity theft case from several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-11-28
Company: JPMORGAN CHASE & CO.
State: NY
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 purchased a Business class ticket with my Chase card for {$2800.00}. Upon checking in at the airport, I was advised the ticket was purchased with award miles, which I was not aware of. I was asked for the account holder membership number which i did not know, I contacted the travel agent that sold me the ticket and there was no reply I was not able to board the flight. I then Had to purchase a new ticket at the counter, which cost me {$4000.00}. XXXX I immediately reported the matter to Chase Card services and disputed the charge of {$2800.00}, This matter has been ongoing since XXXX XXXX, 2017. I have submitted all supporting documents to Chase, Along with supporting Documents from the Airline involved, supporting that the travel agent methods were fraudulent,. Chase has refused to remove the charges, claiming the charge is valid. I have requested that Chase provides me with, the correspondence from the merchant which they have refused. I received a letter from Chase card services stating that " Although I have a justifiable dispute '' their findings remains the same, the charges are valid. How is this a resolution? Chase has refused to protect me from a fraudulent merchant. Basically telling me as a consumer I have no rights or protection when using their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: AFNI INC.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Monday XX/XX/2020 I received a call from XXXX XXXX XXXX XXXX. I answered the phone and asked who was calling they refused to answer me and then they asked if a XXXX XXXX was available, I asked them again to inform me of who was calling and they continued to refuse to answer my question about who was calling and what this was in regards to. This is a blatant violation of the FDCPA : 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; The person who called me did not know who I was until I told him and he refused to identify himself and who he works for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
unlocking my credit removing all statements on my freeze and fraud alerts Experian has failed to honor my request

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 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 talked to Transunion credit reporting agency about getting my credit report and credit score. The agent along with his supervisor XXXX employee ID XXXX  denied me my free credit report along with my score. According to the Fair Credit Report Act a individual is suppose to be able to obtain one free report and score annually. I told them I don't have access to my old account login that hasn't been used since 2016 and they still denied me service. When I ask to speak to another supervisor and ask for a number to call he denied me

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 2020-05-04
Company: Redfin Corporation
State: FL
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I object to Reconnections On each marketing relate to unauthorized publication of personal and private information : listing details page on Redfin, Listing my home and pictures on their website. Listing address XXXX. I am the owner of my home and object that My Home is not for sale and this company advertising posting pictures of my home on their website. Making us a unwilling participation in their scam. Sensitive information have not Services offered Misled by this company Sensitive information displaying pictures of our cars in the driveway and posting the value of my home on their website. As a result strange people person contacting me. XXXX XXXX, co-founder of Redfin, has only just now made a reemergence in the media. Before starting Redfin, XXXX graduated from the University XXXX XXXX  with a XXXX  in XXXX. XXXX caught the entrepreneurial bug when he came up with the idea for Redfin with XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX, FL XXXX | Redfin Residential real estate company. Redfin is a real estate brokerage. The Seattle-based company was founded in XXXX, and went public in XXXX XXXX. XXXX XXXX is the CEO. XXXX. Headquarters : XXXX. Customer Service : XXXX Founder ( s ) : XXXX XXXX, XXXX XXXX, XXXX XXXX Founded : XXXX Employees : XXXX Stock Price : XXXX ( XXXX ) {$19.00} XXXX ( XXXX % ) Mon, XX/XX/XXXX, XXXX EDT www.redfin.com/FLXXXXXXXX is advertising my home picture on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Commonwealth Financial Systems, 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: Account status incorrect

Complaint:
Disputed reporting of two alleged adverse accounts on my credit report : Commonwealth Financial/Finance and XXXX XXXX. XXXX XXXX is reporting positively and negatively which is a clear violation of consumer rights. Have asked for validation, verification of accounts and have not heard back in over 120 days since the first correspondence. The first correspondence was in XXXX of XXXX, then again in XX/XX/XXXX, and finally in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: CA
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 a security freeze with equifax since XX/XX/XXXX.Periodically i  will call equifax to temporarily lift the freeze for a short duration. On XX/XX/XXXX approximately XXXX, I was informed by equifax that they will not be able to lift the freeze as a result of not properly answering privacy questions related to my credit report. I was told by several telephone operators, who sounded like they were from the XXXX, that i did not give the correct information. After 15 years, suddenly i can't answer any of the questions correctly? I requested to speak to the supervisor 3 times. Each time i answered the questions correctly, they would ask me an abstract question, attempting to set me up for failure. nonetheless, i have documented proof that i did answer the question correctly. I feel this agency is harassing me. I never have a problem with TransUnion or experian. The following is the list of questions and my response. 
1.what is your full name answer : XXXX XXXX XXXX 2. what is your pin number answer : ... ... XXXX 3. which of the following do you have a loan with answer : car loan XXXX XXXX XXXX XXXX car paid in full as of XX/XX/XXXX 4.have you ever filed bankruptcy and if yes, what date. 
answer : yes, XX/XX/XXXX 5. when did you first file request for credit freeze? 
answer : XX/XX/XXXX I have the letter in my hand with my pin number. 
Response from equifax : I'm sorry, but you did not answer the questions correctly, therefore your request for a security lift is denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX XXXXL XXXX {$2300.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Lending Club Corp
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and there are some accounts that I don't have any association with the accounts are fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Elevate Recoveries, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
E

VLEVATE RECOVERIES Llc MADE GAVE ME FALSE INFORMATION ABOUT A MEDICAL DEBT. THEY WERE A SCAM THEY NEVER SENT ANY VERIFICATION OF THE DEBT. THEY NEVER SEND ME THE VERICATION NEVER SENT ME A RECIPEPT FOR PAYMENT THEN AFTER I HAD MADE 2 PAYMENTS TO ELEVATE RECOVERY THEN A NEW COMPANY REPORTED THE A NEW SAME INFORMATION ON MY CREDIT REPORT WITH OUT CONTACTING ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I did not benefit from this account.

Company response to consumer: Closed with explanation