BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
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: Information belongs to someone else

Complaint:
. I am writing to dispute and address the inclusion of incorrect information in my credit report, which I have previously contacted Experian about on multiple occasions. Furthermore, I have reason to believe that Experian has violated my rights under the Fair Credit Reporting Act ( FCRA ) in handling this matter.

Additionally, I am concerned that Experians handling of my dispute may have violated my rights as a consumer under the FCRA. I believe that Experian has failed to conduct a reasonable investigation into my dispute and has neglected its responsibility to ensure the accuracy of the information it reports. These alleged violations not only undermine my confidence in Experians commitment to protecting consumer rights but also have significant implications for my financial well-being and future opportunities.

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 2022-02-24
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: Investigation took more than 30 days

Complaint:
I filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation result. I have sent the letter to them over 30 days ago regarding the incorrect items on my report. 

Please see attached documents.

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 2023-03-01
Company: ROBINHOOD MARKETS INC.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This occurred over two years ago when my ex-husband, XXXX XXXX XXXX, XXXX came to visit our son. I had left my smartphone in the room where they were visiting and thought nothing of it. What he did was he downloaded TRADING APP which is entitled ROBINHOOD. He used the routing and account number listed on the bottom of an old, cleared check he still had of mine to LINK my checking account to this trading app, and then he DELETED the app from my device. 
The only way I learned that this was done was when I received an email from ROBINHOOD letting me know that the {$4.00} that had been sent to them from my checking account had cleared and I could begin TRADING on their app. 
I tried to contact the app, but they kept stating that if a person needed to contact them they would need to login to their ROBINHOOD account, and the person in need of assistance could get it this way. I never opened any account with them, and I certainly wasn't going to re-download this app, and change the password when it was someone else trying to damage my bank account by doing this to me in the first place. 
So what I was forced to do was go to my bank and close out my checking account. Since that time my funds have not been tampered with, but this app continued to email me concerning the account linked to my OLD XXXX ID. I blocked them from the email account, and eventually had to close the email account altogether. 
Fast forward around 6 to 8 months, after I relocated and started all over again with a new bank account and a new smartphone with a totally new XXXX ID, and I even relocated to a new apartment when ROBINHOOD then began sending me physical mail! 
This was due to a {$4.00} XXXX  and XXXX XXXX  transfer from a closed checking account which was in my name, and that was the first and last time which the app had any information about me, personally. The XXXX XXXX  was chalked up by me as a loss, as I have zero knowledge about stocks or trading. And, I have never wished to learn, so I refused to acknowledge them. 
Now they are sending me physical mail which include threats about fining me for making them send paper mail to me because they have no way of sending me further emails. 
I feel very threatened by all of this. My ex-husband is who stole my IDENTITY in both XXXX and XXXX. I don't know how to contact him now, but I want this ridiculous APP to leave me alone!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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:
On XX/XX/2021, Experian added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Experian has violated my right as a consumer and I am requesting legal action to remove this 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 2019-09-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX, my social security number is XXXX, my address is XXXX XXXX XXXX XXXX Oh XXXX. I requested a copy of my report and I am verifying my identity. Please remove any and all security freeze or blocks from my file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  XXXX CREDIT HAS REPORTED LATES ON XX/XX/XXXX AND XX/XX/XXXX. I HAVE CONTACTED THEM TO PROVIDE PROOF OF THE INCORRECT INFORMATION, BUT THEY HAVE NOT RESPONDED AND CONTINUE THE INCORRECT REPORTING.

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 2018-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello Dear CFPB I applied Chase XXXX XXXX Credit Card and my application was denied and i think its very unfair and wrong decision .I got phone call from XXXX supervisor she told me i have too many cards open and i handled my credit too well and i do not see any negative information on your credit and thats why i will turn down this application. 
basically i was told to not handle my credit as well as i was handling and thus they will denied my credit card application. Also XXXX mentioned i am not utilizing my available credit which is not accurate because i just paid off my Chase XXXX Credit Card which was more then {$4000.00} balance. Please reevaluate my application and make fair decision. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX activity has occurred on my account from a company I have never done business with, XXXX for {$870.00}. I filed a dispute and Barclays has refused to reverse the charge saying the merchant has proven it was valid. IT IS NOT VALID. I have asked for proof showing it was valid and they have failed to show me this proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi; I opened a dispute with my bank trough CFPB under this claim number : XXXX They respond that will open the dispute and give a temporary credit, until now I dont have that temporary credit and also I dont have any letter from the bank of the status of the claim. 
Attached goes the letter from the bank of the original claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16
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: Account information incorrect

Complaint:
XXXX XXXX XXXX CREDIT HAS REPORTED LATES ON XX/XX/XXXX AND XX/XX/XXXX. I HAVE CONTACTED THEM TO PROVIDE PROOF OF THE INCORRECT INFORMATION, BUT THEY HAVE NOT RESPONDED AND CONTINUE THE INCORRECT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: ID Analytics, 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:
So, over the last 6-12 months, I have been active in disputing XXXX XXXX  Account # XXXX XXXX  Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 

XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 

Also, XXXX : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. 

XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NC
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 am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request an investigation into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed information within 30 days of receiving a consumer dispute. I kindly request that you initiate an investigation into the inaccuracies I have identified and inform me of the results upon completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Bread Financial Holdings, Inc.
State: IL
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:
We received this credit card when we went to purchase our car in XXXX of XXXX. It is through Comenity Capital Bank and XXXX XXXX XXXX. It was a promotional deal for a downpayment. 

On XX/XX/XXXX I set up our payment method as our bank account and set the automatic payment date to be the date of the first payment due, XX/XX/XXXX. 

On XX/XX/XXXX I realized I was never charged. I went to my email to check to see if I received a notification of an error. There was nothing. 

I logged onto the account and saw no notifications of any kind. So I went in to the bank account information to double check everything was correct. It was. So I set up a new payment to go through on XX/XX/XXXX. 

That payment went through. When I logged in again to view the first statement I saw a {$28.00} fee for " Returned Payment ''. I was confused and reached out to support to ask why I was charged this fee. They informed me that I had cancelled a payment which incurred a fee. I explained to them that I never cancelled a payment and that I contacted my bank to see if they had returned a charge and they informed me that they saw no charge on my account except for the charge on XX/XX/XXXX. 

So I responded and told them it must have been an error with their system. Their response was to tell me my account was suspended since a payment was " returned ''. So a different response and still no refund of the fee. 

I responded to tell them I was confused as to how they were handling the situation and why, if a payment was returned or cancelled, I had not gotten any notification via email or phone. I have not received a response but I am very angry because I feel as though they are charging fees for nothing and that is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXXXXXX XXXX XXXX  Balance : - XXXX XXXX XXXXXXXX XXXX Date opened : XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : -.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2018-12-12
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from XXXX XXXX XXXX about a debt owed. I pay all my bills on time and do not owe anyone anything. I haven't called the company back as I looked online and people that did call where abused verbally. Also, from what I read online that did not stop the calls.

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 2021-02-04
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Tel : ( XXXX ) XXXX Email : XXXX JPMorgan Chase Bank, N.A. 
XXXX XXXX XXXX XXXX, DE XXXX Our Account Number : XXXX Chase Account # : XXXX Original Creditor : JPMorgan Chase Bank, Amount as Listed on Credit Report : {$2600.00} Dated : XX/XX/XXXX To Whom it May Concern : RE : Deceiving or Misleading you while trying to collect a debt. 

On or about XX/XX/XXXX, I opened a chase credit card account with a credit limit of {$4500.00}. Chase closed my account without notification or any reasons why it was closed. The account went into default there after. On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX, a Agency hired by JP Morgan Chase made contact with me regarding the account in a settlement to delete. I immediately agreed to a settlement to delete all information from all 3 major credit bureaus for {$900.00}. XXXX XXXX was hired my JP Morgan Chase to collect the debt. After the settlement was made XXXX XXXX and JP Morgan Chase refused to remove the debt from my credit file as promised. Instead they have lowered the amount and place a notification on my credit stating : Paid in settlement. {$3500.00} written off. 

Debt collectors are prohibited from deceiving or misleading you while trying to collect a debt. Debt collectors are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. 

I was deceived by XXXX XXXX and JP Morgan Chase to collect the debt. I am requesting that JP Morgan Chase either remove the account completely from all 3 major credit bureaus or refund the {$900.00} that they lied to collect. 

I have filed several disputes to JP Morgan Chase and they refused to respond to my request. 
I have attached copies of the payment receipt and copy of the settlement agreement. 

Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with explanation