BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: EQUIFAX, INC.
State: OR
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 recently Ordered a Copy of my credit report and noticed XXXX XXXX XXXX on the report, I do not have any recollection of this alleged Collection account or the company reporting it such I never even heard of this entity, and received no such contact regarding this alleged account i looked up their information in Oregons Secretary of States Business portal I could not find them at all which seems as if they are trying to collect a debt in a state they are not licensed in which would be unethical but not much of a surprise coming from a collection agency. 


Account number - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you in reference to updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX This is the only SSN attached to my name : My only correct date of birth is : Please remove all phone numbers on my credit report. 

Please remove all the other addresses off of my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2021-02-02
Company: EQUIFAX, 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:
I have been dealing with XXXX with incorrect reporting. I settled this account on XX/XX/XXXX for and it's paid with XXXX XXXX was I was told by XXXX XXXX that they would remove this account when the info return was updated with XXXX. 

When contacting XXXX they said again they couldn't talked to me about this account. 
I don't understand how I paid this company XXXX but I can't get any information in regards to then updated my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
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:
On XX/XX/2020, I sent Experian, XXXX, and XXXX  a letter stating that there are inaccuracies on my credit report. Ive requested these items be removed from the creditors.I am a victim of identity theft and these accounts are associated with the case. I have not heard back from them.There are Multiple Student loan accounts on my credit report that are not mine.They are required to give me a response within 30 days and they have failed to do so.

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 2020-09-07
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclay Complaint XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, I clicked on a 0 % APR offer from XX/XX/XXXX - XX/XX/XXXX. I took a screenshot of me clicking on the offer. On XX/XX/XXXX, I called Barclay customer service to make sure I was enrolled in the offer. The representative told me that I was not enrolled but she could verify that I was on the website at the date and time that I said I was on. She said she created a case number # XXXX. When I called back on XX/XX/XXXX, I was told that a decision had not been made as to whether the Company would honor the offer or not. I was also told by a manager that the case number mentioned before was submitted incorrectly. I just wanted to cancel the card after all this. The manager I spoke with on XX/XX/XXXX assured me that she would make sure I get 0 % from XX/XX/XXXX TO THE DATE THAT A DECISION WAS MADE TO HONOR. She told me she would make sure I got 0 % until somebody decided yes or no. Fast forward to XX/XX/XXXX when I call again to check the status. The customer service rep told me a decision of NO was made on XX/XX/XXXX. I never received a notification of this and then was transferred to a manager who confirmed that there is nothing showing that I was notified. I then asked him if it showed that the manager on XX/XX/XXXX told me that I would get 0 % until I was notified. He did confirm he saw that note but proceeded to tell me that he isnt sure if Barclay can actually honor that. He told me he would waive the interest for the bill due XX/XX/XXXX. But then what? I was ready to cancel my card on XX/XX/XXXX but kept it since I was assured, I would have the 0 % until a decision was made and I was notified. At an unprecedented time when people are suffering financially, other companies are providing help and giving appreciation credits. See the screenshot attached. Barclay decided to lie to me, get me to spend money based on false promises and now I am a newly single mother of XXXX XXXX  and have to deal with the immense stress this has caused me. No Company should be allowed to lie and then pull a bait and switch move like this especially at a time like this. Barclays actions are disgusting and so very unethical. I hope this can reach somebody that can look into this matter as the customer service I have received has been dreadful. The new case number for this is now : XXXX. 

Thank you, 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 2021-02-23
Company: Experian Information Solutions 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 have gotten my credit report an it has many incorrect items on it. I have contacted the credit reporting agency and requested that it validated and they should send me the information on how it was validated. They have constantly ignored my request and have yet to send me any information I asked for.

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 2021-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been dealing with XXXX XXXX XXXX with incorrect reporting for the last 3 months which has delayed my process of purchasing my home. I settled this account XX/XX/XXXX for {$4600.00}. I was told that this information would be reported in 30 days as a paid charge off so I moved my closing date on my home until XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX and they told me they had dropped the ball and this should of been updated in there system in XXXX which it was not and now they don't have a time grabs of when this information will be updated! This is a violation of my consumer right with incorrect reporting on my credit report and is negativity impacting my credit as well as could prevent me from purchasing my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: EQUIFAX, 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:
I have been dealing with XXXX XXXX XXXX with incorrect reporting for the last 3 months which has delayed my process of purchasing my home. I settled this account XX/XX/XXXX for {$4600.00}. I was told that this information would be reported in 30 days as a paid charge off so I moved my closing date on my home until XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX and they told me they had dropped the ball and this should of been updated in there system in XXXX which it was not and now they don't have a time grabs of when this information will be updated! This is a violation of my consumer right with incorrect reporting on my credit report and is negativity impacting my credit as well as could prevent me from purchasing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Chime Financial 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: Account information incorrect

Complaint:
Chime is not Reporting my Credit Limit, Credit Limit is {$4400.00}, Chime is Reporting XXXX as my Credit Limit for which isnt True

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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: Problem with personal statement of dispute

Complaint:
5 reported missed payments after receiving a waiver program during a pandemic. This has destroyed my good standing credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2020-07-06
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX, XXXX, and XXXX  are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation, yet I have yet received any information in over 90 days. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.

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 2021-02-02
Company: Resurgent Capital Services L.P.
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:
Contacted the company several.times explains it was not my debt and never had the account yet they refuse to remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MRS BPO LLC sent a verification of debt letter that is not sufficient to validate alleged account. I requested a few documents that was never sent. The letter that was sent has a lot of discrepancies and the verification letter that was sent does not reflect whats on my credit report. This account is falsely reporting as the original creditor and not as MRS. MRS also failed to send a letter stating that they owned alleged debt and continuously to report this alleged account to the credit agency and has been reporting this account for a year illegally. This is affecting my credit. If this agency have the right to collect debt, why wasnt I informed?! Isnt this a violation. If this company is obligated to report all accurate information, why are there so many discrepancies on all 3 credit reporting agencies?! This company is in violation. I requested documents and was not given all the proper documentation. I only received a statement and a verification letter from MRS XXXX I have more evidence if needed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: NY
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:
Ive been trying to get to the bottom of some accounts that are reporting on my credit. According to the consumer laws designed to protect against noncompliant reportings, there should not be account listed on my credit that are inaccurate, incomplete, unverifiable. In this case I have spent money corresponding with the bureaus with no avail. I feel like they are taking my issue lightly. I have called an attorneys office that I found online and they guided me to your CFPB website as the next step. I have highlighted the inconsistencies on my credit reports.

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 2018-02-10
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX CEO, please notice there must be a release of mortgage doc. from land or county recorders office. Please clear title see docs and all warrants are signed and more to come ... 
Hope you understand this is very important as someone mentioned that none of these other Companies have any right to sell or post anything on my door or trespass me and title.. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX CHASE BANK CHARGED ME INTEREST FOR " CASH ADVANCES '' I DO NOT MAKE ANY OF THOSE. I SPOKE TO 2 REPS WHO SAID IT WAS WRONG AND THEY WOULD FIX IT. 
NOTHING HAS BEEN DONE, THAT STILL APPEARS ON MY ACCOUNT AND HAD PUT ME OVER THE LIMIT. 
THIS IS FRAUD AND ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
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:
Car was repossessed and sold at auction. The original debt is 6yrs 4 months old and they reached it to 4 yrs .Balance on one credit report shows paid the other is reporting original debt. I have submitted several verification of debt and request for inaccuracies to be corrected or deleted to both creditor and all credit bureaus. Its deleted off one and remains inaccurate on others. Neither the creditor or credit bureaus have taken my phone calls or letters seriously and has caused severe damage to my credit. When I have tried to point out inaccuracies and request my right for accurate data or deletion as my consumer rights provide 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 monetary relief
Consumer complaint received 2017-08-12
Company: WELLS FARGO & COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
This all began when my loan originated for this consumer vehicle loan. This account has been with Wells Fargo Dealer Services for a few years now and I feel as though the dealership along with Wells Fargo tag teamed and quickly coerced with sales tactics and promises of a low interest rate being a young and inexperienced consumer to quickly close out on a deal with each other. I feel as though it 's unfair and extremely deceptive how they fooled me into signing a loan with a higher interest rate than I anticipated. The dealership took advantage or my race as an XXXX XXXX young adult and my only goal was to co sign for my fathers car loan ( XXXX XXXX XXXX ). The dealership said if we left that same night we 'd lose the deal and we felt pressured to decide on one loan option for an insanely high interest rate. I believe that Wells Fargo could have provided a way lower interest rate which would have made my experience as a consumer much more professional and productive. Now each time I call Wells Fargo which is at least once a month and ask them to investigate they say they 'll escalate and nothing ever happens. I threaten to contact regulators and it almost does n't bother them. I really need you to look into my loan origination because my rights as a consumer were violated and I ca n't do this on my own. My loan account number with Wells Fargo is 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 2019-11-15
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I set up a verbal arrangement XXXX a month. At the end of each month. I call Phoenix Financial to make my payment by phone using my debt card. I started receiving call the first or second week in XXXX. I called back and this man answered XXXX XXXX. I answer yes, who am I speaking with. He gave me only his first name. I can give you to XXXX she is in. I asked where are you calling from. He would never answer just kept saying XXXX is in I am going to transfer the call. I hung up. XXXX XXXX XXXX / Phoenix Financial has been calling 2 to 3 times a day using different phone numbers most of them have been XXXX area code. That is this local area code. I have blocked there numbers. I have been thinking about offering a settlement. But when this started happening, it just burned me up. I do the right think and then you run into a very unprofessional and doing things illegal. I believe new partner company needs to go over the collection laws. 
Should you have any questions please feel free to call me XXXX cell Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In XXXX 2020, I purchased a product from XXXX for {$110.00} using my Bank of America Mastercard. 

I tried the product but was unsatisfied and had it returned via XXXX  on XXXX 2020. However, XXXX had marked the product LOST. 

I filed a claim for purchase protection. But I just got word today XXXX that they rejected my claim.

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 monetary relief
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
According to 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I demanded this be removed immediately. I have already filed litigation concerning this matter.

Company response to consumer: Closed with explanation