BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
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 currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were three accounts that do not belong to me. The account names are XXXX XXXX , County of XXXX XXXX & XXXX XXXX XXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my father since we have the same name. I am a Jr and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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: Account information incorrect

Complaint:
XXXX XXXX  has marked my XXXX 's account as " closed at issuers request, '' the phrase usually reserved when an issuer re-evaluated a consumers qualifications and downgrades or revokes credit line. In this case, XXXX simply went bankrupt. I should not be impacted negatively because of the issuers financial failures. I have attempted to have this negTive statement removed from my report via all dispute processes available to me. I have been unsuccessful. Please advise & assist. Thank you for existing. Banks f corporate interests are out of control.

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 2018-07-09
Company: EQUIFAX, INC.
State: MO
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 contacted XXXX XXXX XXXX XXXX to make them aware that my identity was used fraudulently for this one account on my credit file. The other two account are legitimate credit cards accounts. I gave them my contact information, when I acquired the two credit cards accounts. So my contact information was already on file at XXXX XXXX XXXX XXXX. However, the account that's displayed for the car doesn't belong to me. I have disputed this account several times, but to no avail. This is not my account. XXXX XXXX XXXX XXXX refuse to remove it from my credit file. I have sent them all the supporting documentation to support my claim, but still refuse to remove it. I'm taking this to the media after this last attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FTC VIOLATIONS FTC Returns more than {$14.00} XXXX to Consumers Deceived by Misleading Light Bulb Claims SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : consumer refunds deceptive/misleading conduct Bureau of Consumer Protection Consumer Protection XXXX and XXXX XXXX XXXX The Federal Trade Commission ( FTC ) is mailing XXXX checks totaling more than {$14.00} XXXX to people who bought XXXX XXXX XXXX brand LED light bulbs. 

The FTC sued XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX for violating federal law by overstating the light output and life expectancy of their LED bulbs, and falsely comparing the brightness of their LED bulbs with that of other light bulbs. 

A federal court ordered the defendants to pay {$21.00} XXXX to the FTC to provide refunds and banned them from misrepresenting material facts about lighting products. People who bought XXXX XXXX XXXXXXXX XXXX light bulbs between XXXX and XXXX, and do not receive a check, can apply for a refund at www.ftc.gov/lights. The deadline to apply for a refund is XX/XX/XXXX. 

Check recipients are receiving full refunds. The average check amount is {$28.00}. Recipients should deposit or cash checks within 60 days, as indicated on the check. 

If consumers have questions about the refund program, they should contact the FTCs refund administrator, XXXX XXXX XXXX, at XXXX. 

To learn more about the FTCs refund program, visit www.ftc.gov/refunds. 

PRESS RELEASE REFERENCE : FTC Shines a Light on Company 's Deceptive Claims for its LED Bulbs FTC Action Leads to Court Order Barring Misleading Light Bulb Claims FTC Sends {$68000.00} in Refund Checks to Consumers Who Bought XXXX XXXX XXXX XXXX Light Bulbs and Filed a Claim Common violations of the FCRA include : Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer. Creditors give reporting agencies inaccurate financial information about you. ... Reporting agencies providing information to unauthorized persons or businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
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:
XXXX XXXX, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 XXXX XXXX  FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. XXXX XXXX   OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH XXXX XXXX  WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS

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 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written on multiple occasions over the past 4 months documentation reflecting this debt is mine and not another party. The name and address on file associated with this debt do not match mine. I have requested signed contracts and the company has refused to provide them. I have requested Transunion to provide any and all documentation regarding this and I have received nothing.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NE
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:
I have written and talked with my school loan lenders over the past year with no avail however, after further review of my three credit reports, I have found them all to be two to three years old, and my financial balances are totally incorrect. Unfortunately I have five lenders who have not updated any of my financial information to the credit bureaus. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Capital one, which is a credit card I paid off in full sixteen months ago, in the amount of {$3100.00}. After calculating such figures I have paid back {$14.00} to these XXXX lenders and my credit reports state false and or incorrect balances on these accounts. This is a very negative and significant situation for me and my future. I need help or directions that will help me fix this serious problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: QuadPay
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Theres a XXXX charged that was refunded multiple actually that they haven't given me credit for. The last uber charge in question was the last straw I demanded for them to refund me back my money as im paying the bill for a charge that was refunded. Any email response is generic and don't attempt at all to provide a solution. 

I told them I will no longer pay for anything on the service until this is fixed now they are threatning to charge more fees and submit unpaid account to collection. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a charged off credit card with Capital One Bank that was sent to collections in the amount of {$440.00}. I paid the debt off as of Monday XXXX the XXXX. I then disputed the collections report on my credit file through XXXX. They completed the dispute in less than a day and have reported that the status of the collections has not changed. This is incorrect as the charges were paid off before the dispute was filed to remove the report from credit file. This file is reporting that my account was charged off again in the month of XXXX when in fact the balance was paid off on XXXX the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my report again after submitting multiple disputes without a response back and this account still remains on my credit report, These two accounts are not mine

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 2020-07-04
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: Their investigation did not fix an error on your report

Complaint:
XXXX MAIN, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 XXXX XXXX FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. XXXX XXXX   OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH XXXX XXXX  WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS

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 2018-02-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Information belongs to someone else

Complaint:
My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX  XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account and my credit card was compromised. I reached out to XXXX XXXX several times but they wont help me. I've notified XXXX multiple times but they won't remove it off my credit report. USAA also has a missed payment on my XXXX credit report that needs to be removed, I was never late on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Somebody has opened a credit card from ( XXXX XXXX XXXX ) using my personal information with the amount of {$850.00}, for which I have received a court letter on XXXX XX/XX/XXXX, filed by MIDLAND CREDIT MANAGEMENT , INC. After going through the court letter file papers I was shocked to know that first of all I have never heard about that bank before and have never ever applied for a credit card from that bank. I haven't received any statement from the bank either. As per their records, the card was opened on XX/XX/XXXX using my previous address details i.e. XXXX XXXX XXXX, XXXX, VA XXXX. But I moved from that place on XXXX XXXX to the current address i.e. XXXX XXXX PL, XXXX, VA XXXX. It also shows in the statement that somebody has made a payment of {$100.00} to that credit card account on XX/XX/XXXX and that wasn't paid by me. 
As per my knowledge, I haven't shared my personal information and my social security with any other people except my wife which we are now separated since the end of XX/XX/XXXX. I am completely unaware of this issue and If I have received such statements from the bank then I would have immediately called them to talk about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: JPMORGAN CHASE & CO.
State: AR
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 do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
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:
See attatched FTC ID THEFT case XXXX. I began experiencing UNAUTHORIZED CHARGES on two credit card statements, XXXX CREDIT CARD & XXXX CREDIT CARD XXXX XX/XX/XXXX. See attatched EQUIFAX XX/XX/XXXX LETTER * CONFIRMING UNABLE TO LOCATE A CREDIT FILE. These requested documents were sent to Equifax 2 times & TO NO AVAIL?? ( How can a credit score on me from Equifax be ACCURATE WHEN CLEARLY THEY HAVE NO FILE ON ME?? ) ** I HOLD EQUIFAX ACCOUNTABLE FOR THE ID FRAUD THEFT I HAD ON BOTH THESE CARDS JUST AFTER THEIR BREACH OF XXXX. ALL MY INFO IS SOLD ON BLACK WEB TO HAUNT MY FUTURE TRANSACTIONS WITH RISK. I am XXXX years XXXX on limited income XXXX XXXX XXXXXXXX I CAN NOT AFFORD THIS HUDGE LOSS. I AM A TARGET BY PROFILE WITH NO PROTECTION. ** EQUIFAX PUT PROFIT OVER PRIVACY with GREED OVER PEOPLE EQUIFAX NEEDS TO BE HELD ACCOUNTABLE AND PAY RESTITUTION TO CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Today on XXXX XXXX I spoke with a Supervisor of the name of XXXX # XXXX. I explained to XXXX of an offer around the XXXX Holiday. When approved of new credit line of credit, a XXXX credit will be added to your bill. XXXX refused to stand by the offer an said he can only do XXXX credit only because that was the only offer they have current now. I told him I couldnt settle for that. I was promised XXXX credit around the XXXX holiday. I than spoke with XXXX Comenity Bank Care, she said they never offer XXXX credit it has always been XXXX there nothing she can do. I told XXXX am not here to Argue, please do what right an credit XXXX for opening a new account. I put my credit score on the line Believing that I would be getting a {$25.00} credit. I then asked the agent to please give me a Victorias Secret corporate office so I can get the issue resolved and I was giving the wrong number I am very disappointment and when this is all over please close my account. The experience I receive with this company was bad and I was made to believe that I was lying and trying to cheat the company out of {$25.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
Personal lien just showed up on my credit report, about a month after it was completely paid off. The credit report does not show its status at all, implying it is still active, and it should appear in some sort of closed/fulfilled state. I tried to report the problem to XXXX, which provided the credit report to XXXX, where I saw it. Their webpage did n't load anything at all, just had " Please wait for page to load '' in the header. [ https : //www.ai.equifax.com/ ] I tried to call them at the number given at the bottom of the report I saw [ also contained with the Vermont Consumer Notification ], and there was no way to talk to someone about this there.

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 2021-02-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX  account belong to someone with similar name. bureau deleted then it came back

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: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage company ocwen was bought out this past XXXX by PHH. I was one payment behind. I have made 10 payments this year, and bank statements to prove. They claim that I had arrearages and applied payments to that. I have nothing that states that. 
After several attempts, long holds, many customer service people whom told me something different each time, various departments, NOTHING but telling me that I haven't made a payment since XXXX. And that is absolutely NOT the case. I have a modified loan, for 9 years, owned the home for 25 years. I DO NOT WANT TO LOSE MY HOME!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: National Credit Adjusters, LLC
State: MD
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:
Good morning, I check my XXXX XXXX status 2-3 times a month and am currently in the market to buy a home. I noticed that recently my credit dropped -XXXX points. when i logged into XXXX XXXX to verify the changes, i noticed that a credit adjustment company had re-opened a debt against me that had already been closed out for over 3 months. See breakdown below : XX/XX/XXXX - NCA/National credit adjusters removed debt and closed case. Credit increased +25pts ... .... 

XX/XX/XXXX - NCA re opens the same debt but classified as " new '' debt being reported. This is " Re-Aging '' an account which is illegal. I know this happened due to me attempting to re-finance my auto loan and was told my credit score was significantly lower than what i was aware of ... ... 

I did make a dispute via XXXX XXXX website and XXXX had reverted my scores back to where they should be but right now XXXX is still showing the incorrect score and the dispute made zero impact. I feel like NCA is re-again clients accounts for their own personal benefit and is not right and is illegal. My XXXX XXXX and credit report reflects that NCA did in fact close the account and re opened it as a " new '' debt months later ... ... 

I have tried to explain this to NCA with zero progress as they continue to lie to me claiming that they have been reporting this debt the entire time which is proved they are lying about reporting and re aging and dont care to fix their wrong doings.

Company response to consumer: Closed with explanation