BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: Experian Information Solutions Inc.
State: MA
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:
In XXXX of XXXX i moved to XXXX. I had sold my XXXX before moving because I was approved to but a car at XXXX in XXXX XXXX, instead of having the car transported to XXXX since I would be in XXXX with my rental truck I was going to pick the car up there and save whatever amount of money it was not to have the car transported. But when i called to speak to the XXXX XXXX I was told the loan had to be rewritten and now I do not qualify. I only had my letter from my employer for the Amt of money I would be making. So i couldn't purchase the car. After I was able to secure employment i had applied to several places for a vehicle and I was at first told I would be approved and then all of a sudden I wasn't and there was either one excuse after another why I couldn't be approved or that my deposit went from XXXX to like XXXX XXXX or my paystubs looked funny. It seems that someone was contacting these places I was applying for. It seems I may have been under some kind of investigation all the time I am asking law enforcement for help with what i was being put through. so my complaint is against the credit reporting agencies for what i believe have been manipulating my credit score to keep it low so i can not purchase a vehicle at the behest of law enforcement of an individual or group.

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 2020-11-12
Company: EQUIFAX, INC.
State: NC
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 am a victim of identity theft and I am writing this statement to dispute certain information you have reported incorrectly on my credit report. Please block or please delete incorrect information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 


XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Complaint 1 - Recently, I aquired a copy of my credit report. It indicates I have 6 XXXX XXXX accounts that are closed by credit grantor. I requested proof that these accounts are mine showing my signature. XXXX XXXX and Equifax have not provided a copy of said signature. Equifax continues to send me a credit report indicating the information is correct. By keeping this information on my credit report without proof of signature they are violating FCRA.

Complaint 2 - I informed Equifax that XXXX XXXX is breaking the law by filing a monthly alert on my credit file. I informed Equifax that XXXX XXXX is changing the dollar amount due and filing a new complaint each month. XXXX XXXX is effectivly reaging the account monthly in a malicious attempt to continue to destroy my credit. This is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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 {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$640.00} XXXX XXXX   XXXX {$110.00}

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 2018-10-31
Company: EQUIFAX, INC.
State: SC
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. During a further investigation of these accounts, they are the same accounts, brought and sold, reopened and reporting twice. Theyve be on my account for several years, having taken out some loans while attending XXXX XXXX University I new Id have some student loan debt after I lost my athletic scholarship, but none to this magnitude. They are set to be remove in the fall of XXXX, so Ive been suffering from this long enough, Ive at the point in my life where my credit is important, I have a family and secure employment, Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from XXXX until now. A previous dispute for the consolidated account and total for this listed below has already been removed, switch should be more than enough proof of the fraudulency and inaccuracies. Several hard inquires were made under my name which could have stemmed from a relative of mine, who has had my information since I was living with him while in high school and he claimed me as a dependent on his taxes, hes denies any wrong doing, my information was also breach in the Equifax leak as well, and Ive lost a wallet with several of my personal information such as ID, BANK CARD, and my original SSN was in there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
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 have a bankruptcy on my report that I have been trying to dispute. I have mail documents from XXXX XXXX and my local court house and experian still refuse to delete this information. I have asked this company to send me the verification information and have yet to receive this 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 explanation
Consumer complaint received 2020-06-23
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXX {$1100.00} DEPTEDXXXXXXXX XXXX {$3000.00}

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Birthdate XXXX Social Security XXXX. 
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: IQOR US INC
State: AL
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:
The company is reporting a account on my credit report that does not belongs to 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 2019-06-18
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:
Hello, XXXX showed up on my credit report at a time when i wasn't even in the country. 


General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXXXX XX/XX/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 2022-08-12
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: Merchants and Medical Credit Corporation, Inc.
State: NY
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:
Merchants and Medical Corporation has violated numerous sections of the FDCPA and FCRA. The most glaring of these offenses being lack of verification within the first 30 days of communication. This is my second complaint with this specific issue to the CFPB and upon research have found numerous others. I have remained within my rights while dealing with this company and even on XXXX occasions stepped out with an olive branch and offered to accept a letter of deletion considering how worried they are of not being paid. They have also refused to produce proper means of securing an address or business license number for me to move forward with a civil case against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: DISCOVER BANK
State: VA
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:
In the process of filing bankruptcy and was instructed to show activity on my discover account until filed. I set up an auto payment of {$5.00}. I just found out that for the last 2 months, they have attempted to take out XXXX and then XXXX from my bank. I called and their answer was that there is a disclosure that states that the full minimum will be taken if the " other '' amount I select is less than th mimimum. I canceled and set up a new one to be sure and the disclosure is in small print and confusing verbiage. I believe this is an unfair and deceptive practice that needs to be addressed. They said they don't do this for 1 time payments so why would they do it for an auto payment? This practice needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX, my debit card was closed while I was trying to buy groceries. I had used my card 3 times previously ( the same day ) without any issues. After getting home and waiting on hold for over an hour, I was informed Chase had closed both of my savings accounts, credit cards, and closed my debit card without even notifying me of them going to do so. No one I spoke with could give me any answers as to why all of my accounts were closed, just that my account was under review and it was determined that Chase could not sustain our accounts anymore. I'm not even sure what that means. I had tried calling multiple times to Chase, calling XXXX 3 times, and even going to the local Chase branch with no luck. I was advised while speaking to a supervisor at Chase, to go close my checking account immediately and pull my money out because my checking looks like it's the next thing to be closed. My husband and I went to the local branch and pulled the remaining money we had in checking, which isn't much. We are not able to access any of the money in our savings account- which I need access to to pay my XXXX XXXX XXXX this week. We have about {$12000.00} in savings with no access to it. Chase is holding our money hostage and not giving us any answers as to why this is happening. We have been loyal customers for 15 plus years without any issues. We just want our money and will happily take our business somewhere else. 
Also, I am a XXXX XXXX worker, already beyond stressed during this pandemic, and this issue hasn't helped matters for me. It's adding even more stress to an already stressful situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: TN
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. The accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by rise credit that I had taken out a loan and never paid. I informed them that I had not taken out a loan online and asked for proof. The company never sent proof that I opened this loan online and continue to pursue this debt along with reporting to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today I received a letter notification from Midland Credit Management. They sent me a letter threatening to sue me if I did not pay a debt for {$1100.00}. The initial debt was owed to XXXX XXXX XXXX for a credit card. However, the original amount has already been reduced with XXXX XXXX. Therefore, this letter is completely uncalled for and under the nature of the debt, blatant harassment by trying to intimate me during a time when the pandemic has put everyone in a difficult financial predicament.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: CIT BANK, NATIONAL ASSOCIATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have set up autopay with the bank, received confirmation : auto-payments did not go through and I am charged condo association fees, had to set up again with agent helping me. 
Banks website is not functioning properly and it cost me money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
The below listed " LATE PAYMENTS '' that are being reported within my credit report is inaccurate account information. I have never been late with my payments on these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of XXXX, XXXX, XXXX the credit reporting agency or the original creditor. Whichever it is, the fact remains ... these late payments are incorrect payment history information. 

( Late Payments Here ) NISSAN MOTOR ACCEPTANCE ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I been disputing an account that is wrong and have inaccurate information. 
and Transunion is ignoring my request of investigation.

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 2018-04-20
Company: WELLS FARGO & COMPANY
State: MN
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:
Wells Fargo account re-aged ; XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX, XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX. I've disputed the accuracy with credit reporting agencies with no success. I have attached copies of credit reports for both years.

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 2019-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
In XXXX of 2014 Bank of America put a 30 day late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account, then reopened the account when I disputed the issue with a branch manager in XXXX XXXX NY. However, they never removed the late payment that was associated with the same issue. It just popped up on two bureaus and has severely lowered my credit score.

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 2019-06-18
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 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