BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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 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 2018-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had be file with the FTC and a police report. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX XXXX Police Report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Company: Experian Information Solutions Inc.
State: LA
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:
There are inquiries on my credit reports that does not belong to me. I didn't authorize these inquiries. I have contacted the credit bureaus and I have not received any resolution. I have good credit and I am very careful how I utilize my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I had fraud accounts on my credit report and I informed Equifax several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

Credit File # XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$12000.00} XXXX/XXXX/XXXX {$12000.00} CHARGE-OFF {$12000.00} Reason for disputing : Fraud Account, I contacted the XXXX XXXX XXXX and said they cleared me from responsibility on this account however Equifax is still reporting this account. 

XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX XXXX DAYS PAST DUE {$500.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX XXXX XXXX XXXX XXXX XXXX. I have never been late on this account. 

XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX {$4100.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREED {$6500.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX XXXX. I have never been late on this account. 

XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX {$1300.00} XXXX/XXXX/XXXX {$130.00} PAYS XXXX DAYS Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX, XXXX XXXX and XXXX, XXXX XXXX I have never been late on this account. 

XXXX XXXX Hide Details XXXX XXXX/XXXX/XXXX {$5300.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREED {$5000.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX I have never been late on this account. 


Fraud Inquiries XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
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:
On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX  ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.

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 2018-06-21
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:
On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX  ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
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:
On XX/XX/2018 I entered into an agreement with XXXX XXXX ( representing XXXX ) to settle a private student loan. The agreement is for " paid in full '' and " cure- deletion ' of negative reporting on CRA 's. Instead, XXXX only updated the amount owed and continues to damage my credit by reporting the account as delinquent. I have called XXXX directly and they keep saying it will take more and more time. I called XXXX XXXX XXXX XXXX collection agency- and they claim that the account is settled in full and there is not supposed to be any reporting of delinquency. Yet my credit got dinged again this month.

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 2018-08-23
Company: Knight Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a voicemail on my phone number that was intended for my wife saying she was being served and she owed a debt and had a judgment against her. We were unaware of this debt and I called the number back and was transferred to a man named XXXX XXXX. XXXX XXXX pulled my personal information from my number I suppose and his first line of tactics was to point out I couldnt possibly be married to my wife because I am too old for her. He hung up on me and I called back and asked to speak to anyone else. I was immediately transferred to him. Im just going to list the next insults because the narrative is too long. I am a XXXX for marrying my wife. I am abusive and do not let her make her own decisions. His job is to turn old guys like me into pretzels ( physical threat, obviously ). Im too XXXX to understand anything he says. I am too cheap to buy my wife the things she needs. I am unable to XXXX XXXX XXXX XXXX XXXX. He refused to tell me what the debt was from, who it was owed to or how much. Then he called my father-in-law to tell him his daughter married a XXXX. Then he called my sister-in-law to say the same. Then he called me back to tell me again that i was too XXXX to understand what he was saying and told me he would talk to my wife ( who he called non-stop for some time ) and me after she returned home but at least then he told me it was an old XXXX account and that it was XXXX XXXX bucks. There was a whole lot more Youre old, youre XXXX stuff but it got boring. The ironic thing is I was actually calling to just pay whatver she owed but he never allowed me that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XXXX of 2018 I called Chase Auto Finance to request a 60 day extension on my Auto Loan. Due to the the fact I was having a financial difficulty and I needed the extension not only to get caught up but to get some breathing room due to the past few months have been very hard on me financially. My spouse fell ill and has not been able to work leaving me the primary caretaker of our home and children. So prior to the call my reason was that and in XXXX of 2018 I was a victim to damage to my current car that I requested the extension on. I was driving down the highway and someone transporting bulk waste didn't tie down the contents and debris came and hit my hood windshield and undercarriage. I was not able to catch up to the car due to the accident it cause I had to pull over. So I have to pay for this out of pocket and the expenses are well over XXXX. This includes repairs and rental car and fuel. I just needed help. So I called Chase explained this to them today XX/XX/2018 I was told that I as eligible transferred to a specialist explained my position and was denied. Keep in mind my account has never been 30 days late ... I always pay between 7 - 17 days past due. I have never had a late fee until now and I have had this loan going on 36 months. I need help and I need my 60- day extension granted so that I can pay my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: JPMORGAN CHASE & CO.
State: GA
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:
Repeatedly for several years, CHASE BANK has made UNAUTHORIZED, UNSOLICITED HARD INQUIRIES INTO CREDIT BUREAUS, ESPECIALLY XXXX. 
Most recent dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Have tried freezes, but the instant I lift them, CHASE hits me AGAIN!?! As a senior struggling to get by solely on Social Security, these dire negative hits to credit scores is hurting my chances at procuring senior rental housing & necessary automobiles. PLUS : inflated interest rates & painfully larger deposits. I called Chase the summer of XXXX to STOP, but to no avail. My powerlessness over the situation is severely exacerbating XXXX, one of my XXXX. I have NO charge cards, have not had one in the last 20 years and DO NOT WANT ONE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase Credit card does not pay off the higher APR when you make a credit card payment. So a {$900.00} cash out transaction I got 10 years ago has accrued interest to where my entire credit card balance is now considered all cash out at an APR of 26 %!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Experian bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. The Bureau responded that " Outcome - Processed '', nothing was done whatsoever to remediate the problem and remove the account from the report. Additionally, they state in the letter that was sent that one of 3 outcomes would happen, 'Deleted ', 'Updated ' or 'Remains '. They did not provide clear information what was done. I Provided legal documentation, federal law title, code and subsection, Along with the federally recognized cancelation document and they didn't remove the canceled account. instead the company did nothing but refresh information which caused my credit score to decrease, this is illegal. Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas  Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.

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 2018-02-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I opened this loan in XX/XX/XXXX to help manage an issue that came up it property taxes and to help manage some other debt. In XX/XX/XXXX I came into some serious financial issues with repaying the loan and I wasn't about to come to a resolution with the bank.

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 2018-08-23
Company: American Credit Financial
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On Friday XX/XX/XXXX I received a call from a person named XXXX with a company called XXXX XXXX. He stated he was trying to serve me and I had waived all my rights and needed to inform me that the following day I would be serviced between XXXX and XXXX. Never happened. He called agian on Monday XX/XX/XXXX. I soon determined that this was tied to a company called American Credit Financial. Their numbers are XXXX & XXXX. I was told my Claim Number was XXXX. Upon calling this place I was quickly transferred to a XXXX XXXX to which informed me she had a case against my social security number from XXXX XXXX ( I figured out is now owned by XXXX. She told me I had broken federal banking laws. Then transferred me to a XXXX XXXX or something like that. He proceeded to tell me that he was processing a claim against me for XXXX XXXX. I explained to him that this had bee discharged in a XXXX Chapter XXXX. He then told me he needed my attorney number and because I didn't have it on me would tell the client that I was not making any arrangements and would move forward. Then he disconnected the call. I contacted XXXX ( XXXX XXXX ) only to be told they do not associated with this company and have no record of dealing with them. To me this sounds like a SCAM! 

I just want them stopped. 

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 2018-04-27
Company: ENCORE CAPITAL GROUP INC.
State: OH
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:
I found this company looking into my credit report and when I asked they said I owed XXXX I have never had a XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: CL Holdings LLC
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 status incorrect

Complaint:
I have filed numerous dispute against the company tell him I dont owe them nothing I dont know who they are they got the wrong information on there in the wrong mail and they even shown thoughts information to the list XXXX XXXX this is been going on since XXXX and finally on thanking and I are sharing the investigators finally busted them in their lies and XXXX and XXXX but yeah its still on my XXXX  and my XXXX  credit report and XXXX credit report they cost me to lose a lot of loans cost me higher interest rates I lost a lot of money whenever I tried to borrow money XXXX pay higher interest rate because of them I believe they owe me a lot of money like I said this is been going on since XXXX and here it is XXXX and I wont conversationFor aggravation deformation of character and use mental anguish for a damage they have done to my reports my credit and was messed up cause of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX Credit Cards Ending In : XXXX & XXXX XXXX XXXX XXXX Cards Ending In : XXXX & XXXX XXXX XXXXXXXX XXXX Card Ending In : XXXX There is no balance owed on any of my credit cards by any bank as showing by Credit Bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Collections Company PHOENIX FINANCIAL SERVICE has been reporting negative information of a debt to XXXX credit bureau in which I do NOT recognize that I am the owner of this Debt of {$30.00} dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax refuses to remove these fraud=inqccurate inquries on my credit report, sent in ftc reports XXXX police reports, talk to multiple employees at equifax. This is rediculous, they told me to send in an ftc report, and the inquries would be removed. over a month later, the inquries are still on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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:
My previous complaint filed here had a typo on the hard Inquiry date. The correct date of the disputed inquiry is XX/XX/2018 On XX/XX/2018 I submitted an online dispute to Equifax stating that a hard inquiry by XXXX XXXX XXXX dated XX/XX/2018 on my Equifax was NOT approved by me. 

On XX/XX/2018 Equifax replied with confirmation Number XXXX stating that they had investigated the dispute and did NOT remove the hard inquiry form XXXX XXXX XXXX. 

On XX/XX/2018 Equifax replied with confirmation # XXXX stating that there is no XXXX inquiry on my report and sent me a copy of the report. The report sent by Equifax now shows an inquiry with the name " Utilities '' dated XX/XX/2018 instead of the name " XXXX ''. 

Equifax provided me with the following invalid address : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I wrote a letter to XXXX XXXX XXXX using that address and my letter was returned by post office as NOT deliverable. 

Equifax seems to be playing name games here and has not removed the hard inquiry dated XX/XX/18. I demand that the hard inquiry dated XX/XX/2018 be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield and Associates, date of service stated XX/XX/19, tried to call and discuss and let them know this is not my debt I didn't attend a hospital on that date. This is not me and will not be paid it needs to be removed

Company response to consumer: Closed with explanation