BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$1300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full XXXX, 2020. I have attached a copy of the transaction receipt. This account needs to report a {$0.00} balance and not reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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 have recently checked my credit report and noticed that there are about 9 inquires on my report. Majority of them are inaccurate. I have filled out a FTC report with the inquires that are inaccurate as i have not authorized these companies to run my credit. Only XXXX is the inquiry is accurate the rest are not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this company. I understand this company is a debt buyer. Im asking this company ceast and defrain. Im dispute the validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full XX/XX/2020. I have attached a copy of the transaction receipt. This account needs to report a {$0.00} balance and not reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-09-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have a Bankruptcy XXXX reporting on my credit report as of XX/XX/2019. I have never filed Bankruptcy, there is no balance but this is a derogatory info on my credit report. They must have the wrong person.

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 2018-08-04
Company: EQUIFAX, 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Bankruptcy : Discharged CH-XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been on deferment since I have obtained my student loans. My loans were never late because I am on deferment. 

The loans have been reported incorrectly for the following accounts : XXXX XXXX XXXX # XXXX U S DEPT OF ED/XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
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:
When I was applying for a house they ran my credit and informed me that I had a collection in my credit report. I was surprised because I have never even received my XXXX credit card. My account was maxed out at {$200.00}. I was unaware of this transaction that it went on for years collecting interest over time. Now the balance is at {$480.00} no one ever called me to notify me about the bill or the account. Ounce I found out about this collection I contacted portfolio recovery and told them that this transaction that was made in 2020 was an unauthorized transaction. They told me that they couldnt do anything about it. That they just bought the account from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
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:
Writing back in response to this companies response. The information in response to my original CFPB compliant is invalid. 

Again, this company stalled on reporting payments to credit bureau. This company inaccurately reported data that is invalid. 

This company withheld information from XXXX XXXX XXXX in an attempt to collect more money on rate. 

I have recordings of company stating the late pays would be removed as it was their error. I have recordings of the supervisors and managers stating the problem would be fixed once the last payment was made. No luck this company also failed to follow government orders for COVID19 reporting. 

There are over 1000 complaints on the XXXX from the complaints of people who experienced the same issue during COVID19. Please look into this company. They are inaccurately reporting and are doing the very actions CFPB was set up to protect consumers against. Thank you.

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 2021-08-17
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Chase credit card online around XXXX. On XX/XX/XXXX I got a letter in the mail from Chase stating that they were concerned that someone was using my personal information fraudulently and declined an application because of this. It was reference number : XXXX. It stated to contact them if the application was valid. I had called them multiple times, between 5-10 times and each time someone would keep telling me they had to transfer me to another department over and over. Every time someone would pick up from the next department, they would say I need to call another department or they couldn't help me. The last time I had called I was just extremely frustrated, I believe I called Lending services because that is where someone told me to call, I called during operation hours and I was on hold for 2 hours 39 minutes before I gave up. No one ever helped me clear this " fraud '' or helped me with my credit card application. I believe they denied my credit card because I told them that I either used one of 2 addresses I live at, but I wasn't sure of which one, but I explained to them I had just moved. They still didn't help me. Now for months I have been unable to apply for any other credit card companies which is affecting my credit score that I am trying to build. They have been very unhelpful throughout this whole process and the 3-4 months I have been waiting and I never got a call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
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:
Writing back in response to this companies response. The information in response to my original CFPB compliant is invalid. 

Again, this company stalled on reporting payments to credit bureau. This company inaccurately reported data that is invalid. 

This company withheld information from XXXX XXXX XXXX in an attempt to collect more money on rate. 

I have recordings of company stating the late pays would be removed as it was their error. I have recordings of the supervisors and managers stating the problem would be fixed once the last payment was made. No luck this company also failed to follow government orders for COVID19 reporting. 

There are over 1000 complaints on the XXXX from the complaints of people who experienced the same issue during COVID19. Please look into this company. They are inaccurately reporting and are doing the very actions CFPB was set up to protect consumers against. Thank you.

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 2018-08-04
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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Bankruptcy : Discharged CH-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 2023-06-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

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 2021-09-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA XXXXB ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: DC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
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:
XX/XX/XXXX DISPUTE RECEIVED BY EXPERIAN XX/XX/XXXX EXPERIAN CLOSED DISPUTE STATING RESULTS REMAIN XX/XX/XXXX SPOKE WITH EXPERIAN THREE TIME XXXX, XXXX, XXXX CALL WAS DROPPED TWICE. REPRESENTATIVE INSTRUCTED ME TO UPLOAD MY DOCUMENTS BECAUSE THEY DIDN'T RECEIVE MY ATTACHMENTS, WHICH IS FALSE BECAUSE MY DOCUMENTS WERE STAPLED TO MY DISPUTE. 

XX/XX/XXXX I UPLOAD MY DOCUMENTS A SECOND TIME XX/XX/XXXX EXPERIAN CLAIMS THE INFORMATION SHOULD REMAIN

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 2021-03-02
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: Was not notified of investigation status or results

Complaint:
I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXXXXXX XXXX and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
I have two credit card accounts with Bank of America. One is closed and the other is open. I mistakenly made a payment to the closed account. I have been calling for 30 days to request they transfer the {$500.00} payment to the open card. I called my bank XXXX XXXX where the payment was drafted and they credited my account the {$500.00} payment. A few days later Bank of America charged {$500.00} my card. I have documentation that I made a payment on XX/XX/XXXX and it cleared my bank. I made a second payment on XX/XX/XXXX and it cleared my bank. Bank of America has denied 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 explanation
Consumer complaint received 2020-09-14
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: Information belongs to someone else

Complaint:
I have a Bankruptcy XXXX reporting on my credit report as of XX/XX/2019. I have never filed Bankruptcy, there is no balance but this is a derogatory info on my credit report. They must have the wrong person.

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 2021-05-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently noticed my credit report are showing inaccurate and unverified information that is harmful to my consumer credit profile. I have requested for my instruction to be followed with the certified mail return receipt, sent to Experian. Mail Sent : XX/XX/2021 I also had a phone call with Experian reps. I confirmed with a Experian Rep XXXX, on XX/XX/XXXX, the call started XXXX confirming Experian received my documents on XX/XX/2021 and ended with her acknowledging Experian follows the FCRA and the laws that I stated to her are deemed in my right to be granted. The phone # : XXXX XXXX XXXX XXXX XXXX I have requested Pursuant to 15 usc 1681b ( c ), any consumer reporting agency my furnish a consumer report the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I the consumer XXXX XXXX, have never given Experian permission to report anything on my consumer report. No consent is IDENTITY THEFT. I am demanding the removal of this account : XXXX XXXX : XXXX. 
XXXX XXXX : XXXX XXXX XXXX : XXXX I also requested the removal of 2 hard inquiries of XXXX and XXXX on XXXX XX/XX/XXXX XXXX call started ) with Experian Representative XXXX XXXX she proceeded to remove those hard inquiries and said it would take 24hrs. I have allowed Experian time to fix issue in 30 day timeframe and Experian representative assured me all laws within the FCRA will be followed.

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 2020-12-05
Company: JPMORGAN CHASE & CO.
State: KS
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:
Dear Sir/Madam, Good morning! Last month I have paid the full balance of {$4000.00} for my CHASE freedom credit card! But this month I got the statement that I had " PURCHASE '' of {$96.00} in my current statement? Actually it is credit Balance refund. What's more, CHASE COMPANY charge me the INSTEREST CHARGE OF {$24.00} in this month. That is really funny. 

On XX/XX/2020, I paid the full balance for my account with my BOA debit card, and I got the confirmation email from CHASE. But CHASE company RETURNED my payment on purpose, and charged me interest of {$89.00} ( interest charges of {$59.00}, {$17.00} and {$12.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectively. I am sure that Nothing wrong with my BOA account. 

I am really appreciated for your nice consideration and help! XXXX bless you! 
Best regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-07-19
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They first reported it to the credit bureaus. Then I received notice of this debt. I replied back that I have no knowledge of this debt. My XXXX account has a XXXX  balance. This is the third request for them to remove it from my credit file and send proof of debt. They have done neither. If they cant provide me with proof of debt it needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: United Accounts, Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This specific debt collection agency ( United Accounts ) is refusing to  provide validation of the debt owed and the origin of the debt. I've sent numerous certified letters and my attorney has tried to obtain validation of the debt. The company is refusing to provide the information nor are they returning calls. They are claiming that I owe over {$8000.00} which they're reporting to mine and my husband 's 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