BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dates of problem : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I placed a credit freeze at all three credit bureaus after my information was compromised during the theft of XXXX XXXX  and military service member data several years ago, Recently, in a transaction with my bank, the bank needed to pull my Experian credit report. I went to experian.com/freeze and requested the freeze be temporarily lifted. The system displayed a message that my session had expired and directed me to return to the login page. I did so and reentered the information again. Then I received an error message that said that a request to unfreeze my credit report was already submitted. However, when my bank tried to pull the credit report, they received an error that it was still frozen. 

I have tried this several times, without success. Finally, I tried to contact Experian to speak to a customer service representative to resolve. However, there is no method to speak to a person. I was sent through a number of menus to finally arrive at a recorded message to direct me to submit information in writing. So, that is what I am resolved to doing. 

Experian needs to fix their online freeze/unfreeze system.

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 2023-02-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

as a consumer I notified the furnisher indirectly through the CFPB of my dispute/complaint. XXXX  XXXX, XXXX XXXX along with EXPERIAN all failed to follow The FCRA. 

The complaint that was chosen to be ignored was XXXX. 

delete all accounts listed below because a reasonable reinvestigation was never complete with 30 days.

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 2020-11-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

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 2019-02-28
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Tuesday, XX/XX/2019 I received a call from a gentleman name XXXX from Hunter Warfield, he stated he was a debt collector and that I owed money from an apartment rental. I explained to him that this information is fraudulent and I have no knowledge of any such rental. He stated he was sending me an identity theft affidavit to have it notarized and returned. However, he never supplied me with this information. I would not like this fraudulent information reported on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ask company to verify a debt in my name that was said i owed they did not send the proper documentation to verify the bill using section 609 in the FCRA, The amount of debt is XXXX. The company sent a bill that was in my name, no original document with my signature on it. This account is being falsely reported to the credit bureaus on a monthly basis.

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 2019-02-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2019 Chase denied credit based on a number of accounts opened in a 2 year period reference # XXXX and not my credit worthiness. The reason the other accounts were opened is due to companies competing with lower rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Integrated Recovery Services
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This person has called me, my wife, and my mother trying to collect a debt. They have not sent me any documentation on the debt and I have refused to give my personal information due to the fact that I do not know if this company is a scam. I looked this number up online and many sites list it as a scammer number. Also, I have no outstanding debts and thus I would have nothing in collection to be called about. So, I know it's bogus.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
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: Information belongs to someone else

Complaint:
It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

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 2018-04-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have requested multiple times to have Experian remove the address XXXX XXXX XXXX off of my credit report as it has never been my address. I have sent out requests to have this deleted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested other dates but I don't have the certified mail receipts for those dates. Each time they would send me a letter informing me that I would have to contact the furnisher of the 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 2021-09-01
Company: EQUIFAX, INC.
State: TN
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: NY
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 enrolled in XXXX, the free service provided by Experian due to the data breach, I was one of the affected customers. I logged into my account and there is a hard inquiry that I did not initiate or authorize, for a rental company based in XXXX, MA. I am a homeowner in NY. I attempted to resolve this online with Experians dispute process. Their website shows that you can not despite inquiries online and provides a phone number to call. I called that number : there is no option for a dispute. I repeatedly said dispute and dispute inquiry on the recorded line, and this answer/option was not available. This in and of itself is a huge consumer issue : direct the consumer to dispute fraudulent, identity theft inquiries by a phone number, and then that phone number does not offer that option. Pressing 0 and attempting to speak to someone was also not an available option. That number is XXXX XXXX. Then I called Experian customer service main number. tel : XXXX. Again, disputing an inquiry was not an option in the automated system, and pressing zero or attempting to speak to someone was not accepted. This is also a major legal issue. Hard inquiries impact my consumer credit score. Experience should not be permitted to not provide any way- online or via phone - to disputed inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The XXXX XXXX made unfair charges without evidence for almost two years. 
They could not provide any proof for any damage. They sent two page inspection report after two years with any inspector company name or signature. 

The car was under lease in best condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was contacted via mail and was given the option to settle my debt from XXXX   XXXX for {$460.00}. 
I am unable to pay them nor will I for the following reasons : 1 ) they were double and triple dipping into my bank account then sending the checks back as fraud because they claimed to have no knowledge of me having a bank account 2 ) I paid them for months but never had any money put back on my card 3 ) my credit cards from XXXX XXXX XXXX and XXXXt XXXX were stolen and when I called to cancel the cards I was brushed off with Snyde comments and then was told that my account was closed due to lack of payments and that they couldnt protect my security by closing my full account, yet am still being billed via phone for over {$80000.00} when I only owe just over {$3000.00} then when I called to complain about this the same man who was asking for {$80000.00} said that they were not aware that this was going on. 
4 ) because of their double and triple dipping into my accounts and irresponsibility they now owe me a total of over {$300000.00}. 
5 ) I was moving last year when they called to threaten me over a fraudulent amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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 was already charged XXXX point for a XXXX medical bill, now charged another XXXX points for the same medical bill. My credit had gone from XXXX to XXXX in one month. Also I have XXXX, no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: World Acceptance Corporation
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: Account information incorrect

Complaint:
This account has been paid off and has a XXXX balance, I have tried to call the corporate office to speak to someone but the line disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a statement in the on or about the second week of XX/XX/2019 from HSBC bank. This account was fraudulently opened under my name, using my home address, date of birth, and social security number. After calling the customer service department at the bank, they told me to send a letter with the details and they would close out the account. I also went to a local branch and talked with the senior branch manger to get the account closed. She promised me this would be taken care of within 5-7 business days. On or about the second week of XXXX I received my second statement that the account was still open and getting interest. I then called the local branch manager to let her know the account was still opened, and she told me per her corporate office it sometimes takes longer to close out an account under these circumstances. I have not heard back from her as of today XX/XX/2019..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-04-17
Company: Experian Information Solutions 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 non-monetary relief
Consumer complaint received 2018-12-12
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 very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax 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 as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Background - Went to court because my former business partner stopped paying me in XX/XX/XXXX per our buyout agreement. I've been living on my savings since XX/XX/XXXX. Wasn't able to make my mortgage payments in XX/XX/XXXX and XXXX XXXX sold my loan to Rushmore Loan Management, a debt collector, in XX/XX/XXXX. My lawsuit was resolved in the fall of XX/XX/XXXX where I receive half the amount I was receiving originally. 
Rushmore required {$5000.00} for an initial deposit and increased my monthly payment from approximately {$3300.00} to {$4700.00} per month based on a 7 % fixed interest rate. Rushmore is ruining our credit score and profiting from our problems. 
I am XXXX years old. If my former partner honored our buyout agreement, I would not be in this situation. My attorney fees were in excess of {$100000.00} and took over 2 years to reach a reduced agreement. 
I've requested that Rushmore modify our loan and add the {$33000.00} outstanding balance to our loan amount to take us out of foreclosure status. They have not done that. They don't return calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions 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 am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.

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 2019-02-28
Company: Credit Karma, LLC
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted the application Credit Karma due to information published from lenders for my current student loans reflecting an increase to the interest of those loans but all loans showing in current status and in Deferment or Forbearance. My score recently dropped XXXX points due to the reporting from these lenders of the interest accrual. I reached out to the lenders and was advised that my score should not have been affected due to the up to date status of my loans. I reached out to Credit Karma and was told it was due to the balance increase and that was the reason for the drop in score which was inaccurate.

Company response to consumer: Closed with explanation