BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: DISCOVER BANK
State: PA
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 initially contacted the company in regards to a charge on the account that was not honored at the location. They responded with a company generated mail stating that the charge was valid because it was made through my account. Responding to that, I stated it was in fact made by my account, however it was not honored at the location. I was told that the tickets were already used. I told him it was not possible because I just arrived. The clerk stated that I can dispute it but i would have to purchase another ticket to get in. I went to purchase another set of tickets with my spouse 's card and was told by that clerk as well to dispute the charge when i get home. 

I showed documentation that I had paid for the tickets via other to the card company, but I was responded to with the same merchant documentation that it was non refundable and that the tickets was emailed to my account. I responded again telling them that I 'm not disputing that I did n't make the purchase, I 'm disputing that I was not allowed in with the tickets that were provided. They responded with " we are sorry your dispute did n't yield the resolution you desired '' and closed the case. 

I do n't believe anyone actually looked into the case, because if they did, they can see that the documentation that the merchant provided was computer generated. Further Discover themselves generated their own non human response and called it a day. 

My only thought is that I made the purchase on a public computer at my hotel. I also printed the tickets there as well where I initially had problems printing.Neither I or the hotel can be sure that this was the reason to this, but the park also did not request ID upon entrance. So basically if anyone had access to that wrong printout, they were able to enter the park in place of me, leading to my ticket, if i went after them, to be invalid. 

Please help with this situation, this is a substantial amount and is not something that can just be paid off by me and just move forward, especially when i had to pay twice for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is reporting the said company " XXXX  XXXX '' on my credit report, which is damaging to my FICO scores. 
Below is what XXXX XXXX replied in response to the original dispute complaint we received from the CFPB. 
( See Sentence # 11 ) XXXX CLOSED THIS ACCOUNT __________________________________________________________ We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information. We have located XXXX accounts for you in our office. XXXX placed an account in our office on XXXX/XXXX/XXXX to collect a balance of {$420.00} on their behalf. On XXXX/XXXX/XXXX, we received your request for validation. The account was placed into a dispute status and collection efforts were suspended. On XXXX/XXXX/XXXX, the documentation for the XXXX account was mailed to you. The account remained in a disputed status. On XXXX/XXXX/XXXX, we received letter from you asking to see something you signed stating you owe XXXX  and money. XXXX XXXX is a third party collection agency, XXXX placed the account with our office to collect the past due balance owed. XXXX CLOSED THIS ACCOUNT in our office and returned to our client, XXXX. We can confirm that we requested our information for this account to be removed from the credit bureaus on XXXX/XXXX/XXXX. Please contact XXXX directly for further assistance regarding that account. On XXXX/XXXX/XXXX, Florida XXXX and XXXX XXXX placed an account in our office to collect a balance of {$110.00} on their behalf. This is the first communication we have received on behalf of this account. We have requested validation of this account to be mailed to the address you provided to the CFPB. The account has been placed into a disputed status and collection efforts have been suspended. We have filed a request of deletion, via the credit bureaus, for removal of all trade line entries from your credit report for the Florida XXXX and XXXX XXXX account. The AUD control # is XXXX. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXXXXXXXXXX ; Kind regards, Compliance Representative at XXXX  XXXX, XXXXad to say about said account : Below is a CFPB response also, Equifax is not acknowledging that XXXX XXXX has supposedly notified Equifax to remove blemish account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
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:
ACCOUNTS WAS OPEN IN MY NAME I NEVER THIS COULD HAPPEN

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 2017-11-08
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: Reporting company used your report improperly

Complaint:
Summary : XXXX XXXX XXXX XXXX XXXX XXXX ran a hard credit inquiry against my account without my authorization and after I explicitly informed them that I do NOT consent to a credit check. 

Details : While shopping for home internet service in  XX/XX/XXXX, I was considering XXXX XXXX XXXX. Presumably because I configured an order on their website, but not did not conclude the transaction, XXXX XXXX XXXX ran a credit check. 
I later concluded my research and placed an order with XXXX XXXX XXXX on XX/XX/XXXX. I placed the order via telephone. I avoided the website as I wanted to explicitly inform XXXX XXXX XXXX that I would only place the order if they agreed not to run another credit inquiry. The representative agreed to that. She informed me that instead of asking for my social security number, a driver 's license number would suffice. I again asked if the drivers license number would be used to run a credit inquiry. She replied in the negative. The order was placed and I have now seen that XXXX XXXX XXXX did, in fact, run a credit inquiry through Equifax. I believe XXXX XXXX XXXX used information they collected previously, or through information contained in my account as an XXXX XXXX XXXX XXXX customer to access my credit report ( s ) without my consent. 
The relief I am seeking is that those inquiries ( both XX/XX/XXXX and XX/XX/XXXX ) be removed from my Equifax file. 
I did call XXXX XXXX XXXX but was routed from one department to another, with representatives telling me each time that " the system '' just runs the credit checks and they have no control over it. 
I realize this may seem like a trivial matter. However, we have worked hard to earn and protect our credit scores. XXXX XXXX XXXX 's actions have made a material impact on my current score and, moreover, their blatant disregard for a consumer 's stated directives should not stand. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: SC
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 sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as update and correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Evaluate this reporting by revising the information provided. Modify and perform any corrections or CORRECT this from my file. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this fixed 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 non-monetary relief
Consumer complaint received 2022-03-07
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report : XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a validation letter to XXXX XXXX on XX/XX/XXXX. I received a letter indicating that the debt was valid. I found multiple issues with there findings which are listed below : 1. The last payment date on the payment history report is XX/XX/XXXX but the loan was not disbursed until XX/XX/XXXX. 
2. The first transaction was listed as XX/XX/XXXX, again that does not match the last payment date of XX/XX/XXXX 3. They have a signed contract without a date but a signature with a date of XX/XX/XXXX but the contract date was XX/XX/XXXX. 
4. On the Disclosure Statement of repayment, the disclosure date is for XX/XX/XXXX but the disbursed date is on XX/XX/XXXX. 

Clearly, these dates are not matching up.

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 2017-11-08
Company: LendingPoint Holdings LLC
State: PA
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:
On XX/X/17 I received an email from LendingPoint LLC stating that my application for a loan had been denied. The email contained numerous pieces of personal information including my name, home address, and credit score via XXXX. I have never sought a loan from this company and have never authorized any hard credit pull of my account by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: I.C. System, 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 have contacted I C Systems about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX ILLINOIS, a utility provider in the state of Illinois placed to collections : I C SYSTEMS is inaccurate because I have never lived in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX XXXX  with the same amount {$940.00}. I disputed it with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX & XXXX are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & XXXX Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting I C System several times they have not done anything to remove this incorrect information from my credit report.

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 2019-06-24
Company: Total Card, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a Credit card through total visa. They charged me {$89.00} for processing fee and {$75.00} for annual fee. I paid both before I received the card. The first card took a month to receive so I called in to report card lost. They issued out a second card on XX/XX/XXXX I received the second card approximately XX/XX/XXXX or XX/XX/XXXX. I was not able to create online account to view billing statement because I was waiting on second card to arrive. After the fees were taken out I had a balance of {$220.00} I used the card on XX/XX/XXXX XXXX. On XX/XX/XXXX I tried to use card again it declined. I called total visa they stated I didnt pay {$39.00} on XX/XX/XXXX half of {$75.00} annual fee. I stated how can I pay {$39.00} when I knew nothing about it because I never received the card or disclosure. This company Is a rip-off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Investigation took more than 30 days

Complaint:
I faxed, emailed, and uploaded all of my information regarding the Identity theft as instructed by the CFPB and none of the bureaus have responded AT ALL. XXXX sent me a letter refusing to do the investigation alleging that I wasn't me! even though I followed the FCRA instructions to the letter. I called XXXX and it turned into a sales pitch to buy there protection or their monitoring service. This should be illegal I read and learn how to follow the proper channels and the decided that unless I pay for their service Im just stuck by definition this is extortion. The big 3 bureaus have an immense power and they seem to have no police except YOU the CFPB. I need these bureaus to follow the rules and not just decide that they are not going to investigate because the form I filled out and the letter I wrote came from the internet. I choose the words that the FCRA said I should use, What is a consumer to do?

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: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I live in XXXX Texas and someone else used my card in Utah at XXXX XXXX time and one time at XXXX XXXX onXX/XX/XXXX I reported it on XX/XX/XXXX.They said that no error occurred and all transactions are valid.I have never been to Utah in my life.They took XXXX from me and this was my paycheck. And this was with skylight one 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 2017-11-08
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:
The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX.
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.

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 2022-03-07
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 status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-11-08
Company: EQUIFAX, 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:
The credit repositories should correct the XXXX XXXX XXXX  Loan XXXX on my credit report.
The correct information for XXXX XXXX XXXX loan is the following : 1. The last payment on loan XXXX was in XX/XX/XXXX. 
2. The loan XXXX was accelerated in XX/XX/XXXX, there were n't any monthly payments due after XX/XX/XXXX.
3. The last activity on loan XXXX was in XX/XX/XXXX.
4. XXXX XXXX XXXX DID NOT transfer/sell loan XXXX in XX/XX/XXXX. This remark should be removed from my credit report.
5. The current status of loan XXXX is not 180 days past due or 120-149 past due. The CURRENT STATUS of loan XXXX should not reflect any past due payments.
6. The loan 's current status should reflect XXXX amount due, XXXX monthly payment, and no payments due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX to XX/XX/XXXX reflect on my credit reports showing late payments from Capital One. 
I recently contacted Capital One and spoke with a representative, they say its a recorded line so may be able to pull this call to listen. I spoke with a woman representative and asked for the CEO of Capital One email address. The representative put me on hold and came back to ask me why I needed the email. 
I told her that I needed to get late payments removed from my account due to me being out of work on short term disability. She then told me that they will be removed and my credit report should reflect this information in 30 days. 
I then received a letter in the mail stating Capital One is not going to delete the late payments. 
This is an unfair business practice to first tell me in a recorded line that the late payments are going to be deleted from my credit file and then send me a letter saying they will not be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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 status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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