BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Currently, XXXX  and XXXX  a public record ( Bankruptcy ) that is not accurate and incorrect. I have sent letters multiple time over the pass five years to get this corrected and most recently called XXXX  directly about the issue. I have contacted the courts and they can not find the case number, I spoke with the chief clerk of the court and she stated that they did not report this information to the credit bureaus, in fact she stated that they don't report any cases to the credit bureaus. I have asked both companies to tell me who provided them this information and refused to do so, however, they continued to lie and say they got this information from the courts. They also have accounts list with inaccurate information that are listed multiple times with different statuses. They have collections listed that I have continued to dispute that have missing data which I have never done business with. I have sent disputes to Equifax about reporting inaccurate information just to be told they verified the information as accurate and I no it's not. I understand you ask for dates, however, I'm XXXX veteran who suffers from XXXX XXXX XXXX and my memory is affected, so I just ask you to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a XX/XX/2022 but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2019-09-03
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Honda financial representative named XXXX said if i didnt make a payment that night that Honda was going to tow my car. I have three payments left. I told my local Honda dealership XXXX XXXX XXXX XXXX Pennsylvania I felt like I had a gun to my head he was unethical and it caused me great fear and anxiety XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$360.00} XXXX XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following account had fraudulent charges made on it and it is reporting as open when it is in fact closed. Also they are reporting the account as a factoring company account which it is not also the account was re-aged as well and they do not list the date of last activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA-XXXX  Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$4600.00} Type of Account : Open Credit Limit : Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$4600.00} Date Reported : XX/XX/XXXX Amount Past Due : {$4600.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : 42 Creditor Classification : Banking Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Collection account 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CA NR NR CA NR XXXX NR NR NR NR NR NR NR NR NR NR CA NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters i continued to receive in the mail. I have never heard from the place before, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX {$430.00} XXXX   XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted XXXX, XXXX, and transunion I sent documents fax and also mail letters to them I also contacted a few companies about this matter yet I still on my credit report and I would like for it to be removed.

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 2018-09-04
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2018 i received a credit report from XXXX XXXX XXXX that list debt i dint have knowledge of. So on XX/XX/18 i sent a dispute letter by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/18 i sent a follow up letter requesting debit validation to the address above i still have not received a response. on XX/XX/2018 i sent a dispute letter to XXXX asking for validation of debit, in XX/XX/2018 XXXX   responded validating the debit. i am not sure how this was correct because this debit IS NOT MINE.i have never done business or had service with this company before. this company is in violation of the FDCPA act and my consumer rights.

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 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
AFTER REVIEWING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIED THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FFROM MY 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 2019-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Despite my effort bank of emerica prepaid add card jas made it impossible to argue an enourmous amount of unauthorized charges to my bank of america XXXX  card and refused to give the temp credit always given in the case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Reference original CFPB Complaint ID XXXX. 
Citibank did respond, but did not follow through. They said for me to provide documentation in order to me to get reimbursed for the bounced check fees from my other bank - that Citibank caused - but I have not heard from them. It's been over 3 weeks. Their email says that they will review it with 'the highest priority '.

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 monetary relief
Consumer complaint received 2019-06-21
Company: AES/PHEAA
State: OR
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:
On XX/XX/18 all of my student loan accounts reported by FedLoan Servicing were incorrectly reported as XXXX days late and continue to be reported as XXXX days late on all of my credit reports. These accounts were paid in full after being one month late due to paperwork issues and continue to be in good standing. I have called FedLoan Servicing to try to resolve the issue and they have told me that I paid the late amount after one month and that it should not affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2019 I received a notification from XXXX XXXX stating I had a new inquiry on my credit from CBNA. I also received several txt and a voice mail from Citi that I had to call regarding my application. I never filled out an application on XX/XX/2019 for credit of any source and with no one. I never gave my consent. I did call and they say they dont know.

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 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My last name has a typo that needs to be corrected. My last name has an " A '' at the end, not an " O ''. 
This typo seems like an alias which I don't have or use or need to use ever. 
This last name has a typo most likely made by a clerk unbeknownst to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My last name has a typo that needs to be corrected. My last name has an " A '' at the end, not an " O ''. 
This typo seems like an alias which I don't have or use or need to use ever. 
This last name has a typo most likely made by a clerk unbeknownst to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: I.C. System, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts on both XXXX and XXXX are fraud. I did not open up any of these accounts listed below so I should not be accountable for them. Ive been dealing with fraud for a very long time and its time for all of this to get squared away. 
XXXX XXXX XXXX ( XXXX XXXX ) I C System ( XXXX ) XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
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:
experian, XXXX  and XXXX completed investigations of 5 school loan accounts that are negative, credit destroying accounts.I disputed them as not mine.they are not mine ;, all 3 investigation  summaries are attached.experian came back certified that they are mine.both XXXX  and XXXX verified that they are mine.THEY ARE NOT MINE! 
EITHER IT IS ID THEFT OR MORE LIKELY THE " UNEDUCATED '' DEPT OF EDUCATION 'S FAULT.I CALLED THEM AND THEY REFERRED ME TO THEIR COLLECTOR SAYING THEY HAVE NO INFORMATION.I UNDERSTAND I CAN SUE THE CREDIT BUREAUS FOR KEEPING FALSE INFORMATION ON MY REPORT AFTER INVESTIGATION WHICH I MAY PURSUE. 
I have attached the investigation paperwork from 31 days ago. 
I want them suppressed immediately, then permanently removed from my credit files and history.The community service Police of XXXX XXXX will be at my house shortly to take a police report and investigate.

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 2020-04-30
Company: Experian Information Solutions Inc.
State: NV
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/2020, I settled/paid off two closed XXXX XXXX accounts on my account. XXXX XXXX even mailed me confirmation letters advising each account has been paid off. My credit report with XXXX, Experian, and XXXX  has yet to be updated showing {$0.00} balances on my two closed accounts with XXXX XXXX. I've disputed the listed balances on my account multiple times and it has yet to be corrected.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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/2020, I settled/paid off two closed XXXX XXXX accounts on my account. XXXX XXXX even mailed me confirmation letters advising each account has been paid off. My credit report with XXXX, XXXX, and Transunion has yet to be updated showing {$0.00} balances on my two closed accounts with XXXX XXXX. I've disputed the listed balances on my account multiple times and it has yet to be corrected.

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 2019-06-21
Company: Ability Recovery Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts on both XXXX  and XXXX are fraud. I did not open up any of these accounts listed below so I should not be accountable for them. Ive been dealing with fraud for a very long time and its time for all of this to get squared away. 
Ability Recovery Service ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX  XXXX  ( XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 filed my initial complaint with Capital One first week of XX/XX/XXXX disputing a charge made to my credit card on XX/XX/XXXX for {$320.00}. 

Capital Once did not reply to my complaint until XX/XX/XXXX, by letter ( attaching letter here ), requesting additional information by XX/XX/XXXX about my claim. They said I could provide my docs via fax # or mail. 

On XX/XX/XXXX I faxed the information they requested in their XXXX letter and the documentation supporting my claim to the fax # Capital One provided and got auto confirmation that the fax was received. ( attaching documentation here ) When I did not hear back from Capital One, I followed up again on XX/XX/XXXX by phone, and spoke with a representative who apologized for the lack of responsiveness and said that due to COVID and their new work from home arrangements that they have been slow to respond and could have misplaced my XX/XX/XXXX fax. 
. 
The rep did not mention on this XX/XX/XXXX call that I missed my XX/XX/XXXX deadline or that it was too late to provide documents. But instead told me to instead resend my documentation electronically to a link they provided. 

On XX/XX/XXXX I uploaded the claim documentation electronically to the link the representative provided. 

The following day on XX/XX/XXXX I followed up again to ensure they got the electronic files, and the representative on the phone said that my dispute was closed and resolved not in my favor. And said that they released the {$320.00} payment to the merchant. So even though the charge was frozen from XX/XX/XXXX to XX/XX/XXXX, I have now been charged without any proper research. 

When I spoke with the rep on XX/XX/XXXX, they did not tell me that the {$320.00} was going to be released or that I missed the XX/XX/XXXX deadline. Nor did they review any of my documentation which clearly shows all correspondence with the merchant and why the {$320.00} was not a valid charge. 

They closed the claim without any research or due diligence and did not communicate with me at all during the process, without my initiation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ive been using Southwest Chase credit card since XXXX, maintained well like my other cards i paid on time never missed any payments my credit score is  about 760 and decided to get chase business credit card applied on XXXX XXXX then i waited for couple days havent heard anything till XXXX XXXX i woke up and checked my email and saw email sent from chase saying they are closed my southwest chase account I thought it must be a mistake checked my account through chase mobile app works and called to ask whats going on they transferred me back and forth finally got explanation of " you applied multiple credit cards short period of time '' i have total of only 5 open accounts couple " hard inquiries '' including this closed account now my credit score is  dropped by 6 points these points are fine i can accept it but can't accept closed account report that stays 10 years on my credit history. Lastly they refunded XXXX $ annual credit card fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. 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