BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX  was filed on XX/XX/XXXX. XXXX XXXX  was converted in XX/XX/XXXX due to loss of income under XXXX. XXXX XXXX was discharged in XX/XX/XXXX. Credit bureau and secondary reporting sources are reporting this information incorrectly as XXXX XXXX XXXX being filed XX/XX/XXXX, which is incorrect, as a XXXX XXXX  is not open for 3 years. The account number varies on all platforms as the conversion added additional characters to the end of the account number. Clerk of courts do not verify this information, and the bureaus are using a third party system XXXX  to verify, which does not mean that the information listed is accurate, as in this case. This is being used in lieu of officially verifying correct details through the clerk of courts who do not physically furnish any details to reporting agencies regarding a consumer 's filing. The following accounts were included in the bankruptcy and should also be removed as they are identified as being included the bankruptcy which was required by law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate reporting of the bankruptcy violates my rights under FCRA under the following codes : 15 U.S.C. 1681 Section 602 ( A ) 15 U.S.C. Section 604 ( A ) ( 2 ). 

Please do not utilize electronic verification via XXXX as the information reported is indeed incorrect, as it does not reflect the correct filing chapter/status as indicated above so reviewing this information for accuracy will still provide inaccurate information which is the issue. The only way to confirm this information directly is via the Clerk Of Court. I have already confirmed with the Clerk of Court that no such verification is provided to credit reporting bureaus, which means there is no way to accurately verify this information with a live person as the automated systems of XXXX XXXX XXXX XXXX , are incorrect. Utilizing these services as verifiable, would continue to violate my rights and go against fair and accurate reporting. XXXX has removed the Bankruptcy from their system based on the information reflected above as there is no way to officially verify the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NC
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:
Equifax has damaged my credit file the entire month of XX/XX/2022 as you will see some days it dropped over XXXX points, twice, then jumped up over XXXX points some days- and they continue to decline my score even though I have 100 % payment history on over 15 accounts! the only derogatory issues I have are from almost 8 years Ago on XXXX, And XXXX years ago! And my score is a XXXX today! This is appalling and embarrassing, a XXXX with perfect payment history for years! 

I feel my account continues to be in jeopardy and I need help correcting this! The attachments show my perfect and in good standing record and they still are assigning me a XXXX! This is wrong! 

Please help and get my credit file fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
The below listed accounts with XXXX were deleted and are not on my credit report. These accounts should NOT be reporting with XXXX or Experian either and need to be DELETED IMMEDIATELY. They are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A phone conversation on XX/XX/2022 with XXXX disputing accounts confirmed that these accounts were no longer reporting and were deleted XXXX That phone conversation 's confirmation # is 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 2023-07-22
Company: JPMORGAN CHASE & CO.
State: UT
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:
For 10 years I have had all of my personal and business credit cards with Chase. One of my businesses with a partner is closing so I called Chase about that card which had a {$2000.00} balance but has never been late. They offered me a settlement plan for 90 % of the balance, which payments I have made on time according to the schedule. I asked repeatedly if this would affect my other Chase cards, was told it would not, and a week later 3 of my remaining 4 Chase credit cards were closed without notice. 

Upon execution of a settlement agreement the amount owed under the plan supersedes any prior balances and becomes the agreed upon amount that will be paid to Chase, in full satisfaction of the debt. After execution of that agreement a refund was issued to my card by a vendor that had mistakenly charged the card for a subscription. It was refunded to the closed account which I can no longer use and am making payments on. Chase 's position is that the refund applies to the balance, which is greater than the amount I owe anyways, and can not be applied to the payments I'm making to Chase. I've talked to like 10 people at Chase and have been told that " there isn't necessarily documentation '' that says that they get to keep the money, " it's policy. '' I've had multiple other Chase employees say that it's not fair, but after talking to a " supervisor '' that just is what it is. It's only {$50.00}, it's not going to make or break me, but Chase is keeping what I view as my money, no one there can explain around the legal principles I've presented as to why it's actually their money, they just are the ones who have it so are keeping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account Balance on XXXX is Low .. said connect to my banks to fix the problem

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX is not following the consumer law. They violated my Hippa rights and I didnt give them any written instructions to put my medical records on my credit report I have a right to privacy my medical records are personal.. please investigate and show me the file you have from my medical doctor. You are in several violation

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 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are twoXX/XX/XXXX card accounts listed on my account, the first with a {$1600.00} credit limit and a close date of XX/XX/XXXX, but a last payment date of XX/XX/XXXX and pays as agrees status through XX/XX/XXXX. These late payments are incorrect and should be removed, but they have not been. Is is apparent they are incorrect as the dates do not line up and there is no payment information for the times the account was actually open. The second account is listed as a charge off paid on XX/XX/XXXX and opened in XXXX, but with no pays as agreed information and no credit amounts listed, only two 30 days past, one 60 days, one 90, and then a charge off, in XX/XX/XXXX. This account was in good standing until it was closed, and that should reflect on 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 2017-06-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Chase bank is failing to send updated transaction information to the company XXXX so that I may receive money for the hours I have worked in the week. Failing to do so is causing the bank to send me a fee for not having money in my account, but if they sent the info like they are supposed to, I would n't be charged the fee. They are essentially stealing from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received Comenity Bank XXXX XXXX XXXX Mastercard in XX/XX/2022. I used it a few times and then it was repeatedly denied. I hadn't even received my first statement. Called the number ( XXXX ) on the card. Went through a menu with no answers and asked to be connected with a customer service representative. The menu said I was being connected but then I get a message that says I am calling an invalid number and the call ends! I tried this a few times. Then I created an online account and tried to message them on their website for help. It was just a bot responding with no answers, except just referring me to the same number on the back of the card. I wrote to the bank but no response in 3 weeks. The bill is due soon so I tried to access my online account but I'm locked out of it. I tried to change the password but it says there's no such account number. There are more charges but I can't see them. I am worried about giving them by bank info over the phone to do an electronic payment since it doesn't seem like a real credit card. I called the number again today ( about 3 weeks after my first attempts at calling ) and I still get the same message that the number doesn't work. I sent in a payment through my bank but it takes about 9 days to transfer for some reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have submitted police reports to all three bureaus stating to them that someone stole my identity. I was waiting on directive from attorney before submitting police reports. I have disputed these items time and time again due to identity theft. I wish for these items to come off of my report immediately. I am seeking a resolve in this matter!

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
The below listed accounts with XXXX were deleted and are not on my credit report. These accounts should NOT be reporting with Transunion or XXXX either and need to be DELETED IMMEDIATELY. They are as follows : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A phone conversation on XX/XX/2022 with XXXX disputing accounts confirmed that these accounts were no longer reporting and were deleted XXXX That phone conversation 's confirmation # is 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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-09-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XXXX is and has always been in good standing but XXXX is the problem!

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 2022-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I demanded updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your absence of reply, or responses which I categorize as frivolous, you have dishonoured FCRA regulations and my request for verification. If you request to correct this dishonour, I will give you one further chance to correct your faults and update my records. Please CORRECT the accounts, as they are already amended from the other bureaus. You have 30 days to CORRECT these accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-06
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: Account status incorrect

Complaint:
Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XXXX is and has always been in good standing but XXXX is the problem!

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 2019-08-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I received a message to call a certain number about a court summons to collect a debt. I called and got transferred to XXXX. He stated that they have been sending me the summons through the mail and as to why I haven't responded. I stated that I have not received anything. I asked him to tell what the documents said and resend them. He said he couldn't send them again. He told me the amount that was owed and he can try to give me a payment plan. I didn't have my account information so I would call tomorrow. I called again on XX/XX/2019. Spoke with XXXX again and I told him I wanted more information on the debt and the original creditor. I asked him if he was a lawyer/ law firm or if they were a collection agency. He said he was a paralegal. Last night I went home and looked up the FTC. SO I told him that. That's when he got very stand offish with me. He said he was under the impression that I wanted to do the payment plan. I told him I just want more information on the original creditor. He raised his voice and said well now our office is hesitant to do business with you since it sounds like you are hesitant to do business with us. We will continue the legal proceedings so good luck with that. He then just hung up on me. I called back and I got transferred to him but he did not pick up and sent me straight to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Credit Clearing House of America, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I noticed a collection on my credit report from CREDIT CLEARINGHOUSE FOR  XXXX . THEY NEVER NOTIFIED ME IN ADVANCE STATING THAT THEY WERE PUTTING ANYTHING ON MY CREDIT. I am not aware of this account. I sent for validation of this debt and a CEASE AND DESIST TO CREDIT CLEARINGHOUSE. THEY JUST IGNORED ME AND NOW THEY ARE CALLING ME OVER AND OVER. THEY ARE IN VIOLATION OF SEC  809B  IF THE FDCPA

Company response to consumer: Closed
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief