BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: NM
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'M HAVING ALL KINDS OF PROBLEMS GETTING THE CREDIT BUREAUS TO CORRECT ERRORS REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Total Card, 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:
I was a victim of Identity Theft, credit cards were opened in my name fraudulent. Total Card Inc ( TCI ) sold the account to XXXX XXXX XXXX, XXXX, ( XXXX ) when XXXX reached out to me I explain it was Identity Theft. On XX/XX/XXXX, XXXX investigated my dispute and closed the account for Identity Theft XXXX attached ). I received a letter from TCI on XX/XX/XXXX dated XX/XX/XXXX, that TCI did an investigation and I liable for them. I talked to XXXX, she stated the account where not in their office, they were sold to XXXX. Since TCI sold accounts and it was found I wasn't liable for them. I advised XXXX I was going to get a lawyer. Reporting false information to credit bureaus is against the law. 
On XXXX, I talked to XXXX, she advised me to send the reports to XXXX, I agreed but I informed her I was going to CFPB. 
Attached is the police report to show Identity Theft for fraudulent credit cards and unemployment claims by Officer XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
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: Account information incorrect

Complaint:
XXXX XXXX  XXXX Installment Equifax XX/XX/XXXX - {$38.00} {$190.00} XX/XX/XXXX CHARGE-OFF {$250.00} this information is incorrect i have already filed a dispute with the XXXX XXXX, and they have already updated their records and the other two credit companies XXXX and XXXX  have already updated my reports yet equifax has old out dated information, same thing with ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Revolving BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$300.00} - {$150.00} XX/XX/XXXX CHARGE-OFF {$150.00} Individual this account is also out of date this account is not past due it is charged off but the amount past due is not correct there should not be any past due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following inquiries are fraudulent and were not authorized by me. I believe this is an extreme lack of security in your company. I need is a violation I believe this is an extreme lack of security in your company. And a violation of my rights. 

1 ) XXXX XXXX Inquiry : XXXX XXXX, XXXX 2 ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXXnquiry 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 2020-07-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C. SYSTEM, INC put a derogatory mark on my XXXX  credit file. I called them on XX/XX/XXXX the day it posted on XXXX  and they told me I owed XXXX {$190.00} from 2016. I knew I did not because I have 2 accounts with XXXX  from before 2016. XX/XX/XXXX they put a second derogatory mark on my XXXX  credit file for the same {$190.00} for XXXX. XX/XX/XXXX, I called XXXX to verify that I did not owe them anything and they told me that I do not owe them..that my previous accounts with them show a XXXX balance and if I had an account that went into collections it would show on their end that it was written off. 
This collection agency is using excessive tactics to post 2 negative reports on XXXX  for the same {$190.00}. that I do not owe. I asked them for proof that it was my account and they said they could not give me that 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 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new checking account with Capital One in XX/XX/2021, using a {$400.00} bonus offer if two electronic ACH deposits totaling {$1000.00} were made to the account within 60 days. Both deposits were made in a timely fashion, but Capital One will not pay the bonus because they say the transactions were not " initiated '' from the other financial institution. I was told through multiple conversations with Capital One reps on the phone both in XXXX and in XX/XX/2021, that I qualified for the bonus amount. However, when I did not receive the bonus as promised, I contact them and they are refusing to pay. Their advertising material for the bonus offer does not stipulate the transactions must be initiated from the other institution and is extremely unclear and misleading. I received written notification from Capital One they have denied my request to have them pay the bonus in accordance with the terms of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: MA
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:
Disputed two bankruptcy 's on my credit report on XX/XX/2020. Experian did not explain how they received this incorrect information due to the fact that courthouses do not provide this information. If a third party vendor was used, this information is incorrect and not validated. I have written confirmation that the Court did did provide 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 2018-06-21
Company: EQUIFAX, INC.
State: LA
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:
There are inquiries on my credit reports that does not belong to me. I didn't authorize these inquiries. I have contacted the credit bureaus and I have not received any resolution. I have good credit and I am very careful how I utilize my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get our mortgage with US Bank modified for over 2 years. We apply for the modification and a round about ensues every time. We give them the application, they ask for documents, we send documents. They say they need more documents, again and again until so much time has passed that the first documents we sent have expired and we are advised to start the process over. We then eventually get denied but ask to appeal because they deny based on inaccurate information. We try to appeal and they tell us we're better off just reapplying. We are in the process of applying again. The person working our case is horrible. She barely responds to email, and when she does it is almost impossible to understand what she is saying. She often sends blank emails or doesn't answer my questions in the emails she sends. I even have a lawyer and they continue to play around with us. We fell into hardship when my son was born with multiple XXXX. We lost our jobs while he was undergoing XXXX treatment and have not been able to hold full time jobs since. I believe that US Bank is discriminating against us for this reason. We now get social security for my son and although money is tight, we could be paying our mortgage. I think US Bank would rather see us put out on the street than allow us to remain in our home.

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 2020-07-01
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I attempted to call Debt Recovery Solutions and verify a debt that this company placed on all three of the credit reports ( XXXX, XXXX, and XXXX. ) They placed this debt without making contact with me first. I called them and they tried to phish my social security number which was already absurd. They shouldn't have this kind of information as a debt collector. I finally settled with the last 4 of my SSN to prove my identity. They told me what my debt was and I told them I needed verification and they said ok they would send it through mail. It has been over 3 weeks with no sign of the verification. I know for a fact that they have no connection to the original creditor so there is no question that this is a not a legitimate debt. You can also see all the negative reviews the company receives and from my personal conversation with him. You can not just post bogus debts and expect people to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
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:
My name is Mr. XXXX XXXX XXXX XXXX and I am a victim of identity theft. I've notified all three major credit reporting agencies, which consist of XXXX   XXXX Consumer Dispute Center, Experian Dispute Center and XXXX Dispute Center. 

I have also placed freeze alerts with these agencies. I have also filed fraud with my bank, XXXX XXXX XXXX whom issued my wife and I new credit/debit cards and changed all usernames and passwords. I have also filed a police report with XXXX California Police Department. 

After I have reached out to Experian several times now in regards to inaccuracies on my credit report they continue to not only decrease my credit score everytime I dispute an inaccurate account or information but they also will not provide me with the investigation procedures and information they collected to validate the account. 

I requested them to provide in writing the investigation information but get nothing. I am being penalized for disputing inaccuracies on my report. Experian requested documents as proof and I have sent these documents to them, I also sent them my Identity Theft Police Reports and FTC Identity Theft Report, Number:XXXX. 

I have received DATA BREACH letters from Experian and still they will not update and remove inaccurate information from my credit report. This is my last straw trying to work with Experian, as I am trying to purchase a home and the total disregard for account verification has been overwhelming. Experian has dropped my credit score by 14 points, 20 points, 22 points, in the last month with no explanation just seems to decrease everytime I dispute the same incorrect info on my report. There is no change in information, so why does my score keep dropping? I am only disputing info that was already 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 non-monetary relief
Consumer complaint received 2020-09-01
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:
equifax XXXX  XXXX  have all my information wrong attached a copy of the wrong information please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: JPMORGAN CHASE & CO.
State: TN
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NV
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I don't know who this company is. The debt is showing up on my Credit report with a {$0.00} balance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Freedom Mortgage Company
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 status incorrect

Complaint:
Myself and my husband refinanced our current mortgage with Freedom. We decided to stay with Freedom as the process would be easier and it was only to reduce the interest rate. We signed our final papers with a notary on XX/XX/XXXX. The loan was funded on XX/XX/XXXX. Freedom mortgage acknowledges this. But they reported our old loan # XXXX as 30 days late. We were told by Freedom mortgage to not pay XXXX because we would close before the end of the month to which we did. Our new loan # XXXX was effective XX/XX/XXXX with our first payment due XX/XX/XXXX. Not only did Freedom mortgage report us late, but our old loan still shows open. Our credit shows that we have {$780000.00} in mortgages. They have never closed the old loan out. These 2 errors from Freedom Mortgage has severely affected us. As a result of this, 2 credit cards we have have reduced our limits because of this.

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 2020-07-01
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 bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This was a bill generated after they couldn't collect thru my health insurance ; I've asked for more details on this invoice and never got it, also they never provided and specific date or treatment done and cost billed to insurance, as my insurance was valid and covering any treatments at the time. 
Also if it was a deductible, they never specified it in the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in the mail from Carter - Young, a collection agency, about a debt that I DO NOT owe. I called them to dispute the debt and was told unless I can prove I do not owe this debt, I have to pay the charges. I then wrote them again explaining I DO NOT owe this debt and requested a copy of my drivers license, my signature as proof i ordered this service or anything they have to prove this is actually my debt. I have received none of this proof, only a response that I have to prove it is not mine or pay the bill. I have called the original creditor, XXXX, multiple times, waited on hold, spend a total of 1.5 to 2 hours on each call only to be told they have to investigate this and someone will get back in touch with me. No one ever gets back in touch with me. This has now been reported to my credit bureau file and all attempts to have this debt investigated have fallen on deaf ears. I DO NOT OWE THIS!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: State Finance Company
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Came to my job after repeated calls to my job. Spoke with me about my debt in front of my manager, even after my manager repeatedly told her she could not be here contucting her business. This went on for 20 minutes. The name of this business 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 2021-04-07
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
I closed an account and its still showing that I just opened it and yet they still never showed that I payed it off TEN TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: JPMORGAN CHASE & CO.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 my credit card account was used to make a purchase from XXXX for {$2000.00}, discovered this transaction after being out of the state and stuck due to Covid 19, reported the said transaction on XX/XX/2020 and Chase bank denied my claim insisting the charge was authorized and non fraudulent. 

How can charge be authorized when I haven't been home for months, I expect my card company to protect me when such a thing happens instead of standing behind a fraudulent charge. Horrible, Horrible service!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: ALLY FINANCIAL 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 information incorrect

Complaint:
I had an auto loan with Ally financial with a XXXX XXXX XXXX. I lost my income for about 3 months and the vehicle was repossessed a day before I had all the money to pay Ally but they did not want to negotiate or work together. I attempted to settle that balance XXXX of XXXX and they told me to contact a third party collector by the name of XXXX. XXXX explained to me that the balance would be considered paid in full and Ally will report the balance as zero, paid in full and closed. After 60 days my report reflects a remaining balance still of now {$3800.00}. I have contacted XXXX and they claim it has been done but not according to my report. The confirmation number for payoff is XXXX with XXXX. The account number with Ally 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 explanation