BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: Experian Information Solutions 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:
Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate 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 non-monetary relief
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: AR
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 HAD 2 COLLECTIONS ON MY CREDIT REPORTS AND TRIED 4 TIMES TO GET THE ITEMS REMOVED FROM EQUIFAX BUT EXQUIFAX REFUSES TO REMOVE THE ITEMS. TXXXX AND XXXX REMOVED THE ITEMS ON MY FIRST ATTEMPT WRITING TO THEM. 
EQUIFAX REFUSES TO REMOVE THE ITEMS I DEMANDED TO RECEIVE VERIFABLE PROOF 4 TIMES FROM EQUIFAX BUT EQUIFAX REFUSES TO COMPLY WITH FEDERAL LAW. ALL EQUIFAX SAYS IS THAT IT WAS VERIFIED. THE TWO ITEM I WANTED REMOVED WAS XXXX XXXX THAT WAS REPORTING A BILL FROM XXXX XXXX FOR XXXX DOLLARS. THE SECOND ITEM WAS FROM XXXX XXXX XXXX REPORTING A BILL FROM XXXX XXXX FOR XXXX DOLLARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
My Capital One Credit Card was the billing option I listed for my 2019 Car Insurance with XXXX - Northeast. I cancelled this insurance in XXXX of 2019, however the company has continued to bill me - I've called, email, mailed them, etc. seperately. 

I have individually disputed {$790.00} worth of credit card charges made from XXXX on XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have emailed Capital One, attempted to call, and reached out through the web portal. I have received no response to my disputes OR to my other attempts to contact, despite Capital One taking the time to send me repeated bills, attempt to charge my interest and late fees, and report me to the credit burue. 

This is my last attempt at contact before hiring an attorney and seeking damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
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: Account status incorrect

Complaint:
I had applied for a COVID Forebeance with XXXX and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.

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 2022-02-07
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 status incorrect

Complaint:
I had applied for a COVID Forebeance with XXXX and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA XX/XX/XXXX* ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CA 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 2022-02-07
Company: Experian Information Solutions Inc.
State: MI
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:
Experian has reported information and obtained information from companies other than myself without my written consent. No consent is identity theft. I did not give Experian my written consent to do so. Experian is in violation of 15 U.S. Code 1681b, 15 U.S. Code 1611, and 18 U.S. Code 1028A. Attached are items that has been reported without my consent Experian please send me a copy of the letter that I handwritten and gave you, my permission.

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 2019-10-01
Company: Experian Information Solutions Inc.
State: IL
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 Experian to remove the inquiries off my record that I dont recognize and told them all of the inquiries doesnt have my WET-INK signature required by Law pursuant to the FDCR Act except for one that I can verify. But they did not comply and act according to the Law.

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 2022-02-07
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report 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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX. I have noticed an incorrect and unauthorized item appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 paid my Macy 's credit card on XX/XX/2018 through XXXX XXXX XXXX checking account XXXX, the total amount is {$500.00}. ( attachment 1 ) On XX/XX/2018 XXXX XXXX XXXX told me my checking account had a risk of fraud transaction, and on XX/XX/2018 I closed the checking account XXXX ( attachment 2 ) Macy 's insisted the payment return to my bank during the XX/XX/2018. and asked me to provide bank statement of XX/XX/XXXX.-XX/XX/2018. I talked to XXXX, they tell me they can only provide me the closing document to show Macy 's and it is impossible to receiving any money to a closing checking account. 
Macy 's didn't try to find out a way to find out my money and keep asking me to provide information I couldn't. so here I provide all the evident to approve I didn't receive the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Affiliate Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2019. Amount {$430.00}. Contacted the company with violations an invoice and cease an desist letter 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7  years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.

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 2018-01-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase is an exchange for digital assets. As part of the registration process, they require a payment method to be verified by customer sending small verification amount to Coinbase bank account from the customer 's bank account. This amount is supposed to be added to the customer personal coinbase wallet in a few business days. Following the instructions, on XX/XX/XXXX I sent XXXX EUR with a SEPA transfer ( this is like XXXX in XXXX ) to their bank account with the exact verification code they provided - XXXX. That amount was never recognized or returned. I logged a Support Case ID : XXXX on XX/XX/XXXX and followed up regularly every 2 weeks to which their support either did not  respond or responded with irrelevant auto-generated text. I understand that they may have loads of support cases, but 2 months without even an initial response is a demonstration of either discrimination by country of origin or simply intentions for theft if small amount and expecting people to give up seeking the service. The problem is aggravated as they also collect personal information - national ID or Driving License and do not provide the unsatisfied customer a way to clear these up upon split-up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: IL
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:
ON XX/XX/XXXX I MAILED A GOOD WILL LETTER TO ALL THREE CREDIT REPORTING AGENCIES, XXXX. EXPERIAN AND XXXX XXXX ABOUT MY BANKRUPTCY FILING OF A CHAPTER XXXX ON XX/XX/XXXX. THIS BANKRUPTCY WILL BE XXXX YEARS OLD IN XX/XX/XXXX. I WAS NOTIFYING THEM TO GET A RESPONSE ABOUT THIS MATTER BECAUSE I RECENTLY TRIED TO GET A INCREASE ON MY CREDIT CARD AND WAS DENIED BASED ON THAT BANKRUPTCY STATUS. I WANT TO KNOW WAS DO THAT HAVE TO HOLD THIS AGAINST ME AND THIS IS XX/XX/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 2021-09-16
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:
I sent Experian notice of Identity Theft with instructions to block the information. 
Experian removed the information which is evidence of violations of 15 USC 1681e. 
Experian reinserted information which was known to be in connection with identity theft after removing said information from my consumer file. I have not seen or been presented with evidence showing proper notice was made for the reinsertion of the information which is a violation of 15 USC 1681i ( a ) ( 5 ) ( C ).

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 2019-05-07
Company: WELLS FARGO & COMPANY
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:
I noticed inquires by Wells Fargo on my credit report that I didnt not 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 2019-05-03
Company: Comerica
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I paid XXXX using XXXX XXXX and CoAmerica prepaid debit card in late XXXX but before XX/XX/XXXX and XXXX stated they didn't get the money and canceled my personal insurance on my personal car

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Purchased eye glasses through a company called XXXX. Glasses were paid. Now they keep sending a false account to different debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have ordered my 3 annual credit bureau reports for two years now. Items that were discharged in Chapter XXXX bankruptcy are supposed to drop off my credit report after 7 years, yet, these items continue to appear on my credit report and are affecting my credit score and preventing me from obtaining credit, buying a car, a house and getting a job. I have notified the 3 credit bureaus last year and again this year and the response is that I can not dispute the same items twice. The credit bureaus are not abiding by the law when it comes to bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Hosto & Buchan, PLLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WENT TO COURT AND IT WAS RESCHEDUL AND I WERE NEVER CALLED BACK TO COURT, THE NEXT THING I GOT PAPERS WHERE THE JUDGE HAD RULE ON THEIR PART AND I WERE ORDER TO PAY. AND IT WERE ON MY CREDIT REPORT. COURT WERE RESET FOR XXXX-2008

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our loan thru XXXX XXXX XXXX originated in XX/XX/XXXX and we sold/given to Select Portfolio Servicing in XX/XX/XXXX. From day 1 the informtion was input incorrect. 
SPS made an error when reading and in outting the information in there system. There was a modification that deferred XXXX. However SPS decided to add the XXXX on top of the total prinicpal balance making our loan balance increase by XXXX. Thus has given us incorrect numbers from the first day. I have requested them to fix the issue and even had to file chapter XXXX to avoid losing my home. They give me every reason under the sun as to why I am wrong and they are correct. Nobody says that same thing, they all give a diffrerent reason for the balance being so high.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent two cease and desist letters to XXXX XXXX XXXX concerning a debt that is past the statute of limitations. One letter was sent on XXXX XXXX, XXXX another letter was sent XXXX XXXX, XXXX. The debt collector has ignored my requests to cease and desist. The most recent phone call is on 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 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to place a freeze on my report with Equifax due to data breach at approx XXXX on XXXX2017 via Equifax online website form. I entered all required info and website stated there was an error processing. I assumed it was because I was on my phone so I tried to place freeze using my desktop computer. I again entered my info but it is now showing that freeze did go through, however I was not given a 10 digit PIN #. I now have no way to unfreeze this account. I 've tried contacting Equifax but I can not reach an actual person at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Texas Guaranteed
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX/2018 I called the company to respond to a demand letter. 
There were many personal questions they were asking including information about my medical history and prescriptions.

Company response to consumer: Closed with explanation