BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax will not allow me to view my Dispute information now that its finished. I type in my personal information, go through a verification process and they state that they can not verify me. Its me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: GA
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 contacted this company to dispute a Bankruptcy on my credit report that is not correct. Per FCRA my credit file must be investigated per request. I received a letter stating that the incorrect information on my credit file was verified, but I disagree. I called the court house here in XXXX, and they stated they don't give out court case information to credit agencies. I then contacted XXXX XXXX who the company " claimed '' they validated the information with. XXXX XXXX has no history of the bankruptcy on their file for me either. So my question is how was this certified and verified by this 3rd party company if they have no record of this. This is fraudulent and your incorrect reporting is damaging my ability to get a home. Please remove this inaccurate, unverifiable information from my credit file immediately to avoid escalation to the FTC for various FCRA violations

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 2022-12-14
Company: BARCLAYS BANK DELAWARE
State: NM
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:
This is an addendum to CFPB Complaint # XXXX. Attached is an addendum to XXXX XXXX Police Department XXXX # XXXX, filed on XX/XX/2022. The credit card institution 's, Barclays US Office of the President, has not replied to repeated communication attempts regarding the CFPB regulatory complaint. The complainant is going on record that payment of the disputed XXXX  credit card charge is being withheld by the complainant.

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 2019-10-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2019-03-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF IDENTITY THEFT. There were accounts open in my name. I notified the company in writing by sending them notarized identity theft forms and statements, and a multitude of correspondence, yet the fraudulent accounts still remain on my credit report in violation of Federal Law. They stated in both the first investigation as well as the re-investigation that they verified that those accounts and that they were being reported correctly, which was COMPLETELY UNTRUE!! I then, demanded that this company not only tell me who verified these accounts as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), I demanded to know the method of verification as required under Section 611 ( a ) ( 7 ). I also requested that this company send me a copy of the original creditors documentation, or ANY original documentation ( a consumer contract with my signature on it ) as they are required under FCRA to keep a copy in their files to verify that this information is mine and correct. THEY DID NOT DO ANY OF THE ABOVE. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Pursuant to section 605B they are required to BLOCK the fraudulent information on my credit report resulting from identity theft within 4 business days and notify the furnisher of that information, in which they HAVE NOT DONE! THE LAW IS VERY CLEAR AND THEY FAIL TO COMPLY WITH FEDERAL LAW. I have made MULTIPLE attempts to have them delete these fraudulent accounts that were the result of identity theft, off of my credit report, yet the accounts still remain, and this company continues to violate my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Capital Accounts, LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I was contacted by Capitol Accounts stating that they owned the rights to a medical debt not covered by my insurance and that had caused a derogatory mark on my credit report. 
Having an agreement with the representative to pay the amount in full and in return have the collection removed from my report, I paid the balance. Not only was the derogatory remark not removed as agreed, it still reflects the original balance that was already paid. I contacted capitol accounts via phone to rectify the issue but kept getting place on hold indefinitely, which I believe is intentional. I also tried communicating via mail but to no avail. I do have proof of the payment via my bank statement if they want to challenge this dispute..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
A flight to XXXX via XXXX XXXX that my wife and I were on was cancelled mid flight and returned to XXXX. We were put on another plane, took off and, again, returned. We were rebooked on a flight the next day thus incurring costs for transportation and meals. These costs were to be covered by the Chase Sapphire Preferred card which we had used to make and pay for the reservation. The costs, with receipts totaling {$380.00} were submitted. We were then asked to provide additional information, which we did to the best of our ability. They then asked for more information, some of which had already been submitted. We submitted further information. We were then asked again for further information and responded to the best of our ability. They declared they had not gotten sufficient information and I submitted a complaint like this XXXX to CFPB which became identified as XXXX which you closed because you felt that the provider had fulfilled its requirements and, apparently, that I had not. This is an incorrect summary. 
Chase continues to ask for the same information which we have, each time, provided in different forms, none of which has been acceptable to them. The facts are simple : a flight was canceled ( a matter of airline record ) ; we were rescheduled the next day and did fly that flight ; we encountered costs during the layover that are covered by the card and submitted receipts as requested. I ask that the CFPB reopen the question and pursue how this issue can be brought to mutual satisfaction. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: ALEXANDER-ROSE ASSOC, 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:
Applied for a home loan and was informed that there was a collection on my account. Upon reviewing the item listed, I determined that it dosent belong to me. 

XXXX XXXX Reported in XX/XX/XXXX. Opened XX/XX/XXXX with a balance of {$8700.00}, placed in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
State: AZ
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 disputed this collection on this XXXX XXXX XXXX XXXX  XXXX XXXX for months.XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2021-04-29
Company: Receivables Performance Management, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  XXXX charged my credit card for a service I did not order. It was done without my knowledge, using my name, social security #, an address not mine, and an incorrect email address. I called their fraud dept. and was assured it would be corrected. After it was not, I wrote the president of the company and was assured by his assistant that it would be taken care of. It wasn't and it went to first collection agency. I explained to them and send backup attachments that it was not my account. A few months later I get contacted by a second collection agency. I again sent attachments proving it wasn't my account and that was that. Just now I have been contacted by my cyber protection company that another collections company wants me to pay even more money for a debt I do not owe. They suggested I call XXXX and get it straightened out. The third collections agency has let the credit ratings companies and my credit rating has plummeted. My credit card company has also contacted me that the money that had originally been reversed from my card is back on the account.

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 2023-02-20
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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied to open capital one 360 account online but they declined to open it without any valid reason or provide any kind of reasoning. 

It is a third class bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
On my credit report thru experian has my birth year as XXXX and that is incorrect its XXXX I have disputed this with them and it has not been changed

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 2019-03-26
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been actively paying on my student loan for 1 year. The payment plan I'm on doesnt even cover the monthly interest. I've paid {$2500.00} since XX/XX/XXXX and my balance continues to increase. I was never made aware that my payment wouldn't even cover the interest. I called XX/XX/XXXX to ask about the income based repayment plan because I heard it can forgive your balance after 25 years. The representative quickly deferred my payment which is not what I wanted to do. I didnt want the interest capitalized on the loan so I paid {$390.00} that day. I've been paying for 1 year and my balance has only increased. When will I ever get out of debt? My loan 's graduated loan payment doesnt increase until XX/XX/XXXX and at that time it only goes up by {$24.00} which will still not touch the principal. Navient failed to adequately explain my options and never warned me that my loan balance would continue to increase for several years even while I make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XXXX and additional letters on XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 never had an account with XXXX XXXX ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. This collection needs to be DELETED as soon as possible.

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 2018-10-18
Company: JPMORGAN CHASE & CO.
State: FL
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:
1. Sometime early XX/XX/XXXX after moving to the USA from XXXX I lost connection to my online Chase accounts. I received letters from Chase concerning strange activities on the account but was unable to identify what these were until Chase sent me a detailed account in XX/XX/XXXX. It was then I noticed the suspicious activity ( deposits and expenses ) on both credit cards. 
2. Before sending the statement Chase had suspended the cards and I subsequently shredded the cards. 
3. I communicated in writing to Chase Credit Card Services about my concerns but they never replied. 
4. I never made the deposits or the expenses I have identified as fraudulent.

5. Having not worked since XX/XX/XXXX, when I resigned from the Federal Government, there is absolutely no way I could have made a deposit in the magnitude that is reflected on those credit card statements. 
6. A study of my purchasing pattern would also reveal that I have never made purchases in the magnitude reflected on those statements. 
7. I have had these cards for several years and I have never had a late payment on them, before this situation developed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reached out to the Credit Bureaus multiple times to dispute some inaccurate accounts but have not received any correspondence from them concerning these issues. I sent letters on XXXX and additional letters on XXXX. Amounts are for {$13000.00}, {$9200.00} and {$22.00}, XXXX. I paid to have these items tracked on the second disputes because I never heard anything back and wanted to provide proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: NJ
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 previous address was XXXX XXXX XXXX XXXX XXXX NJ XXXX, which is correct, however they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX making it sound like a apartment instead of a single family home, which is wrong. Instead of deleting it, Experian puts it as an update, keeping it on my record. What is so hard for them to understand that's it's wrong and I want it off my record. I've complained at least 3 times about this and they are not budging.

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 2023-05-11
Company: DISCOVER BANK
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The investigation took longer than 30 days. I have attached the dispute letters I sent to XXXX, XXXX, and XXXX which date my First letter to XX/XX/23 and my second letter to XX/XX/23.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: TX
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 to the fair rights reporting act : XXXX BXXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX have all violated my rights. 

15 U.S.C. 1681 section 602 A : states I have a right to privacy.

15 U.S.C. 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Self Financial Inc.
State: NJ
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:
In XX/XX/2019 XXXX added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, XXXX has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company response to consumer: Closed with explanation