BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
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:
There two fraudulent accounts that Experian is currently reporting on my credit file.One is XXXX Account number XXXX Credit limit {$6100.00} Balance {$000.00}. The other one is XXXX XXXX XXXX XXXX XXXX limit {$6000.00} Balance {$000.00} Both accounts are closed. I dont own these accounts I believe that those accounts are due to fraud. I have contacted Experian several times asking them to block those two accounts and or remove them from my credit file, since the accounts are due to fraud. Unfortunately Experian is not responding properly I have been asked by Experian to upload supporting documents on their website which I did several times, after each upload I call Experian to get confirmation but theyre keep telling me that either the upload was not successful or its only been uploaded partially. After unsuccessful uploads I did certified mail, After several mails they have finally confirmed receipt of documents. However those two accounts are still reporting on my file and Experian is not giving me a relevant answer why are those accounts can not be removed or blocked.

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 2021-02-09
Company: EQUIFAX, INC.
State: VA
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:
I tried setting an account with XXXX XXXX, and it stated that in quote " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I need this fixed if possible so that I can monitor my credit actively. Its seems that my address or social security could be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Credit Protection Association, L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive daily phone calls from this phone number : XXXX. I do not owe any debt or have any relatives that this could be related to, so I'm convinced it is a scam. They leave me voicemails daily, it is harrassment and I'd like it to stop. 


Hi this message is for *******. If this is not ****** Please call us back at XXXX. To have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX. Please refer to account reference number XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again our phone number is XXXX. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Credit Karma, LLC
State: VA
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:
I tried setting an account with credit karma, and it stated that in quote " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I need this fixed if possible so that I can monitor my credit actively. Its seems that my address or social security could be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Rocket Mortgage, LLC
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:
I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE SIX INQUIRYS ON MY CREDIT REPORT THAT AN UNKNOWN COMPANY DENIED APPLICATION ON ME I DID NOT SUBMIT I HAVE NOT ASK FOR ANY CREDIT IN TEN YEARS I DON'T NEED ANYMORE CREDIT I HAVE PUT A FREEZE ON MY CREDIT REPORTS ; BUT I KEEP GETTING COMPANIES LYING AND USING MY EXCELLENT CREDIT IDENTITY WITHOUT MY AUTHORIZE CONSENT

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 2021-02-09
Company: Caliber Home Loans, 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: Public record information inaccurate

Complaint:
My mothers home went into foreclosure when I was a minor.i didn't live there. The mortgage company sued my mother and put my name in the documents.now I have a foreclosure on my credit report.my name is not on the deed or anything connected to the home.they were instructed by the judge to remove my name in 2019 and haven't

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
File Number : XXXX I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize.<br> XXXX XXXX via XXXX  XX/XX/XXXX<br> XXXX   XX/XX/XXXX<br> XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX<br> XX/XX/XXXX<br> XX/XX/XXXX<br> XXXX XXXX XXXX XX/XX/XXXX<br> XX/XX/XXXX<br> XX/XX/XXXX<br><br> XXXX XX/XX/XXXX<br><br> XXXX XXXX XX/XX/XXXX<br><br> XXXX   XXXX XX/XX/XXXX<br><br> XXXX XXXX   XX/XX/XXXX<br><br> XXXX XX/XX/XXXX<br><br> XXXX  XX/XX/XXXX<br><br> These inquires need to be deleted from my credit reports 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 2021-02-09
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX : {$340.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX XXXX : {$780.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX : {$670.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete immediately. 

XXXX XXXX XXXX XXXX : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX XXXX Balance Owed : {$620.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete 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 2021-02-09
Company: Experian Information Solutions Inc.
State: PA
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 disputed an item for which I have not received a bill or and am not aware of a valid debt ; however, it reports as a collection item for Experian. They have not done proper due diligence or provided any support to me to support keeping the item on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I filed and submitted a FTC report to Equifax XXXX XXXX XXXX regarding creditor : XXXX XXXX XXXX XXXX that appeared on my credit report. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family. 

P.S I have intention on filing legal proceedings against Equifax and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2021 after checking my account balance with JC Penny I found a charge of XXXX. It also states that I now owe a current balance of XXXX. My credit limit is only XXXX. I have included all relevant i formation for your view as well as recebt interest charges leading up to XX/XX/2021. I have never been late on any payment and have exceptional payment history. I would like this removed and would no longer like to have any association with. These are fradulent fees and I would appreciate not being taken advantage of. As you will see from my previous billing statements attached, it was reported to my credit report as a balance of XXXX which is also reported across all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-19
Company: Client Services, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
No credit card billing statement received XX/XX/XXXX. First notice of debt was from a collections ( Client Services )XX/XX/XXXX. Multiple calls to Client Services and XXXX XXXX ( XXXX XXXX Credit Card ) telling them that no statements had ever been received (XX/XX/XXXX). Dispute initiated, initial charges paid ( XX/XX/XXXX ) in good faith by customer to XXXX XXXX despite not having received a billing statement. XXXX XXXX indicates initial statement XX/XX/XXXX sent was undeliverable and returned. Address used by XXXX XXXX   is the same exact address used by Client Services for their notice of collections on XX/XX/XXXX. Billing statements received after fifth request XX/XX/XXXX, address on statements is the same as the address on the XX/XX/XXXX Client Services collections notification.

Multiple Calls to XXXX XXXX failing to resolve issue. Collections company switched to XXXX XXXX XXXX   XX/XX/XXXX, second dispute initiated. XXXX XXXX  wants late fees and interest which I find inappropriate due to lack of notification.

see enclosures ( 6 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: One Technologies, LP
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
We have been charged XXXX every month from XX/XX/XXXX to XX/XX/XXXX by " XXXX ''. We never signed up for any service or product from XXXX. We called them and asked them to stop all charges and refund our money. They said that they would " try ''. We have no idea how this company gained access to our bank account information. We did not give it to them. This company was fine XXXX XXXX for this fraud in XXXX and it needs to happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Capital Accounts, LLC
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I filed and submitted a FTC report to XXXX Credit Reporting Agency regarding creditor : XXXX XXXX XXXX XXXX that appeared on my credit report. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family. 

P.S I have intention on filing legal proceedings against XXXX  and XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, I have been having constant problems with Navient and my " Private Loans '' for the last 7 years. I have been badgered and harassed by this company and when i explain to the people calling that I cant afford the payments they want they just say that they cant help me. I basically am in financial ruin because these loans have tanked my credit so bad that it is hard for me to provide for me, my wife, and XXXX kids. 

I have taken care of my federal loans and they are with XXXX  XXXX servicing, but they have two of my loans that are Private loans. And you are XXXX  me over!! 

I know there are plans out there for help in payments, but I was never offered any options, except for a laugh in the face and saying that there was nothing they can do and saying I was refusing to make a payment ... .. " A LIE!!! '' If they really did recorded the phone calls they would have all the conversations of me saying that I needed help and couldn't afford to make their payments. 
I thought I had a grasp on things last year but it just cam to my knowledge that it wasn't. I need this fixed yesterday. 

I want answers, I want fixes, I want things to be reported like they should be on my credit report now. I am so done. I will stand up and fight because I am done being pushed around by everyone that I have talked to from this company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I filed a dispute on XX/XX/XXXX due to a cancellation of a reserved trip from XXXX because of XXXX. I was charged {$440.00} on XX/XX/XXXX and XX/XX/XXXX, a total of {$880.00}. I filed a dispute with my bank on XX/XX/XXXX. After months, it was denied and they did not explain why. I want to reopen my case from my bank Wells Fargo and turn in paperwork of proof of my payments. 
I had another dispute case from them for the same reason. This dispute was for {$900.00}, became a provisional credit and eventually became permanent. I do not understand why this case was approved and the other was denied when all charges came from the same merchant, 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 2019-04-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Portfolio Recovery opened a debt collection of {$2100.00} from the original creditor XXXX XXXX XXXX XXXX XXXX. After 2 disputes and saying my dispute was resolved they would not remove this debt that does not belong to me. I asked them to show me information or signature to show the debt was mine. They sent me a a letter stating that any more attempts to dispute this debt will go ignored for it's a valid debt. I shredded the paper cause I thought I was stuck with a debt until someone told me about the cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
( 1 ) H

eartland ECSI is the service provider. Their customer service representatives give different information about the matter, no one is consistent with the answer. ( 2 ) I've been making payments to my loan and they rarely report this the credit bureaus. From time to time, they report to XXXX, and when they do, the information is incomplete and inaccurate. In addition, since they rarely report, they remove the account from the credit report, thus constantly affecting my credit history and score. ( 3 ) They only report ( when they do -- and its not on a monthly or bi-monthly basis ) to XXXX. ( 4 ) Their processing fees are ridiculous. No matter which payment method you pick, if it's not a recurring payment -- they charge you a fee. This is a student loan not a title loan or a private loan. This is unacceptable. ( 5 ) They don't communicate effectively. No notifications are sent when amounts are due. ( 6 ) My account homepage lacks so much information that -- I've made payments in full of the amount due -- and 10 days later I login to find a new balance ( {$6.00} ) and there is no statement or description of the new charge. ( 7 ) The information reported on this account is inaccurate -- balances, payment history, payment am
ounts, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
I submitted a claim to Experian 's fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items were not removed despite my demand. Please remove these accounts from my credit report or I will have to proceed with further litigations.

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