BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: Netspend Corporation
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, XXXX at XXXX XXXX  est. i received a text message from Netspend stating there was suspicious activity on my account. I called Netspend and spoke with a Rep. asking if I placed a virtual account on my checking account on XX/XX/XXXX and the Rep. asked if i placed a virtual card on my checking account and I advised the Rep. that I would not place any virtual cards on my checking account, the virtual card placed on my checking account was unauthorized for the amount of {$99.00} and XXXX and a total of {$310.00} from XXXX and a XXXX account, My account was hacked and the Rep. stated I would need to close my account, there was an investigation that XXXX sent in 2 invoices with an attached virtual card to my checking account, the Bank XXXX stated I would need to change my password. on XX/XX/XXXX my checking account was hacked again for {$51.00} from XXXX that was refunded back to my checking account which was overdraft fees. Netspend Dispute Department provided 2 invoices from XXXX that were fraudulent invoices with a fraudulent phone number. I contacted XXXX and the Rep. gave their actual email address and stated they could only block the unauthorized virtual cards. Netspend refused to take the virtual card app off of my checking account and Could not provide any proof of the payments totalling {$310.00} and denied on 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 explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. 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..I would like these items be removed from my credit report 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 2023-06-06
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/23, I was notified that my Choice Privileges Visa card with Barclays would convert to a Choice Privileges Mastercard with XXXX XXXX on XX/XX/23. On XX/XX/23, I mailed the attached cashier 's check in the amount of {$8600.00}, with the attached XXXX statement to Barclays. On XX/XX/23, the cashier 's check cleared my bank, but was not credited to my account prior to converting to XXXX XXXX on XX/XX/23. The attached May statement from XXXX XXXX for the period XX/XX/23 to XX/XX/23 does not reflect the $ XXXX made to Barclay on XX/XX/23, and includes additional interest.

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 2023-06-06
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have contacted Selene Finance and they have told me if I can reinstate the past due mortgage balance, the terms of the loan will continue the same. Since my past due mortgage is in the amount of +/- {$94000.00}, they will accept {$50000.00} from HAF and the rest from a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
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: Information belongs to someone else

Complaint:
I am in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. 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..I would like these items be removed from my credit report XXXX XXXX, XXXX XXXX   XXXX/XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2017-12-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was a chase business credit card, card holder. 
I was suppose to receive cash back for my gas purchases. 
I was not receiving it. 
I Contacted chase. 
After several months of being reassured that the issue would be taken care of and being sent to different chase employees I was told that because the card was n't actually going in the fuel pump machine and the company I was purchasing the fuel from was charging once a week that chase would not being giving me my percentage on fuel purchases although it clearly stated the company as being an oil company. I felt as though chase owed me money and they were refusing to pay me so I refused to pay them. 
Chase started calling me trying to receive payment and it might have even be an outside agency that was calling me. After receiving threats on these calls I decided to contact a law firm that I found on the internet. ( XXXX XXXX XXXX ) This firm supposedly started dealing with chase but it was a long process and I eventually quit dealing with the firm because I felt they were just draining me for money. Today I contacted chase to try and receive information and maybe workout a resolution. I asked to speak to a manager and when I got to him I was told that he could not give me any information on the account because a lawyer was listed on the account information. 
I was recently told by someone that checked my credit report that chase had reported in XX/XX/XXXX a charge off. 
I also remember receiving a XXXX from chase that I sent to the lawyer regarding the charge off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I use to lease a XXXX XXXX XXXX hybrid til XX/XX/XXXX this year. It was a 3 year lease. I have never missed a payment. Their website has a auto pay feature, I had enrolled in it for payment. Payment use to vary slightly every month. 
This varying payment is controlled by them. Once fine day, there was a 'payment delinquent ' report issue by toyota on my credit file due to a {$99.00} shortage over a period of 4 months. I informed them about the whoe issue and got them to fix my credit. 

After few months, again in XX/XX/2019 they had sent some confusing statements and shwoing that I am $ XXXX/XXXX short. I called up their call center thrice. Everytime i was told to ignore this letter and my account is settled and this was a mistake. I see that my account is again marked delinquent for payment for that month in my credit file. They constantly abuse customers credit. 

I have wrote to them many time on their twitter suport, emailed them, called them, they dont seem to be fixing this. Now it is affecting my mortgage rates. Shouldnt they be paying me for the mortgage rate loss due to their mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: NC
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:
sent a letter asking Experian, XXXX, and XXXX to investigate my accounts, XXXX, XXXX XXXX XXXX Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
I have all the evidence attach below.

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 2019-06-10
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Certified/Return Mail was sent to this creditor, Diversified Consultant requesting that the account # XXXX for the amount of {$180.00} since XX/XX/2019 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Diversified Consultant must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2019-06-10
Company: EQUIFAX, INC.
State: NC
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 in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. 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..I would like these items be removed from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2022-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Bepensa Capital, Inc.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt owed to Afs Acceptance Llc has been paid in full. Credit report states the debt is paid in full as well. However, account remains on credit report of all Credit Bureaus. 

Requesting that this account be removed from all three Credit Bureaus. 

Ive contacted AFS Acceptance LLC previously and no help was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Someone used my card fraudulently and I was told while they investigated I would receive temp credit hasnt happen

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked for verification of this account. From the XXXX directly and from the credit bureaus From the XXXX I requested a copy of any documents provided bearing my signature. Copy of original contract. Any documentation that verifies loan is mine. Never received anything from them Contacted credit bureaus. 
Asked for the description of the procedure used to determine the accuracy of the information Name and address of person contacted regarding this account. A copy of any document showing that I legally binding contractual obligations to pay them the amount claimed

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 2022-03-10
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:
XXXX accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage

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 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 the victim of fraud and your company is reporting inaccurate information to credit agencies. I demand you cease and dismiss the closed accounts, I only recently learned about while trying to open real accounts. Remove all the closed account Infofmation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2014 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-06-10
Company: Experian Information Solutions Inc.
State: KS
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:
Specifically, Experian is a credit reporting agency. It is there to rate consumers on their credit worthiness. What they actually do is take one small incident, and turn it into an excuse to sell you " credit repair '' services. Further, they suggest that me having two credit cards that I do not utilize makes me a credit risk. They stipulate that " high performers '' are shown to have 10 or more open lines of personal credit ( i.e. lots of credit cards ). They end up the " expalnation '' of my derogatory credit rating with advertisements for obtaining more credcit cards.

This is wrong. They are in the credit reporting business, but they are really in the sale of debt business. One small {$150.00} medical bill, that I have paid by way, does not justify an all out war on my credit rating. Experian are practically extortionists, and need to be reined in and held accountable to their non-profit status. They are in the business of credit reporting, but are strong-arming consumers into accepting false services for reasons that really make poor finiancial sense. Why on earth would I need so many credit cards, or get a car loan if I do not need to, or pay a  XXXX TX doctor 's billing office calling you from XXXX because they are quite clearly not on the up and up??? 

That is why I didn't initially pay my one delinquent medical bill, because I did not trust the doctor. But Experian is worse than this. They want me to sign up for more new credit cards. I have held my credit cards for over 20 years. I have long established credit, yet Experian says I am a credit risk. They are clearly not right, otherwise my credit cards would have been cancelled by the bank ages ago. 

Experian services need to be investigated. It seems they are engaged in conflicts of interest and misleading business practices.

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