BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Federal rights have been violated repeatedly by EXPERIAN on XX/XX/2022 XXXX XXXX Account XXXX was DELETED on EXPERIAN which XXXX have uploadedx proof. 
Experian has ILLEGALLY REINSERTED A Fraud account without anything in writing or proof of verification method this is ILLEGAL A Reporting Violation has been Found They responded to my CFPB on XX/XX/2022 and the unverified information had already been deleted. On XX/XX/2022 they opened an online dispute and reinserted XXXX XXXX on that day this is illegal .why would they system show 4 open disputes on the same day XX/XX/2022 all disputes closed that same day. I have uploaded proof of previous disputes with dates and proof it was deleted on XX/XX/2022. I have rights as a consumer please investigate Experian for this please and thank you. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion Dont forget they closed the dispute same day it was open

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 2019-05-08
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I HAD A MEMBERSHIP WITH XXXX XXXX XXXX, I'VE BEEN TRYING TO CALCEL THIS SERVICE FOR TWO MONTHS. THEY ALWAYS PUT ME ON HOLD AND NEVER RETURN TO THE LINE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$200.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX alance Owed : {$200.00} XXXX XXXXXXXX XXXX I 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 2023-02-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been banking as a " Private Banking '' Chase customer for 34 years. I convinced my new husband to move his accounts there as well. 
I was out of town and got a text asking if I made a transfer for {$4000.00}. I didn't so I said no. 

I then got a call a while later asking if i made a transfer from a certain account.That was not my account but apparently my husbands sole owned account. I told the fraud department to call him not me. They should never have called me because my info is not aligned to that account only joint accounts. 

They didnt call him; denied the transfer and froze him out of all the accounts. 

They refuse to acknowledge or fix the problem. 
They wont even put in writing the situation. 

I can not be legal to call someone that is not aligned with an account and then freeze the account because they won't call the actual owner. 
I have tried to get this fixed but they said they did nothing wrong and will not change anything, I am writing but the name on the account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Bliksum, LLC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This account is included with a amortization of debt. Was court ordered to reaffirm our debt in XXXX of 2018. I have contacted a XXXX XXXX. And was told they would fixed my account payments are being made monthly per our payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: MS
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 notice some inaccurate and incomplete on my credit report last month so I sent XXXX a letter on XXXX disputing the negative information including personal information and inquiries with USPS certified receipt XXXX XXXX XXXX XXXX  XXXX. Have not heard from them regarding this matter, per 15 USC 1681a all items have to be 100 % accurate and complete. I am asking for assistance to speed up the process because it keeps me from buying a home. I sent XXXX and Experian letters as well pertaining to the inaccurate items. 
Experian tracking # XXXX XXXX XXXX XXXX XXXX XXXX tracking # 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 2023-02-03
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : 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 2019-11-07
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our family decided to take the steps to purchase our first home through XXXX XXXX on XX/XX/2019. Our loan officer connected us to Prime Lending XXXX XXXX, DBA Highland Home Loans. MLS # XXXX After being pre approved on XX/XX/2019. We made an offer on XX/XX/2019 and it was accepted by the seller. We paid XXXX in earnest money and XXXX in option money to title Company ( XXXX XXXX ). Following this we paid XXXX for property inspection. We were intially given a close date of XX/XX/2019. XX/XX/XXXX, we were told that the underwriter needed a letter from us to remove dispute verbage on credit report which was recieved and accepted. XX/XX/2019 the loan officer requested a letter explaning student loans debt and letter for child support. Both letters were provided and accepted. Following these request we were advised that our loan needed to be reviewed by a senior underwriter. Additionally we were asked for bank statements on 3 separate occasions, after asking for the docs on the XX/XX/XXXX the realtor and and loan officer started telling us that the closing would be on the 8th now. On the same date of the 30th the loan officer came asking for 401k statements again to show reserves, we gave those then she told me on the XX/XX/XXXX that no answer was ready because the underwriter working my file the day before went home on an emergency. On the XX/XX/XXXX the loan officer contacted us and asked for check stubs for myself and and justification about my short term XXXX and for pic of my husbands college degrees??? She then contacted us a couple hours later saying that if I didnt return to work immediately then we could not close the loan. She then directed me to the realtor who told us that we could not get our Earnest money back and that we may be sued for breech on contract by the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: CA
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 a few accounts that is reporting on my credit report without my consent, without the proper investigation of said companies the bureaus are allowing to be reported on my credit is a violation of my consumer rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: KY
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'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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have obtained my consumer credit report and I have noticed that there is bankruptcy reporting. I have disputed with consumer reporting agencies through phone call and through mail. I was instructed that it was furnished through the court and XXXX XXXX. After contacting them both, the court responded on XX/XX/2021 that they dont report to any credit bureau and on XX/XX/2021, XXXX XXXX responded that they have deleted the bankruptcy from my file after my dispute. I have already sent proof to all 3 consumer reporting agencies through certified USPS mail.

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 2022-01-06
Company: American Credit Acceptance, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I have written to XXXX XXXX, XXXX, and XXXX on several occasions disputing inconsistencies : AMERICAN CREDIT ACCEPTANCE # 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. The credit bureaus continue to state that they have verified the debt. However, XXXX, XXXX, and XXXX are not reporting the same account information. Why is all the provided data different on each credit report? Let this be a formal complaint against XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 2019-10-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I filed bankruptcy on XX/XX/2018. I also filed a reaffirmation agreement for the car loan. That was all received by Citizens. The have written off the entire amount of the loan. It no longer shows on my credit report. I have tried to make payments but there is no account to make payments to. They are claiming I still owe {$3900.00} but I have no way to pay. No address no account no nothing. This has been going on for almost a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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'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 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 non-monetary relief
Consumer complaint received 2019-10-01
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
A purchase was made at the Macy 's store in XXXX, Washington were I signed up for an account at the time of purchase. I currently lived in XXXX, Washington. All account statements from Macy 's were sent to the wrong address in XXXX, Washington. Over the next several months, I did not know about the charge on my account of {$33.00}. The account accumulated over {$60.00} in late fees and penalties. Macy 's made no attempt to contact me about the account balance. Macy 's had my correct email address and could have emailed me about the account statement being passed due but I received no emails in regards to my account. When I filed my taxes, I received a credit report where I saw I had an overdue Macy 's account and my credit score had been reduced by about 100 points. This was the only way I found out about the past due account with Macy 's.

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: Duvera Billing Services, LLC
State: PA
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 is furnishing false and derogatory information on my credit report. They're listing a past due balance of {$820.00} which includes an illegal interest rate of over 188 %. Predatory lending is entirely illegal in the state of Pennsylvania and this is double the original listed loan amount of {$480.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: VA
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:
Unauthorized credit inquiry into my Equifax credit report. My report was locked. I rexeived a letter stating they required me to unlock and provide additional information. I did not comply or respond. 

The inquiry is unauthorized and not legal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: UT
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'm currently trying to apply for a home loan and having troubles with equifax information on my report. I go by my middle name for most information but file all official documents through my complete full name. To make things that much more confusing my father has the same name be he is XXXX. Lenders can pull both XXXX and XXXX files through both my middle name and full name but can't pull anything under equifax. Equifax has my name under file as only my middle name. I originally sent them a letter back XX/XX/XXXX and got a response back. They ended up changing my dad 's name instead of mine. The letter even had my SSN, DOB, DL, and SS Card and they still ended up changing my dad 's name. I have sent them a total of 4 letters stating that they had changed my fathers name and I need my name changed not my fathers. I have called almost 3 to 4 times a week to see if they have received any documents and to see the statues of my name change. They just keep telling me they haven't received anything and to send the letters again. Also I have gotten into equifax just fine and pulled my reports and reviewed everything and everything is correct except for the full name. I need this to be fixed ASAP as we are under contract and close in the middle of XX/XX/XXXX. 
Also side note : their website they keep advertising to me to check the statues of my dispute is BROKEN!!! I can't get anything to come up when I look up my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
I requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. XXXX  and XXXX  said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill XXXX with my name on it

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 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One locked my account due to VPN usage as they thought I was somebody else. I proved my identity and explained everything. They responded by shutting down access to my accounts and all my funds. I have repeatedly contacted them over the course of three weeks but they continue to refuse to tell my anything about my account and just continue to tell me that somebody is working on it, its obvious theres nobody working on it. I can not access any of my funds nor even login to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX of XXXX  I left my phone in a XXXX vehicle. Within a few hours whoever got my phone had drained my bank account., all my information was on my phone still available because I had just used it for my ride and was going to use it to return home. I reported to my bank, I filed a police fraudulent pack but my bank keeps refusing my claim, I did all they asked to cooperate, still I was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: LEXISNEXIS
State: OH
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:
XXXX, 2015 I my car was hit by and insured of XXXX XXXX XXXX XXXX XXXX XXXX The insurance company took liability of their client being at fault. XXXX XXXX is reporting me at fault causing my insurance rate to increase. I spoke XXXX at XXXX and a certified letter is being sent to me to prove that XXXX XXXX is reporting false and incorrect information. I have a copy of the police report showing I was the victim. Esurance claim # : XXXX Adjustor was XXXX XXXX no longer there but XXXX replaced that adjustor her # : PH : XXXX. I only learned of this XXXX XXXX today the reference # : XXXX when getting an insurance quote

Company response to consumer: Closed with explanation