BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
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 never opened credit card with XXXX  XXXX XXXX, which I confirmed twice with the bank. The experian credit report showed that Under my name, there is a XXXX  XXXX XXXX credit card with payment made on time each month since 2013. I cleared dont have this credit card nor made the payments. I filed a dispute, experian just made an updates but didnot delete this account. 
This is the second time they mixed up my report with someone else. 
It happened before, it was the same XXXX XXXX XXXX credit card poped up, I filed the dispute and they removed 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 explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX {$550.00} XXXX  XXXX {$720.00} XXXX  / XXXX {$0.00} XXXX  XXXX {$0.00} XXXX {$1100.00} XXXX  / XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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:
Inquired about being a co signer for a relative company promised for a soft pull which then added a hard inquiry and I wasnt a co signer my relative was approved on his own, they never needed me now I have all these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS IS NOT A DUPLICATE Im resubmitting this complaint against XXXX, XXXX, and Transunion due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

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 2019-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are fraudulent XXXX {$550.00} XXXX XXXX   {$610.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX XXXX   {$2100.00} XXXX XXXX {$100.00} XXXX XXXX {$100.00} XXXX XXXX   {$500.00} XXXX XXXX {$100.00} XXXX {$1800.00} XXXX {$2000.00} XXXX XXXX {$740.00}

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX of this year I transferred money from my bank of XXXXXXXX XXXX to Carrington mortgage services their Bank was XXXX I transferred {$3300.00} on XXXXXXXX XXXX business days later they stay they still have not received the funds I've already confirmed with my bank that the funds have been received I can confirm with an XXXX number and confirmation number that their bank has received the funds of initially did all the leg work for them I've contacted Carrington mortgage services and asked if they could please update my account to prove that the payment has arrived or if they could verify the payment is in their account they seem to be unaffected and verifying this and unhelpful. I spoke to an agent ID number XXXX they're escalation agent was unhelpful to be honest I already did the work to verify the funds have been transferred to their account but they seem to insist that I should wait longer and that they never received the funds I've already contacted my bank to look into this further but this is something that is makes me feel very uneasy for my mortgage company to think that's customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CIG FINANCIAL LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pursuant to the Truth In Lending Act, there is Criminal Liability for willful and knowing violations. CIG Financial admits to theft ( referring to this act as repossession ), as well as demanding cash payment on an open end consumer credit transaction. Ignorance of the Law does not permit corrupt behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-09-13
Company: CBC Companies, Inc.
State: LA
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 sent in a letter to Innovis explaining how I only wanted one address which I have the right to do. The letter has My current address as well as a picture of my id and a proof of address. I will be attaching that document to this complaint, the problem is they are asking for more documentation that is not required. All that is required is a picture of my id and proof of address and the last 4 of my social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: ENCORE CAPITAL GROUP INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
i called XXXX XXXX credit card to resolve this and they said i could not pay them and the account had been deleted but they are telling XXXX that the account is correct and that i am missing payments and they report to the credit s every month that it is a charge off and they have sold the account to XXXX XXXX so i called them to pay off the account but they said they had trans fered it to some one else so they could not take the money put they are telling experian the account is correct but i cant pay ether of them so i have ask them to be removed if they cant take payments on the accounts how do i fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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

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 2021-11-12
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX STATE OF OHIO Date Updated : XX/XX/2021 XXXX Date Updated : XX/XX/2021

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 2023-10-07
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received my statement for Comenity The Children 's Place charge card. I paid the card off last month, XXXX. It was surprising when I received a statement with an interest charge of {$2.00}. 

I called and spoke to a representative. I asked her how can I accumulate interest on a XXXX balance. She said interest still accumulates if the balance isn't paid off 30 days after purchase. She said something about an interest saver feature. I thought I was saving on interest by paying off my balance. This is a deceptive feature of their card. 

This made no sense to me. I paid off the bill in XXXX. How is interest still accumulating on a XXXX balance? I wonder how many customers have paid interest on a XXXX balance since they didn't pay their balance off in 30 days after purchase. The customer service rep is supposed to delete the interest off of my account, but I don't trust them. Am I going to get another interest charge next month on another XXXX balance? How can per day interest count on XXXX dollars?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13
Company: Credit Karma, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I know within the last 6 years credit karma advertised to me a guaranteed approval but it was a lie. I caused my credit score to be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: USCB, 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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: NV
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:
There are multiple inquiries on my account that were made. Ive asked them to removed inquires because I didnt make those inquires. my account has identity theft on and my account is also frozen. 

Ive called all these companies about the inquiries. Ive called on XXXX XXXX XXXX Nothing was deleted from all of the company accounts. 
Inquires were dated on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX  Ive asked them to delete address XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions 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 really trying to get someone to help me. I have been trying to help my brother with college and I reached out to you e.11 before about things on my credit that is not mine. Can you please remove from my credit so my baby brother can start back school. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT ED,  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are several inquiries as well that are not mine 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 XXXX, ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.

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 2020-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I attempted to log in to my Capital One credit card account, as I do frequently. I received an email that my device was not recognized. The two options of verification offered involved my landline, which would not work. I clicked on a link provided if I needed another verification option. A number was displayed ( XXXX XXXX XXXX ). I phoned this number and received an automated recording that informed me Capital One no longer managed my credit card account and asked me to provide my full social security number, which I did. Immediately after providing my social security number, the call disconnected. I phoned Capital One and they have no explanation. This is not okay. I have given my full social security to a fraudulent company and now my identity has been compromised. I am holding Capital One fully responsible. Their site listed this number. What will be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, Experian, and XXXX are reporting inaccurate information on my XXXX XXXX XXXX XXXX. It's reporting as 60 days late.

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 2020-02-28
Company: EQUIFAX, 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:
This is my second time reaching about about accounts on my credit that were not mine. There is still one account on there that I have not heard any response about. This is really embarrassing and holding me up from handling things. Please remove XXXX XXXX from my credit report. I have contacted XXXX Police and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Afni Subrogation Department contacted me threw mail, letter dated XX/XX/XXXX recieved by me on or about XX/XX/XXXX for damages claimed to be owed by me in the amount of {$13000.00} pending an increase of additional payments, from a motor vehicle accident dated XX/XX/XXXX that is currently in litgation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: EQUIFAX, INC.
State: KS
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:
This loan information appears on my report. The amount has been offset with my Federal Tax refund. In looking at my credit report this student was opened in XXXX I graduated from the school in XXXX. Big discrepancy. How can a loan be granted when I was not in school and had already graduated. This loan has been on my credit for years and now I see it was opened after I was already out of school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: MD
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 mailed a certified letter to Equifax, and XXXX XXXX XXXX to investigate the information that is reported on my Equifax and XXXX consumer credit report from the company XXXX XXXX. I paid all payments on time, I was never late. According to my Equifax credit report ( Date of first delinquency report XX/XX/XXXX ) which is inaccurate. Two weeks later an I still have not heard anything from both credit reporting agencies. I tried calling on XX/XX/XXXX an a Equifax customer services representative stated they did not receive a dispute letter from me. When I called XXXX on XX/XX/XXXX ; they stated that I have to wait for a letter in the mail. I also mailed a dispute letter to XXXX XXXX for them to validate and provide proof for what they are reporting on my credit report, and yet I still have not heard or received proof of what is being reported. XXXX XXXX   is report inaccurate information on my credit reports.

Company response to consumer: Closed with explanation