BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX XXXX {$370.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 explanation
Consumer complaint received 2019-03-14
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was applying for a rental property and was denied because they said I had a collection on my account from XXXX which I had no knowledge about been trying to dispute it and XXXX told me that the ss number that the company has is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-09-08
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a CitiBusiness Checking account on XX/XX/XXXX, under a promotion that I had been mailed that stated I would get a bonus of {$700.00} if I deposited {$25000.00} into the account within 30 calendar days of opening it, and then maintained that balance for at least 60 calendar days. I would then get a bonus 90 days later. I deposited the money into the account on XX/XX/2020. I maintained a balance of over {$25000.00} way longer than needed for the promotion. I called multiple times and was told that I was eligible for the promotion and would receive the {$700.00} at the end of XXXX, 90 days after satisfying the original requirements. On XX/XX/XXXX I logged into my account and saw that the {$700.00} promotion had been credited to my account. However, sometime in the last month, this credit disappeared and when I called customer service, they have no history of giving me the {$700.00}, nor taking it away, and have no idea what happened. They told me there was nothing they could do to help me. It has now been over 7 months since I opened the account and deposited the money and I have no bonus to show for 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 2022-12-16
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXXXXXX XXXX XXXX : {$1400.00} - This account currently reports information illegally. An account having a status of XXXX  days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet for XXXX consecutive months you continued to mark this account as XXXX  days late. I request a thorough investigation and an update must be made with lawful accuracy. Regards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Southwest credit XXXX XXXX XXXX Ste XXXX XXXX, TX XXXX XXXX credit calls multiple times back to back from multiple different numbers, disguising as random numbers to my cell phone AND work phone. I can not get anything done based on the multiple calls back to back. This has happened for the last three weeks straight every day. I have asked him to stop calling me. This is causing me stress and harm and risking losing my job because of the multiple back to back calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Original Creditor Company Inquiries 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was involved in an identity theft incident and XXXX  DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from XXXX   that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.

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 2022-08-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reinvestigated my credit report, I discovered that some of the accounts were erroneous. The XXXX credit bureaus are required to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts listed below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i had insurance to cover a medical bill from this company covered through medicaid for my daughter. I should have never had this bill submitted through the credit reporting agency as my daughter had insurance covered through me at the time.

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 2021-05-19
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal closed my accuont for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used paypal quite frequently my email linked to my paypal is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was involved in an identity theft incident and XXXX  DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from XXXX   that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Yesterday XX/XX/XXXX I received a letter stating that my Victoria Secret card ( account ) was closed. 
My balance on that account is XXXX because I made all my payments on XXXX. Throughout this whole pandemic I manage to make all my payments. 
I called immediately after receiving the letter. The automatic system asked for my four last from my social security number, once I entered it there was an automated message that stated " If you are calling about your account being closed we will not reopen it take care '' and the phone call hang up. 
I called again, and this time I did not enter my social security number, I kept saying customer representative, after a while someone came to the phone, this person was extremely rude and told me that probably I did not use my card for more than 12 months ( last time I used my card was on XX/XX/XXXX before having my baby ). I was trying to tell her my side of the story and she right away cut me off and stated if you want to re-open an account is not happening. I told her that I needed to speak to someone else, she put me on hold for about 30 minutes and then the call re-routed to the beginning of the option menu. When I tried to get a customer representative there was silence and no one on the other side. 
I hung up and called for the 3rd time. I spoke to another representative. I was able to communicate a little better with her but she told me I should send a letter to the bank. 
I am still very discourage about how everything happened, I would understand if I owed them money, but I never missed a payment ( one late payment ) during a pandemic where I lost so many hours from my job, my father got sick with the virus and was in the hospital for six months. I had a baby, and they wanted me to be thinking about buying Victoria Secret items. It just does not make sense to me at all. It has not been a year since I last used my card since that's the statement that they are going for. 
Now my credit is going to be affected because of an unfair decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Messerli & Kramer P.A.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received two summons for two XXXX  XXXX XXXX credit cards from messerli and Kramer. I asked for documentation of these credit cards and they sent me statements with a balance transfer, no indication of card it was transferred from, and also stated they didnt have any electronically signed contract. I asked them if they could send me that and they just kept telling me that if I want anymore information I need to contact a lawyer, they wont provide me with anymore information. I just want to make sure this debt is in fact mine before I pay a debt collector company. I also asked if I could speak to one of their lawyers since the paperwork I received said messerli and Kramer, attorneys at law. She said they dont have any lawyers available and if we want to contact anyone else I need to have a lawyer contact them. I told her to leave a message with one of her lawyers, she said I can try but cant promise anything. One card says opened XXXX of XXXX, and the other opened XXXX of 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 2019-11-12
Company: Experian Information Solutions Inc.
State: NY
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:
Credit inquires I don't recognized

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 2020-11-08
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.

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 2018-02-03
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 am filing a complaint against the 3 credit bureaus Experian, XXXX, and XXXX. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and 2 more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, Experian and XXXX  removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.

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 2020-05-27
Company: The Outsource Group, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was paying XXXX the collection agency payments but turns out they are fake and Medicredit are the ones that were handling my debt but they had the wrong address for me so I never received anything from them but instead I received information from 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 2020-05-21
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: Account status incorrect

Complaint:
XXXX promised that if they give me a 3 months break on my mortgage due to coronavirus my finances would not be affected and nothing negative would be reported on my credit report. Now I am trying to refinance and XXXX XXXX  says they can not help me at all because my credit history says NEGATIVELY that my account with XXXX is in forbearance. 
So effectively XXXX lied to me and this is affecting my credit history negatively. Why was this reported to the credit agencies? I am very angry because it was a simple click on their website and now I am suffering more. 
I still have a job. My sister in Hawaii used her XXXX   income to help my parents, because of coronavirus she is not getting that income and that's when I stepped in, but if I knew there would be such huge consequences I would have found an alternative way. 
So all in all so far I didn't pay 2 mortgage payments and I was planning to continue regular payments after 1 more month. My mortgage is only $ XXXX/month, but with this XXXX short coming I would be hurt for years and it will waste a lot of my time fighting them Please help.

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 2020-05-21
Company: Rocket Mortgage, LLC
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 status incorrect

Complaint:
XXXX promised that if they give me a 3 months break on my mortgage due to coronavirus my finances would not be affected and nothing negative would be reported on my credit report. Now I am trying to refinance and Rocket Mortgage says they can not help me at all because my credit history says NEGATIVELY that my account with XXXX is in forbearance. 
So effectively XXXX lied to me and this is affecting my credit history negatively. Why was this reported to the credit agencies? I am very angry because it was a simple click on their website and now I am suffering more. 
I still have a job. My sister in Hawaii used her XXXX   income to help my parents, because of coronavirus she is not getting that income and that's when I stepped in, but if I knew there would be such huge consequences I would have found an alternative way. 
So all in all so far I didn't pay 2 mortgage payments and I was planning to continue regular payments after 1 more  month. My mortgage is only $ XXXX/month, but with this XXXX short coming I would be hurt for years and it will waste a lot of my time fighting them Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b  ). I have sent the required documents as described in the aforementioned law, Experian has no evidence to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Experian is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Experian must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.

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