BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Official Complaint Against : Equifax & XXXX XXXX XXXX ( XXXX ) ( Reason For This Complaint ) I Was Unable to Obtain Credit Due To The XXXX XXXX XXXX XXXX Score Calculation Methodology Equifax Hack & Breach Of Personal Data For People Everywhere Is A Contributing Factor My XXXX XXXX XXXX XXXX Score ( FICO ) Has Been Messed Up Since This ~ It Keeps Showing as XXXX or ( XXXX ) This Is A Huge Problem This ( FICO Score 8 ) System of Calculating People 's Eligibility For Credit Or Lending Is Not Accurate The Research & Facts : The Federal Trade Commission in XXXX Had Ordered a Cease And Decist Order Against Equifax Due To Some Of Their Practices It Can Be Found as PDF on FTC Site As Federal Register / Vol. 60, No. 35 / Wednesday, XX/XX/XXXX / Notices It Appears That Equifax Ignored Key Points Of This Order : It is ordered that Equifax, in connection with the collection, preparation, assembly, maintenance and furnishing of Consumer Reports and Files, forthwith cease and desist from failing to : 1. Maintain reasonable procedures designed to limit the furnishing of Consumer Reports to Subscribers that have Permissible Purposes to receive them under Section 604 of the FCRA, as required by Section 607 ( a ) of the FCRA The FICO score was first introduced in XX/XX/XXXXby XXXX, then called XXXX, XXXX, XXXX XXXX and is based on consumer credit files of the three national credit bureaus : XXXX, Equifax, and XXXX. 

FICO Scores Are Inaccurate For These Two Reasons : 1 ) Equifax Cease And Decist Order Of XXXX 2 ) Equifax Data Leak ( Breach ) Resulting From The Known XX/XX/XXXX Hack People 's FICO Scores Can No Longer Be Accurately Calculated From The Three Sources When One Of The Sources Has Failed I Am Requesting That This Complaint Be Addressed To The Fullest Extent Capable By Your Agency, As Well As Escalated To Other Agencies To Resolve This Matter Equifax & XXXX XXXX XXXX ( XXXX ) XXXX Are In Violation Of : FCRA ( Fair Credit Reporting Act ) + ECOA ( Equal Credit Opportunity Act ) + Failure To Comply With The XXXX Cease & Decist Order

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX reported my deceased grandfather 's mortgage on my credit report. We clearly do not have the same Social Security Number, Date of Birth, and living status ( he passed away and I am still alive ).

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 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 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 explanation
Consumer complaint received 2019-10-31
Company: Prosper Marketplace, Inc.
State: MD
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 discharged from chapter XXXX bankruptcy on XX/XX/2018 and XXXX  still has an account Prosper Marketplace as showing charged off bad debt/ purchased by another lender. Account needs to be updated and corrected to reflect included and discharged in bankruptcy.

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 2023-04-14
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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

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 2021-01-02
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:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW

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 2021-02-24
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a dispute on the credit bureaus regarding XXXX XXXX XXXX XXXX stating this is NOT my bill. I have been with XXXX XXXX for years. But the debt is still on my account as a collection. Please help to get this removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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: Problem with personal statement of dispute

Complaint:
I am concerned that the credit bureau is not correctly sharing my credit information. My credit score is excellent yet I am being offered exorbitant interests on loans, credit cards, and credit card offers. I recently again checked my credit report and one of my accounts transferred from XXXX XXXX  to XXXX XXXX XXXX  continues to show as closed on my credit report and not removed from my credit report. The credit bureaus can not explain to me why I am being offered such high interest rates with my excellent credit. 

Also, I have filed for reimbursement for my XXXX XXXX credit information being hacked and after several months of waiting, I have not yet received a response nor reimbursement as required by law.

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 2018-09-22
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Between XXXX XXXX and XXXX of 2018 I bought 2 prepaid NetSpend cards for my XXXX year old daughter and XXXX year old niece. I did not know they had to be over XXXX to use the cards, according to NetSpend. I loaded {$200.00} on each card, when I called to activate them, I told them who they were for, and that's when they told me they couldn't use them. I then asked them to transfer the funds to my other NetSpend card, which they said they could not. They then told me they would send me a refund check for the {$400.00} I put on each of the other cards. I have not received my money back up to this day, and I would like all of my money returned immediately. This took place at the XXXX XXXX on XXXX and XXXX in XXXX XXXX at approximately between XXXX and XXXX, possibly on XX/XX/2018.. NetSpend had me put my daughter and niece on the phone so they could question their identity, and then allow the girls to access the funds by having checks sent to each of them in their names, which I reluctantly agreed to because they said that's the only way to recover my money, which I have still never received. Please help me get my money back, I'm a single mother that was just trying to make my daughter and niece happy, but I didn't get to do it that way, because NetSpend refused to return my hard earned money back 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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have noticed false reports on my credit report that I will like removed as soon as possible. I did not authorize or consent to these false reporting.

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 2019-02-25
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I received a credit report due to other fraudulent situations with my taxes and I saw that there are some credit items now two accounts that are department of education Nelnet partial account and their account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it says that it was open XX/XX/2013 it was for education and it was first reported owing {$1700.00} and it is a partial count there's one right under it the same account number same date that it opened but a different amount and that amount is {$2600.00} because of these two education places that have put out a loan on me I have not attended school I have not put out for a student loan to go attend school so this is not me that I have no reason to be paying anybody ain't got money for a student loan so Iwould like to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Exeter Finance Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent in letters to remove inaccurate credit information With the help of The Federal Trade Commission enforcing The Fair Credit Reporting Act ( FCRA ), which promotes the accuracy of information in the files of the nations credit reporting agencies, we have the power to challenge every questionable negative item on your behalf. 


we challenged on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
Credit card company response to unauthorized charges was that it was my responsibility to deal with the auto rental company and that they " believed the rental car company '' = they felt I was a liar. Same response for the other smaller unauthorized charges. 

Credit Card company REFUSED to resolve the unauthorized charges and issue credit to my account, stating they would ruin my credit if I did not pay the charges THEY claimed were accurate despite my dispute. 

When informed I would file a consumer complaint, they got angry and stated " DO WHATEVER YOU FEEL YOU NEED TO DO '' and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Trans-union reinstated inaccurate information after its was corrected and deleted from XXXX credit report. 

On XX/XX/2017 an inaccurate information was deleted from my credit report. XXXX XXXX XXXX was the original creditor. The amount that was deleted was for {$210.00} On XX/XX/2017 Trans-union reinstated the same information, thereby dropping my score significantly. 

As a result, I am unable to move forward with obtaining financing and have suffered a financial lose because of 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 2021-07-04
Company: Experian Information Solutions Inc.
State: AZ
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: Other problem getting your report or credit score

Complaint:
I have access to the three reporting agencies : Experian, XXXX and XXXX. 
Of the three, Both XXXX  and XXXX have me with a score of XXXX! 
That is a very respectable score. 
When I go to my Experian site it keeps telling me they can not show my score yet because I don't have one! 
This is hurting my overall credit and my abilty to obtain new credit cards and accounts, which I can use to improve my overall credit. 
I am told by all three that I need more accounts and age of accounts to improve my score. I need a couple more decent unsecured credit cards but can't get them because Experian will not put my score on the site and most creditors use Experian. 
They have in a round about way, offered me a score if I pay them a monthly fee. This is XXXX! 
I have enclosed snapshots of my XXXX  and XXXX  score as well as what Experian shows to any creditor that is looking at Experian for my credit! 
My credit history though short is PERFECT! Perfect..No derogatories ... .etc. 
This is why President Biden wants to take this Power away from them and place it in your responsible hands .... 
It is like Myself and people like me are being held hostage! They want money to show my score! This should not be tolerated not allowed! 

IT IS VERY INTERESTING TO NOTE THE FOLLOWING. 
EVERY SINGLE TIME I LOG INTO MY EXPERIAN ACCOUNT THEY FORCE ME TO CLICK TWO TIMES TO GET TO THE SITE. 
WHY? BECASE AFTER THE LOG ON ATTEMPT THEY PUT ME ON A PAGE OFFERING TO UPGRADE ME AND HERE IS A CUT AND PASTE OF PART OF THE OFFER. 
NOTICE THAT I AM OFFERED THE THREE FICO SCORES WHICH THEY WONT GIVE ME ON MY REGULAR FREE MEMBERSHIP AND TELL ME IT IS NOT AVAILABLE..BUT IF I PAY I CAN GET THE FICO SCORE FROM THEM ... ... 

THEN I HAVE TO CLICK ON THE " NO KEEP MY CURRENT MEMBERSHIP BUTTON AND AM THEN DIRECTED TO LOOK AT MY CREDIT AND MY ACCOUNTS AND THEIR STANDING. 

Upgrade your membership to include : Annual 3-Bureau FICO Scores* 3-Bureau Credit Monitoring and Alerts Daily FICO Scores Based on Experian Data Increase your FICO Score with Experian Boost FICO Score Tracker Experian CreditLock with Alerts Lost Wallet Assistance Credit Cards and Loans Matched for You XXXX  AND XXXX  OFFER MY SCORE FOR FREE ... .WHY IS EXPERIAN EXTORTING ME? 
THE THREE AGENCIES GET MY SCORE FROM THE SAME PLACE SO HOW CAN EXPERIAN SAY THAT MY SCORE IS NOT AVAILABLE? THEY ARE LYING TO GET ME TO PAY {$14.00} A MONTH FOR IT. 

PLEASE GET THEM TO PUT MY SCORE ON THE SITE SO THAT CREDITORS SEE IT WHEN THEY LOOK AT MY CREDIT.

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 2018-09-22
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I told XXXX XXXX that my check was stolen and reported to the police. 

I was informed that I had to provide all my personal details but they didn't have to give me anything, and I replied that the police had the report. I was told it was my problem and that I had to get them the report to their business. When I said, no, I was in a XXXX and they could get it i was informed that they would call me every day until I did what they wanted and there was nothing I could do about it other then bring them the report and then they would investigate and see if they quit calling. 

Requests for things in writing was met with it could only be done by email. 

They were informed it was stolen, it was a fraud and that a police report was filed. Because I did not bring them all the paperwork, a hardship on me being in a XXXX, which they were informed about, they have called at least once a day for the last 10 days and tell me every time they call, they will talk to me tomorrow. 

This is harassment, and when pointing it out tell me " nope. It's a bill you owe. '' When I argue that they tell me they aren't going to get the report and they doi n't have the time to bother with getting it or investigating it so they're going ot keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: IL
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:
The account associated with XXXX XXXX XXXX is in litigation and under the settlement, XXXX is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. XXXX will pay {$65.00} XXXX to the XXXX participating states which includes Illinois for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. The account number XXXX is included in this current settlement which as a result is required to be removed from all three credit bureaus. 

For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness. XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims and pay an additional {$5.00} XXXX to the states. 

The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back.

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 2021-04-27
Company: AMERICAN EXPRESS COMPANY
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
American Express : I have a credit balance on the card of over {$12000.00} that I have been trying to get returned to me but being put thru a continuous loop of verifications to return the funds to the same bank account that they have getting payments from for over 10 years ;

Company response to consumer: Closed with monetary relief