BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
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: Account status incorrect

Complaint:
On XXXX XXXX I applied for credit with XXXX XXXX and received an alert from Experian stating my inquiry with XXXX XXXX and that my credit score dropped 40 points. I began to thoroughly look through my report to find out what was causing the 40 point drop and found that XXXX  XXXX reported my account as closed with a 30 day late XX/XX/XXXX. I contacted XXXX XXXX customer service at XXXX and attempted to resolve my concern regarding 30 day late payment with XXXX who could not help me and when requesting to speak with a supervisor, initially, denied my request. After I made another request to speak with a supervisor he finally transferred me to XXXX, who told me the I had a payment that was not made XX/XX/XXXX. I asked him why was no attempts to collect the unpaid amount made and why this my internal payment history reflects timely payments. Also, I asked why was it showing a 30 day for XXXX when my loan was paid off in XXXX XXXX, He could not answer that. ; I then asked to speak with someone on a corporate level and was advised that he would be the highest I could go and that they could not update my credit report but that I would have to contact the credit bureaus and have them dispute the incorrect information. 

I than began to reach out by help request through the website only to receive scripted response. 

Lastly, I am attaching my last credit report pulled that shows I had 12 on time monthly payments with XXXX XXXX. As of XX/XX/XXXX not only are they reporting I made a payment late 2 months after my final payment. They have also removed positive reporting data from my experian credit report for the following months : XX/XX/XXXX - XX/XX/XXXX. 

They have disabled me from being able to print my payment loan history

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 2019-01-15
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:
On XX/XX/XXXX, I filed a dispute with Trans Union in reference to XXXX. I did part of it online and because I had to gather up and make copies ofsome many documents, ( 45 in total ). I spoke with one of the reps over the phone and said that I will be mailing documents in reference to XXXX because they had inaccurate information. On XX/XX/XXXX, I managed to get all my documents together, made additional copies, numbered the pages, provided enclosures before mailing them from the post office from XXXX XXXX XXXX, XXXX XXXX NY because that was the closest place at an XXXX  's office that I work on Thursday from XXXX to XXXX as an independent XXXX. I mailed it to the correct address : Trans Union Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX My file number for this dispute is : XXXX The customer rep claimed that they closed this dispute on XX/XX/XXXX. They should have received this dispute by Saturday, XX/XX/XXXX. 
Originally, the investigation was to end on XX/XX/XXXX. I provided my documents within enough time for them to review them. However, the inaccurate in regards to XXXX still remains on my Trans Union 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 explanation
Consumer complaint received 2017-10-25
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was told that when i switched phone carriers ( from XXXX to XXXX XXXX that I would be able to do this without paying the cancellation charge because XXXX assured me that they would pay it. I told them that i ca n't and wo n't switch unless they are able to pay the cancellation charge from XXXX. Months after i switched accounts XXXX was trying to collect XXXX which i told them XXXX would pay. XXXX told me that i was n't eligible for them to pay now months after they assured me that they would pay it. This caused a XXXX collection on my report and was extremely deceitful to get me to sign up. I do n't know what to do but i am preparing to take legal action against both. Thanks for your consideration in looking into this practice by these companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
So basically, they sent my information to third parties who were never authorized or allowed to have my financial information, and I had never worked for. 

I do owe the debt, but the contesting means is due to how they went about business, as well as the fact they went to a court without any notification at all and just showed up with a garnishment. 

And now their lawfirm XXXX XXXX, XXXX  XXXX XXXX. has the case, for which they deliberately refused to accept payment over the phone even when I had the entire balance in whole at the time. 

Refusing to take payment over the phone, and the online credit card system that they have would not accept my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Experian Information Solutions 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 am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.

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 2018-01-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX we rented an apartment with the XXXX XXXX, we stayed there from XX/XX/XXXX to the first second week of XX/XX/XXXX. When we left we moved to XXXX and rented for 16 months with no issues. I found out that the XXXX XXXX lost the property due to fraudulent activity like like making bad leases and using peoples info to rent apartments to people. Also to roach infestations. This info was given to me by the new owners of the XXXX XXXX XXXXThe old owners, which we rented from, gave my info to someone who rented there from XX/XX/XXXX to XX/XX/XXXX. And then that person skipped out on the rest of the months rent and so they tried to put the XXXX XXXX collection agency on me to get the rent that the people using my Social Security number left behind. There address in XXXX Tx is still on my XXXX report also and I never lived there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: AMERICAN EXPRESS COMPANY
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Bluebird permanently suspended account without notice and has not refunded me the balance left in the account. They refuse to tell me why they closed it. The only recourse they gave is for me to write a letter to their customer relations division.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.

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 2018-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have complained 4 times regarding Bank of America, since my complaints I have resolved my payment problem, however they did not resolve it but I did. I applied for the Home Saver Program with the State of NJ and pursued that option until I finally got the money to bring my mortgage up to date. I am now trying to do a modiffication since my account is current but the bank will not give you that unless you are delinquent. This is a no win situation you are damd if you do and damd if you dont. I will never recommend BOA to anyone that is looking for a mortgage, they do not care about their clients. I want this agency to change their practices and help people instead of degrading them.

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 2018-01-30
Company: SYNCHRONY FINANCIAL
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:
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX Dated XX/XX/2017 that I did not authorize

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 2019-02-17
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Previously, contact was made with Diversified Consultants Inc in regards to a XXXX Account XXXX. I have sent letters and requests that they validate, not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. All I receive from Diversified Consultants is copies of old bills as their form of validation which does not sufficiently prove that I am obligated to pay them anything. They have reported delinquent and incorrect information that I am asking to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
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 dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/ 2017 I received a letter form Citi Bank - XXXX XXXX XXXX, XXXX XXXX, SD- XXXX stating I was turned down for a credit card with them. 
Due to the XXXX Report " You have filed for bankruptcy and your previous account ( s ) with us was included in that filing.

I have never had a bankruptcy and never a card with them. I also pulled up my credit file with XXXX and it does not reflect anything, that their letter states.XXXXNow, I have been denied credit and it is a hard inquiry on my report. 
I tried calling the company and no one will help me, says to contact 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 2021-11-08
Company: EQUIFAX, INC.
State: MO
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:
Inquiries listed are unauthorized inquiries that I have no knowledge of. I have called each company and the credit bureaus for help with this matter, to no avail. I believe these inquiries and misinformation is affecting my credit score and it is affecting my ability to obtain credit with other companies. I would like these inquiries removed from my report. 
XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Grant & Weber is reporting an unpaid debt from XXXX hospital to credit reports. This is not my bill. There are multiple people with same name. Use my middle initial and date of birth to verify its not me. 
Remove the negative debt from 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 2021-11-08
Company: LEXISNEXIS
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 belongs to someone else

Complaint:
I am XXXX XXXX XXXX and XXXX submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. I have demanded that they remove all my information from their databases immediately. LexisNexis sent me an email on XXXX requesting additional information ( they did not even give me 24 hours to respond to the email before they sent a response to cfpb falsely stating that I hadnt responded to their attempts to contact me ), I responded with the requested information and have yet to hear back from them regarding my information being removed from their database like I demanded. I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I stayed at the XXXX hotel in XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/2019 where I was there to interview for the company. I paid for a hotel room and filled out an application for employment both electronically and in person. I was denied the interview for employment for a good paying job at $ XXXX hourly wage. Then there was no follow up for the reason why it occurred. Please note : follow up with me in person because I have a state issued identification along with my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: GA
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:
I have been going back and forth with EXPERIAN in reference to some inquires that is listed on my credit report with out my consent. I have a fraud alert placed on my credit report and my phone number is suppose to be on my account for anyone to call me to verify that it was me who applied for credit. I currently have almost 30 inquires that was not authorized by me and EXPERIAN refuses to assist me in this matter. The inquires that are unauthorized are as follows : 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX ( don't even know what this is ) 5.  XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XXXX    XX/XX/XXXX 10. XXXX XX/XX/XXXX I have called the companies and they don't see anything on file becase on these dates I have not applied for anything with these companies on these dates. Please assist me with getting these unauthorized inquires removed from 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 explanation
Consumer complaint received 2021-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please take notice that I am updating my personal information with all XXXX major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.

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