BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX mark my account current on my report for XX/XX/XXXX and once I made my XXXX payment they lodged or went back and changed an on time payment to 30 day late but make my XXXX Payment on time. I reach out to each to each credit bureau with my dispute and the company verified this lateness as accurate. 
The company never once reach out to me via phone or mail stating my account was late now in jeopardy of being late. I contact this credit card services before any lateness was ever entered and informed them I am not being informed of any mail or alerts regarding my account. The representative stated that my account was caught and there was no lateness involved with my account. I have proof of this with my statements and I submitted these statements as evidence to the reporting agencies in questions only to be told the card provider states that what they report is accurate when evidence was provided. The credit reporting agency mark it current for the month of XX/XX/XXXX but in XX/XX/XXXX the card provider when back and changed a current payment into a 30 day lateness. They have violated the FCRA and the credit reporting agency was just as guilty when they removed an on time payment two months later to reflect a previous payment on time to a 30 day lateness.

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 2021-08-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently filed a report with XXXX, XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURCIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: MD
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name :, XXXX XXXX XXXX {$340.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX  XXXX XXXX {$2800.00} - - -No Data XXXX XXXX XXXX XXXX  XXXX {$4200.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data XXXX XXXX XXXX XXXX XXXX {$5000.00} - - -No Data XXXX XXXX XXXX XXXX XXXXXXXX {$1500.00} - XXXX -No Data XXXX XXXX XXXX XXXX XXXXXXXX {$2000.00} - - -No XXXX XXXX XXXX XXXX XXXX  XXXX {$10000.00} - - XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX {$0.00} - - -No Data XXXX & XXXX XXXX {$260.00} - - -No Data XXXX XXXX XXXX XXXX {$68.00} - - -No Data XXXX XXXX XXXX XXXX {$460.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} - - XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} - - -No Data XXXX XXXX XXXX {$210.00} has violated my rights. 

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 know

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 2019-01-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I don't know what actual route I need to take through the prompts are to get to the right place, so this is probably not in the right department.

I found out today that Experian has been charging me {$22.00} a month for something that I did not want and had no idea that there was any recurring charge, let alone the insanity that is {$22.00} a month.

I paid {$1.00} for what I thought was a 7-day trial so that I could see my credit score a single time. Apparently the 7-day trial is a 7-day period of a " discount '' before the price goes up to $ XXXX/month, not a 7-day trial to check your score before you lose access to it as I think almost anyone would expect.

They pay to have XXXX  display them at the top when someone searches for " free credit score '', then they actually charge you {$1.00}, which is actually over {$250.00} a year. This is not ok. We are held unjustly behind an unfair and unregulated credit score system, extorted to even be able to check it, then are hit with hidden bills like this. Seriously?

I was under the impression that stuff like this was supposed to be shut down. Isn't this the EXACT situation referenced in this article?

XXXX XXXX XXXX Thank you for any help on this matter and for doing the work that you do. It IS VITAL.

Additional information that I find egregious : 1. I have no email from them telling me that I'm being billed or even that I created an account.

2. They make it nearly impossible to figure out how to cancel future charges. I honestly don't know if I am opted out of the recurring charges or not at this point.

3. They hold customer service hours that make bank hours look like XXXX. I can't contact them in any reasonable way during any reasonable hours. I work. They know that. That's why they have such unreasonable hours. This is not right.

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 2023-10-27
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It was XXXX XXXXXXXX XXXX I was to mail back the transponder and I never received a box to send it. Then they put me into collections and I never got a chance to fix it by sending it out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My complaint is two parts. 1. I wrote a personal check and mailed it from home, my mailman was driving by, and I handed it to him. The check was not received by the person I issued it to, his name was written and then crossed out on the endorsement side, then " mobile deposit only '' Bank of America. Bank of America refuses to respond to my personal bank or me, or to the person I issued it to. 2. I sent a check via bill pay from my business account. It was not received by the insurance company I wrote it to. Another " mobile deposit Band of America '' endorsement. Again, BoA refuses to respond to me, my bank or the person the check was issued to. The problem is from XX/XX/2022. I have left many messages for XXXX XXXX XXXX XXXX and no response.

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 2019-10-26
Company: SYNCHRONY FINANCIAL
State: MI
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 never authorize these inquiries from tj max on XX/XX/XXXX XXXX also on XXXX XXXX XXXX XXXX XXXX XXXX XXXX syncs/old Navy XX/XX/2019 2019

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 2019-10-26
Company: EQUIFAX, INC.
State: TN
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 this due to non-compliance with the ( Equifax, ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
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: Personal information incorrect

Complaint:
Transunion, XXXX. XXXX continues to report inaccurate credit score and last names that should not be in my credit report. I was denied housing by XXXX XXXX on XX/XX/23 due to inaccurate credit score reporting on the Transunion credit check difference by 100 points lower than actual score and information more than 20 yrs old from a driving record that does not belong 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 non-monetary relief
Consumer complaint received 2019-01-19
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A couple years back I paid off my credit card with best buy and my account was at {$0.00}. My roommate at the time, XXXX XXXX, stole my identity and opened up numerous accounts in my name and also stole my credit card unknown to me. She used the best buy card to buy thousands in gift cards. when I figured out what XXXX had done I reported it to the police, all the credit card companies and did the paperwork. XXXX and Mastercard were great working to clear it up but Best Buy/Citibank keeps turning me over to credit collection agencies and the credit reporting agencies. They also keep reporting to the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: MA
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:
My name XXXX XXXX XXXX and I want the fraud alert permanently deleted from my file. I have called several times and also tried to delete it online but your staff and system was having technical problems doing so, I didnt ask to have this alert placed on my account and its causing me mental distress. Please delete it immediately.

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 2019-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting phone calls from XXXX XXXX since XX/XX/2018. They always call from a different state area code such as XXXX for New York and XXXX  in California. Every time I block a number, they call back within hours from a new area code and number. I have never received a letter or bill but it's on my credit so I have no way to dispute this. Plus it shows that they have re-aged the debt on my credit. I have seen the time started roll backwards by a year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
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 belongs to someone else

Complaint:
This is my second time disputing the following accounts : -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 I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I believe I complained about XXXX, TransUnion & XXXX but now there is more. Short overview. I sold a house XX/XX/2018. XXXX XXXX reported it to all the credit bureaus which they deny & arent even trying to correct this & help me. Their credit reports they made about me has proof that I no longer make payments. But instead of them seeing I no longer make the automatic payments anymore they are saying I am now 3 payments delinquent on this account I no longer have. They are ruining me. All they do is lie to me & say they cant help me. I have a letter from XXXX XXXX showing a XXXX balance. I saw a document on one of the bureaus that stated I have a XXXX balance with them but yet that same bureau shows I owe XXXX XXXX over {$58000.00}. 
I will enclose my letter from XXXX XXXX that states I owe 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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You. 

ACCOUNTS XXXX XXXX XXXX never late COLLECTIONS 01 XXXX XXXX  XXXX {$160.00} not mine 09 XXXX XXXX XXXX XXXX {$3500.00} not mine 10 XXXX XXXX XXXX  XXXX {$1300.00} not mine 12 XXXX XXXX XXXX {$2500.00} not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX anauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS BANKRUPTCY : CH-XXXX  XXXX not mine

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 2019-01-20
Company: AES/PHEAA
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 information incorrect

Complaint:
XXXX XXXX is reporting incorrect information. I have requested several times to provide information that I received the student loan, I was not given this loan nor am I responsible for the loans. This is erroneous reported and have ask the Department of Education to investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Dear CFPB, I was in the process of applying for a XXXX XXXX Credit card online. I have not applied for credit online before. It seems that i answered some online questions meant to verify my identity incorrectly so the application was declined upon the merit of that. This was recorded as an application for credit on my report, however they simply said that they could not verify my identity online. Furthermore they refused to send me a written application. Also they said that I would have to wait 30 days and to try again. However this seems to be a pointless game. If you are a high end retailer and want the business of a customer of many years, then you would send out a paper application as a matter of course. However the call in center if far from high end. I feel that there is something wrong here. 

Application made : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Application number : XXXX XXXX XXXX/ Capitol One XXXX Also it is nearly impossible to submit a credit dispute online to XXXX   using their online form. The application deletes itself if you try to scroll down. Also it uses private credit history questions as a form of identification. It would be nicer if there was a form I could print out and send in with proper identification. I imagine if you really had a problem, you could become quite frustrated. 

That said this will be the last of XXXX XXXX and Capitol One Credit applications which I fill out. You must hear so many more serious stories than this, however I do nott like unprofessional persons playing games with my credit. 

Many thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: ID Analytics, Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute for incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: JPMORGAN CHASE & CO.
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:
XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 
XX/XX/XXXX - XX/XX/XXXX JPMCB ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 


XXXX ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: CITIBANK, N.A.
State: CA
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:
I am XXXX. My ex- assistant began going in my purse and stealing my XXXX XXXX American Express , other credit cards and she forged two XXXX XXXX XXXX checks. I didn't know who it was but I kept reporting it and getting a new XXXX XXXX American Express along with the other cards. Finally when she ran out of all of my money because the companies stopped refunding the money that was stolen, she quit. I have email documentation of her admitting to stealing money from me. Then I received the first forged check in her name. That's when I knew I could report it to the police and open up a case, so I did. They said they were going to charge her with XXXX XXXX..I would ask XXXX XXXX American Express to send me all the paperwork of the dates she was working for me so I could Circle what she stole and they kept sending me the wrong paperwork. Finally when I got the right paperwork they had already closed down my card. They re-opened it once but I simply couldn't make the payments they asked for they closed it for good. They wouldn't work with me in any payment plan. Knowing my condition and situation, I believe they should have. Not even the hardships department cared. I would still try to Circle all the dates and the money she stole from me but I have to go to the doctor every single day and I need my current assistant to help with the paperwork because of my XXXX. We simply didn't have time to fill out all the paperwork because I have so many health related things going on. Everything became so overwhelming! Still the police report was started and I did know who the person was who stole from me. As a XXXX person that can not do anything on my own. I don't know how to get this resolved. I need serious help. This woman has stolen thousands and thousands of dollars from me. She has also stolen other money from me that doesn't relate to this card.. I don't know what to do. I need hardships to work with me. I can barely afford anything but I can pay small amounts if they just work with me. Thank you very much. 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