BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
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:
XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX FALSELY REPORTED ON MY CREDIT REPORT THAT I WAS LATE FOR THE MONTH OF XXXX. MY PAYMENT WAS DUE ON XX/XX/XXXX AND I MADE MY PAYMENT ON XX/XX/XXXX SO HOW COULD I POSSIBLY BE LATE? XXXX XXXX RUINED MY CREDIT RATING AND BROUGHT MY SCORE DOWN DRASTICALLY. SINCE I'VE BEEN WITH XXXX XXXX I HAVE ALWAYS MADE IT MY BUSINESS TO PAY THEM ON TIME AND I'VE NEVER HAD A LATE PAYMENT. I AM TRULU DISTROUGHT AT THEIR ACTIONS.

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 2019-12-13
Company: EQUIFAX, INC.
State: TX
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 nor any lender can access my trimerge credit reports because there is an error stating mismatch with Equifax. I've faxed in 2 letter and have made several calls, spending several hours on the phone with Equifax this week and no one is assisting me. The only options that Equifax gives me is to have lenders call them directly, or that there isn't anything wrong with my file. I've told numerous representatives that I need to access my credit profile because we are in the process of buying a house and it appears as if they have a freeze on my file and no one seems to care at Equifax. One manager actually told me to call back the next day because he couldn't help me, another manager stated that it was ok for me to file a complaint with CFPB if that is what I was willing to do instead of taking my advice on having my soft inquiries removed as a trouble shooting method. This happened to me in XXXX of this year as well and it took over a month before I could finally access my credit profile. This is unacceptable and I need whatever glitch or error there is on Equifax end fixed as soon as possible. They claim that all of my information is what they have yet, their automated system will not accept my information and I am unable to pull my credit profile using any of their direct methods via XXXX, equifax.com or even while speaking to a live representative attempting to activate the online profile for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding accounts that do not belong to me and they are still reporting on my credit report. I also submitted multiple ftc reports regarding the accounts that do not belongs to me. These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are 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 2019-01-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : XXXX XXXX acct. # XXXX and XXXX XXXX XXXX  acct. # XXXX Dear Sir or Madam, Your company received notification from the following credit bureaus ; Experian, XXXX, and XXXX  explicitly stating that I am a victim of identity and that debts incurred with your company are indeed fraudulent. You were sent copies of an identity-theft report filed with the federal trade commission along with an sworn identity-theft affidavit from all three credit bureaus. Unfortunately, these debts are still being reported on my credit reports. Having debts reported that I am not responsible for shall be deem as defamation of character and considered inaccurately reporting debts to consumer reporting agency 's. With that being said, you are in violation of the FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. Continuously, having debts reported that I DO NOT OWE is a misrepresentation of my true creditworthiness. Failure to removed these debts within fifteen days from my credit report ( s ) shall lead to complaints filed with the XXXX XXXX XXXX and a class action lawsuit for various violations of the fair credit reporting and the fair debt collection practices act as follows reporting inaccurate information, defamation of character, and punitive damages for receiving unfavorable terms on loans due to your reporting of inaccurate information on my credit report ( s ) Thank you.

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 2021-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 I sent a payment through XXXX from the Capital One website. The payment went out on XX/XX/2021 and was due to be delivered by XX/XX/2021. 
On XX/XX/2021 the payee notified me that they had not yet received it. 
I checked the Help section on the Capital One website which states : " What should I do if the company I paid has not received or credited my payment? 
Sometimes a company may not credit your account immediately after they receive a payment. If the payment is not credited after two days, call the companys customer service line. If the problem isnt resolved, you can send us a payment inquiry on payments in XXXX XXXX History. We will contact the company on your behalf in an attempt to resolve the problem. '' First of all, there is no way to send a payment inquiry in XXXX XXXX  History. 
I called Customer Service and spoke with XXXX ( ID XXXX ), who was not helpful. He claimed that all he could do was issue a stop payment. He stated that Capital One does not contact any companies on their customers ' behalf when payments are not received in a timely fashion. 
It appears that the information provided in the Help section to reassure customers about the safety of using XXXX is phony and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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 fraud alerts or security freezes

Complaint:
I, XXXX XXXX, I was denied a product due to a extended Fraud alert on my consumer credit report. I did NOT ever request an extended fraud alert or ANY other fraud and/or alerts to be 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 explanation
Consumer complaint received 2021-11-21
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: Account information incorrect

Complaint:
This is not a duplicate the credit agencies needed proof of my identity and did not state that they received them by mail. The documents are include in this complaint so they can not say that they did not receive them Experian and XXXX XXXX payment amount for child support reported by XXXX and Experian is incorrect and according to FCRA should be corrected and updated. I have documented proof but XXXX and Experian is not acknowledging the uploaded documents online. XXXX and Experian is stating that my monthly scheduled child support payments is over {$40000.00} per month which is an ERROR. I have PROOF of my monthly schedule payments and XXXX and Experian refuses to correct my monthly scheduled payment even though I have LEGALLY disputed this several times and XXXX provided me documents to show these credit report agencies to correct it and XXXX stated that they are giving EXPERIAN AND XXXX proof of my monthly schedule payments as well. My scheduled payment have been in error for years at XXXX and Experian even though they used to show the correct amount 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 explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX have fraudulent account and increase appearing on all three credit reports.

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 2023-07-18
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: Information belongs to someone else

Complaint:
I have a fraudulent account which is showing on my credit report. I have never applied for XXXX XXXX and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with XXXX XXXX but no result. Because of that I'm submitting a complaint to you to help me for removing XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00} and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00}. Those XXXX accounts are fraud. Thank you.

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 2019-09-27
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Many years ago, I called citibank to cancel the recurring fee that I was receiving for " Debt Protection. '' This was before the settlement in XXXX and they refused to refund the fees, however they stated the charge would cease. I distinctly remember that it had ceased at one point, however I realized this morning that it is again recurring on my  statements and has been for as far back as their online portal will let me review statements, XX/XX/XXXX. I have no doubt that this charge goes back further than that, but I have no way of knowing exactly how far without additional statements. Additionally, after reading the settlement and reviewing emails, I was never contacted by citibank to refund the fees as stated in the XXXX settlement. So, this morning I called to get the matter resolved and was blind transferred by multiple employees in a round-robin ring where no one would take ownership or direct me to who to talk to. Ultimately, I have been hung up on twice. On the last call, where I was finally able to reach a native English speaker, she assured me that she would get me to the right person and not hang up on me. She then requested to put me on hold while she researched, then, without speaking, blind transferred me to a department that, by its title, was responsible for just this issue. They had a touch tone system with 1 and 2 used for prompts. 2 was the options I needed, but instead of transferring me to a person, it looped me back around to the main account status system where it was attempting to look up my account. This is a blatant use of technology to route worthy customers into a black hole of avoidance. I want my fees refunded as far back as the settlement requires them to go.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2021-11-20
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2021 I sent a letter to Experian about 3 collection accounts. I have yet to receive any kind of follow up on my account. Pursuant to 15 USC 1692g ( B ), they legally have to respond in 30 days or less. They violated the law by not doing so. Due to the violation, I demand that the accounts are DELETED IMMEDIATELY! 

THE FOLLOWING ACCOUNTS WERE IN DISPUTE : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) Account Number : 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 2023-07-18
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:
In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instruction.

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 2021-11-21
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Fraudster was selling tickets on XXXX  for a XXXX XXXX concert, I contacted them at the number on the post and agreed on a price. Sent the money through cashapp and they said they were going to send the tickets and then I stopped hearing from them. They wouldn't answer my calls or text messages and never sent any tickets

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: EQUIFAX, INC.
State: TX
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:
My credit report score has not changed in over XXXX months and I would also like some incorrect information on my credit report deleted. I am willing to file for litigation if this insurance is not corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attend XXXX that became XXXX school over the course of the years. While attending another school my payments were never frozen due to being in school. I was accumulating interest and my late fees were being reported late on my credit report. My school credits were n't accredited credits. I 've called Navient and was misinformed about repayments options. I 've emailed Navient to informed them that my school is closed and no longer operating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Back in XXXX of 2019 I received a call saying I was late on a payment. On that call they right away asked for personal information such as social so I immediately said I didnt feel comfortable disclosing that information over the phone because i didnt know if it was a scam. They called again and they continued to say they were calling regarding a late payment for kohls. So I check online to see if I had any outstanding payments and realized it was true. So I immediately payed the full amount off and apologized that I didnt realize I had made any recent transactions. Fast forward to today Im trying to buy a home and there are remarks posted on my credit history about late payments through Kohls. I reached out to kohls and asked to kindly remove the remarks. They continued to say that they do not reach out to the credit beaurral unless there have been months of unpayment and in my case I had made my payment as soon as they reached out. So that they werent sure why the remarks were left on there but that they had no authority to remove it that they would need to file a claim to do so. I filed the claim and they sent a letter saying they can not remove that remark. Now that remark is affecting my whole credit history when I always make my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
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 this letter to simply delete the following information in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
I recently applied for a CHASE SLATE card and was told that confirmation of my actual physical address was required for approval. I was reluctant to provide more than my mailing address as I work in XXXX and have security concerns but after being assured this would be kept confidential and I would be approved once they had my address, I provided it. I then followed up and was told I was turned down because of my account balances vs my credit lines. I applied for the account as I wish to lower my balances by transferring them to a 0 % account and paying them off much faster! I feel as if I was declined simply to punish me for resisting giving my home address and complaining about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: AL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive Sent off my letters off since the year XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a report showing the accuracies. Ive also included certified letters return pieces And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX  -account # XXXX because it is not consumer debt Also XXXX deleted it and i sent follow up letters if it got deleted on there the other all the two bureaus are supposed to delete it as well

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