BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian provides you with a pin number that does not work they claim that they can't verify your identity I have spent 4 hours on the phone calliing different numbers no option to unfreeze my account no representative ever comes on the phone, only way is true the mail, they make it impossible to be convenient. But what a coincidence that they have a service that locks and unlocks your credit for a fee what a scam.

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 2019-08-14
Company: Experian Information Solutions Inc.
State: NV
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 was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bill with XXXX that I never authorized acct # XXXX dated XX/XX/XXXXAlso Inquiries for XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXXXXXX  dated XX/XX/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 2022-10-18
Company: ALLY FINANCIAL INC.
State: NH
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 has been a on going matter for over a year, ally financial still has not sent me verification, debt validation, audit trail with bank statements providing that they lending any monies for said loan. two affidavits XXXX rebutted which stands truth in commerce. cease and desist that i had filed but still reporting to consumer reporting agencies which is still a form of communication. IRS states any account charged off is considered income and income can not be reported as debt and i have never received my 1099-c for the charge off.

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 2019-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an offer for employment that requires a credit check with Experian. The background check must be initiated within 24 hours and to initiate the background check I must remove my credit freeze from Experian. 
I navigated to the Experian website and filled in all of the correct information and the " PIN '' number they had me set up when I initiated the freeze. I know I entered all of the correct information because I saved the information in a word document to ensure that it was 100 % accurate to avoid issues of not having the ability to life the freeze. I attempted today to life the freeze ( XX/XX/2019 ) and their system came back saying I needed to mail something in even after entering all of the correct information. As I do not have time to wait to mail something in, I tried calling. They do not have the option to talk to a live agent. 
All of this to say that Experian has made the credit freeze unjustifiably burdensome to use. When I unfroze my XXXX  credit it took all of 2 minutes as their systems worked properly. Same thing with XXXX. 
Please pressure Experian to create a system that is user friendly and not overly burdensome to the consumer. I know this is not asking a lot as the other two already have. Experian is effectively making credit freezes useless as if I need to be able to access the report in a reasonable time, I am not able to.

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 2021-02-25
Company: Student Loan Financial Assistance
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have repayment of my Student loan with : Student Loan Finacial Assistance https : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX : XXXX However, I have been unable to contact anyone that works for the organization. They have been retrieving money from my Bank Account monthly for about 2 years. 

I would like some one to call me because I will be returning to school in XX/XX/2021. 
I am also contacting my lawyer regarding this issue. 

I have also reported them to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, 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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: DISCOVER BANK
State: CA
Product: Credit 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:
In XXXX I noticed my card had been charged in XXXX for {$1600.00} for a hotel charge. After looking into it I learned the hotel reservation was made for end of just XXXX. I called and canceled my card and informed them I knew nothing of this charge and disputed it. 
2 months later they reversed it and said I lost met appeal. I said the hotel charge off for a reservation in the end of XXXX and its not even XXXX at that point. They started another appeal and I lost that. I called and started a XXXX one after the date of when someone was supposed to check in and sent them the info that no one had checked in on that reservation. They denied my claim again and said well whoever booked it had your information. I explained to the lady when people are stealing your card they probably know your name too! 
I was denied again and told today theres nothing they can do and XXXX stuck with this charge thats now over {$2500.00} Yet in ALL of discover credit cards commercials they say never responsible for a fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
First of all, I received a certified letter sent from Paypal Credit Card with the month of XX/XX/XXXX 's monthly statement in it with my name as the customer, but I never ordered Paypal 's credit card ever and have never owned one. The following is data from the statement : Paypal ID XXXX / Credit Access Line {$1000.00} XX/XX/XXXX Deposit in XXXX ID ( XXXX ) {$35.00} XX/XX/XXXX Deposit in XXXX  ID ( XXXX ) {$36.00} XX/XX/XXXX Purchase XXXX XXXX ID ( XXXX ) {$36.00} XX/XX/XXXX Purchase on Amazon ID ( XXXX ) {$32.00} XX/XX/XXXX Purchase Online XXXX  Gift Card {$49.00} XX/XX/XXXX Purchase XXXX  XXXX {$56.00} XX/XX/XXXX Payment made on XXXX ID ( XXXX ) {$44.00} XX/XX/XXXX Deposit on XXXX ID ( XXXX ) {$23.00} XX/XX/XXXX Purchase XXXX  Gift Card ID ( XXXX ) {$89.00} XX/XX/XXXX Deposit in XXXX  ID ( XXXX ) {$36.00} Total Amount {$440.00} I have this statement and have let both the XXXX Sherriff 's Office and the Federal Trade Commission know that my identity has been stolen, and fraud committed, this I solemnly do swear this date XX/XX/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 2022-10-18
Company: EQUIFAX, INC.
State: NC
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:
Misleading False Reporting These accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.These are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an unknown account I have never done business with that appeared on my Experian credit report. I have submitted a dispute to remove the item, 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 2017-12-23
Company: Experian Information Solutions Inc.
State: LA
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:
RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 2019-08-15
Company: LEXISNEXIS
State: FL
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: Problem getting your free annual credit report

Complaint:
LexisNexis has duplicate information on the report. 

They provided a scoring system to XXXX XXXX that intentionally makes customers look negative so that the rates can be raised. 

For example in my case the scoring model was XXXX,XXXX.and XXXX. I have been a customer of XXXX XXXX for 10 years. The only claim I had recently was due to a Natural Disaster, Hurricane Irma, which XXXX XXXX did not pay everything. 

I had to get SBA Loan to cover the difference which I am still paying. 

the criteria that LexisNexis provided was 1 ) XXXX  - Too Many Active accounts - this is ridiculous. They do not even look at your payment record. There are 68 accounts of which 42 are Active and the others are clsoed. Most have XXXX balances ( 7 % Credit Usage ) and the others are pd and closed with no late payments. 
2 ) XXXX - Bad Debt - there are duplicate accounts that were included in Bankruptcy Chapter XXXX and they refused to fix the erroneous data that were included in chapter XXXX back in XXXX did XX/XX/XXXX - It has been almost 5 years since the discharge and now 5 years after the bankruptcy they report bad info to insurance and insurance is raising rates negatively affecting me by {$2000.00}. 
3 ) XXXX  - Accounts open in 24 months - This is working towards rebuilding my credit after my illness and the insurance company based on the LexisNexis report raised my insurance almost all of these accounts have XXXX balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: HireRight Solutions, Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
A background check was round for me through an employer. False information has came back about the criminal history and known aliases.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is an ongoing issue that had not been resolved. No one is allowing me to get any resolution. 
I receive calls from Chase Bank Executive office with still no resolution. When they transfer my calll Im on hold for 45 minutes or longer. No one comes back to the phone to help me out. This is in every way poor business practice. Why transfer me all around if no one is willing to help!!! Why call me if Im given the run around? This has been going on for a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: DISCOVER BANK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: ROYAL UNITED MORTGAGE LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a deferement based on the Cares act for my current heloc. I applied for a mortgage from Royal United Mortgage, after a lengthy ( over a month ) application period during which they charged me for an appraisal XXXX dollars I was turned down for a mortgage stating that I had unacceptable payment record on my current loan. I checked my 3 to credit reports and there was nothing. They finnally sent me a letter 3 months after the fact that my loan was denied based on information from XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, CA XXXX. This has already negatively affected my credit and the home repairs that I needed to make and debt consolidation are now out of my reach. I would have NEVER taken this deferment if I knew this was going to affect my credit so negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Account information incorrect

Complaint:
The Department of EducationXXXX is reporting that I was 90 days late in XX/XX/2020. All other history shows on time. This is logically impossible that I could be current in XX/XX/2020 and then all of a sudden be 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: VA
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 XXXX XX/XX/XXXX I received a Three Credit Agency Report and noted a significantly lower score reported by Equifax ( XXXX ), than scores reported by XXXX ... ( XXXX ) and XXXX .... ( XXXX ). Studying the 3 reports I noted that Equifax reported inaccurate ( high ) balance information on a revolving charge ; and listed two addresses which I have never resided at nor used. 
On XXXX XX/XX/XXXX I sent a letter to Equifax addressing the discrepancies noted above. I included relevant facts and identity documents. 
On or about XXXX XX/XX/XXXX I received a reply from Equifax dated XX/XX/XXXX stating " We were unable to locate a credit file in our data base with the identification you provided. '' Well, the identification I provided is the same identification they use to develop my credit score. 
The additional requirements from Equifax are superfluous. They already have the data. Requiring me to send and/or resend additional Personal Identification items carries a significant risk of compromise of my personally identifiable information. The simple fix is for Equifax to update my records and purge the incorrect addresses based on the information already supplied to them by my banks and creditors. 
Prior corrections sent to Equifax in XXXX and XXXX were acted on to my satisfaction. I don't know what their problem is this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted disputes for inaccurate information that has been put on my credit report and XXXX refuses to investigate properly so that the items can be removed. XXXX   wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.

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 2023-02-21
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-04-06
Company: EQUIFAX, INC.
State: IL
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:
Hi, my name is XXXX XXXX and I am complaining about the XXXXXXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: NV
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 refer to the XXXX XXXX, and XXXX XXXX XXXX package dated on XX/XX/2019, Certified Mail Number:XXXX XXXX XXXX XXXX XXXX requesting original WET INK  contract from XXXX XXXX , and XXXX XXXX XXXX. Please be advised that XXXX XXXX, and XXXX XXXX XXXX did not answer my requests point by point as required by law. XXXX XXXX, XXXX XXXX  XXXX did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. XXXX XXXX, and XXXX XXXX XXXX  did not stipulate whether or not you were the holder in due course. XXXX XXXX, XXXX XXXX  XXXX did not stipulate whether this loan was securitized as required by law. Therefore, XXXX XXXX, and XXXX XXXX XXXX admits to  the following : 1.  XXXX XXXX, and XXXX XXXX  XXXX is not a real party of interest in this controversy. 2. XXXX XXXX, and XXXX XXXX XXXX are a debt collector and not the original creditor. 3. XXXX XXXX, and XXXX XXXX XXXX not having full and complete records of the alleged account. Thank you

Company response to consumer: Closed with explanation