BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
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: Old information reappears or never goes away

Complaint:
Inquiry from XXXX should have been removed from my Experian credit file this month as it is stated to when viewing my 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 2021-10-18
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: Personal information incorrect

Complaint:
During XXXX, I reviewed my credit report with Equifax.com to find inaccurate information that is being reported by Equifax. I contacted an agent during that time to explain the discrepancy. Equifax is reporting a numeric number after my name. On XX/XX/XXXX, I sent the requested documents to update my name. To date, Equifax has never removed this numeric number from my name. It has caused creditors to deny use of there services because of an identity problem. On XX/XX/XXXX, I reviewed the same inaccurate numeric information contained by Equifax, I tried to dispute the error online. I tried to upload my drivers license and open a dispute regarding incorrect identifying information and the upload was rejected, advising I contact Equifax. I contacted Equifax Agent XXXX XXXX. The agent advised to mail my documents. I advised ; I did this in XXXX. I requested that she submit a technical ticket because the information reported is in fact reported and recorded by Equifax. 
I asked for a reference number for the contact call. XXXX advised there was no reference number. I asked for a call escalation and XXXX was adamant that I would not receive any help. Agent XXXX advised that a creditor would need to update my identifying information. I advised I needed further clarification, because I was only aware that ALIAS could be updated by current creditors and NOT account information reported and recorded by Equifax. I then spoke with XXXX XXXX, who claimed to be an escalated account agent. I did not received help from this agent either. XXXX advised I needed to send in additional identifying information by mail. XXXX advised documents forwarded on XX/XX/XXXX were past the 90-day use mark and they were out of date. I asked for identifying call center information and XXXX refused to provide the information. I asked for a reference number for the contact call and XXXX refused a reference number. I asked if the call was the call center? XXXX refused to answer rather I was speaking with a call center representative, or a Home based representative. She was so angry that I asked for this information that she disconnected the call on me. With so many Business changes due to Covid19, there needs to be accountability for reference numbers and rather the agent is refusing to help customers because they are located outside the Business Office. Equifax should be held accountable for both accuracy of what their Business is reporting to Creditors, as well as accountable for the period of a year they continue to report inaccurate consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: U.S. BANCORP
State: GA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I don't have a credit card with us bank and never did

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 2018-11-17
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account FIFTH THIRD BANK which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that FIFTH THIRD BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: NJ
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:
So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to XXXX, XXXX and Equifax, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to XXXX, Transunion and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.

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 2022-10-04
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair act XXXX XXXX XXXX XXXX Account number XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: GA
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:
For the past several years I have been disputing a bankruptcy only this credit company is reporting on my file. As of XX/XX/XXXX I opened an investigation with XXXX XXXX as to why, according to Experian, they are reporting a bankruptcy on my file. I provided XXXX XXXX and Experian a letter from the clerk of court which states they DO NOT report to credit bureaus or third parties. As a result of this letter, XXXX XXXX concluded the dispute and removed the bankruptcy from my file. However, Experian continues to refuse removal stating XXXX XXXX is verifying this information. Attached you will find the letter sent to me by XXXX XXXX stating this has been removed as of XX/XX/XXXX. How is Experian saying they are preforming an investigation and verifying with XXXX XXXX. Furthermore, I have called several times and have been treated very poorly by the Experian staff. Every time I ask for a supervisor the representatives get upset and say they I can not talk to a supervisor because they are in meetings and say they can schedule a call back, this of course never takes place. Not once has a supervisor from Experian ever contacted me about my concerns. Also, when I try to explain the errors on my report and ask for this to be remove they state they can not make manual changes to any report. I have have to wait for the investigation to be over in 30 days. These conversations have taken place in XXXX when I opened over 3 disputes for the bankruptcy as well as in XXXX. The names of these employees are XXXX, XXXX, XXXX, XXXX, XXXX and they all have very heavy Spanish accents of which is difficult to hold a conversation with any of them. My dispute with Experian were ongoing while in dispute with XXXX XXXX. The denied all my disputes stating they verifying it was accurate on XX/XX/XXXX, XXXX, XX/XX/XXXX. I opened another dispute again on XX/XX/XXXX. I uploaded both documents to Experian.

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 2018-11-17
Company: EQUIFAX, INC.
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:
Equifax has been non-compliant with removing the unverified account BANKRUPTCY : DISMISSED CH-XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that BANKRUPTCY : DISMISSED CH-XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: ENOVA INTERNATIONAL, INC.
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 advise the Company that I did not apply nor Sign with my handwriting Signature Consenting For Sesvices with them.I also advise I do not know how they got access to my informationbecause my XXXX account should be frozen. 

I am attaching screen shots of my XXXX  and XXXX report. Per XXXX you will see if is showing 2 hard inquiries. Per XXXX  you will see 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted paperwork to remove a fraudulent XXXX card account off of my credit report. This removed the fraudulent card last year. This year I opened up a card of my very own. Soon after, the fraudulent XXXX card account was put back on my Experian file. I spoke to associates, disputed via certified mail, and online. The associate told me that XXXX sent Experian a notification that the fraudulent account was mine. I have gone back and forth with Experian for over 6 months now. Experian still has not sent me anything proving the fraudulent account is mine. The other 2 credit bureaus removed the fraudulent XXXX account once and never put it back. This account is the only negative account on my file. The file was said to be opened XX/XX/2016 and is charged off with a balance of {$890.00}. This is not my account and I request to have it removed from my Experian 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 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, My name is XXXX, I could not pay my credit card debt from Capital One Bank due to financial difficulties. So, I called directly to Capitalone Bank. After my phone call with the bank, I accepted the 80 % discount offer on XX/XX/2021. I gave my bank details to the CapitalOne Bank official, and he made an automatic payment plan on the XXXX of every month. 
I restructured my debt in three installments. For an unknown reason, another collection company called me about this balance, and they asked me for the total amount of the debt. I didn't understand the situation either. I started doing research. I saw that the first two installments were withdrawn from my account on XX/XX/2021 and XX/XX/2021, but the last installment was not withdrawn. I continued researching to understand why. First, I checked my bank account to see if I had any balance problems on the withdrawal date of the last installment. I have seen I have enough balance on XX/XX/2021. Then I called CapitalOne bank and reached the relevant department. I explained the problem. They gave me a number and said to call this unit. I called that number, but they gave me the number of the Collection company that called me before. I called again and explained the situation to Capital one bank 's representative. 
She said to me ; you did cancel the payment of the last installment. That's why you lost the discount given to you. You have to pay full debt, he said. I said I didn't do anything like that. I don't have access to any account to make such a cancellation anyway. I don't have an account number. I did not give any cancelation permission to my own bank. I said, how could this be? In response, they told me you canceled via email. No, I didn't do anything like that to them. I said, why would I do that? I asked if you could show me proof that I made this cancellation. The representative said, we don't have access to your account at the moment. He said to contact the collection company. 
I object to this situation, but I can't get any information. 
I want proof ; they don't show it. 
I ask when I did it, and I get no information. 
Well, if I made such cancellation, I ask why you did not send me a notification by e-mail or regular mail, no answer. 
Two of the three payments were withdrawn from my account on time, and I allegedly canceled the last installment by email. 

I could not do such a thing, and I do not accept this situation. There is something malicious here. It's cheating, in my opinion. This is a game that the bank has made, I object to it. 
I want your help on this. 

My Information : Name : XXXX XXXX Phone : XXXX XXXX XXXX and XXXX XXXX XXXX Email XXXX XXXX CapitalOne Bank Phone : XXXX Collection company Info : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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: Their investigation did not fix an error on your report

Complaint:
Equifax is STILL reporting two inaccurate charged off XXXX XXXX XXXX credit card accounts on my credit reports after numerous disputes. Both XXXX  and XXXX  have removed these accounts on the basis that the debt is NOT MINE, however they claim they have " verified '' the debt and account with the creditor. How are you going to verify the debt if it's not mine? The current charge off amounts are {$5600.00} and {$5900.00} all the way back from 2014. They have not furnished any proof whatsoever that the debt is in fact mine and continue to hold down my scores and from obtaining future credit. I will most definitely be taking legal action if they do not immediately remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
CITIBANK XXXX XXXX XXXX mile promotion

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 2021-10-18
Company: BARCLAYS BANK DELAWARE
State: NY
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 had a XXXX balance on my Barclay US card, and reported several disputed charges from XXXX. 
I called several times about this matter already, and was told that I am not responsible for any payments. 
The card statement now shows as late with added interest and penalties, which is wrong and unacceptable. 
I've wasted several hours of my time trying to get your customer service to resolve this. 
If any damage is made to my credit report, I will be filing action against you. 
Please just close the account with XXXX balance.

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 monetary relief
Consumer complaint received 2018-02-15
Company: D2 Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At approximately XXXX on XX/XX/2018 I received threatening phone calls from a District of Columbia number ( XXXX ) XXXX. The agent claimed the call was recorded and that her name was XXXX and that the phone call was in reference to a debt collection. 

XXXX asked me to verify the last 4 digits of my social security number as well as my name. I confirmed. She explained that I owed a debt to XXXX XXXX in the amount of {$720.00} to XXXX XXXX  for overdraft protection fees. I explained to her that the account was closed over 10 years ago and that I had not overdrafted during the time the account was active to my knowledge. I also informed XXXX that I had not received any notices in the last 10 years from XXXX XXXX regarding this matter. I told her that I would follow up with bank directly and if she could provide me the account number in question. I asked her to provide me with the name of the business she was calling from and the address so that I could follow up. She claimed that she was a 3rd party debt collection agency called " D2 Management '' and that she could not provide an address, but that she could give me a PO Box . When I asked her to provide the PO Box address, she said that she didn't have it in front of her and she went into an abusive line of discussion demanding that I resolve the debt with her. I told her that I believed that the claim was scam and that I would report the D2 Management to the appropriate agency. She laughed and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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: Account information incorrect

Complaint:
I have been making on time payments on my car since I purchased it in XXXX. In XXXX of XXXX I told that I needed to make arrangements because I may not be able to make a full payment and what can we do about it. They offered me a 3 month installment where that one payment would get divided evenly in addition to my regular payments. I agreed as that would help. Well know one informed me that it would look like Im late on my payments. Those three months are showing up as 30 days late. After the fact, I asked them what was going on when I was making my payments on time as usual. They said well since I never made a full payment and technically it wasnt getting paid off until the third month that thats how they would report it. I informed them that no one told me anything like that. Had I known I wouldnt made a way to just pay it. Now my good record has turned into a negative status because of how they are reporting it. They didnt give me the facts about that. They rushed me on the phone for a quick fix and screwed me over in the end. I spoke to a supervisor and they said oh yes thats how we report it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 my paycheck was not deposited into my savings account. The company sent a message saying they were sorry, but I had already missed payments on my apartment and insurance.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XXXX, XXXX, and Trans Union, theyre reporting my student loans from XXXX XXXX as late which is untrue. I sent several letters stating that there should not be late payments and they refused to update their records. This was sent in XX/XX/2022.

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