BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
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 information incorrect

Complaint:
Date opened is reporting with 3 different dates, credit limit reporting inaccurate. When you report to credit bureaus they just update account, please remove/delete account off credit due to inaccurate reporting. this for the charge off account XXXX XXXX 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
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.

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 2019-02-23
Company: Innovis
State: GA
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 been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report.After you have remove items please send me copy of updated report. 
An FTC had been filed and a police report will be filed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX. I attached a letter from the court stating that they do not provide any information to any credit bureau, which these companies said they did a proper investigation.I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my 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 Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-02-28
Company: Experian Information Solutions Inc.
State: CO
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 said that I did not answer their questions properly and they have no human phone number - everything is done through a robo phone - when I tried to unfreeze my credit information with their robo and website - they refused to help - I am trying to buy a house and the freeze they have on my account will not let them get my information. 

This started on XX/XX/XXXX2019 - I have called every number I could find and it always sends me to the robo help - they want me to send through the mail - a copy of my SScard - my ID/DL - bank statements - utility bills. 

This is NOT secure and they will not help in anyway- I found an email address XX/XX/XXXX19 and they refuse to respond. Even if they would let me email it to them or fax it - but I can not get any help!!!! No person to talk to - what do I do now and who can help 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 2021-10-04
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:
I have been trying for 9 months to correct my credit report and score with hours on the phone, reporting, mail etc. I CAN NOT GET HELP! 

According to Equifax, my score is lower because of late and or delinquent credit cards. I DO NOT have ANY late or delinquent credit cards. They won't fix it because they can't do a dispute because I don't have anything specific to correct. 

I am including a screen shot showing the incorrect information and a copy from the Equifax site showing I DO NOT have ANY late or due payments. I don't even have a credit balance. 

PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: I.C. System, Inc.
State: UT
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:
IC Systems is reporting a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.

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 2019-02-28
Company: EQUIFAX, INC.
State: UT
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 is reporting a debt on my credit file that I do not owe. This debt was paid off a long time ago, and XXXX XXXX continues to be in violation of the FCRA Law Act for  reporting incorrect information. This debt is paid off and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My car was reposted in XXXX and I have not received any notice about a sale or anything else I was also not informed on how much the decency balance was

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: U.S. BANCORP
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 involved in a robbery. All my confidential information was stolen. A police report has been filed.

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 2018-04-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo used my escrow account to pay my neighbors property taxes for 2017. My neighbors property is larger than mine causing my escrow payment to increase unexpectedly. Once I discovered that my property taxes were not being paid months were spent trying to get an answer from wells Fargo, and was constantly told that they were paid and they could do nothing about it. After discovering and informing wells Fargo that they were paying my neighbors taxes with my money no progress was made unless I called in weekly. I was not reimbursed the full amount I overpaid.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts, nor did I authorize these companies to run my credit. This is a second request to remove this information from my credit profile.

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 2019-02-28
Company: EQUIFAX, INC.
State: NC
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 XXXX is reporting the mortgage as an individual account. The account is joint with my ex husband, I am not a veteran. He received the house in the divorce and is not making the payments. It appears that the house is only in my name and I am not a veteran, so there is no way I can get a VA loan. I have disputed this and XXXX XXXX XXXX will not listen. This is not on my ex credit at all. This has stopped from being able to get anything because no one believes anyone else is on the account. XXXX  XXXX XXXX is breaking reporting laws and I'm requesting this is deleted from my credit report. My ex has filed bankruptcy so my mortgage company says this other mortgage should not be reported at all. So they don't report the house I live in and pay the payments on time. So this one that shows only in my name not being paid on time looks doubly bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Experian Information Solutions Inc.
State: CA
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 will not allow me to freeze my credit report and will not specify a reason. Given the recent hack of XXXX, this is unbelievably frustrating. Additionally, the company will not provide a customer service number, so I am unable to speak with someone directly.

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 2019-02-28
Company: JPMORGAN CHASE & CO.
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 would like to dispute two unauthorized charges I found on my credit card. 

It is unfortunate that I didn't find this charge until I am gathering information for my annual tax. 

The two charges are XX/XX/2018 XXXX XXXX  {$1500.00} XX/XX/2018 XXXX I didn't authorize for these two payments, so it is considered as fraud, but Chase bank refuses to process and dispute these two fraud payments for me. Please help me to look into this. 

thank you very much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a certified letter to Transfinancial Companies in which they didnt respond. So, I proceeded to send a letter to the Credit Bureaus in which they ( Credit Bureaus ) stated they validated that it was mine, however during the verification process they still didnt send me anything with my signature to prove that the debt was mine. The debt is in the amount of {$640.00}. This is a violation of HIPAA because Im allowed under HIPAA to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPAA does allows the release of limited information about me but with the patients authorization. Therefore my request was twofold-validation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: JPL Recovery LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several phone calls from a debt collector under the name of JPL Group, claiming that my debt of XXXX in principal with the company XXXX XXXX had been transferred to their company for collection. The voicemails threatened lawsuit action and left various different contact numbers. After several missed calls, I answered a call from JPL on XX/XX/XXXX. A woman named XXXX XXXX informed me of the above-mentioned debt. She said that if I did not pay the debt in full over the phone, they would serve me with court papers and court date, claiming I would need to defend my case in court. I told her that I would need to verify the debt as legitimate before I would give her company any money and asked her for contact information. She provided me with this information : JPL Group jplgroupsolutions.com XXXX XXXX - Civil Processing Division Collecting debts on behalf of XXXX XXXX XXXX ext. XXXX Business Hours XXXX XXXX - XXXX XXXX  Loan received : XX/XX/XXXX Principal Balance : {$500.00} I requested copies of my bank statements for the entire 2012 year, and I found no deposit made from ANY loan company. 

Next, I called XXXX XXXX and provided them with my personal information. The customer service ran my information through the XXXX XXXX database and no record of any loan. He then passed my information along to his manager who ran my information through the company 's extensive database. Again, there is no record of loan issued in my name at any date or time. 

XXXX XXXX filed a complaint in regard to this fraudulent matter and asked that I also file a complaint as an individual to aid in the prevention of further fraudulent debt collection attempts by the company JPL Group.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt verification letter sent XXXX. Response from debt collector, ERC, on XX/XX/28 and is just a bill. Nothing with my signature that verifies that this is my debt. Also the address listed on the bill is not my address nor have I lived in that home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought a piece of jewelry from XXXX XXXX using their relationship with XXXX XXXX XXXX. This transaction totaled about $ XXXX and was made up of two different balance timelines ; one for about $ XXXX and another for $ XXXX. A return also occurred on one transaction that was removed from the balance. I paid off what I thought was the entire balance within the required time frame, but had miscalculated by a few thousand dollars because of the return. I was a few weeks over the line on this small remaining balance and was assessed a finance fee of XXXX on about a $ XXXX balance. Discussions to bring this to a reasonable conclusion failed terribly as they were unwilling to compromise. 

To make matters worse, they have assessed a late fee on a remaining balance of {$25.00} that I did not know about. Now they want {$56.00} in total. This was not a balance that I had financed with them but another fee. 

The just outcome would be a total return of the interest balance that was paid to them. I had made my payments in good faith and even paid the interest balance to make sure nothing ended up affecting my very good credit rating, however being so unreasonable with a credit report to threaten is a bully 's approach of doing business. 

I will not do business with them or anyone that they finance in the future unless this is resolved, and I will make sure other consumers know about it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/2020, I sent a letter regarding wrong and inaccurate things on my credit report. To this day, over 60 days, I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to remove those from my credit report immediately, and it's been over 60 days, so they should be deleted promptly. Also, my information was impacted by the XXXX  data breach and may have gotten into the wrong person 's hands.

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 2023-07-31
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX mobile lines were opened fraudulent and now a collection agency tried to collect I filled out fraud packet notarized they said because address matched responsible sent it back to XXXX  now XXXX  sent to another collection agency erc threatening reporting to credit report and collect I already explained fraud they have not complete investigation properly id match signiture match facial recognition nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a prepaid secured credit card with Citibank in XX/XX/XXXX. It was for {$200.00}. After a year they upgraded my account and said they would send me a {$200.00} check. I never got the check. I called them several times and spoke to customer service representatives from XXXX who told me some of the most bizarre stories to explain why I haven't received my check. Well, after a few days of haggling their threads of nonsense, I was informed that the check would be issued 18 months after the account opened. ( Even though the account had been upgraded to unsecured. ) Okay. That's what the original agreement entailed so I was fine with that. Guess what? This is now month 18 and still no check. Today, the reps from XXXX said that my {$200.00} is now part of my credit line and that I would not be receiving my money since I have been specially selected for a non-payment promotional! UNBELIEVABLE!! The conversation was recorded today, XX/XX/XXXX, XXXX my time. This lft me with no choice but to close the account. I've wasted countless hours with their inept customer service and now I just want my money back minus the amount I have in the 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 non-monetary relief
Consumer complaint received 2019-02-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I SENT LETTERS OFF XX/XX/XXXX AND STILL HAVE NOT GOTTEN A RESPONSE OR REMOVAL FROM EQUIFAX.

Company response to consumer: Closed with non-monetary relief