BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-04
Company: Monarch Recovery Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a debt collector XX/XX/XXXX stating I owed {$3000.00} for charge with XXXX Bank for a purchase from XXXX XXXX XXXX. I never heard of this prior and did not see anything alarming on my credit information by my XXXX credit accounts through XXXX XXXX, XXXX XXXX and XXXX. I sent a return certified letter requesting more insight for this alleged charge. XXXX XXXX XXXX returned a few statement copies reflecting my name with the address of a XXXX XXXX XXXXXXXX about XXXX miles away from my current residence. I did own a home XXXX miles from that area until XXXX, but it seemed coincidence. 
Today, XX/XX/XXXX, I looked deeper into the XXXX XXXX credit information with XXXX  that indicated there was a credit inquiry by XXXX XXXX on XX/XX/XXXX. It was about the time I made a purchase from XXXX for tires and wheels for $ XXXX I actually took a XXXX payment offer through XXXX  that was paid off early. Originally I thought the whole ordeal was taken off my name only, but now that I see the bank made a connection on my SSN, this is deeper fraud including identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Experian will not freeze my credit report online despite entering all the required information asked by their website. 
I also tried their phone number to freeze my credit report without any success. 
They would like me to send the information by snail mail which is highly inconvenient. 

I did not have any problem freezing my info with XXXX and XXXX. 
I believe Experian has purposely made it hard so that consumers are forced to subscribe to their paid subscription to lock credit. I am sure they are violating some consent decree by making it impossible to freeze my credit report online.. 

It is extremely annoying that Experian makes money on my credit and makes it harder for me to control 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 non-monetary relief
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: IN
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 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 2021-06-21
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:
Name : XXXX  XXXX XXXX Amount : {$590.00} Date opened : XX/XX/XXXX Status Date : XX/XX/XXXX On various occasions I have reached out to EXPERIAN CREDIT REPORTING AGENCY, to remove this inaccurate and fraudulent account of my credit report. Which they did and later reinserted it to my report. I contacted experian again via phone call on XX/XX/XXXX and a letter but they refused to reinvestigate. 

Also they violated my right by the FCRA by refusing to notify me in writing why the negative item was reinserted with 30days and also till date I havent gotten a letter from experian.

They took over 120points from my credit and are still reporting this fraudulent account and a supposed charged-off account since XXXX on a month to month basis on my report.. 

NB : I have written over 4 letters to Experian concerning this account and 3 phone calls.

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 2023-09-01
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I, XXXX XXXX, am submitting this complaint on behalf of myself without anyone else. 

I received a generic letter from this third-party debt collector dated XX/XX/2023. It stated to dispute the debt before XX/XX/2023, which I did so via XXXX XXXX XXXX and was delivered XX/XX/2023 at XXXX. Please see attachments for proof. A few days later, I get an alert from one of the consumer reporting agencies, ONLINE INFORMATION SERVICES furnished this alleged debt to my consumer report. That is a violation of title 15 U.S. 1692. I also, requested documentation from them and received nothing. Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an incident regarding a bank robbery at a Chase Bank ATM about 2 months ago ; A man outside the bank followed me inside and demanded I cash his fake check and give him the amount on it. I was fearful for my life and did whatever was asked of me as this was late out and I was alone. I spoke to the police and gave the police report to Chase Bank after they asked for it but they still rejected the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have  provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP. I have also attached company of it being deleted from my XXXX report. 

The inquiries below I didn't authorize please delete all 6. 

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 Finance XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Enclosed find for card ending in XXXX an email received XX/XX/2023 through our email at like XXXX XXXX  I did not nor do my wife on joint account that you have issued to cards for with different numbers that we can not even track. The purchase as at a XXXX XXXX XXXX for {$79.00} never heard of or would we use a credit card. So, first issue is we are not able to check this, second is we didnt make this purchase, third same account never had different numbers on cards and very disappointed we can not track both cards on this account since you chose to do this. 
We are married been so for 37 years and everything is joint on all other accounts and we dont appreciate you deciding to make it separate and hard for us to track. 
Next issue is of your crediting our account payments sent each month that state principal only, our balance not being reduced and we have questioned this for years. Sent number complaints with nothing be done we are including just a few for last8 months, however we want years of applying payments corrected and our account to reflect the correct amount we owe. We often paid amount for amount charged but you did not apply correctly but charged us interest no problem. we have sent them copies of the payments and amounts that they don't apply corrtectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: I.C. System, Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report after trying to obtain loan for educational purposes and was denied due to account on my credit report. I have never applied for credit nor entered any type of signed agreement of any kind with this company. I would like this account removed immediately from my credit report. It is incorrect and I would like to know who granted them access to 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 2018-11-19
Company: Credit Plus Inc
State: OH
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 received a hard inquiry on my credit report around the dates on XX/XX/2018-XX/XX/2018. I did not to my knowledge apply for anything that would warrant this enquiry. I would like more information on who performed enquiry and have it removed from my report. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've recently checked my credit report and realized I had several accounts reporting on my credit files that don't belong to me. I have zeros knowledge how these fraudulent accounts got on my credit file. 

1. XXXX XXXX Account XXXX 2XXXX XXXX Account XXXX 3.XXXX Account XXXX 4.DeptedXXXX XXXX 5XXXX Account 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 2023-04-20
Company: EQUIFAX, INC.
State: SC
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 dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: MS
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:
I have pulled my credit report and saw accounts that I am not aware of, These accounts should be deleted from my credit report since this is a violation. 

Late Payments 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

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 2023-04-20
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My FSAL was scheduled to close in XXXX, this did not happen. ACS was the loan holder of record. Why didn't the FSA loan close as scheduled in XXXX? Instead the loan was acquired by NELNET in XXXX and two cancelled loans from XXXX, XXXX dollars, never disbursed were added to my FSA. This is illegal. Another TRUMP ADIMISTRATION FINANCIAL CRIME! The FSA promissory note was signed in XXXX for 14 loans, scheduled to close in XXXX. Where are the records that record my FSAL was scheduled to close in XXXX? Who has them? It is illegal not to have a record of when loans are scheduled to close. My FSA account now shows there are 17 loans, this is fraud! There is one promissory note for 14 loans signed in XXXX. Close my FSAL immediately! It is five years passed the scheduled date to be closed. The XXXX one loan consolidation is too old to be reported to the XXXX Credit Bureaus as it is passed the 10 year old reporting date. Close my FSAL account immediately it is five years passed the scheduled close date of XXXX! It appears this is another TRUMP XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
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:
Equifax Received letter from XXXX about my credit score which had reduced and listed four areas of difficulty. Called them and got a foreign operator who was not fluent in English both in verbal communication and in comprehension. Finally he tried to sell me a service to monitor my credit which I declined. I am XXXX XXXX XXXX and pay everything my autopay. In the last 3-5 years I have not purchased any item which should flag my report. The representative could not explain any reason for this only that is how a score is generated every month. So sad that this may be happening to me but also to others because of an unknown. I have a mortgage, insurances, credits cards all on auto pay. Have never received a late notice in years. I do have some unused credit cards but have been told that if I close them it affects my rating so i just hold them. Also I was on hold for Equifax for over XXXX minutes. Just thought I should contact someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2023, Nelnet reviewed my application to change my IDR plan from PAYE to SAVE. They decided to keep me on the PAYE plan because the monthly amount due would be the same for both plans. I would owe {$0.00} under these plans because I dont have income. However, the SAVE plan would stop the interest to continue to incur every month. 

I called Nelnet multiple times in order to resolve this problem with no success. Finally, I was instructed to just apply again by a representative. On XX/XX/2023, I went ahead and applied again for a change of plan from PAYE to SAVE. For a second time, I was kept on the same plan even though I qualify for the SAVE and it would be the best option for me because I wouldnt have a ballooning interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
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 just noticed that there have been several inquires that have been added by someone that have stolen my information. THIS IS FRAUD.

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 2020-07-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I attempted to lift a security freeze with Equifax so that I could switch to a different cellular carrier. I did this through their automated system which stated the freeze was lifted but when trying to run a check through Equifax the report still came back as frozen. 

Over a three hour period I talked with three agents none of whom were able to resolve the issue and when I asked to be transferred to a supervisor I was disconnected. This morning ( XX/XX/XXXX ) I again tried to go through equifax and the agent was unable to resolve the issue and stated that no supervisor was available and the only way to contact a supervisor would be to start the entire process of getting through their automated system to an agent ( which takes 10 to 15 minutes ) and then getting the agent to check whether there is a supervisor. 

I tried to check the credit report again this morning and it still shows as frozen when checking via any external site so Equifax states that the freeze is lifted internally however when a query is made from an external firm it still states it is frozen. It has been nearly 24 hours since I started this process and Equifax has provided no means to resolution. I placed the freeze in place originally because of the Equifax breach and now I simply want to release it for a short time or even permanently at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Bread Financial Holdings, Inc.
State: WY
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:
Due to pandemic, I entered into settlement ( accommodation ) agreement with XXXX Comenity. ( Comenity Capital Bank ) on XX/XX/2021 with XXXX XXXX at XXXX XXXX. Account was paid current at the time request for accommodation was made. The debt/balance has been completely paid, however Comenity reported three late payments during the settlement process. According to the Cares Act, the law says creditor must report current paid status and no late payments during the Covid 19 natural disaster or face legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: CA
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 asked the credit bureaus to conduct an investigation on the XXXX XXXX  / XXXX XX/XX/XXXX account XXXX on XX/XX/XXXX ( see attached letters and certified receipts ). Each of the three bureaus conducted the investigation and reported that the information was updated and accurate. I then conducted further research on their investigation and I found further inaccuracies. For instance, after their investigation, Equifax states that this account was over 120 days late on XX/XX/XXXX, NO DATA for XX/XX/XXXX and XX/XX/XXXX, with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. XXXX, on the other hand, illustrates more than 120 days late on XX/XX/XXXX with Charge-Offs for each month from XX/XX/XXXX to XX/XX/XXXX. Finally, XXXX states that this account is 150 days late on XX/XX/XXXX and has NO DATA for XX/XX/XXXX to XX/XX/XXXX with a single Charge-Off for XX/XX/XXXX ( see attached investigation files ). The three credit bureaus did not conduct a proper investigation. 

In accordance with the Fair Credit Reporting Act XX/XX/XXXX / XX/XX/XXXX account number XXXX has violated my rights. 

15 USC 1681 section 602 ( A ) states that I have the right to privacy.

Furthermore, 15 USC 1681 section 604 ( A ) section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Due to extensive customer service issues I decided to cancel my American Express credit card. I called the customer service line on XX/XX/2021 and received assurances that the card would be cancelled. As of XX/XX/2021, not only has the account not been cancelled, but a new account has been opened, and the card associated with the account has been sent to an invalid address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: PA
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:
Unauthorized inquiries appearing on my credit report. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. 


Fruad accounts appearing on credit report.

Company response to consumer: Closed with explanation