BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My complaint is with Experian. 

They have dropped my credit rating ( within the last six months ) from XXXX ( in XXXX ) to XXXX ( this month ). 

XXXX  and XXXX  have maintained my rating at 800+ throughout this time period. 

The only reason I can see for this unfounded manipulation is that they want me to signup for their " Experian Boost '' program. 

Perhaps you will have the same complaint from others.

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 2022-01-14
Company: Experian Information Solutions Inc.
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 one late payment in 2020 during the COVID period, XXXX XXXX XXXXXXXX reported me late during a period where the cares act covers consumers during hard times. I have attached a letter please have this late payment deleted

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 2018-09-11
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have 7 collection amounts listed by XXXX XXXX  XXXX XXXX. They never contacted me, I received no voice messages or letters. I learned about them from a credit report retrieval. I've been paying XXXX $ a month to them to get this resolved, yet I still haven't ever gotten an account statement. When I try specifically to pay on one of the 7 collection amounts on my credit report they tell me that it's listed as a lump sum in one account. If this is so, why are their 7 different collections listed and if I do have 7 different collections why can't I pay one each one individually?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Identity stole during driver license chhange from XXXX to now, suring the period several credit cards were opened and spent 2-5 thousands each. Also has parking citatons been sent to my address.

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 2023-03-14
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Your " choices '' in the other category did not apply to me. I filed a complaint with the Comptroller of the Currency who referred me to file a complaint here. 

I am a XXXX XXXX XXXX and have been certified in the state of Florida for 30 years this XXXX. Approximately 15 years ago, Citibank , N.A . audited an appraisal and removed me from their list of appraisers. Essentially, I was blacklisted. This impacts my avenue of work as many mortgage firms sell their mortgages to Citi and their subsidiaries. 

I asked Citibank through the years about how I might be able to repair this problem ~ asking if I could take additional course work and the like. They have never responded to my requests. It is my understanding based on conversations with peers that I am not alone in this dilemma. 

At some point, shouldn't this " list '' be expunged or something? Am I to be held hostage for the rest of my working career by this company? I have no problems with any other lenders, and in 30 years of appraising, isn't that saying something? 

I really hope you can help, or direct me to someone who can. 

Respectfully, 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 2018-09-11
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXXXXXX XXXX ; ( XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX CONTRACTED COLLECTION OF DEBTS NOT OWED TO RS CLARK & ASSOC. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX DATE : XX/XX/2017 AMOUNT : XXXX ISSUES ; I WAS WRONGFULLY EVICTED AFTER I COMPLAINED TO THE APARTMENT MANAGER TO FIX BED BUG INFESTATION IN MY APARTMENT. I KEPT COMPLAINING BUT, IT WAS NOT TREATED AFTER MUCH PRESSURE I WAS FORCEFULLY ASKED TO VACATE THE APARTMENT. I HAD A 7-MONTH LEASE BETWEEN XX/XX/XXXX-XX/XX/XXXX BUT, FORCEFULLY EVICTED XX/XX/XXXX. I WAS THEN CHARGED FOR BROKEN LEASE. I PAID RENT FOR THE MONTH OF XXXX AND WAS NEVER LATE. ( XX/XX/XXXX-XX/XX/XXXX ) RENT SHOULD BE ( {$690.00} X 3 ) IF I WAS ALLOWED TO COMPLETE MY LEASE. EVERY ATTEMPT TO RESOLVE THE MATTER WITH THE MANAGER OF THE APARTMENT AND THE HEADQUARTER -XXXX XXXX FAILED. {$5900.00} WAS REPORTED AS COLLECTION CHARGE OFF ON MY CREDIT AND THIS HAS MADE LIFE WORSE.I NEED HELP. SUPPORTING DOCUMENTS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hope this message finds you well. I am writing to address a matter of utmost importance regarding my credit report. It has come to my attention that my rights, as outlined in 15 USC 1681c-2 and 15 USC 1681b , are being violated due to fraudulent activity on my account. I am a victim of identity theft, and I have taken the necessary steps to report this incident to the Federal Trade Commission ( FTC ), as indicated by the FTC report filed under reference number [ XXXX ]. 

I understand the critical role that credit reporting agencies play in maintaining accurate credit information, and I am reaching out to request your immediate assistance in rectifying this situation. The fraudulent accounts that have been opened in my name are causing considerable distress and potential financial harm. :

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 2019-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2019 I rented a car from XXXX XXXX XXXX. The rental agreement was XXXX. The salesman told me that this would be the total of the purchase. After I went home I noticed a {$250.00} dollar charge. I never agreed to this charge and was never told about this charge. Ive called Capital one several times and despite there zero fraud liability advertisements they refuse to remove this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-04
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
I called comenity bank about my Zales balance still showing {$1700.00} balance when I paid it off in XX/XX/XXXX. They said that they had computer issues and have not been able to update accounts, but were in the process of fixing the issue. That was XX/XX/XXXX. I tried talking to them again today and they didnt seem to understand my issue and gave me the number for XXXX XXXX but I couldnt get anything except a report from that company, which I do not need to buy. I have been trying to clean my report off completely and that was the last debt aside from my mortgage that I needed off to get the score that I need. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: PA
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:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Franklin Collection Service, Inc.
State: IN
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 SOLD TO FRANKLIN COLLECTION SERVICE, INC  CASE NO.XXXX, CLIENT NO.XXXX IN THE AMOUNT OF $XXXX AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT.YOU ARE IN VIOLATION OF THE DODD-FRANK ACTS.O.L. EXPIRED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Old information reappears or never goes away

Complaint:
I HAD AN ACCOUNT WITH XXXX THAT WAS CLOSED AND BROUGHT TO COLLECTIONS.. I'M HOMELESS AND UNEMPLOYED, AND I'M ON A FIXED INCOME..I CONTACTED THE COLLECTION AGENCY AND TOLD THEM MY SITUATION..WE CAME TO A SETTLEMENT AGREEMENT OF $ XXXXTHE BILL OWED TO XXXX WAS {$260.00}. THE COLLECTION AGENCY AGREED WITH SETTLEMENT, AND TOLD ME ACCOUNT WOULD BE REMOVED FROM MY CREDIT IN NEGATIVE STATUS..UPON PAYING THE AGREED SETTLEMENT, IT IS STILL SHOWING ON ALL 3 CREDIT BUREAUS AS A CLOSED ACCOUNT AND SHOWING THAT I SETTLED ACCOUNT FOR LESS THAN WHAT WAS OWED ... THAT REPORTING HAS BEEN AFFECTING MY LIFE NEGATIVELY..I CAN'T GET HOUSING RIGHT NOW BECAUSE OF THIS BAD REPORT BY XXXX.MY CREDIT SCORE WAS OVER XXXX XXXX AND XXXX FLAGGED MY CREDIT FOR COLLECTION..SINCE THAT XXXX REDUCED MY CREDIT XXXX POINTS FOR THAT ACCOUNT WITH XXXX, EVEN AFTER AN AGREED SETTLEMENT WAS PAID..THEY REDUCED MY CREDIT TO A POOR RATING, FROM A GOOD RATING IN LESS THAN ONE MONTH..I ASKED THEM TO REMOVE SUCH NEGATIVE REPORT, AND THEY REFUSE TO.. XXXX HAS TAGGED THAT ACCOUNT TO BE REMOVED IN XXXX.THE COLLECTION AGENCY AGREED TO SETTLE OUT WITH ME AND THAT THE ACCOUNT WOULD BE REMOVED FROM MY CREDIT REPORT ... NOW XXXX HAS DAMAGED MY NAME AND CREDIT WORTHINESS..I HAVE NO OTHER OPEN ACCOUNTS XXXX BASICALLY HAVE NO CREDIT, BUT THE ACCOUNT I HAD WITH XXXX THEY ARE REFUSING TO REMOVE FROM MY CREDIT REPORT.. I'M HOMELESS IN CALIFORNIA, I'M TRYING TO GET HOUSING.. EVERY TIME A MANAGEMENT COMPANY CHECKS MY CREDIT THROUGH XXXX, THEY GET A POOR CREDIT RATING, BECAUSE OF THE REPORTING OF XXXX THAT I SETTLED OUT WITH IS SHOWING ME IN A NEGATIVE WAY ... I DON'T THINK A CREDIT AGENCY SHOULD BE USING THESE MALICIOUS TACTICS THAT IS AFFECTING MY LIFE NEGATIVELY WHERE I CAN'T GET HOUSING..ITS WRONG AND DISCRIMINATORY..I HAD GOOD CREDIT..THEY ALSO ARE SHOWING THE LATE PAYMENTS FOR THIS ACCOUNT ON MY CREDIT REPORT, AND I BELIEVE THAT IS ILLEGAL... TRANSUNION AND XXXX HAS MY CREDIT SCORE ABOVE XXXX, EVEN WITH THE XXXX THERE, AND XXXX HAS MY SCORE BELOW XXXX, SHOWING ME AS HAVING BAD CREDIT AND CAUSING ME TO NOT BE ABLE TO GET HOUSING HERE IN XXXX XXXX CALIFORNIA..WHY IS THIS CREDIT AGENCY HOLDING MY LIFE HOSTAGE WITH A 3 DIGIT REPORTING NUMBER... THEY SHOULD NOT BE REPORTING A CLOSED ACCOUNT, THAT WAS PAID ON..

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 2023-02-26
Company: Experian Information Solutions Inc.
State: MA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$880.00}, XXXX 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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have checked my credit report and saw that there are items appearing that need to verify because I am not aware where they came from, below are the items appearing ; XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and I wanted these items to be removed on 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 non-monetary relief
Consumer complaint received 2023-02-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have sent Letters to the person/creditor and they have not abided by what ive requested. 
XXXX XXXX have shared my information without my approval, this violates law 15 U.S. Code 1681 In addition, They have violated my CONSUMER LAW by not giving me the option to OPT OUT from reporting this information to a third party! 
15 U.S. Code 6802b XXXX XXXX account number - XXXX. 
Date opened : XX/XX/2016 via XXXX  Please DELETE ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Jim Bottin Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2017 I cancelled my gym membership with XXXX XXXX. Cancellation confirmation was provided in writing by XXXX and a copy was provided to ABC Financial.  Attached with this complaint for your records and investigation into ABC Financial is a XXXX dated email and confirmation of cancellation letter confirming the gym membership was cancelled. Despite the fact that this cancellation was confirmed, ABC financial contacted me by telephone and harassed me with collections notices demanding payment for a cancelled and confirmed gym membership. ABC Financial called me repeatedly and did not stop calling after I advised them to stop. ABC Financial attempted to collect debts that were not owed and threatened to take actions that can not legally be taken. In addition, ABC Financial failed to send a notice summarizing debt within 5 days of my written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
American Express has done a huge bad impact on my business with their bad reputation by allowing returns & refunds to their customers without the proper verifications methods to comply with the law. 

In the past year I had lost over XXXX US Dollars for the simple reason that my business has been affected by people with bad financial habits or personal live problems requesting returns for jobs that takes even 10 or more hours to complete with expensive equipment and because American Express customer says they don't like the products they can give XXXX and ever more refunds without sending an inspector to the place to find out the problem like every insurance services will do with their customer when filling a claim American express just apply the rule of giving the refund to their customer giving XXXX of dollars lost not only to me also to many other customers around the country and is time to apply the law and have them to pay me and many other hard-working people money back. 

No, Person 's money should be taken away without the proper investigation, especially for jobs that have been completed if American Express wants to return money do it from your pocket, not from hard-working people 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
This account is showing inaccurately on my credit report and this is violating my regulation z law, and I don't appreciate my credit report showing wrong information on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: WINNPOINTE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was working with XXXX XXXX from Interactive Mortgage, XXXX : XXXX. They locked my rate and approved the mortgage. But they could not find a secondary buyer for my mortgage and after two months, they still did not close and would not provide the closing date. I have no confidence they will close the loan but my credit now shows two inquiries, making me hard to shop for a good interest rate with another lender now. In the meantime the interest rates have also increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I called Experian today telling them I had not authorized several inquiries and they told me they couldn't do anything about 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 2023-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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Company response to consumer: Closed with explanation