BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
Discover card has reported an account to the credit bureaus that does not belong to me. There was an account opened using an address that does not belong to me in a different state. Discover card reported this address to the credit bureau as my address and I have never lived in that State or at that address and they refuse to remove the disputed information from my credit file. The account has never been paid and the credit card was maxed out within 90 days of opening it. The address used to open the account is a hotel in a shady part of XXXX Georgia.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Kohls has went back and changed my payment history to show I never made on time payments which is false. My account was in a positive status for awhile. I had my account and then fell on hard times. I am very upset to see they went in and reversed my payment history to show no on time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
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: Personal information incorrect

Complaint:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.

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 2023-03-24
Company: MOHELA
State: PA
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:
they are incompetent and are not processing my PSLF applications correctly. I worked at XXXXXXXX XXXX XXXX ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX and they missed the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the form covered from XXXX to XX/XX/XXXX. 

I also turned in a form from XXXX that covers XXXX and XX/XX/XXXX and next month I will turn in for XX/XX/XXXX and I qualify for forgiveness. Some incompetent closed all my forms out except for 1 and I had two forms for two different agencies that has to be processed. They left XX/XX/XXXX form open and now the 90 days starts over I had to submit two more forms today. If they can not properly handle student loans they don't need that contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have multiple inquires on my file. i did not request these inquires. 


Name Requested On 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 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 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 2018-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Following a recent review of my credit report at the Equifax, XXXX and XXXX  consumer reporting agencies, I learned that XXXX XXXX XXXX ( account number XXXX ) ; XXXX XXXX ( account number XXXX ) and XXXX XXXX ( account number XXXX ) were reporting delinquent 30 days when this was not the case. In fact, the accounts should report paid as agreed with no delinquency whatsoever. 

I contacted the creditor and credit reporting agencies and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. 

Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since 2000, I deserve more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Santander Consumer USA Holdings Inc.
State: MI
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 recently financed a new vehicle and was aware of the companies that would pull my credit report. However there are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX XXXX XXXX   SANTANDER CONSUMER USA Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX XXXX XXXX XXXX  
Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX There are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Between the dates of XXXX XXXX I made a payment in full to XXXX XXXX. A few days after making the payment in full I noticed and collection agency, XXXX XXXX reported the debt and was showing the same debt of {$3400.00} was unpaid. I contacted XXXX XXXX and they confirmed that they do see that the debt was paid, I checked online and the bill is paid. XXXX XXXX also advised that they would report to the debt collection agency that the debt was paid in full. I went the extra step and contacted XXXX XXXX and their representative outright bullied me and claimed I had to pay them when I had already paid XXXX XXXX. So I gathered all of my proof of payment, submitted to Experian and XXXX. XXXX  is currently working and investigating the dispute. Experian however refuses to remove/update my credit report despite me providing receipts and documentation including payment confirmation numbers directly to XXXX XXXX. I have submitted the dispute twice now with the supporting documents and each representative, the last one by the name of XXXX in XXXX XXXX who refused to give her last name, stated that Experian verified the debt with XXXX and therefore they would not remove/update my report despite the fact that she sees the payment confirmations.

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 2021-02-28
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Please see the attached complaint I sent to the CEO of Suntrust Bank ( now Truist ). I have received no response from Truist. I believe sufficient time has passed for a response, consequently I am contacting the CFPB.

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 2020-10-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice from XXXX XXXX that a new collections was added to my credit report. I have been trying to fix my credit for two years, so I watch it carefully. I had to XXXX the name of the collections agency to find a way to contact them and I had no account number or idea where this debt came from. I called asking for clarification and they said they would mail it out, I did not receive it. I filed a complaint with the XXXX  that I never received a notice before they reported this to the credit bureaus and the company finally responded saying they had sent out a notice and attached a pdf of that notice. When reviewing it to see what it was, I see that they are missing part of my address, so the initial letter never even made it to me. They claim they never received it back as undeliverable, but I can not explain that. I am guessing it went to someone else in my complex, as they did not include my apartment number, so nobody would have any way of knowing who it belongs to. I simply wanted clarification and if it is mine, I should have a chance to pay it off before it negatively affects my credit, as it has. I am trying to purchase a home and this was a devastating hit to my credit. If it is mine, I absolutely will make arrangements to pay it, but it should not be on my credit report until I have the chance to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since the coronavirus lock-down ( XX/XX/2020 in California ), I have written 3 secured email messages from the Penfed website over the last 4 months. All received an auto-reply stating that they received the message and would reply ... however, they never replied. I tried calling the company several times ; every time I was placed on hold for over 15 minutes, with instructions to contact them via secure message,,, which, of course, never worked, since I never received a reply. Today, XX/XX/2020, I stayed on hold for around 30 minutes,,, I finally reached someone, who then placed me on hold again, presumably to wait for another agent, but that agent never arrived, and eventually I was disconnected.

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 2020-09-10
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: Information belongs to someone else

Complaint:
I've contacted XXXX XXXX and the credit bureaus requesting them to remove two vehicle loans that are now closed but reflecting late payments ; however, my divorce decree property settlement states my ex-wife is responsible for these account balance since 2013.

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 2019-03-30
Company: CITIBANK, N.A.
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:
sent ftc violation to the creditor and bureau

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 2022-05-04
Company: EQUIFAX, INC.
State: AL
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 Credit Reporting act XXXX Account # 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 an Account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Perfection Collection
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification from collection agency XX/XX/XXXX stating I owed {$820.00} with no additional information as to what I owed the money for. I submitted dispute in writing with request for details as to what it was I owed for. The notice was submitted within the 30 day period from when the letter was received. I received nothing from the company, then the collection showed up on my credit report. When I contacted the company, they advised me they moved suite numbers at the same address and never got my letter disputing. I asked for proof in the initial letter I mailed requesting validation of the alleged debt and never received anything. I verbally asked for proof once again a month later when I called and still have yet to receive any kind of documentation for proof that I owe this money. I was told this was for a security system I purchased in XXXX, 10 years ago ( which I never did ) They said this was a new account they acquired from a company who is no longer in business. XXXX XXXX was extremely unhelpful and rude and said that I owed the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase Bank discourages customers from filing reports of unauthorized charges. I have called the Bank a total of five times now. The first I was told to call back during business hours, Other times transferred multiple times waiting on long hold times and never getting to file my claim.

I am currently on hold for the fifth time right now. I have been transferred twice and still have not spoken with anyone who can take my claim. At this point- today only- I have been on hold for 45 minutes and gotten nowhere.

All told- I have been on hold trying to resolve this four about four hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
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: Account information incorrect

Complaint:
Payment made XX/XX/2019 was not correctly posted to my account, they admit the error, and they refuse to correct the issue.

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 2023-01-02
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: Information belongs to someone else

Complaint:
{$1300.00} I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report several times, but they still show up on it. I want you to continue the investigation until all the information is correct. If you can not do it, remove the negative accounts from my report. I also have inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: DISCOVER BANK
State: GA
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:
Upon reviewing my XXXX  Credit File, I noticed an unauthorized inquiry from Discover Financial Services with a date of XX/XX/2019. There is a number of XXXX listed so I called and requested assistance with getting the unauthorized inquiry removed and advised that I do not have an account nor have I applied for one. I provided my name and full social and was advised via the number listed with the inquiry that there was not an account for my social which I was aware of as I have never opened an account. The woman also advised that there was no applications on file. I advised her that is further more a reason why the inquiry needed to be removed and she advised that no one could assist me at that number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 credit reporting act. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Collections Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022 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