BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: MD
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 saw a consumer report promoting EXPERIAN XXXX and how it could help improve your credit score when you pay your bills early. I signed up and the credit score it showed was a good XXXX points lower than XXXX and XXXX have been showing for over a year. In the process of signing up, I was asked to link my bank account- when I did that, my score shot right up ( within seconds ) to the same approximate score as the other two showed. I decided to give it a chance but then began to receive all kinds of emails to " upgrade '' - they did nothing but try to sell me things for the month or so prior to my unlinking my bank account. I can't see how any of this should be allowed, and I don't know why they needed my bank account to be linked - that makes me nervous. I usually can spot a scam or fraud a mile away and am upset with myself that I let myself be scammed just because " XXXX XXXX '' XXXX it as a good deal offered by a supposedly reputable credit reporting agency!

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 2022-11-05
Company: Experian Information Solutions Inc.
State: NY
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 ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please investigate and fix the accounts listed below. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$12000.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$240.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have talk to them so many times that I am only working part time and the school that I am paying on with this loan has been closed since XXXX and I been paying on this loan for about 10 years of the year of XX/XX/XXXX and my loan was only for XXXX and they said that I still owe them money and they have been having a lawsuit against them I feel they are ripping me off because the way I calcute it is that I still owe them money and I don't feel I do. I need some help getting this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: JPMORGAN CHASE & CO.
State: TX
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:
On a letter dated XX/XX/XXXX Chase states they are still working on my billing dispute for XXXX from the XXXX XXXX for {$410.00} on XX/XX/XXXX. It has been over 10 months since the date I initially brought up the billing error to their attention. This is way past the timeframe allowed to investigate and correct any billing errors. I provided Chase with an email from the hotel prior to check in which verifies my lower rate being honored, a copy of the lowest rate and a copy of the hotel 's low rate guarantee. Despite the hotel verifying my lower rate in writing they still charged me 5x the agreed upon rate which was changed after I checked out. I never agreed to, authorized or had any knowledge of the increased rate until after I had left the property. 

Despite the overwhelming evidence validating this to indeed be a billing error Chase has still taken 10 months and counting to correct it. This violated the Fair Billing Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: World Omni Financial Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from Southeast Toyota stating that I was behind in payments. I mentioned that it is the spouse that usually handles the payments and I requested to drop the late fees that have reached almost {$80.00}. I am not trying to not pay the monthly dues, but as good customer service, I requested to drop said late fees.

The supervisor then said that since they're audited by CFPB, they could not drop the accumulated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: TN
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:
Open Date XX/XX/2018 Balace {$290.00} XXXX Let a person open a account in my name and sent the credit card to a 8 year old PO Box that shoudive gave them a red flag u don't send a credit card to a PO Box u send a card to a fiscal address, this is wrong that XXXX XXXX system is outdated what is XXXX XXXX I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX  and 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 2022-11-05
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 a credit reporting 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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$260000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a fraud claim back in XXXX of last year and I still have not received {$2700.00} dollars of my fraud claim of almost XXXX XXXX dollars. I filed these fraud charges together at one time, when I discovered it, to Bank of America, here in XXXX. XXXX Mo. I was refunded all the funds except {$2700.00}. It was all fraud, the entire claim. But I was told the reason why I did not receive the {$2700.00} dollars, was because some one working at the bank withdrew my claim, so I would not receive all my refund from my fraud case. I did not withdrew any part of this claim, but the employee working at the bank did it without my knowledge or consent. I would like to have all my fraud claim refunded. I sent in the police report regarding the matter. I want them to honor the whole fraud claim because I did not make these charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: IL
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:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06
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 am so disappointed how XXXX and Experian did their investigation. They keep on reporting the account as a repossession but they wont give me an explanation as to why they wont fix it.. This error has affected my credit score. CFPB please step up and fix the account asap 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 2021-09-02
Company: CORELOGIC 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:
Received hard inquiry on my credit by Credco on XXXX without my consent that resulted in reduction of credit score.

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 2019-10-31
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacted the XXXX even XX/XX/XXXX and now I need them to be aware that they are reporting wrong opened date and wrong creditor.

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 2022-11-04
Company: EQUIFAX, 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:
There are 3 inquiries that I am not aware of, nor did I sign anything to pull my information. 

XXXX XXXX XXXX Equifax Mortgage XX/XX/XXXX, AND XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XXXX XXXX I filed a dispute with XXXX about 16 late payments reported on account from my Student Loans. On XXXX XXXX I got a notification that my credit score dropped 42 points from a XXXX to XXXX and my payments went from XXXX to XXXX. I checked the status of the dispute with XXXX + Transunion and it said that my dispute was pending investigation so im confused why my score was dropped for a pending investigation. Upon completion of the dispute, XXXX + Transunion said that nothing on my account changed and the disputed payments were still valid. So with that in mind, I called XXXX multiple times to see why my score changed although nothing was added nor taken away from my account and I received different answers every time I called and every rep told me that they had no idea why my score changed because it should'nt have been tampered with and they didnt see anything that should have changed it. I even had a rep tell me that my score would return to a XXXX 30 days after the dispute was completed which was also false. I still have yet to receive any answers as to why my score was tampered with for no reason and i am highly upset. This is against the Fair Credit act and I am tired of the run around.

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 2023-02-15
Company: National Credit Systems,Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX Balance : XXXX I have disputed this debt numerous of times explaining to them that I was a victim of identity theft and my information was used to obtain said property or merchandise. I have sent police reports and other said documents and they continue to resale this debt to other collection agencies for repayment affecting my credit and ability to obtain a place of my own to stay because it continuously shows up as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a documented ID theft victim of the 2017 data breach from XXXX. I have been trying for 2 years to repair the damage caused from such breach, however, XXXX  refuse to comply.

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 2020-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am living in one of the states most affected by COVID-19. I live in NY. I have been impacted by the virus and have been unsuccessful in reaching 3 of my creditors to discuss waiving of late fees, waiving of reporting derogatory information to the credit bureaus, discussing payment arrangements ( per their emails to their customers, like myself ). Not any of the 3 give any electronic communication options to contact them. They ONLY offer to call them by phone. I have attempted more than 100+ times, at all different hours, to reach them by phone and have been unsuccessful. I live on a limited income and have only a cellphone which has a limited minute plan. I do not know how to resolve this, get the benefits I am eligible per their email correspondence to me ( which has NO ability to respond to them via email ). I have just recently over the last 1.5 years worked very hard on improving my credit worthiness and my score. How can I protect my credit if I can not reach ANY OF THEM to preserve my credit and make use of their covid-19 benefits to those impacted?

The 3 creditors are : 1. ) Capital One - credit card 2. ) XXXX  XXXX - credit card 3. ) XXXX credit - line of credit by XXXX And due to the inability to reach any of them my bills with them are now overdue. I have been trying with extreme effort to reach them 3 weeks prior to my payment due dates ... .and still trying to reach them. The high call volume has caused longer than normal wait times and mostly informed that due to the high call volume it is NOT possible to wait on hold and their recording states " Try calling another time ''. 

Please help me. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 A VICTIM OF AN IDENTITY THEFT, AND THE THE XXXX  XXXX XXXX ACCOUNT ONM Y CREIT REPORT IS THE FRAUDULENT ACCOUNT WHICH WAS OPENED WITHOUT MY CONSENT. THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, I HAVE REACHED OUT TO THE BANK AND THEY DON'T HAVE ANY INFORMATION ON THAT ACCOUNT. SPOKE WITH XXXX AT THE FRAUD DEPARTMENT AND EVEN HE HAS NO IDEA HOW TO LOCATE THAT ACCOUNT. THIS ACCOUNT IS FRAUDULENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My bankruptcy has been charged off for 5 years and its still reporting on my Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 
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 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 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 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 non-monetary relief