BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-20
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: Account status incorrect

Complaint:
This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.

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 2019-07-20
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 status incorrect

Complaint:
This account was included in bankruptcy in 2017 and was also paid off. There were no late payments on this account which is being reported. I requested in writing the that they provide specific information pertaining to this account. The only response I received was from the credit reporting agencies stating that all information has been verified. I'm requesting that the late payments and negative items be removed from my report. These credit reporting agencies continue to fail on fallow the proper procedures and fallowing though with there disputes that we send in. This affects all those that obtain credit, good or bad. This shows incompetence and is unfair to all consumers. These credit reporting agencies should be held accountable for there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
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 is missing that should be on the report

Complaint:
A XXXX XXXX was purchased in XX/XX/XXXX, the company who financed the vehicle is XXXX XXXX is located Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone : ( XXXX ) XXXX, they required a tool to be attached to the starter of the vehicle which would cause the vehicle not to start if I failed to make payments. immediately after the purchase the vehicle began to falter, failed to start. after a cost of over 1800.00 in repairs the vehicle, that seemed to appear in one week, the vehicle still continued to fail to start. I made every payment on time for a period of 18 months, still continuing to have starter problems. A number of calls were made to XXXX as per the trouble with the starter, each time they failed to act or to address the problem. In may of this year XX/XX/XXXX, I traded the car off to the XXXX XXXX in XXXX, NC, and thus paying the car off in full. XXXX XXXX had not been reporting my payments to the credit bureaus, and after paying the vehicle off in full, the only action XXXX XXXX took was to report the account closed. No statement of accurate on- time payments for over 18 months, thus this has effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-12
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
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: Information belongs to someone else

Complaint:
i am an identity theft victim. accounts open in my name were not mine 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 2017-08-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made all my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.

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 2019-07-20
Company: EQUIFAX, INC.
State: MD
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 husband and I filed a dispute with Equifax and XXXX about our chapter XXXX bankruptcy. We have applied for a mortgage and the report they received shows that our bankruptcy has never been discharged or still open. When you look at our credit reports one company has we filed individual and one says joint. We are married filed joint and used a lawyer. This bankruptcy on our credit report is damaging our credit and preventing us from buying a home. 

Public Records Things like bankruptcies and legal judgments against you can show up on your credit report and do some damage to your score. 

Individual : Bankruptcy XXXX XXXX, 2011 {$0.00} Discharged XXXX Overview Reference Number XXXX Date Filed XXXX XXXX, 2011 Classification Bankruptcy Type Individual Responsibility Joint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
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 checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2021-03-24
Company: Better Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have refinanced my primary home address XXXX XXXX XXXX , XXXX, NC XXXX on XX/XX/XXXX XXXX from XXXX to Better mortgage. but better mortgage did not pay refinanced amount to XXXX XXXX till XXXX. almost 110 days after closing. 

meanwhile, XXXX XXXX kept on communicating me over phone and mail to me since XX/XX/2020 that they want their mortgage or they wil report credit agency. 
my credit and my paymnet history is superb in my life. and i kept on talking to Better mortgage and XXXX XXXX  about this mess and i was very under pressure and upset about this mess. 

now better mortgage did settlement with XXXX XXXX on XX/XX/XXXX and they also took XXXX USD from me as settlement. meanwhile XXXX XXXX also reported credit buiero and my credit history is still bad and i cant get loan. 
I have letter from XXXX XXXX that its not my fault and their fault. I believe Better mortgage did breach the contract for not paying loan for 110 days. so I want to claim my financial loss and time loss with better mortgage and XXXX XXXX. 
my profile is also got damaged first time in my life which caysed my otehr business plan to purchase hotel. Its been more then 200 days and my issue with refinanced still distubing me as my credit is still bad. I really need help with authority to help me Regards XXXX XXXX email - XXXX phone - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
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: Was not notified of investigation status or results

Complaint:
Failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.

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 2017-08-18
Company: Media Collections, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted the CFPB previously with another collection agency regarding this debt. The debt is not accurate the company refuses to send me the back up information proving the amount, I have provided the information to them, however, they still deny the situation. I am asking for your assistance to stop this credit collection harassment by this new company now.

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 2019-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Bank of America that they closed my card-without ANY indication why. The card has a XXXX dollar balance. However, I never received any notification that they were going to close due to inactivity ( if that is even the reason ). I called Bank of America on XX/XX/19 and they said they can not tell me why but they are going to send me a letter. This is very concerning. 1. Closing a customers account with no notice. 2. Not initially providing a reason why on the closure letter. 3. Still can not disclose information and have to wait another two weeks. Closing a consumer card impacts the consumers credit. If it is for inactivity I have NEVER heard of a card company providing notice to allow the consumer to be active on the card and prevent the closure.

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 2018-02-19
Company: JPMORGAN CHASE & CO.
State: NY
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:
XXXX XX/XX/XXXX, my credit card was charged for {$1900.00}, and on XX/XX/XXXX, my card was charged for XXXX by XXXX XXXX XXXX. I immediately notified Chase Credit Card services and told them these are unauthorized charges and I have never even step foot to XXXX XXXX, XXXX. Chase immediately gave me temporary credit for the XXXX unauthorized transactions and told me they would open up an investigation and look into the matter. At the beginning of XXXX of XXXX, I received a call from a Chase representative with their fraud department, telling me the issue has been resolved because merchant has been reluctant to cooperate and has only send in information that is not sufficient enough to justify the unauthorized charge. After she asked me a few more questions, I was told that I will also receive a copy of the result of the investigation in mail ( which I never did ) and everything is settled. In addition, I was given a new card with a new account number since the old card was found to be compromised. 
Fast forward XXXX months, the XXXX unauthorized charges are back on my account as of XX/XX/XXXX. All of sudden Chase is claiming that I've authorized the transactions and the merchant was able to provide documents showing that my chip card was used. This whole time I hold possession of my card and has not given any card information nor given access to anyone else to use the card so I know for sure I did not use the card, especially at a car merchant ( I don't even own a car to begin with ). I called chase on XX/XX/XXXX, XXXX, XXXX, and XXXX to request more information, not including dates when I called their Fraud department to leave voicemails for the specialists handling this case, also no including the couple times I've gotten their callback after leaving voicemail. I requested Chase to provide the documentations to me XXXX times and was told they will be able to send the documentations, I have received nothing in email or mail. I've filed a BBB complaint against the merchant and the merchant confirms that I am not a client with them and they have no records of me doing business with them. After I uploaded more information for them to look into the matter, they failed to respond to me. I've also contacted the merchant ( call and email ) who has refused to give me any details on these transactions and has demanded that I stop contacting them and sort it out with my credit card company instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 submitted several dispute letters about an unverified account on my credit report. I have asked for verification for this account to no avail.

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 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX  and Transunion. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found XXXX  at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated non-XXXX XXXX  borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to update my payment history immediately.

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 2022-09-06
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-09-14
Company: AC AutoPay LLC, Denver, CO Branch
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting numerous calls a day from this same company, I answered today and the person was very rude when I was asking her what debt this was for. She said for me to be quiet and that's probably why I don't know what's going on. She said I owed a XXXX XXXX XXXX, XXXX XXXX, which I don't and never had anything to do with either of those entity 's. I told her to send me correspondence and she hung up. I call back to ask what this was for again to find out what is going on and the female was again rude and I said she was real ghetto and she says, Your mama and hung up. I received a voice mail saying something about a check and calling my employer and garnishing my wages for recovery. So, now I am receiving numerous hang up calls from that number, no one saying anything and repeatedly calling. I have had 9 phone calls just today. They said they are with XXXX XXXX XXXX. XXXX. She also said they sent me a letter and I asked when and she said stop acting XXXX. I have no clue what this is for. I have other creditors but not what she is stating. Phone number is XXXX. Sending cease communications letter today.

Company response to consumer: Untimely response