BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been a victim of identity fraud and my information was exposed on several different data breaches there is information on my report that is incorrect and I have asked to be removed items that do not belong to me wrong address names inquiries and telephone numbers these things are hindering me from obtaining credit and causing great hardship to me this makes it easy for thieves to keep applying for things in my name i had no idea all these things where on my profile until doing some research last year i an just getting around to asking for them to be removed

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 2020-05-18
Company: Experian Information Solutions 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 information incorrect

Complaint:
My credit report shows ONE 30 day past due amount of {$79.00}. 

On XX/XX/XXXX I made a purchase at XXXX XXXX in XXXX, FL. I requested, at checkout, to have my account set to auto pay and that the email address on file needed to be changed from XXXX to XXXX. 

The checkout agent documented my account number and had me write my name and the correct email address on a piece of paper. 

The change of email address and auto pay never applied to the account as requested so the account was not paid automatically and the statements and alerts did not go to the correct email address. 

Once I uncovered that the changes were not made as requested I immediately brought the account up to date on XX/XX/XXXX from an initial payment due date of XX/XX/XXXX and paid the account in full on XX/XX/XXXX. ( 37 days passed the due date ) I called XXXX card services and they said they sent a letter to my house. I explained to them that I have been in a hotel and not been home since XX/XX/XXXX, due to travel restrictions and my need to work in essential industry. I asked them why they didn't call, and they said that was not their responsibility. I asked them why the email address wasn't changed and they said the store can only change my rewards email address and not my statement email address. ( that was not explained to me in store ). 
They called me back a couple days later and said that this is not their fault and would not update the credit bureaus. 

I am distraught that they are not making considerations with the current pandemic going on. The CARES ACT allows for people to miss payments for inability to pay due to covid-19. I can pay and have since payed the account in full, I just didn't receive my mail because I'm not home due to covid-19 and am living in a hotel since XX/XX/XXXX. I have perfect credit and this is now the only late payment on my 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 non-monetary relief
Consumer complaint received 2019-08-13
Company: Consumer Portfolio Services, Inc.
State: IL
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 sent a letter to CPS in XX/XX/XXXX regarding them pulling my credit on XX/XX/XXXX. I didnt give them permission to pull my credit. I included a copy of my ID and my report to show them I had a fraud alert and I should have been contacted before they attempted to pull any credit, but most importantly they should have verified the persons identity with them showing identification which clearly wasn't me. After I didn't hear back from them I contacted all 3 bureaus via letter XX/XX/XXXX and again XX/XX/XXXX til this date the inquiry is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the XXXX. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
( XXXX ) XXXX NOW Account # XXXX. ( XXXX, XXXX, Transunion ) XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX XXXX Account # XXXX, ( XXXX, XXXX  ) ( XXXX, Transunion ) XXXX XXXX XXXX Account # 1 ( XXXX, XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX, Transunion ) XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019, Chase JP Morgan decided to close my account due to reason they " could not maintain my account due to frequent thefts ''. However, they did not send me a cashier check for my balance of {$78000.00}. I went to a branch and they said my account was restricted and could not issue me a check for my balance. I called the back office and they said the same, saying it would take time for them to " review '' my account before releasing me any of my money.

This is my money and I need money for everyday spending. THey can not just keep the money and block my card and not releasing me any cash and tell me to wait forever. THat is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: SinglePoint GI
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
General Revenue Corp has a delinquent claim for a debt I do not owe on my credit report. 
Ive told them I do not owe this debt and requested they produce the note that says I do. 
They will not remove the bad mark on my credit. 
It feels like extortion Im taking this step before I take them to court, hoping this will resolve the problem and also show the public that they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Keynote Consulting, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, On XX/XX/2020 I reached out about KeyNote Consulting Inc and how they provided NO proof that I owe them anything. They have been reporting negatively on my credit report for years and I have attempted to work things out with them and this is my second attempt requesting assistance with CFPB. Any guidance would be greatly appreciated. 

Thank you.

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 2020-05-27
Company: EQUIFAX, INC.
State: NC
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 XX/XX/2020 I sent in a dispute. And on XX/XX/2020 it was finished. With no explanation of how this was verified. The item was paid by insurance. I would like this item reinvestigated and taken off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions 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:
I closed my XXXX Bank credit card over 4 months ago which should have been promptly reported as CLOSED BY CONSUMER but XXXX delayed reporting my account as CLOSED and finally now inaccurately reports my account as Closed By XXXX XXXX when it is required by the FCRA and XXXX XXXX Compliance protocols to report my account as CLOSED BY CONSUMER. I demand Deletion of account and {$1000.00} in statutory damages for willful violations of the FCRA.

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 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
The inquiries here were not authorized by me. You can see that some of this inquires are automated and duplicated. These all are labeled as soft and Hard inquires. 

Soft Inquiries XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXXLIMITED Promotional Inquiry XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Interview System XX/XX/XXXX XX/XX/XXXX LIMITED Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Account Review InquiryXX/XX/XXXXXXXX, XXXX XX/XX/XXXXReport XX/XX/XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX Promotional XXXX XX/XX/XXXX XXXX Promotional XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXPromotional Inquiry XX/XX/XXXX XXXXXX/XX/XXXX Promotional Inquiry XX/XX/XXXXXX/XX/XXXXAutomated Consumer Interview System XX/XX/XXXXXX/XX/XXXX Automated Consumer Interview System Hard Inquiries XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX this XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX Dispute this XX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX

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 2020-12-08
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I applied for an XXXX XXXX XXXX 1 year ago. XXXX chose American Express as the card company. I never used the card for any legitimate purpose. Nearly XXXX charges for $ XXXX {$5.00} were made over 4 months to a company which doesnt exist. Amex never once caught the fraud. They only called me to tell me to pay more late fees. When I spoke to their fraud department they agreed that it was a clear case of fraud and promised to fix the problem. Instead Amex after 6 months sent this to outside collection affecting my credit score. Amex will not allow me to speak to a supervisor and no longer even allows me to speak to the fraud division. XXXX has tried to speak to someone at Amex on my behalf but only to transfer me to the general division which is useless. They dont feel any obligation to help. Because Amex has no fraud detection and a fraud department with no customer service I am left to fending for myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22
Company: CNG HOLDINGS INC
State: GA
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 checked my credit on XXXX XXXX XXXX. Noticed that an account I do not know about was put into collection. That same day I made contact with the original creditor in which gave me the contact information who they had sold off the collection too. I was never notified or called once by XXXX XXXX XXXX  XXXX new debt collector ) and still have not received anything until this day. I 've made several attempts to contact the company which always ends in failure. I do not know what else to do at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian claims to have verified 2 inaccurate XXXX XXXX XXXX accounts on my report however whom did they speak with to verify the accounts? Last I checked utility companies dont report to the bureaus as they dont extend credit

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 2019-02-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not apply for credit from the following companies. I have a Fraud Alert on my report. I did not receive a call from them before they accessed my report. I contacted them and the credit reporting agencies several times with no action being taken.. 

XXXX XXXX XXXX, XX/XX/XXXX, Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX, XX/XX/XXXX, Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX   XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Credit Card - Credit Union XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, FL 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 2020-05-18
Company: TD BANK US HOLDING COMPANY
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 information incorrect

Complaint:
My credit report shows ONE 30 day past due amount of {$79.00}. 

On XX/XX/XXXX I made a purchase at Nordstrom Rack in XXXX, FL. I requested, at checkout, to have my account set to auto pay and that the email address on file needed to be changed from XXXX to XXXX. 

The checkout agent documented my account number and had me write my name and the correct email address on a piece of paper. 

The change of email address and auto pay never applied to the account as requested so the account was not paid automatically and the statements and alerts did not go to the correct email address. 

Once I uncovered that the changes were not made as requested I immediately brought the account up to date on XX/XX/XXXX from an initial payment due date of XX/XX/XXXX and paid the account in full on XX/XX/XXXX. ( 37 days passed the due date ) I called Nordstrom card services and they said they sent a letter to my house. I explained to them that I have been in a hotel and not been home since XX/XX/XXXX, due to travel restrictions and my need to work in essential industry. I asked them why they didn't call, and they said that was not their responsibility. I asked them why the email address wasn't changed and they said the store can only change my rewards email address and not my statement email address. ( that was not explained to me in store ). 
They called me back a couple days later and said that this is not their fault and would not update the credit bureaus. 

I am distraught that they are not making considerations with the current pandemic going on. The CARES ACT allows for people to miss payments for inability to pay due to covid-19. I can pay and have since payed the account in full, I just didn't receive my mail because I'm not home due to covid-19 and am living in a hotel since XX/XX/XXXX. I have perfect credit and this is now the only late payment on my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26
Company: Creditor's Collection Service, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company ( or people involved ) have been calling me for months with no caller ID so it can not be blocked. They leave a automated voicemail every single time with a number to call back, the number is XXXX and they do not mention any specific name as to who they are looking for. 
I called back the number once, The line was tossed around it sounded like and it went again to another automated machine and I ultimately had to hang up. 
I do not owe any debts and my credit report states that. 
Upon searching XXXX for the number I came across a swarm of people reporting the same exact thing but some have actually got in contact with a human being on the other end and they reported saying they were demanding money from an outstanding debt from many years prior and the person had never had a debt from that company. I want these calls to stop, I thought maybe theyd call a few times and then stop but they have been calling every other day at random times for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
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:
I noticed on my credit report medical bills that were placed on my files with Equifax, XXXX, and XXXX that do not belong to me. I informed all 3 credit bureaus of this mistake and completed 4 attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all 3 bureaus on XX/XX/XXXX. There were more than 20 medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all 3 bureaus to have the remaining collections medical bills that do not belong to me removed on XX/XX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XX/XX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All 3 bureaus have not provided me with the proof of validity as requested on all 4 occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  is reporting debt on my report that's not mine

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 2021-06-22
Company: CONTRACT CALLERS 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 recent pulled my credit because Im looking for a new homes I found fraudulent accounts and inquiries I didnt authorize I dispute with companies and bureaus its been over 30 days with no response

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 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
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 SOON TO BE IN THE MARKET TO PURCHASE A HOME. I STARTED BY CHECKING MY CREDIT REPORT TO KNOW MY SCORE NUMBER. AFTER DOING SO I NOTICED A COUPLE OF ITEMS THAT ARE NOT MINE ON MY CREDIT REPORT THSE ITEMS NEED TO BE DELETED FROM MY CREDIT REPORT. XXXX XXXX   XXXX {$380.00} XXXX XXXX  XXXX {$1800.00} DPT ED XXXX XXXX {$6000.00} DPT XXXXEDXXXX XXXX {$2200.00}

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